Cheapest & Best Renters Insurance In Wichita 2025

State Farm has the cheapest renters insurance in Wichita, KS, with an average monthly premium of around $10. But if you’re after better customer support and broader coverage, Farm Bureau is a solid pick—even though it costs a bit more at roughly $15 per month.

Known as Cowtown, Wichita experiences close to 18,000 property crimes each year, affecting about 47 out of every 1,000 residents. Given the city’s crime rate and potential natural disasters, having renters insurance is a smart move. It helps protect your personal items and offers financial security along with peace of mind.

Cheapest Renters Insurance Companies In Wichita

If you’re looking for low-cost renters insurance in Wichita, State Farm has the most affordable rates, averaging around $10 per month. To make it easier to weigh your choices, the table below highlights the five cheapest insurance providers in the area.

Best Renters Insurance Companies In Wichita

If you’re renting in Wichita and want budget-friendly insurance, State Farm is definitely worth considering. Still, the lowest price doesn’t always mean the best value. In my view, Farm Bureau takes the lead overall. They deliver top-notch customer service and a wide range of coverage options. Plus, they include features like contents replacement cost and scheduled personal property coverage, which makes them one of the top picks in the city.

Average Cost Of Renters Insurance In Wichita

On average, renters in Wichita pay around $23 each month—or roughly $276 a year—for insurance. That said, your actual premium could be higher or lower depending on things like your coverage amount, where you live, your deductible, and how each insurer sets its rates. The table below shows a side-by-side comparison of average prices from five leading providers in the area.

Average Cost By Deductible

A deductible is the amount you pay out of pocket before your renters insurance covers the rest of a claim. Picking a higher deductible usually lowers your monthly premium, while a lower deductible often leads to higher monthly payments. The table below shows how renters insurance rates in Wichita vary depending on the deductible you choose.

Factors That Impact Renters Insurance Costs In Wichita

The cost of renters insurance in Wichita can vary depending on several things:

Your Deductible: Choosing a higher deductible means you’ll pay less each month, but you’ll have to cover more out of pocket if you file a claim. A lower deductible usually leads to higher monthly payments.

Your Credit Score: Insurance companies often check your credit. If your score is low, you’ll likely end up paying more for coverage.

Coverage Options: Plans that include extra protection, like replacement cost coverage or identity theft coverage, usually come with a higher price tag.

Location Risks: If your neighborhood is known for frequent crime or is prone to weather issues like floods, storms, or tornadoes, your insurance may cost more.

Home Safety Devices: You might get a discount if your rental has features like smoke alarms, sprinkler systems, or a home security setup that lowers risk.

Claim History: If you’ve filed several insurance claims in the past, insurers may see you as a greater risk and charge you more.

What Does Renters Insurance Cover In Wichita?

Renters insurance gives you important financial security by protecting you from a variety of risks. Most policies come with several essential types of coverage:

Medical Coverage for Guests

If someone gets hurt in your rental, this coverage can help pay their medical bills—usually up to $1,000 or $2,000—no matter who’s at fault.

Coverage for Your Belongings

This protects your personal items like clothing, electronics, and furniture if they’re damaged by fire, certain types of water leaks (not floods), or stolen.

Loss of Use (Temporary Living Costs)

If your place becomes unlivable because of a covered issue, this part of the policy helps with the cost of staying elsewhere, plus meals and other daily needs.

Liability Protection

If you accidentally hurt someone or damage their property, this covers the legal and medical costs that could come your way.

What Does Renters Insurance Not Cover In Wichita?

Although renters insurance offers solid protection, it doesn’t cover everything. Here are some common situations that a basic policy usually won’t include:

Pest Problems

Issues caused by pests like mice, termites, or bedbugs aren’t covered, since they’re viewed as maintenance concerns, not sudden damage.

Damage You Cause on Purpose

If you—or someone living with you—intentionally damage your rental or belongings, insurance won’t cover the costs.

Valuable Items Over the Coverage Limit

Standard plans often have dollar limits for high-cost items like jewelry, fine art, or rare collectibles. You’ll need a special rider or add-on to fully protect these.

Car Damage or Theft

Renters insurance doesn’t apply to your vehicle. You’ll need separate auto insurance to cover car theft or damage.

Earthquake Damage

If an earthquake hits and damages your rental or belongings, your renters policy likely won’t help—unless you’ve bought extra earthquake coverage.

Flood Damage

Flooding isn’t covered by typical renters insurance. Since Wichita has some flood-prone areas, especially near rivers, it’s smart to look into a separate flood insurance policy or an add-on.

Business-Use Losses

Running a business from your apartment? Most renters policies won’t cover your business tools or liability—you’ll need separate business coverage for that.

How Much Should Students Pay For Renters Insurance In Wichita?

Renters insurance in Wichita typically costs students between $15 and $27 per month, depending on the coverage they need. The final price is influenced by factors such as location, the value of personal items, and any extra coverage options.

Students who live off-campus often face higher premiums because their apartments are usually larger and present a greater risk. On the other hand, those living in dorms generally pay less, as shared housing is cheaper to insure.

Before selecting a policy, students should evaluate the value of their belongings. Standard renters insurance usually covers most items, but those with high-value electronics or other expensive possessions might need additional coverage. Bundling renters and auto insurance can also help students save money, as many insurers offer discounts for combining policies.

How Much Renters Insurance Do I Need In Wichita?

When choosing renters insurance in Wichita, the first step is to assess the value of your belongings. Standard policies typically cover between $20,000 and $50,000, which is enough for many renters. However, if you have expensive electronics, luxury furniture, or valuable jewelry, you might need extra coverage.

Another important factor to consider is liability protection. Most policies come with $100,000 in liability coverage, which helps cover legal and medical costs if someone gets injured in your rental. You can increase this limit for added peace of mind and financial protection.

Your deductible also plays a role in determining your policy cost. Opting for a higher deductible can lower your monthly premium, but you’ll pay more out of pocket if you file a claim.

Don’t forget about Additional Living Expenses (ALE) coverage, which helps pay for temporary housing and daily necessities if a covered event makes your rental uninhabitable.

Can Landlords In Kansas Require Renters Insurance?

Renters insurance isn’t required by law in Kansas, but many landlords in Wichita still make it a condition for signing a lease. This arrangement works in favor of both parties—tenants get protection for their personal belongings, while landlords lower their own liability risks.

In most Wichita apartment complexes, renters must show proof of coverage—usually by submitting a certificate of insurance or a copy of the policy declaration page. Some landlords also set minimum requirements, such as at least $100,000 in liability coverage. Failing to meet these terms might result in fees or even losing your rental agreement.

Even if your landlord doesn’t require it, having renters insurance is a smart move. With Wichita’s risk of severe weather like tornadoes and storms, a policy can offer peace of mind by protecting your stuff and covering unexpected legal or medical expenses.

Bundle Renters With Auto Insurance

Bundling your renters and auto insurance policies is a smart way to cut costs, with many insurance companies offering a discount, typically around 9% to 10%, for bundling. In Wichita, providers like Farmers and Farm Bureau are known for offering some of the most competitive bundling deals.

For renters who already carry auto insurance, bundling makes things even easier. Having both policies under one company can simplify your billing, make account management more convenient, and may unlock extra perks like flexible payment options or higher coverage limits.

That said, it’s important to shop around first. While bundling can save you money, not every provider offers the same value. Make sure both the auto and renters policies meet your coverage needs and are reasonably priced before committing.

Improved customer service and loyalty rewards are often added bonuses when you stick with one insurer, but be sure to read the fine print and compare your options carefully.

Common Causes Of Loss In Kansas

In Kansas, renters often face a variety of risks that lead to insurance claims—everything from theft and fires to storms and severe winter weather. Being aware of these common threats can help you choose a renters insurance policy that gives you the protection you actually need.

Water Damage

Plumbing problems, like broken pipes or roof leaks, can cause expensive damage to your personal items. Standard renters insurance usually covers these types of internal water issues. However, damage from flooding is a separate issue and typically requires its own flood insurance policy.

Tornadoes and Storms

Kansas is well-known for tornadoes, hail, and high-wind storms. These weather events can cause major property losses. Thankfully, most renters insurance policies do cover damage caused by windstorms and tornadoes.

Theft

Wichita alone sees about 18,000 property crimes each year, with around 60,000 incidents reported across the state. Renters insurance helps replace stolen items and can even offer liability coverage if someone is hurt during a break-in. Keep in mind, it won’t cover your car or physical damage to the building itself.

Fires

Fires, especially in apartment complexes, can spread quickly and destroy belongings. Renters insurance covers the cost to replace items lost in a fire, offering vital peace of mind.

Winter Weather

Kansas winters can be harsh, with heavy snow, ice storms, and freezing temperatures. While many renters policies include general storm damage, extreme winter conditions may require extra coverage depending on the situation.

Flooding

Standard renters insurance doesn’t include flood protection, even though flooding is a known risk in Wichita. Consider buying a separate flood policy or an add-on through providers like State Farm or Farm Bureau, which offer affordable flood insurance options.

Other Covered Situations

Many policies also protect against vandalism, some accidental damage, and other natural disasters. These added protections offer a financial cushion in case the unexpected happens.

By understanding what risks are common in your area, you’ll be better prepared to choose renters insurance that gives you solid, all-around protection.