How much does State Farm home insurance cost?
The average cost of home insurance with State Farm is $1,887 per year for a policy with $300,000 in dwelling coverage. This is on par with the national average of $1,899 per year.
Here’s the average yearly cost of State Farm home insurance for five different levels of dwelling coverage:
Dwelling coverage level
Average annual cost
What discounts does State Farm offer?
You can save on the cost of State Farm home insurance if you qualify for any of these discounts:
Multi-policy: If you bundle your home and auto insurance with State Farm, you can save up to $1,127 per year on coverage, according to a 2021 survey of new policyholders.
Home security: If you have fire, smoke, burglar, or other home monitoring systems installed.
Roofing: If you have impact-resistant roofing materials, like hail-resistant or class 4 shingles.
Age of home: If your home is a newer build.
Loyalty: If you’ve insured your home with State Farm for a consecutive number of years.
High-deductible policy: If you opt for a high-deductible policy where you take on more financial risk.
State Farm home insurance state availability
State Farm offers home insurance policies in all 50 states and Washington, D.C.
What to expect with State Farm home insurance
How to get a quote: You can get a State Farm home insurance quote online or by visiting a local State Farm agent — it varies by state and ZIP code.
Customer service options: You can get in touch with a State Farm customer service rep by calling 800-782-8332, using the chat feature on its website, or logging in to your online account.
How to file a claim: You can file a State Farm home insurance claim by logging in to your online account or calling 800-732-5246.
How to cancel your policy: You can cancel your State Farm home insurance policy by calling your State Farm agent (their contact info should be on your policy declarations page), by mail, or by visiting your local agent in person.