Homeowners insurance
Home insurance that fits your needs
Homeowners coverages
When it comes to home insurance, you’ve got plenty of coverage options.
Homeowners discounts
With numerous ways to save, State Farm can help keep more money in your pocket.
Homeowners claims
Filing a homeowners claim with State Farm is fast and easy — even when you go digital.
Bundle and save up to $1,2732
Save time, money and hassle by choosing to bundle the purchase of a homeowners, renters, condo, or life insurance policy with car insurance.2
What do I need to get a homeowners insurance quote?
We can start the quote process with things you already know. It may take less than 10 minutes.
What to expect
- Provide property address of the home to be insured, date of birth and coverage start date
- We’ll search public records so you might not need to fill in the details of your home
- You confirm it’s your information
- From there, more specific home and personal information will better help determine your coverage options, deductible and policy cost
Home information
- Number of people living in your house full-time
- Is the house your primary home?
- If the house is seasonal/secondary, the number of weeks occupied
- Year built
- Total finished square feet
- Number of stories
- Other structures
Your insurance history
- Any claims for insured losses you’ve made in the past 5 years
- Name of your most recent property insurance carrier
- Dates of when you last had coverage
Safety features you have and other factors
- Burglar alarms
- Fire alarms
- Sprinkler systems
- What’s the distance to the nearest fire service?
- How accessible is your home to fire service?
- Is your home outside the city limits of the city closest to you?
Protect your home from life's uncertainties
With an ADT® home security system, you can help protect against potential risks with sensors for water, fire, smoke and theft. (Currently available in select states.)
Protect your place from electrical fires
State Farm and Ting could help you prevent electrical fires before they happen — for free.
Frequently asked questions about homeowners insurance
It varies by state whether the law requires you to carry homeowners insurance. However, your mortgage lender may require certain coverages and amounts in order to issue a loan.
Hazard insurance is part of your homeowners policy and does not need to be purchased separately. Basically, hazard insurance covers the dwelling from roof to foundation, but not your home’s contents.
Coverage options, deductibles, and discounts may affect your policy cost. Check with your State Farm agent to help you choose what best fits your needs and budget.
Bundling the purchase of your home and auto policies isn’t the only way you can save money. From home security devices to a claim-free history, we’ve got options for discounts to help make insurance more affordable.2
Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). Your State Farm agent can probably assist you with obtaining flood insurance.
The ground can shake in almost any state. Do you have coverage with earthquake insurance?
Basically homeowners insurance covers the interior and exterior. Condo insurance covers your interior, not the structure. Check your condo association bylaws to determine the type of coverage required. Ask your State Farm agent to help determine what you need.
Most homeowners policies do not cover a mobile home. They require different types of coverage. State Farm offers a distinct manufactured home product in most states.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Additional insurance options
Personal property insurance
Extra coverage for your personal property
Condo insurance
Coverage for your condominium
Pet insurance
Coverage for your pet
Rental property insurance
Coverage for your rental property
Renters insurance
Coverage for your stuff as a renter
Manufactured home insurance
Coverage for your manufactured home
Simple Insights®
Looking for help protecting your residence? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
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Should you do a home insurance review annually?
First-time home buyer tips
The ins and outs of moving insurance1 State Farm Is the largest homeowners insurer in the United States according to 2020 premium data provided S&P Global Market Intelligence.
2 Average annual per household savings based on a 2023 national survey by State Farm of new policyholders who reported savings by switching to State Farm. Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability, and eligibility may vary by state.
This information contains only a general description of coverages and is not a contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
State Farm Fire and Casualty Company
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State Farm Florida Insurance Company
Tallahassee, FL
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Richardson, TX