How to Get State Farm Insurance for Rental Properties
Getting insurance for a rental is much easier when you know what to do first. Gather your key documents, compare coverage options, choose the right add-ons, and keep your records organized for renewals and claims.
This guide explains what landlords and short-term hosts should prepare, what State Farm usually offers, and how to find savings without losing important protection.
Steps to Get State Farm Rental Coverage
Collect proof of ownership, the property address, construction details, lease terms, prior insurance pages, and recent photos. Having everything ready helps agents create faster and more accurate quotes.
| Document | Purpose | Quick Tip |
|---|---|---|
| Deed or tax record | Proves ownership and address | Keep a digital copy |
| Lease or host policy | Shows who lives there and for how long | Highlight start and end dates |
| Prior declarations page | Helps match past limits and endorsements | Note any claim-free years |
| Property photos | Confirms condition and updates | Add clear exterior and interior shots |
Get Auto Insurance Quotes
Compare personalized auto insurance quotes today.
Get Home Insurance Quotes
Explore quotes for landlord or host property coverage.
Work with a Local Agent
Talk to an agent: ask for a landlord policy if you rent long term or a host endorsement for short stays. Confirm liability limits, loss-of-rent coverage, and HOA requirements. Eligible clients may also qualify for new-graduate or loyalty discounts.
During your consultation, go over inspection schedules and maintenance rules. Agents can point out local risks such as flood zones or code upgrades that affect pricing. A short talk now can prevent claim issues later.
Match Coverage to Your Rental Type
Landlord packages often include dwelling, other structures, landlord liability, and loss-of-income coverage. If you drive rarely, check low-mileage discounts to save more through bundle plans.
Take date-stamped photos at move-in and move-out. They reduce disputes and help support claims for vandalism or accidents. For short-term rentals, save guest messages and platform incident reports as proof.
Deductibles and Policy Maintenance
Choose a deductible that fits your budget but still protects rental income. Many owners pick a higher deductible with solid loss-of-rent coverage. Ask about optional add-ons like water-backup or equipment-breakdown protection available in your area.
Long-Term vs. Short-Term Rental Coverage
| Feature | Long-Term Rental (Tenant Lease) | Short-Term Rental (Hosting) |
|---|---|---|
| Core property | Landlord policy (DP form) | Home policy + host add-on |
| Loss of rents/income | Usually included; higher limits optional | Optional; check availability |
| Liability | Landlord liability; umbrella advised | Host liability—verify scope |
| Common add-ons | Vandalism, water backup, equipment breakdown | Host damage, guest medical, ordinance coverage |
Before you finalize coverage, confirm occupancy and upgrades. Read the exclusions carefully. For examples of how claims work, review Esurance’s claim guide as a useful reference.
Frequently Asked Questions
Here are quick answers to common questions before you set your limits.
Single-family homes, multi-unit buildings, and many vacation rentals. Eligibility depends on location and occupancy.
Yes. Bundling, protective-device, and claim-free discounts often apply, along with select loyalty rewards.
Report online, through the app, or with an agent. Include photos, repair estimates, and receipts for quick review.
Bottom line: Prepare documents early, pick the right policy type, and explore bundles for better rates. To compare plans, visit State Farm insurance quotes.