State Farm renters insurance: What are State Farm policyholders saying?


If you have ever wondered about State Farm's renters insurance, you aren't alone. State Farm renters insurance comes in various coverage levels to ensure you have all the coverage you need. Inside, we discuss what current policyholders are saying about renters insurance options offered by State Farm.

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UPDATED: 2022-07-25T04:38:23.127Z
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Moving into an apartment is an exciting and often stressful time, but don’t forget that you need renters insurance. Just because you don’t own a home doesn’t mean that you’re off the hook for insurance. Many reputable insurance companies offer renters insurance, including State Farm.

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Many people don't know that without renters insurance, your personal belongings aren't covered if you live in a rental unit. While your landlord will have insurance to cover the structure of the building that you live in, your personal items (your furniture, electronics, collectibles, etc.) could be lost costing you thousands in a fire, break-in, or any other covered event for your landlord. Renters insurance also can help with additional living expenses after a covered event. Don't you want peace of mind that you'll be covered if something happens to the personal belongings in your apartment or rental property? State Farm renters insurance can help you with that with affordable renters insurance rates.

The average renters insurance coverage is typically affordable for most people with an average cost of less than $200 a year for basic liability coverage. Yes, you read that right, annual premiums are less than $200. If you add on extra insurance riders, that price will go up, but many get what they need with about $8000-$10,000 in personal property coverage. Also, remember that you should always choose your coverage limits based on your needs, not the price for renters insurance; this insurance company can always help you get discounts when you are getting your renters insurance quote, which helps keep costs low.

One Clearsurance user remarked on her experience with State Farm renters insurance saying, “My mom and I moved into an apartment complex in (Redacted Location), CA in September 2014 that requires "Renter's Insurance". We selected a $5,000 insurance coverage, and we only need to pay $11.83 per month. It's affordable and convenient that meets our satisfaction. We are happy with State Farm Insurance Company they have great services, and they care about you and I give them a thumbs up!!!”

This is a common experience among first time and seasoned renters who choose apartment insurance from this insurer.

What should you know about State Farm renters policy costs, services, and more?

Many consumers trust State Farm for different lines of insurance because they offer a wide range of insurance services. State Farm had the most direct premiums written of any personal lines insurer in 2017. Plus, State Farm ranked No. 2 on our best renters insurance companies of 2019 list with an average renters insurance score of 4.39 out of 5. Whether you need auto, homeowners, life insurance, or optional coverage for other types of insurance, State Farm agents can offer quotes and bundle their services with renters policies for discounts.

There are a number of losses that State Farm renters insurance covers, which means that they can help you with medical payments coverage, replacement cost coverage, property damage and many other events if you suffer a loss; as long as you have the right insurance limits for the coverage you need and make your monthly premium payment on time. If you experience a theft, vandalism, fire or water damage, you'll generally be covered with a typical policy. State Farm renters insurance covers your personal belongings when they're in your rental property or if they are with you while you travel and covers various types of losses. To see the full list of losses that are covered as well as look at additional renters insurance coverage options, visit State Farm's website. Be sure to check what renters insurance does not cover as well.

While State Farm renters insurance is generally affordable, the cost depends on a few factors. The coverage option you select and how much coverage you purchase, as well as your deductible, all factor into the cost of your State Farm renters insurance policy. Based on what you choose, many reviewers report solid insurance. This company also has proven itself to be an affordable option, even if you do opt for additional coverage options in your policy; the discounts they offer help bring the cost of their services below the national average in most states, thus making it one of the cheapest renters insurance providers around.

What do Clearsurance users say about State Farm renters insurance?

As of July 2019, State Farm renters insurance has a Clearsurance score of 4.22. (For the most up-to-date score and rankings, visit our renters insurance rankings).

If you have a State Farm renters insurance claim, you want to have peace of mind that State Farm will settle your claim efficiently and appropriately. State Farm renters insurance has a claims rating by Clearsurance users of 4 out of 5 stars. Additionally, less than 1 percent of Clearsurance reviews on an applicable insurance policy discussed a claim dispute, which suggests customers are generally satisfied with how State Farm handled their renters claims.

Do college students need State Farm renters coverage?

Some Clearsurance users wrote reviews about having a State Farm renters insurance policy for college students. Many college students and parents don't know that the college isn't responsible if something in their dorm is stolen or damaged. Renters insurance can cover the belongings for students living on or off campus. Parents' homeowners insurance policies generally cover dorm room living issues. You can run online quotes and talk to an insurance agent about your condo insurance and affordable coverage. A couple of reviews discussed the ease of a State Farm renters insurance policy for college students:

One reviewer said, “Our daughter is in college and we have purchased renter's insurance for her. She has moved a number of times but all it takes is a phone call to get things set up for coverage at the new address.”

Another said, “State Farm made it very simple to sign up online to get coverage for my daughter's apartment when she was at college. This was especially helpful because she was in another state and the insurance agents close to us were not very helpful. The agent was also very helpful when she changed colleges and moved to a new city. Her coverage followed her to her new apartment.”

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How can you save with State Farm renters insurance?

State Farm offers discounts to its policyholders to lower the cost of insurance premiums. If you already have a State Farm car insurance policy, you can add State Farm renters insurance for as little as a few dollars more per month. Bundling State Farm renters insurance with auto insurance coverage or other policies can earn you the multiple line discount on both policies. One reviewer appreciated these savings saying, “State farm gives us peace of mind with their low price renters insurance. I also like how they give us a discount for combining with car insurance.”

There are other renters insurance discounts that State Farm offers as well. You may be eligible for the home alert protection discount if you have home monitoring systems and alarms, such as fire/smoke alarms or burglar alarms. With a qualified agent or by answering a few online questions, you can build these discounts into your insurance quote. This company certainly has made a place for itself with affordable rates for standard coverages and beyond.

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How can State Farm renters insurance help you?

Some landlords require their tenants purchase a renters insurance policy. Even if that isn't the case, you should consider getting this type of insurance to protect you from unexpected losses.

In an apartment, you can't always prepare for the losses that could happen to you. Clearsurance users found State Farm renters insurance helpful when they needed to use it. One reviewer said: “Several years ago now a pan of vegetable oil caught fire on my kitchen stove in the apartment I was renting. It melted the light above the stove, and there was considerable damage to the wall and ceiling. I, too, was injured, but that's another story. State Farm made the claim pretty painless. I submitted pictures and everything was worked out with my landlord. I'm thankful for the whole process since I was dealing with my own medical claim at the same time.”

This company's renters insurance policies are typically great coverage for an affordable price. After all, it can put your mind at ease knowing that your valuables will be safely covered and you will be spared a huge financial burden in case something were to happen. Learn more about State Farm renters insurance by reading other Clearsurance reviews, and if you’ve had an experience yourself, write a review to help others gain insight.

For a full list of the renters insurance companies or insurers that customers say are the best in your state, visit Clearsurance's renters insurance rankings page.

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