7 Best Renters Insurance Companies in Kansas of 2023
Kansas residents in small towns like Belleville or larger cities like Overland Park understand how damage to personal property can be devastating if you cannot recover the loss of items like your clothing, furniture, and even your electronics after a storm or fire. But, renters insurance is not required by law in Kansas.
So purchasing renters coverage is a voluntary and personal decision, and it isn’t a one size fits all when shopping for coverage that is right for you and your family. It doesn’t matter if you live in a Northern Kansas town like Goodland or Leavenworth, a renters insurance policy is a benefit in a catastrophic event.
For many, a loss of personal property in a fire, for example, is more than just a physical loss of property, but an emotional event.
So, even tenants living in the largest city of Wichita purchase renters insurance to have peace of mind if a loss occurs, they have a renters policy.
You will find personal liability is included in renters insurance policies.
General or personal liability can pay for damages incurred by others that you become legally obligated to pay.
According to PropertyNest research, the national average cost of renters insurance is $206 annually, and Kansas residents see slightly higher pricing at an average of $227.
The Best Renters Insurance Companies in Kansas
- Allstate – Best for Interactive Mobile App
- Liberty Mutual – Best for Optional Coverage
- State Farm – Best for Competitive Pricing
- Nationwide – Cheapest for Basic Coverage
- Progressive – Best for Organized Customers
- Travelers – Best for Multiple Customer Service Support Channels
- Farmers Insurance – Best for Non-Smokers
Allstate: Best for Interactive Mobile App
Allstate’s monthly cost of renters is similar to the national average, but if you bundle auto insurance, customers may pay as little as $4 per month for renters insurance.
And, with Allstate’s state-of-the-art mobile technology and ease of access to policy information on the mobile app, it makes customer service functions for consumers on the go easy and user-friendly. Customers in any part of the state of Kansas can access policy information, pay a bill or report a claim on the app. The Allstate Digital Footprint section of the mobile app lets clients see the type of information companies may collect about you and how it is used.
The website is loaded with educational tools making information easily accessible.
These customer service options put Allstate at the top of our list for Best Overall Digital Customer Service.
Read a full Allstate renters insurance review.
| J.D. Power (out of 1,000) | 837 |
|---|---|
| A.M. Best - Financial Strength Rating | A+ |
| NAIC Complaint Index | 2.05 |
| BBB | A- |
Liberty Mutual: Best for Optional Coverage
Liberty Mutual tenants’ in cities like Garden City may be inclined to seek out Liberty Mutual due to a variety of coverage options. Tenants can choose options that allow the consumer to build the coverage protection they need and only pay for the coverage they choose. For example, jewelry coverage can be purchased as a blanket jewelry coverage with a no deductible option or up-front appraisal, or choose insurance per piece of jewelry depending on the need.
Life events that occur over time can be managed with the Liberty Mutual online platform making it easy for customers to review coverages and make changes on their own when necessary.
We choose Liberty Mutual for the best coverage options even for small towns like Ashland since you can choose to add or remove coverage options on your own or reach out to the company directly for help.
Read a full Liberty Mutual renters insurance review.
| J.D. Power (out of 1,000) | 834 |
|---|---|
| A.M. Best - Financial Strength Rating | A |
| BBB | A+ |
| NAIC Complaint Index | 2.37 |
State Farm: Best for Competitive Pricing
State Farm is a top insurance company in the state of Kansas. However, nationally they do have a slightly higher than average claims complaint rate across all insurance products. However, cities in Kansas like Wellington or Goodland may find State Farm does great on claims and they are a competitive insurance company for renters' policies.
State Farm offers affordable coverage choices, limit options, and flexible endorsements to increase or restrict coverage for budget-conscious consumers.
Prospective renters who have a rare collection of items, or unique personal property like a vintage pair of sneakers still find State Farm affordable and competitive.
The competitive pricing edge is given to State Farm due to the flexible overall pricing their renters policy offers as you may save up to 17% on your renters and car insurance bundle.
Read a full State Farm renters insurance review.
| J.D. Power (out of 1,000) | 836 |
|---|---|
| A.M. Best - Financial Strength Rating | A++ |
| BBB | A+ |
| NAIC Complaint Index | 1.77 |
Nationwide: Cheapest for Basic Coverage
Tenants who are first-time purchasers of renters insurance, own limited personal property or have a small risk for liability should review the Nationwide coverage. Consumers with minimal coverage needs can find basic renters policy cheaper.
Nationwide has a tool to help you create a home inventory to value your personal property and determine the amount of personal property coverage you need. Multi-policy discounts at Nationwide can make the cost of renters insurance as low as $15-$20 per month if you bundle the auto.
Read a full Nationwide renters insurance review.
| J.D. Power (out of 1,000) | 859 |
| A.M. Best - Financial Strength Rating | A+ |
| BBB | A+ |
| NAIC Complaint Index | 0.04 (Very Low) |
Progressive: Best for Organized Customers
Choosing to quote your insurance in advance or get a quote before moving into your new rental residence may give Kansas insurance shoppers in both Topeka and small communities like Garnett a substantial discount. Progressive discounts focus on the shopper being organized about purchasing renters insurance.
Convenience for the customer is the benefit Progressive offers with discounts policy documentation via email.
Many companies offer a discount for a monthly bank draft, Progressive goes another step by offering a pay-in-full discount, too, for those organized insurance shoppers.
Read a full Progressive renters insurance review.
| A.M. Best - Financial Strength Rating | A+ |
|---|---|
| NAIC Complaint Index | 1.66 |
Travelers: Best for Multiple Customer Service Support Channels
Travelers have been a staple in the insurance industry since 1853. Excellence in service support, ease of access to file a claim and a company that continuously updates technology tools is a summary of Travelers. Travelers does best in this category by offering multiple support channels for sales and service of all lines of insurance in Kansas City or Shawnee Mission.
The website offers an online quote process where shoppers can also purchase a policy, review videos on YouTube about coverages, and buy online. Then, with over 400 insurance agencies in Kansas, customers can easily find a local agent in or close to their community for future support. Travelers leads our list for their ease of access and options for communication channels.
Read a full Travelers renters insurance review.
| J.D. Power (out of 1,000) | 801 |
|---|---|
| A.M. Best - Financial Strength Rating | A++ |
| BBB | A |
| NAIC Complaint Index | 3.88 |
Farmers Insurance: Best for Non-Smokers
Every insurance company has discounts and unique features that draw insurance shoppers to their product. Farmers uses one discount as a preventive measure for both fire and liability. By offering a non-smoking discount for renters the company can also reduce the claims that may be filed on a policy.
The chance for fire with a smoker is higher than a nonsmoker, and if a tenant lives in an apartment complex, the liability is higher for smokers as damage to multiple units may increase the claim loss. But, with Farmers, service and affordability are not far behind the discounts so tenants in Lawrence benefit even if they are smokers. Tenants looking for renters insurance can purchase a policy online, receive their documents via email, and request a local agent for ongoing service and claims support.
Read a full Farmers renters insurance review.
| J.D. Power (out of 1,000) | 831 |
|---|---|
| A.M. Best - Financial Strength Rating | A |
| BBB | A- |
| NAIC Complaint Index | 0.56 |
| Company | PropertyNest Rating | J.D. Power (out of 1,000) | A.M Best Rating | BBB Rating |
|---|---|---|---|---|
| Lemonade | 5.0 | 853 | Not Rated | B+ |
| Allstate | 5.0 | 837 | A+ | A- |
| Liberty Mutual | 4.5 | 834 | A | A+ |
| State Farm | 4.5 | 836 | A++ | A+ |
| USAA | 4.5 | 886 | A++ | A+ |
| Erie Insurance | 4.5 | 851* | A+ | A+ |
| Travelers | 4.0 | 801 | A++ | A |
| Amica | 4.0 | 854* | A+ | A+ |
| Nationwide | 4.0 | 859 | A+ | A+ |
| Jetty | 4.0 | Not Rated | A | A+ |
What are the Key Coverages for Renters Insurance?
Personal Property
Personal property is defined by insurance as clothing, furniture, kitchen items, and other personal belongings, like a bike, laptop, and jewelry. As a renter, be diligent in asking questions about coverage restrictions. If you have high-end valuables or unique items, renters insurance may not provide adequate coverage in a basic insurance policy.
Liability Coverage
Liability coverage is designed to protect you from another person or business that believes you are liable for an accident, injury or other event. Liability coverage defends you when someone does want payment for bodily injury or property damage incurred in that event. There are a variety of limits available, and we recommend choosing a high limit as the cost is relatively inexpensive to purchase more than the minimum of $100,000 usually offered.
Medical Expenses
This expense category is meant to pay small claims if someone has an accident on your property and wants you to cover the hospital or bodily injury damages. You don’t have to be found at fault in court to have this coverage paid to someone else for the accident. The coverage limits are low, so ask for the highest available, as this coverage is relatively cheap for increased limits.
Additional Living Expenses (Loss of Use)
This coverage is big benefit. It applies after a claim or loss and can reimburse additional expenses you incur when your home is uninhabitable for a period of time due to a covered loss and you and your family must live somewhere else while the repairs are made.
Actual Cash Value(ACV) or Replacement Cost (RC)
Most basic policies include actual cash value as the determination for payment of damaged personal belongings in a loss. make sure you request the replacement cost option for your personal property. Replacement cost means that if your 10-year-old couch is damaged in a fire, the insurance company will pay the cost to replace it with a new one, not a comparable 10-year-old one. You may pay a few dollars more over the year for this coverage, but it is well worth the extra premium.
Conclusion or Synopsis
The PropertyNest team encourages all tenants to purchase renters insurance and protect their personal property. If a catastrophic event occurs, you have peace of mind there is an insurance company with integrity to navigate the loss and help you recover.
Consider getting several renters insurance quotes to compare pricing and coverage options. Remember, parts of Kansas are prone to river flooding, so consider asking your insurance professional about optional flood insurance, too.
Methodology
How We Selected the Best Renters Insurance in Kansas
Experts in the insurance field spend hours reviewing companies across the country and in Kansas to find the top companies for renters insurance. We review websites and talk to other professionals and customers when gathering details to offer solid information for decision-making. We include factors like pricing, coverage options, discounts available, and the customer service experience before we choose our best insurance companies for renters.
Read our full renters insurance methodology.
Pricing
Kansas renters insurance is similar in pricing to the current market place. So we look for our top companies to offer affordable rates in all areas including big cities like Olathe or smaller communities like Tribune.
Coverage options
Optional coverage or add-ons’ are key to tenants in largely populated areas like Overland Park and residents in small communities like Silver Lake , so we chose companies with the broadest coverage options available.
Discounts
Not all discounts are created equal, so we choose companies that offer a large variety of discounts at all policy levels.
Customer Service Support
Technology, people, and claims support are necessary to provide service for a renters policy so we focused on companies that highlight all factors of excellent service.
