OpenAPI Specification
openapi: 3.0.3
info:
title: State Farm Renters Insurance Coverage Quotes 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: Quotes
description: Renters insurance quote operations
paths:
/renters/quotes:
post:
operationId: createRentersQuote
summary: Create Renters Insurance Quote
description: Request a renters insurance quote for a prospective tenant. Provide the property address, desired coverage amounts, and tenant information to receive a State Farm renters insurance quote with premium details and coverage options.
tags:
- Quotes
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteRequest'
responses:
'201':
description: Quote successfully created
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteResponse'
'400':
description: Invalid request
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'401':
description: Unauthorized
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'422':
description: Quote cannot be issued for this location
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
/renters/quotes/{quoteId}:
get:
operationId: getRentersQuote
summary: Get Renters Insurance Quote
description: Retrieve details of a previously created renters insurance quote by its ID.
tags:
- Quotes
parameters:
- name: quoteId
in: path
description: Unique quote identifier
required: true
schema:
type: string
example: QT-2026-789456
responses:
'200':
description: Quote details
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteResponse'
'404':
description: Quote 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
QuoteRequest:
type: object
required:
- propertyAddress
- tenantInfo
- coverageOptions
description: Request body for creating a renters insurance quote
properties:
propertyAddress:
$ref: '#/components/schemas/Address'
tenantInfo:
$ref: '#/components/schemas/TenantInfo'
coverageOptions:
$ref: '#/components/schemas/CoverageSelection'
effectiveDate:
type: string
format: date
description: Desired policy effective date
example: '2026-06-01'
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'
QuoteResponse:
type: object
description: Renters insurance quote details
properties:
quoteId:
type: string
description: Unique quote identifier
example: QT-2026-789456
status:
type: string
description: Quote status
enum:
- PENDING
- READY
- ACCEPTED
- EXPIRED
- DECLINED
example: READY
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'
propertyAddress:
$ref: '#/components/schemas/Address'
validUntil:
type: string
format: date-time
description: Date and time the quote expires
example: '2026-05-16T23:59:59Z'
quoteNumber:
type: string
description: Human-readable quote number for reference
example: 2026-Q-987654
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
TenantInfo:
type: object
required:
- firstName
- lastName
- dateOfBirth
description: Tenant/applicant personal information
properties:
firstName:
type: string
example: Jane
lastName:
type: string
example: Smith
dateOfBirth:
type: string
format: date
example: '1990-03-15'
email:
type: string
format: email
example: jane.smith@email.com
phone:
type: string
example: 555-867-5309
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