7 Best Renters Insurance Companies in Kansas of 2023

Read about our best renter's insurance company choices in Kansas as reviewed by our experts on coverage options, cost factors, and cost savings just for you.
Kansas City

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

Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Allstate Renters Insurance Discounts

  • Multi-Policy Discount: Renters insurance is as little as $4 per month when you bundle.
  • Easy Pay Plan: A discount for electronically making your monthly renters' insurance payments.
  • 55 & Retired Discount: Fully retired tenants not seeking employment are eligible for up to 25% discount off their renters' premiums.

Allstate Renters Insurance Pros and Cons

  • Client customer service options are easy to navigate.
  • Privacy and security features in the mobile app help keep customer information safe.
  • Consumers in retirement are eligible to receive a special discount option.
  • Optional coverages available are affordable add-ons.
  • Prospective renters may find online purchasing does not meet expectations.
  • Coverage internal limits are low or restricted on certain types of property.
  • Local agents may not be available in every city.
How is Allstate Renters Insurance Rated?
J.D. Power (out of 1,000)837
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index2.05

Liberty Mutual: Best for Optional Coverage

Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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.

Liberty Mutual Renters Insurance Discounts

  • Multi-Policy: Liberty Mutual offers a discount if you insure your car or other policies with their company.
  • Early Shopper: The farther out you get a quote before you need coverage the better the discount will be up to approximately 30 days before purchase.
  • Claims-free: No claims in the recent past, and a discount is given.
  • Online purchase: Buy online and receive an additional discount.
  • Preferred Payment: Automatic monthly bank draft discount.

Liberty Mutual Insurance Pros and Cons

  • Claims service marks are above average and can be completed with an online process or mobile app.
  • Clients can make their coverage changes online to their policy.
  • Liberty Mutual has a variety of coverage options, limits, and deductibles to design the policy that matches a prospective tenant’s renters policy needs.
  • Coverage options are designed for flexibility to meet specific or unique needs.
  • The website description of coverage options is limited and continuously directs you to a quote platform screen.
  • Personal liability protection defense costs are included in policy limits.
  • Local agent access may be limited.
How is Liberty Mutual Renters Insurance Rated?
J.D. Power (out of 1,000)834
A.M. Best - Financial Strength RatingA
NAIC Complaint Index2.37

State Farm: Best for Competitive Pricing

Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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.

State Farm Renters Insurance Discounts

  • Bundling: Bundle a second insurance policy, like an auto, and get a discount.
  • Home Alert Protection Discount: Burglar, fire, and safety alarm discounts.
  • Deductible Choices: Deductibles are not a true discount, however with State Farm, they can positively impact the premium by choosing a higher deductible.

State Farm Renters Insurance Pros and Cons

  • An option for up to a $1 million of liability coverage is available.
  • Premiums are similar to the national average.
  • Customer service surveys show State Farm above average.
  • A mobile app for consumers in every line of insurance including renters.
  • There isn’t an option for completing a property inventory on the mobile app.
  • Discounts are minimal which may impact the choices made in coverage or limits to remain competitive.
  • A minimum requirement for property coverage of $10,000.
How is State Farm Renters Insurance Rated?
J.D. Power (out of 1,000)836
A.M. Best - Financial Strength RatingA++
NAIC Complaint Index1.77

Nationwide: Cheapest for Basic Coverage

Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Nationwide Renters Insurance Discounts

  • Multi-policy: Choose to buy your car or umbrella insurance or any other second line of insurance with Nationwide and secure a discount on renters.
  • Protective Devices: Most commonly offered are discounts for a smoke detector, and fire or burglar alarms.
  • Claims-Free: Each year you go without a claim can keep your renters premium from going up.
  • Online automatic payment and paperless documents: Discounts that add up.

Nationwide Renters Insurance Pros and Cons

  • Offers a cheap basic renters insurance policy.
  • National insurer with coverage are available in all 50 states.
  • Customer service options include online, call center and local agent.
  • Upgrades to security do not create additional discounts.
  • Electronics equipment like laptops or mobile devices may require additional coverage.
  • Pricing for optional coverage riders may be higher than the national average in Kansas.
How is Nationwide Renters Insurance Rated?
J.D. Power (out of 1,000)859
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index0.04 (Very Low)

Progressive: Best for Organized Customers

Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Progressive Renters Insurance Discounts

  • Quote in Advance: Smart shoppers who quote renters at least 30 days before expiration or when needed get the cheapest rate with Progressive.
  • Policy documents sent by email: Online document delivery by email for a discount.
  • Pay in Full: An annual premium paid on time.
  • Single Deductible Benefit: If you have both your car and renters insurance with Progressive and have a common claim, one deductible applies for both policies.
  • Multi-Policy: A car insurance policy with Progressive reduces the renters premium.
  • Secured or Gated Community: Security features that can prevent theft are rewarded with extra discounts.

Progressive Renters Insurance Pros and Cons

  • Secure coverage online, with a call center, or a local agent.
  • An online personal property calculator helps decide how much coverage you need.
  • Extra coverage is available for bicycles, camera, projection equipment, and other specific property with some exclusions.
  • A no deductible option when you add a rider for specified property.
  • The highest limit for personal property coverage is $500,000.
  • Restriction on coverage for theft of certain personal property unless you add a rider.
  • Local agent options may be limited in smaller communities.
How is Progressive Renters Insurance Rated?
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index1.66

Travelers: Best for Multiple Customer Service Support Channels

Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Travelers Renters Insurance Discounts

  • Loss-Free: A recent history of being claim-free reduces the annual premium.
  • Protective Devices: Smoke detectors and other theft-related security devices offer discounts.
  • Multi-policy: Bundling auto insurance with Travelers can reduce the renters premium.
  • Deductible Choice: Higher deductible options can lower the premium, especially with Travelers.

Travelers Renters Insurance Pros and Cons

  • Get answers to your questions through a local agent, online or call center support 24/7.
  • The website offers educational tools including home inventory programs to value your personal property.
  • One of the top 10 largest insurance carriers offering renters insurance policies.
  • Financial stability to pay claims on time as required by the state of Kansas.
  • May need to add additional coverage for items like laptops, mobile devices, or jewelry.
  • The minimum for personal property coverage may be higher than other companies offer for basic coverage.
  • A “green” building environmental status does not mean a discount for a renters policy.
How is Travelers Renters Insurance Rated?
J.D. Power (out of 1,000)801
A.M. Best - Financial Strength RatingA++
NAIC Complaint Index3.88

Farmers Insurance: Best for Non-Smokers

Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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.

Farmers Insurance Renters Discounts

  • Non-Smoker: No smoking for two consecutive years reduces the annual premium.
  • Multiple policies: Add a second policy with Farmers for more discounts.
  • Security System or Fire Alarm: An approved electronic security system or fire alarm provides more discounts.

Farmers Renters Insurance Pros and Cons

  • A non-smoking status for 2 years is a recognized discount.
  • Pricing is affordable with an option to purchase online.
  • Multiple customer service channels including a local agent.
  • Claims service scoring very high and financial stability solid.
  • Lack of discounts available.
  • Adding optional coverages may reduce competitive pricing.
  • Website has minimal information devoted to renters insurance.
How is Farmers Renters Insurance Rated?
J.D. Power (out of 1,000)831
A.M. Best - Financial Strength RatingA
NAIC Complaint Index0.56
Compare Renter Insurance Company Ratings
CompanyPropertyNest RatingJ.D. Power (out of 1,000)A.M Best RatingBBB Rating
Lemonade5.0853Not RatedB+
Liberty Mutual4.5834AA+
State Farm4.5836A++A+
Erie Insurance4.5851*A+A+
Jetty4.0Not RatedAA+

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.


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.


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.


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.

Laurie VanderWal
About the author

Laurie VanderWal is a licensed insurance professional with 35+ years of experience. She is a Subject Matter Expert (SME) in property/casualty and cyber insurance. She has written a nationally accredited education course portfolio for insurance professionals and businesses on ethics, leadership, and the rapidly changing technology culture. Laurie VanderWal graduated from Bellevue University with a master's degree in Management.