Kansas City Renters Insurance

The Zebra
July 23, 2019

Renters insurance in Kansas City


It's important to carry renters insurance for those renting an apartment or house. It insures your rental dwelling — and any personal property within it — against a variety of harms, such as theft, fire, vandalism, or wind damage. Since bad things do happen, the affordable price of renters insurance, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

Renters insurance rates are dictated by a variety of factors, including your building's age, the material from which it’s made, its geographic location, and the pricing guidelines of your insurance company. In areas in which fire, lightning, wind, or hail are common, renters insurance could be more expensive.

The average annual renters insurance rate in Kansas City is $213.

Finding affordable renters insurance in Kansas City starts with comparing policies. Consult our analysis of Kansas City renters insurance rates to ensure you're informed and aware heading into the insurance purchasing process. Remember: rates may vary based on your coverage limits and other factors.


Kansas City renters insurance:

  1. Rates by company
  2. Rates by coverage level
  3. Renters and auto insurance discounts

Renters insurance rates in Kansas City — popular companies

Renters insurance premiums in Kansas City depend on the insurance company providing the quote. For instance, USAA offers the cheapest renters insurance in Kansas City, at just $83 per year. This compares favorably to the city's average cost of $213, providing a $130 discount on the city's normal rates.

Begin your search for a renters insurance policy by exploring the cheapest insurers in Kansas City.


CHEAP RENTERS INSURANCE COMPANIES IN KANSAS CITY
CompanyAverage Annual Rate in Kansas City
USAA$83
Shelter$133
Safeco$142
State Farm$149
Travelers$159

Kansas City renters insurance premiums by coverage level

The cost of your renters insurance depends on the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Kansas City, the average annual cost difference between these tiers is roughly $74. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Annual Rate in Kansas City
$25K Property$177
$50K Property$250

Money-saving tip: bundle your renters and car insurance policies

If you’re looking to cut your insurance expenditures, purchase your renters and auto policies from the same insurance company. Bundling renters and auto insurance in Kansas City can result in substantial savings. In fact, bundling renters and auto insurance leads to average savings of 6.8% on car insurance premiums. The car insurance company with the cheapest bundled rate is GEICO, followed by American Family and Allstate.


RENTERS AND AUTO INSURANCE BUNDLE DISCOUNTS IN KANSAS CITY
Annual Bundle SavingsBundle Savings %
$976.8%

Need renters insurance? Talk to an expert today.