Does State Farm Renters Insurance Cover Personal Injury?
State Farm is the most searched individual carrier for this question, and the answer is yes — with the same coverage structure as the industry standard.
State Farm renters insurance covers bodily injury liability at its default $100,000 minimum, with options to increase. It costs an average of $15 per month for $100,000 in liability paired with $40,000 in personal property coverage (Insurify, 2026). That is the cheapest average among major carriers.
State Farm’s renters liability is explicit: the policy covers costs if you are held responsible for another person’s injury or damage to their property. The coverage applies whether the incident occurred within your residence or elsewhere.