Renters insurance
Consider renters insurance a type of security blanket for your security blanket. We help protect the things you own and love with reliable coverage and competitive rates. From TVs and bicycles to laptops and even your favorite down comforter.
Renters insurance to help fit your needs
Renters coverages
When it comes to apartment insurance, you’ve got plenty of coverage options.
Renters discounts
With numerous ways to save, State Farm® can help keep more money in your pocket.
Renters claims
Filing a renters claim with State Farm is fast and easy — even when you go digital.
Bundle renters and auto
On average, customers save up to $900 when they bundle renters & auto insurance.1
You can also combine the purchase of a homeowners, condo, or life insurance policy with auto insurance2 from a quality auto insurance brand — earning perfect scores from TIME magazine in likability, loyalty, and usage.3
What does renters insurance cover?
While coverage details and limits vary by policy, renters insurance typically covers the following:
- Personal property, or the belongings you keep inside your rented home or apartment, like furniture, electronics, clothing, jewelry and collections.
- Liability protection, or help covering you if you are found legally responsible for causing injury to another person or damage to their property. It helps pay for legal fees, medical bills, and settlements or judgments.
- Additional living expenses (ALE), or help paying extra costs you incur if your rental home becomes uninhabitable due to a covered peril (such as fire or severe water damage). It helps cover expenses beyond your normal living costs while you live elsewhere temporarily.
What does renters insurance not cover?
Renters insurance generally does not cover the following:
- The building structure
- Flooding
- Damage caused by intentional acts
- Belongings of roommates not listed on the renters policy
- Damage from mold
- High-value items like jewelry, electronics, and firearms may only be covered up to a set limit
What do I need to get a renters insurance quote?
We can start the quote process with things you already know. It may take less than 10 minutes.
What to expect
- Provide the address where you and your belongings will reside
- Provide name, date of birth and email address
- From there, more specific location and personal information will better help determine your coverage options, deductible and policy cost
Apartment or rental home information
Tell us a little about the house, condo, or apartment you are renting, so we may provide a more accurate quote.
Your insurance history
- Any claims for insured losses you’ve made in the past 5 years
- Name of your most recent property insurance carrier
- Dates of when you last had coverage
Safety features you have
- Burglar alarms
- Fire alarms
- Sprinkler systems
Frequently asked questions about renters insurance
To compare renters insurance quotes more effectively, follow these suggestions:
- Check coverage limits: Ensure each quote offers similar coverage amounts for personal property, liability, and additional living expenses.
- Review deductibles: Compare the deductibles—the amount you pay out of pocket before insurance —as higher deductibles usually mean lower premiums.
- Consider additional coverage: See if the policy includes coverage for high-value items or offers endorsements for specific needs.
- Evaluate liability protection: Compare the liability limits to ensure sufficient protection in case of lawsuits or injuries.
- Check customer service and reputation: Research the insurer’s customer reviews, claim process, and financial stability.
- Compare premiums: Look at the total cost, including any fees or discounts, to find quality value for your coverage needs.
While some states do not require it by law, your landlord or the company that manages the property may mandate it before you can rent the apartment, condo or house.
It’s not a bad idea to have your own renters insurance. However, check with your local State Farm agent for further assistance if needed. The policy offered by your landlord may not address all of your insurance needs. A landlord may only require coverage to protect against tenant negligence, like a kitchen fire while cooking or water damage from an overflowing tub.
Renters insurance is apartment insurance. And it helps cover4 your stuff — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment, condominium, or rental home.
Loss of use
Need a temporary place to dwell? This coverage helps provide 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 and a maximum dollar limit.
Inflation coverage
As the cost of living rises, so does the cost to replace your personal property. Inflation coverage automatically increases the amount of your insurance coverage in order to keep pace with the inflation index.
Personal property coverage
Personal property covers your tangible things. It helps provide protection for covered losses resulting from accidents related to fire, smoke, covered water, wind, theft or vandalism — among other things.
To determine how much coverage you might need, create a home inventory. Follow this step-by-step checklist to inventory your personal property:
- List each item, when you acquired it, and the purchase or current value.
- 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.
While you might specify an effective date for coverage to begin, processing the application may take time.
Check with your State Farm agent since policies differ. Depending on the circumstances, some renters insurance policies may cover liability for household pets if they bite someone. They may also cover up to $500 in excess of your security deposit if your pet damages rented property. However, most do not cover damage to your personal belongings caused by a pet. Learn more about how pet insurance may also help you cover other pet-related expenses.
Renters coverage may cost less than you might think. Based on a National Association of Insurance Commissioners (NAIC) survey, renters insurance runs about $13 a month for approximately $34,000 in coverage limits.
Several factors can affect the price of renters insurance, including:
- Location: Insurance rates vary by state and city, weather risks, and local regulations.
- Coverage amount: Higher coverage limits for personal property and liability increase the premium.
- Deductible: Choosing a higher deductible usually lowers your monthly premium.
- Policy details: Adding extra coverage or endorsements (such as jewelry or business property) can increase cost.
- Building type and safety features: Security systems, smoke detectors, and fire alarms can reduce premiums.
- Credit score: In some states, insurers consider credit history when setting rates.
- Consider bundling: Combining an auto policy with renters could save you money.
While the policy helps provide coverage for the insured and their resident relatives, any non-related roommates would need to be listed on the policy to have coverage. If relatives or roommates are listed, you may want to increase the limits to help ensure appropriate coverage limits. Another option is for each roommate to purchase their own separate policy.
No, State Farm does not offer flood insurance. Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). Your State Farm agent can probably assist you with obtaining flood insurance.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Additional insurance options
Personal property insurance
Extra coverage for your personal property
Pet insurance
Coverage for your pet
Homeowners insurance
Coverage for your home
Condo insurance
Coverage for your condominium
Rental property insurance
Coverage for your rental property
Manufactured home insurance
Coverage for your manufactured home
Simple Insights®
Looking for help protecting your residence? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
The next time you need to renew your insurance policies, consider taking these steps to help ensure you understand what your coverages are.
Consider these renting tips to help you with your next rental property.
If something goes wrong in your apartment, you need to know your landlord's maintenance responsibilities.
A home inventory can help expedite the insurance claims process after theft, damage or loss.
1 Average annual per household savings based on a 2025 national survey by State Farm of new policyholders who reported savings by bundling renters and auto insurance with State Farm.
2 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.
3 Based on the survey TIME magazine’s World’s Best Brands 2025.
4 Please refer to your actual policy for a complete list of covered losses or a complete list of losses not insured and policy exclusions.
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.
State Farm Fire and Casualty Company
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Bloomington, IL
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Orlando, FL
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Richardson, TX