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 Of Renters Insurance In Wichita 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.

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.