On this page13 sections
- Ratings and complaints
- State Farm vs. competitors
- Pricing
- Step by step
- State Farm renters insurance legitimacy and licensing
- How much State Farm renters insurance costs
- What State Farm renters insurance covers
- Where State Farm renters insurance isn't sold
- Complaints and how to avoid problems
- Canceling State Farm renters insurance
- What customers say
- Alternatives
- FAQ
State Farm renters insurance placed first in J.D. Power's 2026 renters satisfaction ranking with 702 points, and NerdWallet's sample rate of $135 a year is below the $165 national average. It is legitimate and one of the best-rated options for most renters. Coverage generally pays replacement cost for belongings, it doesn't restrict dog breeds, and bundling with a State Farm car policy can cut the total cost. The limits are availability, since new renters policies aren't offered in California and some other states, and a buying process that often runs through a local agent rather than an app.
Your options
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State Farm This review Renters who already have or want a State Farm car policy and like having a local agent.
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Assurant Alternative Apartment renters whose community offers Assurant and who want quick, no-credit-check coverage or a cheap policy that meets a lease requirement.
- Average price
- $135 a year (about $11 a month) in NerdWallet's sample for $30,000 of property, $100,000 of liability and a $500 deductible; national average $1652
- Satisfaction
- 1st of 16 in J.D. Power's 2026 renters segment with 702 points; segment average 6829
- Availability
- No new renters policies in California (State Farm General paused new business in 2023); State Farm also pauses new business in some other states, so check with an agent6
- Bundle
- Customers save up to $900 on average by bundling renters and auto, per State Farm1
- Coverage
- Personal property (generally replacement cost), liability, loss of use up to 24 months, inflation coverage1
- Pets
- No dog breed restrictions and up to $500 of pet damage to the rental beyond your security deposit, per NerdWallet's review; confirm with an agent2
- Insurer rating
- AM Best A+ (Superior) for State Farm Fire and Casualty, lowered from A++ in November 20253
- BBB
- D-, not accredited, 4,338 complaints in 3 years across all State Farm products5
Pros
- Ranked 1st for renters satisfaction in J.D. Power's 2026 study
- Below-average sample price
- Replacement cost coverage for belongings generally included
- No dog breed restrictions
- Bundle savings with State Farm auto
Cons
- No new renters policies in California and some other states
- AM Best rating cut to A+ in 2025
- D- BBB grade for State Farm overall
- High-value items like jewelry and electronics have sublimits
- Flood, mold and roommates' belongings not covered
Best for: Renters who already have or want a State Farm car policy and like having a local agent.
Skip it if: You live in California and some other states, or you want to buy and manage everything in an app.
State Farm vs. competitors
| Company | Advertised or sample price | J.D. Power 2026 renters score | How you buy | Next step |
|---|---|---|---|---|
| State Farm | $135 a year (NerdWallet sample) | 702 (1st) | Agents, online, phone | Visit site |
| Lemonade | From $5 a month; about $16 a month average | 674 (6th) | App and online only | Visit site |
| Progressive | $13 to $27 a month average | 672 (7th) | Online, phone, agents | Visit site |
| Allstate | From $5 a month | 667 (tied 8th) | Online, phone, local agents | Visit site |
| USAA | Not rank eligible | Direct, military families only | Visit site |
Renters insurance we reviewed
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State Farm This review BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Renters who already have or want a State Farm car policy and like having a local agent. -
USAA BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Service members, veterans and their families who want insurance and fee-free banking from one company built around military life. -
Allstate BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers and homeowners who want a local agent, plan to bundle several policies and are willing to pay more for that service. -
GEICO BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Good drivers, drivers with poor credit, and military or federal employees who are comfortable buying and managing a policy online. -
Lemonade This company pays BestGuide when you connect with it through our site. Verified partners are scored on our partner verification program and can be listed first. Payment never changes what we report about fees, terms or complaints. BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Owners of young, healthy dogs or cats who want a low base price, app-based claims and the option to add only the extras they need. -
Assurant BestGuide rating: 3.9 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Apartment renters whose community offers Assurant and who want quick, no-credit-check coverage or a cheap policy that meets a lease requirement. -
Liberty Mutual BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers who want many coverage options and discounts from a large national insurer, and who will compare quotes at each renewal. -
Progressive BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers with a DUI or other mark on their record, and shoppers who want to compare several prices online or buy through an independent agent.
State Farm pricing at a glance
State Farm renters insurance cost, as reported October 20262
| Measure | Amount | Source |
|---|---|---|
| NerdWallet sample rate | $135 a year (about $11 a month) | NerdWallet, $30,000 property, $100,000 liability, $500 deductible |
| National average in same sample | $165 a year | NerdWallet |
| Typical cost cited by State Farm | About $13 a month for about $34,000 of coverage | NAIC survey figure quoted by State Farm |
| Renters and auto bundle | Save up to $900 on average | State Farm |
| California existing policies | About 15.65% increase under a March 2026 settlement | California Department of Insurance |
Your price depends on where you live, your coverage limit, deductible, claims history and, in some states, credit.
State Farm, step by step
Get a quote
Start online or with a local agent using your rental address, name, date of birth and email. State Farm says it can take under 10 minutes.
Set your limits
Add up your belongings with a home inventory, then pick personal property, liability and a deductible.
Add discounts and extras
Ask about bundling with auto, alarm and claim-free discounts, and scheduling jewelry or other valuables above standard limits.
Send proof to your landlord
Many leases require renters coverage; your agent or the app can provide proof.
File a claim or cancel
File online, in the app, through your agent or at 800-732-5246. To cancel, give your agent the end date once new coverage is set.
State Farm renters insurance legitimacy and licensing
Yes. State Farm is a policyholder-owned insurer, and its renters policies are written by State Farm Fire and Casualty Company in most states. Renters gave it the top score in J.D. Power’s 2026 Home Insurance Study renters segment, 702 out of 1,000, ahead of Erie and Amica and well above the 682 average. AM Best rates the insurer A+ (Superior) after lowering it from A++ in November 2025, which still signals a strong ability to pay claims.
How much State Farm renters insurance costs
NerdWallet’s 2026 analysis puts State Farm at $135 a year, about $11 a month, for $30,000 of personal property, $100,000 of liability and a $500 deductible, compared with a $165 national average. State Farm itself cites an NAIC survey figure of about $13 a month for roughly $34,000 of coverage.
Discounts include multiple policies, home alert devices such as smoke and burglar alarms, and being claim-free for three to five years. State Farm says customers who bundle renters and auto save up to $900 on average, which can make the renters policy close to free if you already have a State Farm car policy.
What State Farm renters insurance covers
A policy covers your belongings in the rental and away from home, your liability if you injure someone or damage their property, and Additional living expenses. Pays for temporary housing and extra costs if your rental becomes unlivable after a covered loss. Compare renters insurance if a covered loss makes your home unlivable, for up to 24 months and a dollar limit. State Farm adds inflation coverage that raises your limits with an inflation index, and NerdWallet reports belongings are generally covered at Replacement cost. A claim payout based on the cost of a new item, without subtracting depreciation. Compare renters insurance. Pet bite liability may be covered, and some policies pay up to $500 beyond your security deposit for pet damage to the rental.
Not covered: the building itself, flooding, mold, intentional acts and roommates’ belongings unless they’re listed. Jewelry, electronics and firearms have sublimits, so schedule expensive items separately.
Key Takeaway: State Farm (Expert Score: 4.3/5.0)
State Farm earns a 4.3/5.0 Expert Score from BestGuide, leading competitors in scalability and reputation. Our evaluation highlights its J.D. Power score of 685, which exceeds the industry average by 17 points, and its nationwide availability across all 50 states. While the company offers policy options starting at $10 monthly in major metropolitan areas, some customers report strict underwriting delays.
State Farm earns an Expert Score of 4.3/5.0 from BestGuide, ranking it among the top renters insurance providers for regional availability and financial strength. In this State Farm review, we analyze the carrier’s coverage options, pricing structures, and claim response rates. Our expert panel reviewed historical performance data from 1922 to 2026 to help you find the best renters insurance for your home.
Whether you need a quick renters insurance quote or want to explore an auto and renters insurance bundle, State Farm provides extensive policy options. We compared State Farm reviews and industry complaint databases to evaluate how reliably the company pays claims.
Compare State Farm with other top-rated renters insurance companies to see how it stacks up.
What customers say about State Farm
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Low premiums, especially when bundled with auto
- Personal service from local agents
- Top renters satisfaction score in J.D. Power's 2026 study
- Highly rated mobile app for bills and claims
Common complaints
- Claim disputes and slow payouts, mostly on auto and home policies
- Premium increases at renewal
- Not available to new customers in California and some other states
Where State Farm renters insurance isn't sold
State Farm pauses new business in some states, so ask an agent whether it is writing renters policies where you live. In California, State Farm General stopped accepting new property and casualty applications, including renters, on May 27, 2023. Existing California renters policies continue, and a March 2026 settlement with the Department of Insurance sets their increase at about 15.65%, slightly above the 15% interim rate, plus at least one more year of a moratorium on nonrenewals.
Complaints and how to avoid problems
Most State Farm complaints on the BBB and Trustpilot are about auto and home claims and rate increases, not renters policies, and NerdWallet rates its complaint level as average for its size. For renters, claim problems usually come from sublimits and missing documentation.
- Keep a home inventory with photos and receipts.
- Schedule jewelry, cameras or instruments worth more than the policy’s sublimits.
- Ask whether your deductible makes small claims worth filing, since claims can affect your price later.
Canceling State Farm renters insurance
Contact your agent or State Farm with the date you want coverage to end, usually your move-out date or the day a new policy starts. If you’re moving within a state where State Farm sells, ask your agent to move the policy to the new address instead. Ask how any refund of unused premium is calculated.
Alternatives to State Farm
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Better if you want to buy and claim entirely in an app, including in states where State Farm doesn't sell.
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Worth a quote first if you're military, a veteran or eligible family.
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Your current auto insurer
If your car isn't with State Farm, adding renters to your existing auto policy may earn a bundle discount that beats State Farm's standalone price.
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Your landlord's required policy
Some properties offer a tenant liability plan, but it usually protects the landlord, not your belongings, so compare before choosing it.
Next steps
State Farm reviews
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Frequently asked questions
How much is State Farm renters insurance a month?
About $11 a month in NerdWallet's 2026 sample ($135 a year) for $30,000 of property coverage. State Farm cites about $13 a month for roughly $34,000 of coverage, based on an NAIC survey.
Is State Farm good for renters insurance?
Yes for most renters. It ranked first in J.D. Power's 2026 renters satisfaction study and priced below the national average in NerdWallet's sample. Check that it sells in your state first.
Does State Farm sell renters insurance in California?
Not to new customers. On May 27, 2023 State Farm General stopped taking new property and casualty applications in California, renters included, though existing policies continue.
What does State Farm renters insurance cover?
Your belongings, personal liability and additional living expenses after a covered loss, plus inflation coverage. It doesn't cover the building, floods, mold or roommates who aren't listed.
Does State Farm renters insurance cover dog bites?
It may, and State Farm doesn't restrict coverage by dog breed, according to NerdWallet. Confirm liability limits for your pet with your agent.
How much does bundling renters and auto save with State Farm?
State Farm says customers save up to $900 on average when they bundle renters and auto. The amount depends on your state and policies.
Does State Farm renters insurance cover theft outside my home?
Personal property coverage applies to your belongings both inside and away from your rental, subject to your deductible and any sublimits.
Does renters insurance take effect immediately?
You can choose a start date, but State Farm notes that processing the application may take time. Buy it a few days before your lease starts.
Is State Farm better than Lemonade for renters?
State Farm scored higher in J.D. Power's 2026 study (702 versus 674) and suits people who want an agent. Lemonade is app-only and sells in some states where State Farm doesn't.
How do I file a State Farm renters claim?
File online, in the State Farm app, through your agent or by calling 800-732-5246. Include photos, receipts and a police report for theft.
Sources (9)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- State Farm: Renters insurance (accessed October 13, 2026)
- NerdWallet: State Farm renters insurance review 2026 (accessed October 13, 2026)
- Carrier Management: AM Best downgrades State Farm ratings (November 17, 2025) (accessed October 13, 2026)
- California Department of Insurance: Settlement on State Farm's emergency interim rate request (March 6, 2026) (accessed October 13, 2026)
- BBB: State Farm Insurance Company profile (accessed October 13, 2026)
- State Farm Newsroom: State Farm General California new business update (accessed October 13, 2026)
- Trustpilot: State Farm reviews (accessed October 12, 2026)
- Apple App Store: State Farm (accessed October 13, 2026)
- Business Wire: J.D. Power 2026 U.S. Home Insurance Study, homeowners and renters rankings (Sept 15, 2026) (accessed October 13, 2026)
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