OpenAPI Specification
openapi: 3.0.3
info:
title: State Farm Renters Insurance Coverage Policies API
description: The State Farm Renters Insurance API enables partner platforms including property management companies, real estate applications, multifamily housing operators, and insurance aggregators to embed State Farm renters insurance quoting and policy issuance directly into their tenant onboarding workflows. State Farm is the number one writer of renters insurance in the United States. This API supports quote requests, coverage selection, policy binding, and policy status retrieval. Renters insurance through State Farm covers personal belongings, liability protection, and additional living expenses. Available in all US states except California, Massachusetts, and Rhode Island.
version: 1.0.0
contact:
name: State Farm Partner Gateway
url: https://developer.statefarm.com
termsOfService: https://www.statefarm.com/customer-care/legal-disclaimer
license:
name: Proprietary
url: https://developer.statefarm.com/faq
servers:
- url: https://api.statefarm.com/v1
description: State Farm API Production
security:
- OAuth2:
- renters:quote
- renters:policy:read
- renters:policy:write
tags:
- name: Policies
description: Renters insurance policy operations
paths:
/renters/policies:
post:
operationId: createRentersPolicy
summary: Bind Renters Insurance Policy
description: Convert an accepted renters insurance quote into a bound policy. This initiates the policy issuance process with State Farm. Requires a valid quote ID and confirmed payment method.
tags:
- Policies
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/PolicyBindRequest'
responses:
'201':
description: Policy successfully bound
content:
application/json:
schema:
$ref: '#/components/schemas/PolicyResponse'
'400':
description: Invalid request
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'404':
description: Quote not found or expired
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'409':
description: Quote already bound or expired
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
/renters/policies/{policyNumber}:
get:
operationId: getRentersPolicy
summary: Get Renters Insurance Policy
description: Retrieve the status and details of a renters insurance policy by policy number. Returns current coverage, premium, effective dates, and policyholder information.
tags:
- Policies
parameters:
- name: policyNumber
in: path
description: State Farm policy number
required: true
schema:
type: string
example: 987-6543-B12
responses:
'200':
description: Policy details
content:
application/json:
schema:
$ref: '#/components/schemas/PolicyResponse'
'404':
description: Policy not found
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
components:
schemas:
CoverageSelection:
type: object
description: Renters insurance coverage selections
properties:
personalPropertyLimit:
type: integer
description: Personal property coverage limit in USD
example: 25000
liabilityLimit:
type: integer
description: Personal liability coverage limit in USD
example: 100000
medicalPaymentsLimit:
type: integer
description: Medical payments to others limit in USD
example: 1000
deductible:
type: integer
description: Policy deductible amount in USD
example: 1000
additionalLivingExpenses:
type: boolean
description: Whether additional living expenses coverage is included
example: true
identityRestorationCoverage:
type: boolean
description: Whether identity restoration coverage is included
example: false
Address:
type: object
required:
- street
- city
- state
- zipCode
description: US property address
properties:
street:
type: string
description: Street address including unit number
example: 123 Main St, Apt 4B
city:
type: string
description: City name
example: Chicago
state:
type: string
description: Two-letter US state code
example: IL
zipCode:
type: string
description: ZIP or ZIP+4 postal code
example: '60601'
PolicyBindRequest:
type: object
required:
- quoteId
- paymentMethod
- paymentFrequency
description: Request to bind a renters insurance policy from a quote
properties:
quoteId:
type: string
description: Quote ID to bind into a policy
example: QT-2026-789456
paymentMethod:
type: string
description: Payment method type
enum:
- CREDIT_CARD
- BANK_DRAFT
- ELECTRONIC_CHECK
example: BANK_DRAFT
paymentFrequency:
type: string
description: How often premiums are billed
enum:
- MONTHLY
- ANNUALLY
example: MONTHLY
effectiveDate:
type: string
format: date
description: Policy effective date
example: '2026-06-01'
additionalInterests:
type: array
description: Additional interest parties (e.g., landlords, lenders)
items:
$ref: '#/components/schemas/AdditionalInterest'
AdditionalInterest:
type: object
description: Additional interest party on the policy
properties:
type:
type: string
description: Type of additional interest
enum:
- LANDLORD
- PROPERTY_MANAGEMENT
- LENDER
- OTHER
example: LANDLORD
name:
type: string
description: Name of the additional interest party
example: Acme Property Management LLC
address:
$ref: '#/components/schemas/Address'
PolicyResponse:
type: object
description: Renters insurance policy details
properties:
policyNumber:
type: string
description: State Farm policy number
example: 987-6543-B12
status:
type: string
description: Policy status
enum:
- ACTIVE
- PENDING
- CANCELLED
- EXPIRED
- LAPSED
example: ACTIVE
effectiveDate:
type: string
format: date
description: Policy effective date
example: '2026-06-01'
expirationDate:
type: string
format: date
description: Policy expiration date
example: '2027-06-01'
annualPremium:
type: number
format: double
description: Annual premium amount in USD
example: 186.0
monthlyPremium:
type: number
format: double
description: Monthly premium amount in USD
example: 15.5
coverageSummary:
$ref: '#/components/schemas/CoverageSelection'
insuredName:
type: string
description: Full name of the primary insured
example: Jane Smith
propertyAddress:
$ref: '#/components/schemas/Address'
Error:
type: object
description: Error response
properties:
code:
type: string
description: Error code
example: INVALID_STATE
message:
type: string
description: Human-readable error message
example: Renters insurance is not available in the requested state.
details:
type: array
items:
type: object
properties:
field:
type: string
message:
type: string
securitySchemes:
OAuth2:
type: oauth2
flows:
clientCredentials:
tokenUrl: https://api.statefarm.com/oauth/token
scopes:
renters:quote: Create and retrieve renters insurance quotes
renters:policy:read: Read renters insurance policy details
renters:policy:write: Bind and manage renters insurance policies