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.
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