Kansas Renters Insurance

Learn more about renters insurance in Kansas.

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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.

 
Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions
 

Renters insurance prices in Kansas by company

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
CompanyAverage Annual Rate in Kansas
Farm Bureau$127
State Farm$128
Safeco$131
Shelter$135
Travelers$142
 

Kansas renters insurance costs by city

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
CityAverage 12-Month Renters Insurance Rate
Gardner$197
Olathe$197
Leawood$198
Overland Park$198
Shawnee$198
 

Looking for renters insurance information for a specific city? Check out our breakdown of the most populous cities in Kansas.

  1. Wichita

 

Renters insurance in KS by coverage tier

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 LevelAverage Annual Renters Insurance Rate in Kansas
$25K Property$164
$50K Property$261
 

Tip: bundle auto and renters insurance 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 (%)
$1,476$1,363$1138%

 

Kansas renters insurance FAQs

 

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.


Need renters insurance? Talk to an expert today.
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.