Best and Cheapest Renters Insurance in Kansas for 2024

People renting an apartment are often confused about whether or not they need to buy renters insurance. It’s important to understand the difference between landlord insurance and renters insurance. Your landlord’s insurance covers the building you’re renting while renters insurance covers your personal belongings and provides liability protection.

A common misunderstanding is that renters don’t need renters insurance because their landlord has insurance, but both policies have different and important purposes. A renter will need to cover any replacement costs that arise should something happen to their personal property.

So if you want to ensure you’re properly covered while renting in Kansas, it’s important to find one of the best Kansas renters insurance companies. But where do you start? The cost of renters insurance is usually where people begin, but it's also vital to look at various companies as well.

In the table above, you can sort through all the renters insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the thousands of ratings provided by customers.

Note: Only those companies with at least 25 renters insurance reviews are eligible to appear in the best Kansas renters insurance rankings.

If you don't look into your coverage options you run the risk of overpaying, or not having the right amount of extra coverage to guard against property damage.

Interested in learning more about one of the companies on the list of the best renters insurance companies in Kansas? You can visit the company’s profile page to find more information about the company and read reviews to learn from the experiences of other policyholders. From there, you're on your way to getting renters insurance quotes.

Just the same as if you were looking for auto insurance, you should compare companies to make sure you're getting the best price. And if you're in the market for an auto policy and also need to compare companies, we offer a tool that can help you.

On this page:

• Kansas renters insurance rates
• Average cost of renting in Kansas City
• Renters insurance for Kansas college students
• Kansas property crime statistics

Who offers the best Kansas renters insurance rates?

Out of some of the most popular renters insurance companies in Kansas, Nationwide offers the cheapest Kansas renters insurance rates on average.

While renting an apartment in Kansas, you can look into renters insurance to ensure you and your belongings are protected. Renters insurance rates vary based on factors specific to you and the company you choose. In the table below, you can see average Kansas renters insurance rates from some of the largest companies in the state.

Encompass | $363.00 |

These average renters insurance rates are based on a policy with $30,000 in personal property coverage (with a $500 deductible), $100,000 in personal liability and $1,000 in medical payments to others. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

How much does rent cost in Kansas City?

In Kansas City, rent costs an average of $757 per month, but the cost to rent a Kansas City apartment depends on your location or ZIP code, and size of your apartment.

Kansas City is unique because there are actually two Kansas Cities — one in Kansas and one across the border in Missouri. While these are two separate cities, both are part of the Kansas City Metropolitan area. As for Kansas City in Kansas, the average monthly cost of rent is $757, but the price can vary depending on where in the city your apartment is located. One of the higher priced areas of the city is Nearman Hills, which has an average month rent of $990 but average monthly rent in areas like Morris or Turner is $620. The majority of apartments in Kansas City are less than $1,000 a month.

Another factor that affects monthly rent cost of an apartment is the size of the apartment. On average, the monthly rate of a studio apartment in Kansas City is $576 and the monthly rate of a one-bedroom apartment is $699. On the other hand, the average monthly rate of a three-bedroom apartment is $920. Renters in Kansas City should consider purchasing a renters insurance policy

Are there renters insurance options for Kansas college students?

If you’re attending a college or university in Kansas, chances are you’ll either be living in a dorm on campus or renting an apartment off campus. There are a few things for college students renting housing in Kansas to consider in order to protect their personal belongings. Not to mention other people that may be over — most renters policies will include some form of liability coverage.

A rental policy will also include some form of coverage for any additional living expenses, if something were to happen to the place you were renting. Things that may or may not happen while a college student is away from home. Renters insurance coverage can help with anything from water damage to smoke residue left from a fire. Though you'll want to talk to your renters insurance company about what sort of limits are in place.

Typically, college students who live in dorms located on the college campus are covered by their parents homeowners insurance policy. That’s usually only the case for students who live on campus, though. College students in Kansas who rent apartments off campus should consider a renters insurance policy because their items won’t be covered under their parents’ policy, and without a renters insurance policy they won’t have any protection. By having renters coverage, it's peace of mind for everyone.

What are the Kansas property crime statistics?

Theft and vandalism or malicious mischief are among the 16 perils a standard renters insurance policy protects you from. So, how does crime in Kansas compare to other states around the country? The FBI published the following statistics on crime in Kansas for 2016:

• Property crime - 78,367
• Burglary - 14,364
• Larceny theft - 57,066

All three statistics for Kansas, when compared to the national average rate per 100,000 inhabitants, rank slightly above the national average.

How can you save money on your renters insurance in Kansas?

While renters insurance may be more affordable than other types of insurance, no one wants to pay more than they have to. So what are the different ways that you can lower your Kansas renters insurance premium and have some extra spending money?

Here are the top 5 ways to save on your renters insurance:

• Raise your deductible
• Ask about potential discounts
• Bundle your policies
• Determine the value of your personal property
• Pay in full by check

How does Clearsurance rate and rank the best renters insurance companies in Kansas?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Is there a guide with more information on a renters policy?

As we mentioned above, there’s common misconceptions regarding what is and isn’t covered by a renters insurance policy. Before you purchase a policy from one of these best renters insurance companies in Kansas, it’s important to understand what your policy covers. For example, did you know that many renters insurance policies include liability protection in the event a non-resident is injured on the property. Plus, if your apartment becomes uninhabitable from an incident, some policies may cover your expenses as you find temporary housing.

We want to make sure you’re equipped with a proper knowledge of renters insurance, so check out our renters insurance guide. Looking for more educational information about renters insurance? Check out our renters insurance blog for more information and topics related to renters insurance.

Don't forget about our comparison tool, which will help you to compare quotes from various companies.