State Farm Renters Insurance vs. Guardian Level Term
Side-by-side comparison · Updated 2026 · Independently reviewed
State Farm Renters Insurance
State Farm
4.3
From $12/mo. Replacement cost included. Bundle with auto for 17% off.
Full review →Guardian Level Term
Guardian Life
4.4
Level term with strong disability rider options. Mutual insurer focus on protection.
Full review →WealthSpott Verdict
State Farm Renters Insurance and Guardian Level Term are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.
Feature
State Farm Renters
Guardian Level Term
WealthSpott Rating
4.3 / 5
4.4 / 5 Best
Coverage Type
Renters Insurance
Life Insurance
Avg Annual Premium
~$134/yr Best
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AM Best Rating
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J.D. Power Score
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Mobile App Rating
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State Farm Renters Insurance
Guardian Level Term
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