Renters insurance shouldn't be confusing. Compare rates from Kansas by location and carrier below.
Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. Renters insurance covers items in the event of fire or smoke damage, a wind storm, vandalism, theft, and a variety of other misfortunes.
Unlike auto insurance, renters policies aren’t priced based on state-level laws. Even still, there are relatively large differences in renters insurance pricing by state. Renters insurance rates by state may vary based on the number and value of renters claims filed in that particular state, and depend on the value of the belongings insured on the policy.Getting a renters policy in Kansas is more expensive than the US average. The average annual cost of renters insurance in Kansas is $213, $28 more expensive than the average rate across all US states.
The best way to acquire affordable renters insurance in Kansas is to compare rates from multiple companies. Find out average renters insurance rates in Kansas by referencing the below data. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.
Rates for renters insurance in Kansas can vary depending on the insurer you use. Farm Bureau offers the most affordable renters insurance in Kansas — $127 yearly. This is less than the state mean cost of $213, providing a 40% discount on rates typical to the state.
Start your search for a renters policy by checking out the cheapest Kansas renters insurance carriers, listed below.
| Company | Average 12-Month Rate in Kansas |
| Farm Bureau | $126.64 |
| State Farm | $127.95 |
| Safeco | $130.50 |
| Shelter | $134.95 |
| Travelers | $141.68 |
Not all Kansas cities have equal renters insurance rates. Policies are often priced on city-specific variables like the number of local claims filed, lending your ZIP code plenty of weight in deciding how much you pay.
The most affordable renters insurance in Kansas is available in Gardner. An average renters insurance policy in Gardner costs just $197 per year — $16 less than the state average. The below cities have the most affordable renters insurance in Kansas.
| City | Average Yearly Renters Insurance Rate |
| Gardner | $197 |
| Olathe | $197 |
| Leawood | $198 |
| Overland Park | $198 |
| Shawnee | $198 |
If you're looking for savings, consider carrying your renters and auto policies with the same insurance company. Bundling auto and renters insurance in Kansas can lead to substantial savings on auto insurance. Purchasing bundled policies in Kansas leads to a yearly discount of $113.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,476.48 | $1,363.38 | $113.10 | 8% |
One of the best ways to save on auto insurance is bundling. Get started today!
Searching for information about renters insurance for a particular city? Check out our breakdown of major cities 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.
There are many companies that offer coverage for renters in Kansas. Your best option for finding coverage is to shop around with as many companies as possible in order to get the best rates for the best coverage.
