Kansas Renters Insurance: Cheap Quotes Online!

Windswept fields, beautiful plains and memories from childhood underneath wistful skies – Yep, people love Kansas, and there are plenty of reasons why.

If you’ve never been, peaceful landscape set under blue skies just make you feel like home, even if you’re not a fan of the plane states, there’s always plenty to love and you can’t deny the smell of the rock earth, the feel of nature all around you, and Kansas just being a great place to settle down with your family.

No matter how long you’ve been a renter in Kansas, the need for the top renter’s insurance policy can help you maintain that peaceful feeling of home while you’re in the state. Let’s talk about how premiums are determined, how policies are built and how we can help you find the right Kansas renters insurance policy.

Do I need Kansas renters?

In most cases, state laws don’t require you to have renters insurance, but your landlord may still want you to carry some. Landlords typically ask for at least $100,000 in property and liability protection when you move into their rentals. As you’ll see below, we typically recommend a good bit more.

You may find that you pay a little more in the state of Kansas due to high tornado activity. Kansas is one of the top three states for devastating potential tornadic activity in the United States, so the risk of damage to property is much greater, therefore slightly hiking premiums. Regardless, renters insurance is still affordable in Kansas.

How much does this cost?

Despite slightly higher premiums, you will still find renters insurance in Kansas is fairly affordable. At about $187 a year for an average policy cost, despite the tornadoes, you’ll still be paying right around $15 a month.

Many things go into what will determine your premium, including materials your home is built with as well as the age of the rental. Because of the proximity to a possible tornado, it makes sense that your home should be built from sturdy materials and be up to building codes in order to avoid damage.

Proximity to high crime areas and the potential for theft is also something that is considered. If you happen to be close to a business, the theft potential increases, so it makes sense that your premiums may be higher in this case.

Things like your credit score and your pets also matter. Premiums are generally slightly higher if your credit score is lower, and certain carriers have restrictions on different dog breeds due to the potential of a dog attack in your rental. When we quote average prices, sometimes it is difficult to narrow that price down to a person-to-person rate, because our customers are all so different in their needs. We work with all our customers to find the best premium regardless of their circumstances.

What kind of coverage do I need?

We typically recommend our customers get at least $20,000 in personal property insurance. This will cover any damages to personal belongings and includes everything from mattresses to furniture to clothing to electronics, to any personal property that belongs to you in your home.

We also recommend $100,000 for renters medical liability coverage. In the event that someone becomes injured in your home due to an accident or any other type of situation, if you’re found legally medically liable for their bills, this part of your renters protection will cover you.

We also recommend $1000 Loss of use coverage. This will allow you to pay for any expenses you might incur if you lose access to your home for any reason and need to do things like eat prepared meals out of the home, etc.

Here are some of the major Kansas metro areas we serve:

  • Atchison
  • Edwardsville
  • Bucyrus
  • Elwood
  • Gardner

What do you cover?

Tornadoes, tornadoes, tornadoes. This is going to be one of your biggest risks in Kansas when it comes to natural disasters or acts of God. A tornado can wipe out a property, which of course includes your personal belongings – and could also cause significant injury to people who hunker down in your home when the tornado happens.

It isn’t just about tornadoes though – when bad weather strikes, it can also be in the form of a severe thunderstorm, hail, or winter weather that cripples a particular area. When this happens, there is still potential for medical liability or loss of property due to damage to your home. In any catastrophic weather event, we are typically able to give you the right protection to make sure your belongings can be replaced.

Also, don’t forget to talk to us about replacement cost vs. actual cash value for your policy to address depreciation in your item value.

Are discounts possible?

Carriers love working with customers to take out different insurance lines with them. If you’re shopping for other insurance besides renters, it makes a lot of sense to work with the same carrier so you can potentially get a bundle discount.

There are other discounts to look at as well. When you pay for your insurance a day in advance of when the policy starts, especially if you pay in full, you can save a certain percentage off your total premium.

Remember that when you are quoted, you will be given an annual premium that is broken down into one monthly payment. This will allow you to experience maximum cost savings, so if you’re buying different types of insurance at once, the bundled payment could also apply to your other lines as well.

Get Kansas renters insurance quotes

An Insurance Geek, working with Kansas customers allows us the opportunity to provide great service, help customers save over time, and meet the renters insurance protection needs of your family. When you just fill out one form, we come back to you with a variety of quotes that allow you to choose the best situation for you and your family at the best possible protection. Let’s figure out how can this renters insurance policy can work for you and your family.

We won’t ring your phone off the hook when you work with us – we’ll simply provide you the best protection at rates you can manage. Let’s work together to get you covered today.