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Many renters are learning more about personal property coverage and the need for renters insurance. Your landlord’s property policy will cover their risks and liabilities including property damage or loss. Even the best homeowners policy does not cover renters. So if your house caught on fire and you didn’t have renters insurance coverage, you could lose everything.

What Is The Average Renters Insurance Cost in Kansas?

When you compare the cost of renters insurance in Kansas to the national average, you’ll find it’s more than affordable. The average policy covers about $10,000 in personal property. You can get more coverage if you want. It also covers liability, additional living expenses after a disaster, and more. What it doesn’t cover is building damage. This substantially lowers your insurance company’s liabilities.

In fact, at $174 per year, rental insurance is 7% less expensive in Kansas than it is in most states. That’s an excellent value especially when you weigh the small cost of renters insurance against the potential expense of replacing everything you own. It’s a fraction of the cost of even the cheapest homeowners coverage.

Here’s more good news: even working just for minimum wage, you’ll only have to clock in 24 hours to pay for a whole year’s worth of a renters policy. As you can see, there’s no denying rental insurance is an affordable way to help protect your belongings.

What Does Kansas Rental Insurance Cover?

Picture this: you get out of work, drive home, and discover your apartment was burglarized. Unfortunately, it could happen. In 2012 alone it did according to 18,767 reported break-ins in Kansas. Dealing with an event like a burglary is stressful, but having renters insurance can go a long way toward helping you get back on your feet.

With rental insurance, you’ll get money from your provider to help replace your things no matter whether they were stolen, damaged, or destroyed by a covered incident. Your policy may also include a certain amount of liability insurance to help out if someone is injured in your home.

How Can You Get Discounts on The Average Cost of Renters Insurance?

How much you pay for your renters insurance premiums are based on a number of factors: some being your address, cost of personal belongings, and claims history. While renters insurance only costs a couple hundred dollars a year on average, there are also opportunities to save more money with Kansas renters insurance discounts.

  • Multi-Policy: Save when you combine policies like auto insurance, home, and life insurance with your renters insurance.
  • No Prior Claims: If you haven’t ever filed a claim, you’ll save on your rental insurance premium.
  • Safety Devices: Smoke detectors, sprinklers, anti-theft systems, and home monitoring systems can save you money. You can work with your landlord to install a wide variety of systems at a low cost.
  • Higher Deductibles: If you opt into a plan with a higher deductible, you’ll have a lower payment amount every month. Watch out for this though. Your deductible is something you’re responsible for paying if you file a claim.

What Are Some Kansas Renters Insurance Facts?

Of all the people who call Kansas home, 32% rent. On average, these renters pay about $756 for a two-bedroom apartment and spend just $174 per year on renters insurance. Premiums this low make the decision to get rental insurance easy.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

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