There are many perks to owning a condo. It’s your own residence that doesn’t require a lot of personal maintenance or upkeep. But when unexpected damage occurs, the solution is not as simple as calling your condominium association. Despite their master insurance policy, you will have to pay the cost to fix the damage to the interior of your condo and everything inside of it yourself.

Luckily, you can purchase condo insurance, which will protect you from vandalism, theft, lightning, and other perils. With this coverage, you can rest easy at night knowing you are not at great financial risk. The This Old House Reviews Team has created this extensive State Farm condo insurance review to help you determine if this company is the best fit for your needs.



Our Take

State Farm is the largest home insurance provider in the country and offers robust coverage plans for both traditional residences and condos alike. State Farm’s condo insurance is available nationwide and includes all industry-standard coverages in addition to some attractive endorsement features.

We give State Farm a score of 96.60 out of 100 on key metrics like coverage, customer service, availability, and more. On the company’s Better Business Bureau profile, common complaints cite discount and other payment issues. Many positive reviews praise the professionalism of customer service representatives.



Pros and Cons

Compare the advantages and disadvantages of State Farm condo insurance.

Pros Competitive Pricing 24/7 customer service Many endorsements
Cons Few discounts




State Farm offers all basic, industry-standard condo insurance coverage. The insurer provides coverage in the case of weather damage like lighting, wind, hail, weight of ice, snow, and sleet, as well as for non-weather damage like fire, theft, vandalism, riots, explosion, smoke, aircraft, and vehicles. State Farm also offers protection from other causes like abrupt and accidental discharge of water from a plumbing system, damage to heating or cooling systems, and artificially generated electrical current.

Building propertyInsures items of real property (including building alterations, additions, and installations) which are part of your unit
Personal propertyCovers your personal property, like furniture and clothes (may also provide protection for personal property while you are away from home)
Loss of useCovers the necessary increase in cost to maintain your living conditions during the repair period after your home becomes uninhabitable due to a covered loss
Loss assessmentPays for your share, up to the limit of coverage you select, for losses you may be assessed for in the case of damage to the condominium (someone injured on common property; major damage to commonly owned buildings that is not fully covered by the condo association’s insurance)
Personal liabilityProtects you if guests make a claim or bring a suit against you for property damage or bodily injury
Medical payments to othersPays for medical expenses of people who are accidentally injured on your property


State Farm offers a range of endorsements to help you customize your condo insurance coverage.

State Farm Condo Endorsements

Refrigerated productsCovers losses of the contents of a refrigerator or freezer in unit from power or mechanical failure
Counterfeit money and forgery expensesCovers specific losses up to $1,000 associated with forgery or counterfeit money for credit cards and bank fund transfer cards
Claim expensesCovers expenses State Farm may incur defending a lawsuit brought against homeowner
Fire department service chargePays up to $500 for fire department services (higher limits available in certain states)
First aid expensesCovers cost of first aid expenses for people other than the insured for bodily injury covered within the policy
Debris removalCovers a certain amount of expenses incurred to remove damaged property following a covered loss
Trees, shrubs, and other plantsCovers damage to outdoor trees, shrubs, and plants
Volcanic actionCovers loss to a covered building and its property due to volcanic blast, airborne shock waves, ash, or lava flow



How Much Does State Farm Condo Insurance Cost?

The exact cost you pay for State Farm condo insurance depends on a variety of factors, including your property value and its size, where you live, the coverage limits you select, the insurance deductible you choose, and more.


State Farm offers several discounts to help lower the amount you pay for condo insurance.

Multiple lineSave by bundling condo insurance and auto insurance from State Farm
Home alert protectionSave if you have fire alarms, burglar alarms, smoke alarms, or another home monitoring system
Automatic sprinklersSave if your unit has an automatic sprinkler system
Claim-freeSave based on your past claims history



State Availability

State Farm condo insurance is available in all 50 states.

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming



Reviews of State Farm Insurance

State Farm is not accredited by the Better Business Bureau, but the company holds an A+ rating from the organization. See what some real customers had to say about their experience with State Farm.

Mickey said:

“I have been with this agent now for more than 20 years. I have never had an issue with anyone at this office and have stayed with them because of the wonderful customer service all of the staff at this location has provided me. I would refer anyone to them in a heartbeat. They have always been good for peace of mind and I have never worried about them not being there for me or my family. Kudos to an awesome agent and fantastic group of professionals.”

Dave said:

“They’ve denied both mine and my mothers automobile damage claims even though we pay thousands every year for full coverage. I had photographic evidence of the damage to my vehicle and the person who did it. The people are denying that they even hit my car now and the insurance company is siding with them. they flat out denied my mother’s vandalism claim with $5,000 worth of damage.”



Our Conclusion

State Farm is the largest homeowners insurance provider in the country, and its strong financial backing and proven track record extends to its condo insurance. State Farm offers comprehensive coverage alongside many endorsements nationwide. We give State Farm a 96.60 out of 100.

When considering condo insurance providers, it is always a good idea to get quotes from multiple companies in your area:

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Company Information

  • Company name: State Farm
  • Company type: Public
  • CEO: Michael L. Tipsord
  • Year founded: 1922
  • Headquarters: 1 State Farm Plz, Bloomington, IL 61701
  • State availability: 50
  • BBB rating: A



Frequently Asked Questions



Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at

Read our complete Home Insurance Rating Methodology

Ratings listed in this article are accurate as of April 2023.

A.M. Best Disclaimer