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How to get affordable renters insurance in Kansas
Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters insurance policy covers your belongings against fire, smoke damage, a wind storm, theft, vandalism and a number of other situations.
Unlike auto insurance, renters insurance isn't priced specifically by state. Even so, there are substantial variations in the cost of renters insurance policies by state. Renters insurance prices by state may vary based on the value and number of renters claims filed in that particular state, and also on the value of the belongings you're insuring.
Kansas renters insurance is pricier than the national average. The typical annual renters insurance rate in Kansas is $213, $28 more expensive than in other states.
The easiest way to find an affordable renters insurance policy in Kansas is to get quotes from multiple insurance companies. Find out renters insurance rates in Kansas via the below breakdown. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.
- Rates by company
- Rates by city
- Rates by coverage level
- Bundling discounts
- Frequently asked questions
Rates for renters insurance in Kansas vary based on the insurer you choose. Farm Bureau underwrites the most affordable renters policies in Kansas — $127 per year. This compares favorably to the state's average cost of $213, offering a 40% discount on the typical rates in the state.
Begin the hunt for a renters insurance policy by reviewing the most affordable Kansas renters insurance carriers, listed below.
AFFORDABLE RENTERS INSURANCE COMPANIES IN KANSAS
|Company||Average Annual Rate in Kansas|
Renters insurance rates in Kansas vary by city. Pricing depends on city-specific variables, such as the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.
The best renters insurance in Kansas is available in Gardner. In Gardner, the typical renters insurance policy costs $197 per year — $16 less than the average policy in other Kansas cities. Reference the below table to see the cheapest cities in Kansas for renters insurance.
CHEAPEST CITIES FOR RENTERS INSURANCE IN KANSAS
|City||Average 12-Month Renters Insurance Rate|
Looking for renters insurance information for a specific city? Check out our breakdown of the most populous cities in Kansas.
Your renters insurance rates will vary depending on the amount of coverage you purchase. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In Kansas, the annual cost differential between these options is about $96. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.
|Coverage Level||Average Annual Renters Insurance Rate in Kansas|
To trim a few dollars from your insurance costs, consider holding your car and renters policies with the same insurance company. A renters and car insurance bundle in Kansas can save you a substantial sum each month on auto insurance. Bundling policies in Kansas leads to average annual savings of $113.
CAR AND RENTERS BUNDLING DISCOUNTS IN KANSAS
|Avg. Annual Rate (No Bundle)||Avg. Annual Rate (w/ Bundle)||Annual Savings ($)||Annual Savings (%)|
Is renters insurance required in Kansas?
Kansas law does not require you to carry renters insurance. Your landlord might require you carry it, in which case it is required.
What does Kansas renters insurance cover?
A basic renters insurance policy in Kansas will typically include coverage for your contents, your liability, your additional living expenses, and any medical payments to others.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.