What every best Homeowners Insurance has:
- Know what will affect your premiums.
- Inventory your belongings.
- Consider replacement cost versus actual cash value.
Good reviews for renters claims performance. For homeowners, State Farm performs decently in its homeowners claims performance -- scoring average to above average in that regard in most surveys and reviews. Things are better still when it comes to renters insurance, however -- and it earns the top score in claims performance in the large J.D. Power and Associates survey of rental insurance satisfaction. Payments are generally prompt, too, reviewers say. However, in another such survey, State Farm receives average marks for all parts of the claims process, including service provided by agents, estimates, repairs and settlements. Coverage is available nationwide.
Flexible service and policy options. State Farm generally gets good marks for customer service. Customers have the flexibility of doing business directly with the company or with a local agent, though a few note that a bad agent can quickly sour the State Farm experience. Policyholders can contact the company online or over the phone, 24 hours a day. Expert reviewers say coverage options and add-ons are extensive, but the company lacks a few common homeowner discounts. A thorough online quote tool garners praise for both homeowners and renters. Policy pricing for renters rates top notch, but premiums for homeowners insurance aren't as warmly received.