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Compare Allstate vs. State Farm Renters Insurance

What’s the difference between Allstate Renters Insurance and State Farm Renters Insurance? See how our editors compare the two companies below.
Last Updated: October 09, 2025
Allstate Renters Insurance
4.6 / 5 - Excellent
no_rank
SEE RATES
State Farm
3.8 / 5 - Very good
#4 in Renters Insurance
SEE RATES
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Key Facts

Allstate Backed Rental Insurance From $5/Month

  • Liability, Personal Property, Loss Of Use Coverage
  • Add-On Coverage For Jewelry, Earthquake, Umbrella
  • Multi-policy Discounts Available
  • Local Agents + Easy Online Quotes
  • Instant online quote - Rated Aa1 by Moody's and AA by Standard & Poor's
  • Discount for renters and auto insurance bundles
  • Policies start at $150/year
  • Additional coverages available for waterbeds and identity restoration
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OVERALL RATINGS

 AllstateState Farm
Coverage Options4.5/53.5/5
Add-Ons & Discounts4.8/54.0/5
Customer Service4.5/53.5/5
Financial Strength4.5/54.0/5

Coverage Compared

 AllstateState Farm
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Personal Property
Personal Liability
Optional Coverage
Scheduled Coverage
Identity Theft Restoration
Scheduled Coverage
Identity Theft Restoration
Roommate / Additional Insured Individuals
Property Valuation Methods
Replacement Cost
Actual Cash Value
Replacement Cost

Exclusions

Certain types of property, including jewelry, have a maximum for the dollar amount paid out. However, this limit can easily be increased with higher premiums.
State Farm Renters Insurance does not cover: damage caused by floods, earthquakes, or mudslides; bodily injury or property damage intentionally caused by the policyholder; business activities; aircraft, motor vehicles, and some watercraft.

Coverage Fine Print

Business property Sports equipment Green improvement reimbursement Yard and garden Electronic data recovery Musical instruments
Back-up of sewers and drains Business Pursuits Depreciated Loss Settlement Provision Incidental Business Limited Replacement Cost Settlement Loss Assessment Nurses' Professional Liability Off Premises Structures Other Structures - Increased Limits Personal Injury Liability Rental Personal Property Roof Surfaces Vacancy Endorsement

Pricing & Discounts

 AllstateState Farm
Annual Premium
Starting at $252
Starting at $158
Deductible Options
$250, $500, $1,000
$500, $1,000, $2,000, $3,000, $4,000, $5,000
Maximum Liability Coverage
$500,000
$1,000,000
Property-Level Discounts
Burglary Protected
Fire Protection
Burglary Protected
Fire Protection
Sprinkler System

Discounts Fine Print

Customer Experience

Customer Ratings

 AllstateState Farm
BBB Rating
A-
A-
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
150

National Association of Insurance Commissioners

 AllstateState Farm
NAIC Complaint Ratio
0.81
0.35
NAIC Total Complaints
148
435
*The NAIC complaint ratio (in this case 0.81) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAIC complaint ratio (in this case 0.35) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength Ratings

 AllstateState Farm
Underwriter
Allstate Insurance Company
STATE FARM FIRE & CAS CO
Standard & Poor's Financial Rating
AA-
AA
Moody's Financial Rating
Aa3
Aa1
AM Best Financial Rating
A+
A++
Company Type
Underwriter
Underwriter
*The above information reflects the financial strength of the underwriter of the Allstate renters insurance policies: Allstate Insurance Company.
*The above information reflects the financial strength of the underwriter of the State Farm renters insurance policies: STATE FARM FIRE & CAS CO.

Contact & Additional Information

 AllstateState Farm
Homepage URL
https://www.allstate.com/
https://www.statefarm.com/
Company Phone
(877) 810-2920
(800) 782-8332
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
One State Farm Plaza, Bloomington, IL, 61710
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931
1922

Final Verdict

Allstate Renters Insurance has a higher overall rating than State Farm Renters Insurance. Allstate scores better than State Farm across: Coverage Options, Add-Ons & Discounts, Customer Service, and Financial Strength.

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4.8 / 5 - Excellent
#1 in Renters Insurance
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