In this post, we’ll take a look at State Farm renters insurance Reddit. Holding renters insurance can cover your liability in your rental space. In addition, the renters insurance is fairly essential insurance for young adults or new rental property residents.
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What’s Inside State Farm Renters Insurance Reddit?
There are 3 main aspects in this article, namely: Reddit, State Farm renters insurance, and the discussion of said insurance on Reddit. Let’s dissect them one by one.
1. Reddit
Reddit is an online forum for any interests. With its motto “Dive into anything”, Reddit has a substantial amount of communities regarding specific topics, interests, hobbies, or passions. This specific topic is called “subreddit” and Reddit user is simply called Redditors.
Regarding topics of renters insurance, we will look into some subreddit, such as r/AparmentHacks, r/homeowners, and r/frugal. As the name suggests, these subreddits will bring us into the discussion of better finance and insurance.
2. State Farm Renters Insurance
Renters Insurance by State Farm is essentially a policy to protect your belonging in your rental space. Two-thirds of the US renters didn’t have renters insurance, but in the case of a total loss, who would recover your lost belongings if not your insurer?
This fact often just goes over people’s heads. If you live in a rented space and have valuable items such as jewelry, art, or other collectibles, it might be wise to hold renters insurance.
3. State Farm Renters Insurance on Reddit
Combining the two, we focused solely on State Farm renters insurance on the Reddit forum. We can get insights from policyholders, ex-customers, soon-to-be policyholders, and even someone who claims to be an insurance employee.
A typical Reddit post consists of a post, comments, and more reactions regarding the post or the comment. So, it’s common to find layered comments on the platform.
Reddit Discussion
Redditors are anonymous on the platform, with that in mind, people are prone to show their true colors. So, this discussion is quoted from their personal experiences or theoretical opinions. Here are some of the State Farm renters insurance Reddit stories.
1. State Farm News
Under the r/LosAngeles subreddit, a Redditor that goes by the name Next-Mobile-9632 recently posted that State Farm halts new property insurance policies in the state of California.
This news brings California residents some reactions. Spats_McGee user actually surprised by the news, stating “Wow this is pretty big news…” and then added, a company not accepting new policies in wildfire-prone areas and coastal erosion areas.
Redditor named Deepinthefryer also commented on the post “At this rate, California fair plan will cover most of the state.”. California is already known for its diverse geography, ranging from beaches to forests and deserts.
Considering the high-risk California’s terrain is, “this news makes sense.” said Redditor Realistic_Joke1458 who claims to work in insurance inspection.
2. r/ApartmentHacks
A perfect place for renters to commute, r/ApartmentHacks mainly talks about ways to make a rental space feels like home and also double as an apartment marketplace. Not to mention (according to the topic) the authentic State Farm renters insurance Reddit discussions.
In a post by andrew-js, the Redditor asks about how to get your own renters insurance. Further explaining the situation, the Redditor is still under their parent’s insurance and is 23 years old.
Feeling empathic, a user DingBatButtFace responded in the comment stating “Hi, I’m the same age as you, and just got renter’s insurance of my own.”. The Redditor later stated in the comment that getting renters insurance is “very easy-”, “-just call around to different agencies (Allstate, State Farm, etc.)”.
Taking notes from the comment, a rough estimate for monthly renters insurance is $10 to $12. After acquiring the best quote tailored for you, there usually be some follow-up questions from the company. The question said to be: the home address, a rough estimate of your personal belonging value, and who’s going to be in the policy.
3. r/homeowners
This subreddit is a little bit off-topic from renters insurance. It’s because, in the actual r/Renters and r/RentersInsurance, State Farm didn’t get mentioned all that much. One post from r/Renters just mentioned State Farm as their insurer.
Aside from that, in r/homeowners there’s a comparison between GEICO and State Farm. Redditor that goes by the name gfalcon25 shares insight as an ex-employee of two different insurance companies.
In the post, gfalcon25 praised GEICO for being a good auto insurance but falls short in any other type of insurance. Later, the Redditor reminds others to keep “shop around” every 3-5 years.
Another Redditor, jdrch is a renters insurance policyholder for both companies. In the comment, jdrch stated that State Farm is “superior” in customer service because it has a lot of local offices.
In addition to that, Shoemugscale is also satisfied with State Farm’s service. At one instance, when there’s a leak in the house, a State Farm agent quickly takes a look at the house, takes pictures, and provides a check for coverage. “No questions asked, was a very easy experience TBH” later said the Redditor.
4. r/frugal
This subreddit is all about frugality, a mental approach that is taken to consider any resource allocations. The subreddit fits into our State Farm renters insurance Reddit topic with a post titled “What is the best renter insurance for cheap?”
One response from emmeridian stated that for both GEICO and State Farm, the Redditor spent $125 per year. If we’re doing the maths, $125 for twelve months is about $10.4 per month.
There are many responses to the post stating that Lemonade is the best option. Then, under all of that, echosreens simply reply “Mine is $115/year through State Farm”. That’s even cheaper than emmeridian’s, with below $10 per month.
The presented testimonials are taken from all-time searches ranging from the most recent time until two years ago. Your particular quote can vary depending on the state, your belongings value estimate, and the many policies you decided to add.
Is State Farm Renters Insurance Reddit Give You the Insight You Need?
To conclude, State Farm explains what the policy cover, including damage by nature, accidents, loss by mischief, etc. Another piece of information from our known source Redditor DingBatButtFace is that it takes about 15 minutes between work breaks to get the policy. Indeed, the process is easy, quick, cheap, and pretty beneficial.
