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State Farm offers the best renters insurance, with the cheapest rates of any company in our rating. For $100,000 in personal property coverage, you’ll pay an average of $224 per year, or about $19 a month. State Farm also has a below-average level of consumer complaints with state departments of insurance, implying that customers are happy with its claims process and customer service.

• Business property coverage.
• Cyber event, identity restoration and fraud loss coverage, which covers legal fees and other expenses incurred if you become a cybercrime victim.
• Earthquake coverage.
• Inflation guard coverage, which automatically increases your personal property coverage as inflation increases.
• Pet medical insurance.
• Replacement cost coverage for personal property.
• Umbrella insurance.

• Bundling or multi-policy.
• Home alert protection.
• Automatic sprinklers.
• Loyal customer.

State Farm has a very low level of customer complaints. Its complaint ratio is 0.35, which is well below the national average of 1.0.

To determine an insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

State Farm offers renters insurance in all 50 states. What coverage you qualify for can depend on your ZIP code and personal factors, like your credit history.

Westfield has the best renters insurance for cusomter satisfaction because it has the lowest level of customer complaints of companies in our rating. Westfield’s no-frills renters insurance doesn’t offer riders, but the price point is good. $15,000 in personal property coverage will cost you about $11 per month.

• Wespak program, bundling policies to save.

Westfield has a very low level of customer complaints. Its complaint ratio is 0.03, which is well below the national average of 1.0.

To determine an insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

Westfield only offers renters insurance in Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, Tennessee and West Virginia.

USAA offers the best renters insurance for veterans and the military community. It offers below-average rates for all personal property coverage limits and has a very low level of customer complaints. However, USAA membership is only available to veterans, military personnel and qualifying family members.

• Technology coverage covers accidents like drops, spills and lost tech items like smartphones, smart watches and laptops.
• Separate umbrella insurance.
• Valuable personal property insurance.

• Bundling with auto insurance.
• Claims-free.
• Living on base.
• Loyalty.
• Military college.
• Protective devices.
• Service academy.

USAA has a very low level of customer complaints. Its complaint ratio is 0.31, which is well below the national average of 1.0.

To determine an insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

USAA offers renters insurance in all 50 states and Washington, D.C. Coverages and discount eligibility varies by state.

Operating in 19 states, American 91Ӱ�� is the only insurance company we analyzed that offers a yearly diminishing deductible as long as you don’t file a claim. While it has higher rates than some competitors, AmFam offers a variety of discounts.

• Credit monitoring.
• Equipment breakdown coverage.
• Home-based business coverage, including liability and property protection.
• Flash flood coverage (not full flood insurance).
• Identity theft restoration.
• Itemized personal property coverage (extended coverage for valuables).
• Pet coverage.
• Sewer, septic and sump pump backup coverage.
• Travel coverage.

• Autopay.
• Bundling/multi-policy.
• Diminishing deductible.
• Generational/family.
• Loyalty.
• Smart home devices.
• Paid in full.
• Paperless billing.

American 91Ӱ�� has a very low level of customer complaints. Its complaint ratio is 0.13, which is well below the national average of 1.0.

To determine an insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

American 91Ӱ�� offers renters insurance in Arizona, 91Ӱ��, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.

Coverages and discount eligibility varies by state.

Auto-Owners offers the most discounts out of any company in our analysis. If you’re shopping for the best renters insurance for students, Allstate also has exceptionally low rates for young people.

• Renters plus: Includes coverage for refrigerated items, water and sewer backup coverage and waterbed liability.
• Replacement cost coverage for personal property.

• Advance quote.
• Bundling.
• Green.
• Hurricane/wind mitigation.
• Favorable loss history.
• Life multi-policy.
• Payment history.
• Paid-in-full.
• Protective devices.

Auto-Owners has a very low level of customer complaints. Its complaint ratio is 0.13, which is well below the national average of 1.0.

To determine an insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

Auto-Owners is available in Alabama, Arizona, Arkansas, 91Ӱ��, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Coverages and discount eligibility varies by state.

Nationwide offers Valuables Plus to enhance coverage for valuable personal property and extend theft limits in the event your belongings are stolen off-premises, like from your car.

Nationwide also provides affordable rates for renters policies, costing an average of about $11 per month for $15,000 in dwelling coverage.

• Additional high-value property coverage.
• Brand new belongings, which pays replacement cost value for personal property.
• Theft extension coverage of personal belongings that are stored in vehicles, trailers or boats.
• Building additions and alterations, which covers damages to the alterations you made.
• Credit card coverage, including unauthorized transactions, counterfeit funds and check forgery.
• Earthquake and volcano coverage, up to policy limits.
• Water backup coverage.

• Multi-policy.
• Protective devices (safety features).
• Claims-free discounts.

Nationwide has a low level of customer complaints. Its complaint ratio is 0.75, which is below the national average of 1.0.

To determine an insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

Nationwide offers renters insurance in Alabama, Arizona, Arkansas, California, 91Ӱ��, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming and Washington, D.C.

Country Financial offers standard renters insurance coverage, as well as premier renters insurance that can upgrade your coverage to financially protect you from more types of loss.

• Earthquake damage.
• Flood insurance through the NFIP.
• High value item coverage, including jewelry, silverware, money, firearms and recreational vehicles.
• Identity theft restoration services.
• Premium coverage offering additional protection for appliances damaged by power surges, damages from spilled paint and antiques breaking.
• Replacement cost coverage for personal property.
• Umbrella insurance if you need more than $1 million in liability coverage.
• Water backup coverage.

• Claims free.
• Good/on-time payer.
• Loyalty.
• Multi-policy.
• New customer.

Country Financial has a very low level of customer complaints. Its complaint ratio is 0.07, which is well below the national average of 1.0.

To determine an insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

Country Financial offers renters insurance in Alabama, Alaska, Arizona, Arkansas, California, 91Ӱ��, Florida, Georgia, Idaho, Indiana, Illinois, Iowa, Kansas, Kentucky, Maine, Michigan, Minnesota, Missouri, Nebraska, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Washington and Wisconsin.

Coverage can vary by state.

Allstate offers the cheapest renters insurance for poor credit of the companies in our analysis. If you have poor credit, a renters insurance policy with $30,000 will cost you an average of $578 per year, but with Allstate, you’ll only pay about $179 per year — about 69% less.

Riders available

• Building improvements coverage.
• Business property coverage.
• Flood insurance through the NFIP.
• Identity theft restoration coverage.
• Scheduled personal property coverage.
• Umbrella insurance.