Best and Cheapest Renters Insurance in Kansas (Sept 2024)

Farm Bureau is the best and cheapest renters insurance provider in Kansas for $20K in personal property coverage. It has an average annual premium of $73 and a MoneyGeek score of 91 out of 100.

Although it has the highest MoneyGeek score, the best fit for you will depend on your needs. For instance, State Farm is best for those with poor credit, with an average annual premium of $167.

Farm Bureau is the best renters insurance provider in Kansas, with a MoneyGeek score of 91 out of 100 and an average annual premium of $73 for $20K in personal property coverage. The two best renters insurance providers in Kansas for the same policy are:

• Farm Bureau: MoneyGeek score of 91 out of 100 ($73 per year)
• State Farm: MoneyGeek score of 90 out of 100 ($77 per year)

Farm Bureau has perfectly balanced customer satisfaction and affordability. However, the best choice for you will still depend on your specific needs.

Farm Bureau offers the cheapest renters insurance in Kansas, with an average annual premium of $73 for $20K in personal property coverage. The following providers are the top two cheapest in Kansas for $20K in personal property coverage and a $1,000 deductible:

• Farm Bureau: $73 per year
• State Farm: $77 per year

Personal property coverage helps protect your belongings against risks like theft or damage. Cheap renters insurance policies often have low personal property coverage limits. Higher limits increase your monthly costs but offer better protection if you own many belongings.

In Kansas, Farm Bureau is the cheapest renters insurance company for $20K in personal property coverage with a $2,000 deductible, with an average annual premium of $67. For the same coverage with a $2,000 deductible, the following providers are the top two cheapest in Kansas:

• Farm Bureau: $67 per year
• State Farm: $76 per year

A deductible is the amount you pay out of pocket before your insurance kicks in. It can significantly affect your costs, lowering your premium by choosing a higher deductible. You can see how rates change using the table below.

Farm Bureau is the best renters insurance company for service quality in Kansas. It offers $20K in personal property coverage at an average annual premium of $73. These are the top two providers in Kansas for those who value great customer service and $20K in personal property coverage.

• Farm Bureau: MoneyGeek score of 82 out of 100 ($73 per year)
• Nationwide: MoneyGeek score of 81 out of 100 ($129 per year)

Great customer service from a renters insurance provider means timely responses, efficient claim processing and courteous communication. For instance, when you file a claim, great customer service ensures you get quick assistance and a fair settlement, ensuring you feel supported and covered during unexpected events.

Farm Bureau is the best renters insurance company for renters who need $100K of personal property coverage in Kansas, with an average annual premium of $160. For $100K in personal property coverage, these are the top two best providers in Kansas:

• Farm Bureau: MoneyGeek score of 91 out of 100 ($160 per year)
• State Farm: MoneyGeek score of 89 out of 100 ($174 per year)

Renters with more personal belongings often need higher personal property coverage. Personal property coverage protects belongings, such as electronics, furniture and clothing, against theft or damage. Higher personal property coverage often comes at a higher cost, so it's crucial to find a provider that balances cost and top-notch service. This balance ensures your valuables are well-protected without breaking the bank.

Farm Bureau is the best renters insurance company for those with military backgrounds in Kansas. It offers $20K in personal property coverage at an average annual premium of $73. These are the top two best providers in Kansas for military members who need $20K in personal property coverage:

• Farm Bureau: MoneyGeek score of 91 out of 100 ($73 per year)
• State Farm: MoneyGeek score of 90 out of 100 ($77 per year)

For military members, finding the best provider means prioritizing customer service and affordability. Balancing these factors is essential, given their unique needs and lifestyle.

State Farm is the best renters insurance company for homeowners with poor credit in Kansas, with an average annual premium of $167. These are the top two best providers in Kansas for those with poor credit:

• State Farm: MoneyGeek score of 92 out of 100 ($167 per year)
• Nationwide: MoneyGeek score of 91 out of 100 ($209 per year)

Rates for those with poor credit are often higher, as they pose a greater risk to providers. Insurers view them as higher risk because they may have a history of missed payments or financial instability. To lower rates, those with poor credit can take steps to improve their credit scores and take advantage of available discounts where possible.

The average cost of renters insurance in Kansas is $119 annually or $10 monthly. This cost is $27 less per year than the national average of $146 annually. These rates are based on a policy with $20,000 in personal property limits, $100,000 in liability limits and a $1,000 deductible.

Renters should remember that the average cost of renters insurance in Kansas can vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings against risks like theft or damage. Use the tool below to get an estimate for your renters insurance based on your needs.

The average cost for renters insurance varies not only by state but also by city. For instance, the average annual premium in Wichita is $123, while in Olathe, it is $113. In comparison, the state average for Kansas is $119. These rates are based on a renters insurance policy with $20,000 in personal property limits, $100,000 in liability limits, a $1,000 deductible and a good credit score. See the average cost in your city using the table below.

Multiple factors impact the cost of renters insurance in Kansas, including location, coverage amount and deductible. Understanding what affects these costs is important for making informed decisions and potentially saving money. Below are some key factors that influence renters insurance premiums:

• Location: Urban areas typically have higher premiums than rural areas due to increased risk.
• Coverage amount: Higher coverage amounts result in higher premiums.
• Deductible: Opting for a higher deductible can lower your premium.
• Credit score: Better credit scores often lead to lower premiums.
• Claims history: A history of frequent claims can increase your insurance costs.

Determining your personal property coverage involves creating a personal inventory of all your belongings at home. A personal inventory is a detailed list of all the items you own, including their descriptions and values. Follow these steps to create a personal inventory and ensure you have the right coverage:

1. List Items: Write down every item in each room, including furniture, electronics and personal items.
2. Take Photos: Photograph each item to have a visual record.
3. Note Purchase Details: Record the purchase date, price and any receipts for valuable items.
4. Categorize Items: Group similar items, such as electronics or kitchen appliances.
5. Store Inventory Safely: Keep a digital copy of your inventory in a secure location, such as cloud storage.

Renters insurance primarily protects your personal belongings from damage, but it also extends to other areas, such as liability and additional living expenses. Here's what a typical policy may cover:

• Personal Property Coverage: Safeguards your possessions against covered perils like theft to help you replace them.
• Personal Liability Coverage: Protects you from legal responsibility for injuries or damage to others, such as if a guest is injured in your rental unit.
• Loss of Use Coverage: Assists with additional living expenses. For example, if your rental is uninhabitable due to a fire, loss of use coverage can cover temporary housing costs.

Renters insurance typically applies to specific events, like theft, vandalism or specific natural disasters. Here's what most policies cover:

• Fire or lightning
• Windstorm or hail
• Explosions
• Riots
• Damage caused by aircraft
• Damage caused by vehicles
• Smoke damage
• Vandalism
• Theft
• Volcanic eruption
• Falling objects
• Weight of ice, snow or sleet
• Water-related damage from home utilities
• Electrical surge damage

Renters insurance does not cover everything; for instance, it typically excludes flood damage and earthquakes. Understanding these exclusions can help you better prepare for unexpected events.

• Flood Damage: Renters insurance typically does not cover damages caused by flooding.
• Earthquake Damage: Damage resulting from earthquakes is usually excluded.
• High-Value Items: Items like jewelry or electronics may not be fully covered.
• Pests: Damage caused by pests such as rodents or insects is usually not included.
• Certain Water Damage: Some types of water damage, like sewer backups, are often excluded.

Finding the best renters insurance provider for you can be easy. We've answered some common questions to help you make an informed decision.