State Farm renters insurance review

Find out how State Farm stacks up when it comes to renters insurance.

State Farm

State Farm is one of the largest providers of renters insurance in America, offering coverage to millions of people across the country.


Renters Insurance ProviderState Farm
A.M. BestA++


Consumer AffairsN/A
J.D. Power Overall Customer Satisfaction4/5
J.D. Power Claims Process Satisfaction3/5

Base policy features

Replacement Value AvailableYes
Deductible Options$500, $1,000, $2,000
Personal Property CoveragePurchase online: up to $110,000 Purchase via agent: $110,000 and up
Personal Liability$100,000, $300,000, $500,000, $1,000,000
Medical Payments to Others$1,000, $2,000, $3,000, $5,000, $10,000
Loss of Use CoverageNo maximum; covers up to 24 months
Off-Premise CoverageYes
Peril Type CoverageNamed
Purchase OnlineYes, up to $110,000 personal property coverage

*Based on New York availability

Optional add-on features

Schedule High-Value Items OnlineNo; requires a separate policy and for the customer to speak with an agent
Types of Valuable CoverageN/A
Increase Computer Category Coverage Limits OnlineYes
Increase Jewelry Category Coverage Limits OnlineYes
Identity TheftYes
Earthquake CoverageYes
Water back-up of Sewers and DrainsYes; requires customer to speak with an agent
Multi-policy DiscountsYes
Home Safety DiscountsYes