Best and Cheapest Renters Insurance in Kansas (Sept 2024)


Updated: September 26, 2024

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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.

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Best Overall: Farm Bureau

Farm Bureau is the best overall renters insurance provider, with a MoneyGeek score of 91 out of 100 and an average annual premium of $73.

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Cheapest: Farm Bureau

Farm Bureau is the cheapest renters insurance provider in Kansas, with an average annual premium of $73.

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Best Service: Farm Bureau

Farm Bureau is the best renters insurance provider for service quality, with a MoneyGeek score of 82 out of 100 and an average annual premium of $73.

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Best for Extra Personal Property: Farm Bureau

Farm Bureau is the best renters insurance provider for those needing extra personal property coverage of $100K. It has a MoneyGeek score of 91 out of 100 and an average annual premium of $160.

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Best for Veterans: Farm Bureau

Farm Bureau is the best renters insurance provider for military members, with a MoneyGeek score of 91 out of 100 and an average annual premium of $73.

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Best for Bad Credit: State Farm

State Farm is the best renters insurance provider for those with poor credit in Kansas. It has a MoneyGeek score of 92 out of 100 and an average annual premium of $167.

Why Trust MoneyGeek? We sourced data from the Kansas Department of Insurance and Quadrant Information Services to determine the top renters insurance providers in Kansas.

Renters insurance rates in Kansas reflect the best quotes as of September 2024.

23,040Quotes Collected
 
8Cities Analyzed
 
14ZIP Codes

Overall Best Renters Insurance in Kansas

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.

Company logo for FARM BUREAU GRP
Best OverallFARM BUREAU GRP
MoneyGeek Score:
91/ of 100

Overview

Farm Bureau is the best overall renters insurance provider in Kansas. It ranks first in affordability, with an average annual premium of $73. Farm Bureau offers contents replacement cost coverage. This coverage ensures that if your belongings are damaged or stolen, you're reimbursed for the full cost to replace them rather than just their depreciated value.

Best Renters Insurance in Kansas
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Farm BureauMoneyGeek Score91Annual Premium$ 73
State FarmMoneyGeek Score90Annual Premium$ 77
ShelterMoneyGeek Score79Annual Premium$ 80
Auto-Owners InsuranceMoneyGeek Score71Annual Premium$ 123
NationwideMoneyGeek Score70Annual Premium$ 129
FarmersMoneyGeek Score63Annual Premium$ 136
American FamilyMoneyGeek Score55Annual Premium$ 170
AllstateMoneyGeek Score53Annual Premium$ 162

Cheapest Renters Insurance in Kansas

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.

Cheapest Renters Insurance in Kansas
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Farm BureauAnnual Premium$ 73
State FarmAnnual Premium$ 77
ShelterAnnual Premium$ 80
Auto-Owners InsuranceAnnual Premium$ 123
NationwideAnnual Premium$ 129
FarmersAnnual Premium$ 136
AllstateAnnual Premium$ 162
American FamilyAnnual Premium$ 170
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QUALITY OVER COST

When selecting renters insurance, prioritize quality service. Opting for the best renters insurance over the cheapest option ensures efficient claims processing. Investing in a higher-quality plan can also lead to long-term savings.

Cheapest Renters Insurance by High Deductible in Kansas

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.

Cheapest High-Deductible Renters Insurance in Kansas
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Farm BureauAnnual Premium$ 67
ShelterAnnual Premium$ 74
State FarmAnnual Premium$ 76
Auto-Owners InsuranceAnnual Premium$ 113
FarmersAnnual Premium$ 116
NationwideAnnual Premium$ 117
American FamilyAnnual Premium$ 161
AllstateAnnual Premium$ 162

Best Renters Insurance for Customer Service in Kansas

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.

Company logo for FARM BUREAU GRP
Best ServiceFARM BUREAU GRP
MoneyGeek Score:
82/ of 100

Overview

In Kansas, Farm Bureau ranks first in customer satisfaction and coverage scores. The company offers excellent value at an average annual premium of $73.

Farm Bureau's coverages include contents replacement cost and scheduled personal property. Contents replacement cost ensures you can replace damaged items with new ones, eliminating depreciation concerns. Scheduled personal property covers high-value items like jewelry, which provides protection for your prized possessions. Farm Bureau is the cheapest provider in Kansas with these comprehensive coverages.

Best Renters Insurance for Customer Service in Kansas
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Farm BureauMoneyGeek Score82Annual Premium$ 73
NationwideMoneyGeek Score81Annual Premium$ 129
American FamilyMoneyGeek Score81Annual Premium$ 170
State FarmMoneyGeek Score78Annual Premium$ 77
Auto-Owners InsuranceMoneyGeek Score74Annual Premium$ 123
FarmersMoneyGeek Score71Annual Premium$ 136
AllstateMoneyGeek Score68Annual Premium$ 162
ShelterMoneyGeek Score59Annual Premium$ 80

Best Renters Insurance for Extra Personal Property in Kansas

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.

Company logo for FARM BUREAU GRP
Best for Extra Personal PropertyFARM BUREAU GRP
MoneyGeek Score:
91/ of 100

Overview

In Kansas, Farm Bureau is the top provider for renters needing extra personal property coverage. The company offers an average annual premium of $160 and has the highest affordability and coverage ratings.

Renters will benefit from Farm Bureau's scheduled personal property and contents replacement cost coverages. Scheduled personal property ensures high-value items are fully covered, while contents replacement cost coverage reimburses the full replacement value of stolen or damaged items, not just their depreciated value. These options provide renters with comprehensive protection for their belongings.

Best Renters Insurance for Extra Personal Property Limits in Kansas
Farm BureauMoneyGeek Score91Annual Premium$ 160
State FarmMoneyGeek Score89Annual Premium$ 174
AllstateMoneyGeek Score86Annual Premium$ 162
American FamilyMoneyGeek Score66Annual Premium$ 309
NationwideMoneyGeek Score66Annual Premium$ 311
Auto-Owners InsuranceMoneyGeek Score61Annual Premium$ 335
ShelterMoneyGeek Score60Annual Premium$ 287
FarmersMoneyGeek Score51Annual Premium$ 381

Best Renters Insurance for Military Families in Kansas

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.

Company logo for FARM BUREAU GRP
Best for Military MembersFARM BUREAU GRP
MoneyGeek Score:
91/ of 100

Overview

Farm Bureau is the top-rated insurance provider for renters with military backgrounds in Kansas. It ranks first in coverages and affordability. It offers excellent value for service members, with an average annual premium of $73.

Scheduled personal property coverage ensures your most valuable items are protected, even outside your home. Contents replacement cost coverage makes it easier to recover essential items quickly if your belongings get damaged or stolen, as you’ll receive a payout that covers the cost of replacing them with new items.

Best Renters Insurance for Military Families in Kansas
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Farm BureauMoneyGeek Score91Annual Premium$ 73
State FarmMoneyGeek Score90Annual Premium$ 77
ShelterMoneyGeek Score79Annual Premium$ 80
Auto-Owners InsuranceMoneyGeek Score71Annual Premium$ 123
NationwideMoneyGeek Score70Annual Premium$ 129
FarmersMoneyGeek Score63Annual Premium$ 136
American FamilyMoneyGeek Score55Annual Premium$ 170
AllstateMoneyGeek Score53Annual Premium$ 162

Best Renters Insurance for Bad Credit in Kansas

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.

Company logo for State Farm
Best for Bad CreditState Farm
MoneyGeek Score:
92/ of 100

Overview

In Kansas, State Farm ranks first in affordability for renters with poor credit, with an average annual premium of $167. It also holds the top spot in financial stability.

State Farm offers discounts for those who bundle renters and auto insurance, helping lower overall costs significantly. It also provides a discount for having protective devices like smoke detectors, which can save renters money while enhancing home safety. Both discounts are beneficial in reducing expenses for renters with poor credit.

Best Renters Insurance for Bad Credit in Kansas
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Credit Score:
Credit Score:Poor
State FarmMoneyGeek Score92Annual Premium$ 167
NationwideMoneyGeek Score91Annual Premium$ 209
Farm BureauMoneyGeek Score90Annual Premium$ 204
American FamilyMoneyGeek Score90Annual Premium$ 295
AllstateMoneyGeek Score86Annual Premium$ 162
FarmersMoneyGeek Score86Annual Premium$ 303
ShelterMoneyGeek Score81Annual Premium$ 165
Auto-Owners InsuranceMoneyGeek Score53Annual Premium$ 4,381

Average Cost of Renters Insurance in Kansas

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.

Renters Insurance Calculator

MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 04, 2024

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Average Cost of Renters Insurance by City in Kansas

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.

Kansas CityAnnual Premium$ 121
OlatheAnnual Premium$ 113
Overland ParkAnnual Premium$ 114
TopekaAnnual Premium$ 119
WichitaAnnual Premium$ 123
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COMPARE QUOTES TO SAVE

Renters in Kansas can save money on renters insurance by comparing quotes among providers. For $20K in personal property and a $1,000 deductible, Farm Bureau offers the lowest annual premium at around $73, while American Family is the most expensive at $170. By shopping around, renters can save $97 annually or $8 monthly.

What Factors Impact Renters Insurance Costs in Kansas?

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.

How Much Personal Property Coverage Do You Need?

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.

Personal Property Coverage Calculator

When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.

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What Renters Insurance Typically Covers in Kansas

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

What Renters Insurance Typically Doesn't Cover

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.

FAQ: Renters Insurance in Kansas

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

What is the cheapest renters insurance company in Kansas?
What is the best renters insurance company in Kansas?
How much does renters insurance cost in Kansas?
Is renters insurance required in Kansas?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.