American Family vs State Farm Renters Insurance — Which Is Better?
American Family renters insurance starts at $12/mo (rated 4/5), while State Farm starts at $15/mo (rated 4.3/5). Both cover personal property up to $100K.
| Feature | American Family | State Farm |
|---|---|---|
| Monthly Cost | $12–$28 | $15–$30 |
| Coverage | $10K–$100K | $15K–$100K |
| Deductible | $500, $1000 | $500, $1000 |
| Rating | 4/5 | 4.3/5 |
| Best For | Renters in the Midwest and West... | Renters who want a local agent... |
American Family highlights
- DreamSecure renters product with flexible add-ons
- Multi-policy discounts with auto and life
- Local agent network in 19 states
- Online claims with photo upload
State Farm highlights
- 19,000+ local agents nationwide
- Multi-policy discount with auto insurance
- Replacement cost coverage standard
- Identity theft restoration included
The verdict
Choose American Family if...
Renters in the Midwest and West who want local agent support with flexible coverage. Standout advantage: flexible dreamsecure product with modular add-ons.
Choose State Farm if...
Renters who want a local agent and plan to bundle with auto insurance. Standout advantage: largest agent network in the us.
More comparisons
●Frequently Asked Questions
Frequently Asked Questions
Is American Family or State Farm cheaper for renters insurance?
American Family is typically cheaper. American Family starts at $12/mo while State Farm starts at $15/mo. Actual pricing depends on your location and coverage amount.
Which is better — American Family or State Farm renters insurance?
It depends on what you need. American Family (4/5) is best for renters in the midwest and west who want local agent support with flexible coverage. State Farm (4.3/5) is best for renters who want a local agent and plan to bundle with auto insurance.
Does American Family or State Farm have better claims?
State Farm has the higher customer satisfaction rating at 4.3/5. American Family's key advantage: flexible dreamsecure product with modular add-ons. State Farm's key advantage: largest agent network in the us.
Can I switch from American Family to State Farm mid-lease?
Yes. You can switch renters insurance providers at any time — there's no penalty. Cancel your current policy after the new one is active to avoid a coverage gap.
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