Skip to Main Content

Start Of Main Content

Get a Renters
Insurance Quote

Protect your personal property with low-cost insurance coverage.1

Select a state

What Is Renters Insurance?

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment, condominium, or rental home.

It might also cover items you store in your apartment's garage, storage closet, or on your deck or patio. Renters insurance coverage even extends to personal property in your car. If your laptop is stolen from your vehicle, it’s likely covered. If your bike is stolen while you’re at work, it’s likely covered.

Explore renters insurance coverage

Why Get Renters Insurance for an Apartment?

If you rent an apartment or home from a landlord, they won’t be responsible for any damages to your personal property in the case of a break-in or burglary, a fire, smoke damage, or sudden and accidental covered water damage inside your home. Our Renters Insurance policy provides you with insurance coverage for a low monthly premium.

See cost factors for renters insurance

What Does Renters Insurance Cover?

Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

Check renters coverage options

What Doesn’t Renters Insurance Cover?

While a Renters Insurance policy covers common types of loss like those mentioned above, there are some losses it doesn’t cover.

  • Property damage to your buildings, roof, and siding (these are covered by your landlord)
  • Business pursuits or professional services you provide from home
  • Water damage caused by flooding or underground water
  • Damages to motor vehicles you own, including boats, aircraft or autos
  • Damage caused by earth movements, such as earthquakes and landslides
See renters coverage options

How Much Does Renters Insurance Cost?

The average cost of renters insurance is quite affordable. Not only does the cost vary from company to company, but it also depends on the coverages and deductible you select. If you’re ready to get a renters insurance quote, have this information handy.

  • Start date for coverage
  • Total value of personal property to be insured
  • Any business, including child care, that is conducted on the premises
  • Safety features in your home (deadbolt locks, burglar/fire alarms)
  • Your insurance history within the last 5 years
See our renters insurance quote checklist

Renters Insurance Savings

Combining the purchase of your renter and auto policies isn’t the only way you can save money. Installing a home security device can help make insurance more affordable.

Explore renters insurance discounts

Get a Renters
Insurance Quote

Select a state
Items needed for a quote


1 This document contains only a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. For further information, please see a State Farm Agent.

Actual annual premiums for Renters insurance will vary depending on coverages selected, amounts of coverage, deductibles, and other factors. This is only a general description of coverage and not a statement of contract. Coverage is subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.

State Farm Fire and Casualty Company
Bloomington, IL

State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Winter Haven, FL

State Farm Lloyds
Richardson, TX