Cheapest & Best Renters Insurance In Kansas City 2025
Farm Bureau offers the most affordable renters insurance in Kansas City, KS, with an average monthly rate of around $7. However, when considering overall value, State Farm is the top choice in the region.
We’ve saved shoppers an average of $200 per year on their renters insurance.
Farm Bureau offers the lowest-cost renters insurance in Kansas City, KS, with an average monthly premium of about $7. However, if you prioritize strong customer service and support from local agents, State Farm is a great option, though it costs around $16 per month.
Kansas City (KCK) sees nearly 4,000 property crimes annually, impacting roughly 24 out of every 1,000 residents. With crime rates and the risk of natural disasters, renters insurance is a wise investment. It safeguards your belongings while providing financial protection and peace of mind.
Cheapest Renters Insurance Companies In Kansas City
If you’re searching for affordable renters insurance in Kansas City, Farm Bureau provides the lowest rates, averaging about $7 per month. To help you compare options, the table below lists the five most budget-friendly providers.
| Company | Average Monthly Cost |
| Allstate | $13 |
| Farm Bureau | $7 |
| Shelter | $10 |
| State Farm | $16 |
| Nationwide | $11 |
Best Renters Insurance Companies In Kansas City
For renters in Kansas City looking for affordable insurance, Farm Bureau is a great choice. However, the cheapest option isn’t always the best when it comes to coverage and service. In my opinion, State Farm stands out as the best overall provider. They offer outstanding customer service and have dependable local agents to help you secure the right coverage. Plus, State Farm includes flood coverage with renters insurance—something many insurers don’t offer—and provides valuable bundling options for auto and renters insurance.
| Company | Average Monthly Cost |
| State Farm | $16 |
| Progressive | $20 |
| Farmers | $27 |
| Amica | $18 |
| American Family | $24 |
Average Cost Of Renters Insurance In Kansas City
Renters in Kansas City generally pay about $21 per month or $252 per year for insurance. However, your exact cost may vary based on factors such as coverage limits, location, deductible, and the insurer’s pricing structure. The table below compares average rates from five top providers in the city.
| Company | Average Monthly Cost |
| American Family | $27 |
| State Farm | $19 |
| Farm Bureau | $10 |
| Farmers | $30 |
| Amica | $20 |
Average Cost Of Renters Insurance In Kansas City By Deductible
A deductible is an amount you’re responsible for paying out of pocket before your renters insurance kicks in to cover a claim. Choosing a higher deductible can lower your monthly premium, while a lower deductible typically means higher monthly costs. The table below illustrates how renters insurance rates in Kansas City change based on different deductible options.
| Deductible Amount | Average Monthly Cost |
| $250 | $21 |
| $500 | $21 |
| $1,000 | $19 |
| $1,500 | $18 |
| $2,000 | $16 |
Factors That Impact Renters Insurance Costs In Kansas City
Several factors impact the cost of renters insurance in Kansas City:
Coverage Limits: Policies with more extensive coverage or add-ons like replacement cost coverage and identity theft protection generally cost more.
Home Safety Features: Installing security systems, smoke detectors, or sprinkler systems can reduce risks and may qualify you for discounts.
Deductible Amount: A higher deductible lowers your monthly premium, while a lower deductible increases costs since the insurer takes on more risk.
Claim History: If you have a history of multiple claims, insurers may classify you as a higher-risk policyholder, leading to higher rates.
Location: Areas with high crime rates or frequent natural disasters—such as tornadoes, floods, and winter storms—often have higher insurance premiums.
Credit Score: Many insurers factor in credit scores when determining rates, with lower scores typically resulting in higher premiums.
Common Causes Of Loss In Kansas
Renters in Kansas frequently file claims for theft, fire, water damage, storms, and tornadoes. Knowing these risks can help tenants select the right coverage to protect their belongings and finances.
Theft
Kansas City reports around 4,000 property crimes annually, with 60,000 occurring statewide. Renters insurance is essential, covering stolen belongings and even liability if someone is injured during a break-in. However, damage to vehicles or the rental unit itself is usually not included.
Fire
Fires, especially in multi-unit buildings, can spread rapidly and cause severe damage. Renters insurance helps replace personal belongings lost due to fire.
Tornadoes and Severe Storms
Kansas experiences frequent tornadoes and powerful windstorms, leading to major losses. Most renters insurance policies cover damage from these events, providing crucial protection.
Water Damage
Leaks from plumbing issues, burst pipes, or roof problems can result in costly damage. Standard renters insurance covers internal water damage, but flood-related damage requires separate coverage.
Floods
Kansas City is prone to flooding, but standard renters insurance does not cover flood damage. Purchasing a separate flood insurance policy is a smart way to stay protected. State Farm offers affordable flood coverage add-ons with its renters insurance policy.
Winter Storms
Blizzards and ice storms pose winter hazards in Kansas. While renters insurance typically includes storm coverage, additional protection may be needed for extreme winter weather damages.
Other Covered Losses
Many policies also cover vandalism, accidental damage, and certain natural disasters, providing extra financial security.
By understanding these risks, renters can make informed decisions and choose a policy that offers comprehensive protection.
Our Methodology
To evaluate renters insurance providers, we focused on essential factors such as pricing, coverage options, claims processing, and customer service. Our research included gathering quotes from multiple insurers in Kansas City for standard policies with $20,000 in personal property coverage and $100,000 in liability protection.
We also assessed deductible options, coverage for specific risks like floods and earthquakes, and discounts for bundling renters and auto insurance. Customer satisfaction played a key role, with insights from J.D. Power and Consumer Reports helping us identify insurers with strong service and efficient claims handling.
Additionally, we considered Kansas City-specific risks, such as theft and water damage, which influence coverage needs. By analyzing these aspects, our guide provides a comprehensive comparison of renters insurance options in Kansas.
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About Bob Phillips
