Availability: State Farm’s homeowners insurance policies are available in 47 states and Washington, D.C. For example, Travelers offers discounts for being claims-free or having a Leadership Energy and Environmental Design (LEED)-certified “green home.” State Farm does provide a number of coverage options, including options for water backup, identity theft, and service lines, as well as extended coverage for business property, rebuilding or repairing your home to current building ordinances, and your valuables. While it has the least expensive rates on average in our rating, State Farm doesn’t offer the range of discounts available from other insurers in our analysis.
It’s worth noting that State Farm isn’t offering new homeowners insurance policies in California, Massachusetts, or Rhode Island, but will honor current policyholders. The good news is that State Farm does have a large network of agents throughout the country, so finding a representative who is close by shouldn’t be an issue for most customers.
Its policies can only be purchased from a State Farm agent, although you can begin the quote process online. 1 in our rating of cheapest home insurance companies. Multipolicy Discount Available State Farm is No.
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