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Renters insurance

Peace of mind for the price of a couple of lattes

Get a renters insurance quote to help protect your stuff.

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A few things you’ll need to get started

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Here’s a handy list of things you’ll need to get your quote fast. Think of it as a renters insurance cheat sheet.

Peace of mind for your things, and your wallet

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Affordable renters insurance covers everything from your couch to your coffee mug. You may save even more when you combine the purchase of your renters and auto insurance policies.

Like a good neighbor, we have your back

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Rest easy knowing you’re covered by the #1 provider of home insurance since 1964. That’s us.

What we cover

A 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.

Your tech to your tufted sectional

From laptops to smartphones to smart looking furniture, your personal property is covered1 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 covered1 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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Hey, Jake. What is…

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Renters insurance

Protection for your stuff

It’s apartment insurance. And it covers1 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 stuff outside your place.

Average cost of renters insurance

Renters coverage costs less than you might think

Renters insurance is relatively inexpensive. According to the Independent Insurance Agents and Brokers of America, Inc., the average renters policy costs just about $12 a month for up to $30,000 in personal property coverage. That’s solid coverage for less than the cost of a few cups of coffee a week.


Liability is for your guests

This means you’re 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 ensure your cat or dog is insured? You could add pet medical insurance.

Loss of use

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.

Inflation coverage

Covered even when things change

As the cost of living rises, your renters insurance will, too. Inflation coverage ensures you’re protected at the same levels year after year.

Personal property

Personal property covers your things

What is it?

Personal property coverage gives you protection1 from accidents related to fire, smoke, 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.

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1 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.

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