State Farm auto insurance earned 4.5 stars out of 5 for overall performance State Farm’s homeowner's insurance claims network is available 24 hours a day, online or by phone. olicies are available for 10, 20, or 30 years, depending on your age, renewable up to age 95. Coverage amounts start at $100,000. claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners, and more.