How to Get State Farm Insurance for Rental Properties
Getting the right insurance for a rental is simpler when you know the sequence: gather docs, compare coverages, lock the right endorsements, and keep proof organized for renewals and claims.
This guide walks through the essentials for landlords and short-term hosts—what to prepare, what State Farm typically offers, and where to find savings without cutting critical protection.
Steps to get State Farm rental coverage
Start by collecting proof of ownership, the property address and construction details, current lease terms (or hosting policy for short-term rentals), prior insurance declarations (if any), and recent photos. Having this ready speeds quoting and underwriting.
| Document | Why it’s needed | Tip |
|---|---|---|
| Deed or tax record | Verifies ownership and address | Keep a recent PDF or photo |
| Lease / host policy | Shows occupancy type and terms | Highlight start/end dates |
| Prior dec page | Speeds matching limits and endorsements | Note past claims/free periods |
| Photos (exterior/interior) | Confirms condition and upgrades | Date-stamp and label rooms/systems |
Get Auto Insurance Quotes
Get competitive auto insurance quotes today.
Get Home Insurance Quotes
Explore options for home and landlord policy quotes.
Talk to an agent: ask for a landlord/lessor’s risk policy (for long-term tenants) or guidance for short-term rental endorsements. Confirm liability limits, loss of rents coverage, and any city/HOA requirements. If you’re eligible, stack savings like new-graduate discounts or multi-policy credits.
Match coverages to the risk: typical landlord packages include dwelling (structure), other structures, landlord liability, medical payments to others, loss of rental income, and optional vandalism/water backup endorsements. If you also drive infrequently, check whether low-mileage savings apply on your auto line when you bundle.
Document condition at move-in and move-out with date-stamped photos or a walkthrough app. Those files reduce disputes and support claims for vandalism or accidental damage. For short-term rentals, keep platform correspondence handy for incident timelines.
Choose deductibles with cash flow in mind. Many landlords prefer a slightly higher deductible paired with robust loss-of-rents coverage to protect monthly income. Ask how water backup, ordinance, and equipment breakdown endorsements price in your ZIP.
| Feature | Long-term rental (tenant leases) | Short-term rental (hosting) |
|---|---|---|
| Core property (dwelling) | Landlord policy (DP form) | Home policy + host endorsement (varies) |
| Loss of rents/income | Commonly included/optional higher limits | Often optional; verify availability |
| Liability | Landlord liability; consider umbrella | Host/third-party liability—confirm scope |
| Common add-ons | Vandalism, water backup, equipment breakdown | Host property damage, guest medical, ordinance |
When you’re ready to bind coverage, complete the application with accurate occupancy status and updates (roof, wiring, plumbing). Review deductibles, exclusions, and any ordinance or law limits. For claim logistics on other carriers, see Esurance’s claim process as a reference point.
Frequently Asked Questions
Use this quick primer to verify eligibility, savings, and filing basics before you choose limits.
What types of rental properties can I insure with State Farm?
Single-family homes, multi-family units, and many vacation rentals; eligibility varies by location and occupancy.
Are there discounts available for State Farm rental coverage?
Yes. Bundling, protective devices, claim-free history, and select profile discounts may apply.
How do I file a claim on my rental property insurance?
Report via web, app, or agent; include photos, dates, and estimates, and keep receipts for temporary repairs.
Bottom line: gather documents first, confirm the right policy type (landlord vs. host), and bundle intelligently. For broader pricing views, compare State Farm insurance quotes.