State Farm Auto Home Insurance: Everything You Need to Know

If you’re looking for a reliable insurance provider, you might have come across State Farm. With over 90 years of experience, State Farm offers auto and home insurance to millions of customers across the United States. In this article, we’ll discuss everything you need to know about State Farm auto home insurance, including its coverage options, pricing, and customer service.

What is State Farm?

State Farm is a large insurance company based in the United States. Founded in 1922, it initially sold auto insurance to farmers in rural areas. Today, State Farm offers a range of insurance products, including auto, home, life, and health insurance. Its products are available in all 50 states and Washington, D.C.

State Farm is known for its robust network of agents. As of 2021, it has over 19,000 agents across the country. Customers can purchase insurance directly from State Farm’s website, over the phone, or through an agent.

State Farm Auto Insurance

Coverage options

State Farm offers several coverage options for auto insurance. These include:

Auto Insurance Coverage
Description
Bodily injury liability
Covers injuries that you cause to others while driving
Property damage liability
Covers damage that you cause to someone else’s property while driving
Collision
Covers damage to your vehicle if you’re in an accident with another car or object
Comprehensive
Covers damage to your vehicle from non-collision incidents, such as theft, fire, or natural disasters
Uninsured/underinsured motorist
Covers injuries and damages if you’re in an accident with a driver who doesn’t have sufficient insurance

State Farm also offers several optional coverage options, such as:

  • Roadside assistance
  • Rental reimbursement
  • Medical payments
  • Emergency travel expenses

Pricing

The cost of State Farm auto insurance depends on several factors, including:

  • Your age and driving record
  • The make and model of your car
  • Your location
  • The coverage options you choose

State Farm offers several discounts that can lower your premium, such as:

  • Multiple vehicle discount
  • Good driving discount
  • Safe driver discount
  • Good student discount

Customer service

State Farm has a reputation for good customer service. In J.D. Power’s 2021 U.S. Auto Insurance study, State Farm ranked third out of 24 insurers in overall customer satisfaction. State Farm also has a mobile app that lets you manage your policy, file a claim, and get roadside assistance.

State Farm Home Insurance

Coverage options

State Farm offers several coverage options for home insurance. These include:

Home Insurance Coverage
Description
Dwelling coverage
Covers damage to the physical structure of your home
Personal property coverage
Covers damage to your personal belongings, such as furniture, electronics, and clothing
Liability coverage
Covers injuries or damage that you or your family members cause to others
Additional living expenses (ALE)
Covers expenses if you need to temporarily relocate due to damage to your home
Medical payments to others
Covers medical expenses if someone is injured on your property

State Farm also offers several optional coverage options, such as:

  • Flood insurance
  • Earthquake insurance
  • Jewelry and fur coverage
  • Identity restoration coverage

Pricing

The cost of State Farm home insurance depends on several factors, including:

  • The location, age, and condition of your home
  • The value of your personal belongings
  • The coverage options you choose

State Farm offers several discounts that can lower your premium, such as:

  • Multiple policy discount
  • Home security system discount
  • Roofing discount
  • Non-smoking discount

Customer service

Like its auto insurance, State Farm’s home insurance has good customer service. In J.D. Power’s 2020 U.S. Home Insurance study, State Farm ranked second out of 22 insurers in overall customer satisfaction. State Farm also has a mobile app that lets you manage your policy, file a claim, and get assistance.

FAQ

Is State Farm a good insurance company?

Yes, State Farm has a good reputation for customer service and financial stability. It has an A++ rating from A.M. Best, which indicates that it has a superior ability to meet its policyholders’ obligations.

How do I file a claim with State Farm?

You can file a claim with State Farm through its website, mobile app, or by calling its claims center. State Farm aims to process claims quickly and efficiently to help you get back on track.

How do I contact State Farm?

You can contact State Farm by phone, email, or in person. You can find a local agent on State Farm’s website or call its 24/7 customer service line. State Farm also has a virtual assistant named Sheila that can help answer your questions.

What discounts does State Farm offer?

State Farm offers several discounts for both auto and home insurance. These include multiple policy discounts, safe driving discounts, and home security system discounts. You can contact an agent or visit State Farm’s website to learn more about its discounts.

Does State Farm offer bundling?

Yes, State Farm offers bundling discounts if you purchase both auto and home insurance from them. Bundling can save you money and make it easier to manage your policies.

Conclusion

State Farm is a reliable insurance provider that offers quality auto and home insurance. It has a range of coverage options, competitive pricing, and good customer service. Whether you’re a new or existing customer, State Farm can help protect you and your assets.