Renters insurance for the price of a couple of lattes

Help protect your stuff with renters insurance.

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Get a quick renters insurance quote

Save up to 17% with insurance discounts and savings

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If you choose to bundle your renters and auto policies, you could save enough to cover your renters policy.1 That’s at least worth a high five.

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Coverage for your things

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Affordable renters insurance can cover everything from your couch to your coffee mug -- all for about the price of a large pizza.

How much does renters insurance cost?

Like a good neighbor,
we have your back

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Coverage by the #1 provider of home insurance since 1964. That’s us.

What does renters insurance cover?

What is renters insurance?

Consider it a type of security blanket for your security blanket. We cover the things you own and love. From TVs and bicycles to laptops and even your favorite down comforter.

My Home
Your tech to your tufted sectional

From cameras to smartphones to smart looking furniture, your personal property is covered2 for accidents related to fire, smoke, covered water damage, wind, theft, vandalism and more.

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Your apartment and beyond

Left your laptop in the backseat? No worries. Your personal property is covered2 for accidents in your home or apartment, and your things are also covered in a storage closet, your deck, or even your car.

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Your identity

As more of your life is online, it’s important to keep your personal information safe. With renters insurance you may even add identity theft coverage with monitoring alerts and professional support.

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Different needs? We've got you for renters insurance

A smiling State Farm representative is happy to answer any questions.

Renters insurance covers2 your stuff — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment, condominium, or rental home. It may also cover your stuff outside your place.

Renters coverage costs less than you might think. Based on the National Association of Insurance Commissioners (NAIC) survey, renters insurance runs about $15 a month for approximately $35,000 in coverage limits. That’s solid coverage for less than the cost of a few cups of coffee a week.

Liability is for your protection. This means you can be covered if someone hurts themselves at your home or there’s property damage subject to policy provisions. Renters insurance may also pay for legal fees and medical expenses.

Want to insure your cat or dog? You could add pet medical insurance.

Need a temporary place to dwell? This coverage provides payment for additional living expenses when your home is uninhabitable because of a covered loss. This coverage applies for the shortest time required to repair or replace the premises, or for your household to settle elsewhere, up to 24 months.

Covered even when things change

As the cost of living rises, your renters insurance will, too. Inflation coverage can help keep your protection at the same levels year after year.

Personal property covers your things

What is it?

Personal property coverage gives you protection2 from accidents related to fire, smoke, covered water, wind, theft or vandalism – among other things.

How much do I need?

Performing a home inventory is a good way to determine how much property coverage you need. Follow this step-by-step checklist to inventory your personal property:

  1. List each item, when you acquired it, and the purchase or current value.
  2. Total the amounts of these items for a rough idea of what your property is worth.

Consider adding photos to your inventory – it could help if you have a claim.

1  Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

2  On a named peril basis.


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.

Please refer to your actual policy for a complete list of covered losses or a complete list of losses not insured and policy exclusion.

Actual annual premiums for Renters insurance will vary depending on coverages selected, amounts of coverage, deductibles, and other factors.

Oregon Customers: State Farm does not offer discounts related to wildfire risk mitigation actions in rating.

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