$30K personal property coverage
$135 /year
$11 /month
The country’s biggest home insurer offers solid renters insurance with lots of ways to manage your policy online.
Coverage
More than average
Discounts
Great set of discounts
NAIC complaints
Close to expected
About State Farm renters insurance
State Farm renters insurance earned 4.9 out of 5 stars in our analysis. State Farm offers lots of coverage options, plus local agents who can help you choose the right ones for you. Rather buy and manage your policy online? You can do that too, thanks to State Farm’s user-friendly website and app.
State Farm’s policies are cheaper than average, making them a good bet for renters on a budget. They’re also worth considering if you have a dog. Many insurers won’t cover dog bites if you own a breed considered risky, such as a pit bull or Doberman. But State Farm doesn’t make coverage decisions based on your dog’s breed.
State Farm is among NerdWallet’s Best Renters Insurance Companies.
Best for: Dog owners and other renters seeking affordable coverage from a well-established company.
Not ideal for: Those in California, Massachusetts or Rhode Island, where policies aren't currently available.
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What State Farm renters insurance covers
State Farm renters insurance has the basic coverage you’d expect. For example, it’ll cover your belongings for theft, fire and other scenarios. If you can’t live at home after a covered claim, it can pay for a hotel stay. And it can help with expenses if your dog bites someone or a guest gets hurt in your apartment. Learn more about renters insurance coverage.
Replacement cost coverage is generally included with a State Farm renters insurance policy. If your belongings are destroyed or stolen, State Farm will pay enough for you to buy brand-new ones. Some other companies pay only the actual cash value of damaged items. That's generally a lower amount because items tend to lose value over time.
Inflation coverage may be included to make sure your coverage limits keep up with rising costs.
Business property coverage can cover merchandise or other items associated with a business you own.
Optional State Farm renters insurance coverage
For an additional cost, you may be able to add the following coverage options. You might need to buy some of them through a State Farm agent.
Sewer or drain backup coverage. Pays for damage to your belongings from water backed up through sewers or drains.
Personal injury endorsement. Pays legal expenses if you're accused of nonphysical injuries, such as libel and slander.
Earthquake coverage. Pays for earthquake damage, which standard renters insurance doesn't cover.
Extra coverage for valuables. Extends your coverage if your policy’s limits for jewelry, furs, fine art or other items aren’t high enough.
Identity theft coverage. Pays costs related to identity fraud, cyberattacks or extortion.
What’s not covered
State Farm renters insurance doesn’t cover:
Damage from flooding. (You may want to buy flood insurance for renters.)
Damage you cause on purpose.
Your roommate’s belongings unless you’ve added them to your policy.
Mold damage.
Valuable items like jewelry beyond a set limit.
State Farm renters insurance rates
State Farm renters insurance costs $135 a year, or about $11 a month, according to NerdWallet’s rate analysis. That’s cheaper than the national average of $165 per year. It’s one of the lowest rates we found among large national insurers. See how they stack up below.
Rates are based on a sample renter with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Where State Farm renters insurance is available
State Farm offers renters insurance to new policyholders in Washington, D.C., and every state except California, Massachusetts and Rhode Island.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Discounts
State Farm advertises three main discounts for renters:
Multiple policy discount for bundling renters insurance and car insurance.
Home alert protection discount if your rental has safety devices, such as fire or burglar alarms.
Claim-free discount if you haven’t had any claims within the past three to five years.
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Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. State Farm gets a middling score on this measure, drawing an average proportion of home insurance complaints compared to other U.S. insurers.
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
JD Power rating: State Farm was the top-ranked company for renters insurance satisfaction in JD Power’s 2026 U.S. Home Insurance Study.
Online tools
Website: State Farm’s website is easy to navigate and explains how renters insurance works. You can get a quote online or look for a nearby agent using the company's lookup tool. State Farm’s website is also available in Spanish.
Mobile app: The State Farm mobile app offers the ability to file and track a claim, as well as view and manage a policy. You can also pay your monthly bill using Apple Pay or Google Pay.
How to file a claim with State Farm
You can file and track a claim online, through the State Farm mobile app, by dialing 800-732-5246 or by calling your local agent.
How to contact State Farm customer service
Phone: Assistance is available by phone at 800-782-8332 or through your local agent.
Email: You can send State Farm a message through an email form from the company’s contact page.
Chat: Though the feature starts as a chatbot, live representatives are also available.
You can also fill out an online email form or reach out to the company’s chatbot.
Other State Farm products
NerdWallet's reviews of other State Farm insurance products can help you find the right coverage for your needs:
How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.JD Power. 2026 U.S. Home Insurance Study. Accessed Sep 23, 2026.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage quality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2023 through 2025. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Rates were rounded to the nearest $5.
Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
