Who Has the Cheapest Renters Insurance Quotes in Kansas?

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This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

Article Approved By Banking Expert

This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

There’s plenty of space in Kansas, but there are also plenty of homes and apartments built on these majestic plains. And where there are apartments, there are unfortunately, events which could ruin your place (fires, crime, tornadoes, etc.) and leave you without anywhere to stay or missing your valuable possessions. To prepare yourself for these possibilities, we want you to consider getting renters insurance, which will help easily get back to where you were before such an event.

Here are the five cheapest renters insurance providers operating in Kansas:

The Five Cheapest Quotes:

What you will read below will be the general notes and impressions about each company, but we also understand that every person’s final quote and experience will be a little different. That being said, we’re confident that you’ll find a great fit among the following providers.

The number listed next to each provider is the average annual rate for a standard policy.

1) State Farm: $189

Quite noticeably the cheapest provider operating in Kansas, State Farm is a company that provides insurance (of all types) to millions across the country, and with that infrastructure can also often offer people the cheapest rate. This is true for Hawaii, and it makes State Farm renters insurance a great choice for those looking to fulfill a requirement or those who simply want basic insurance to provide a rudimentary safety net.

However, as with all things, you will in part get what you pay for, and you might not get the customer service experience you would get from a more premium insurance provider. Additionally, while this isn’t as large a factor in Kansas, their water damage coverage is somewhat lacking.

You can expect the following working with State Farm:

  • Additional bundling options and other discounts available to those who qualify.
  • Great expensive items coverage for your most important belongings.
  • Some customization options despite the relative simplicity of their plans.

2) Nationwide: $283 

A company that is used to being known as one of the better providers in the country, Nationwide is a bit of a jump beyond State Farm in terms of price, but makes up for it easily with a wide array of customization options (you can change the amount of coverage you get per item group, or even in some cases change your deductible) and great services and bundling options.

There are downsides to every company, and for Nationwide they mostly involve default coverages for certain groups of items. This can be fixed, but there’s a cost to that.

You can expect the following working with Nationwide:

  • An excellent customer service team trained to deal with almost any situation.
  • An optional annual assessment offered at no cost to make sure you’re getting the best deal Nationwide can give you.
  • A great level of financial strength to ensure that all claims are processed and paid out on time.

3) Liberty Mutual: $369

An excellent all-around provider of renters insurance that will protect you from nearly every common risk, Liberty Mutual can be expensive for some, but is also a provider of plans that offer high levels of coverage across the board, no matter what you own or what caused the problem. If you’re still worried, you can still get additional coverage when it comes to water and sewage backup, jewelry, electronics, identity theft, high-value items, and more.

The main issue to watch out for is bundling. You’ll get a great deal, but you may not like what you get in terms of service in their other departments. This isn’t universal but does warrant caution.

You can expect the following working with Liberty Mutual:

  • Partnerships with many organizations that open up discounts for members of those partnered organizations.
  • Excellent online features and services.
  • The stability of a large organization, ensuring you’ll never be plagued by internal difficulties.

4) Allstate: $390

The fourth cheapest provider in Kansas (even though this isn’t much of a consolation, given the other providers’ prices) is Allstate, another mainstay and common name in the insurance industry across the nation, and a great choice for people looking for simple coverage. They can get you onboard and worry-free quickly and with few hassles along the way.

Unfortunately, customer service takes a hit for their usually low prices, and your customization options might not be as numerous as with other companies.

You can expect the following working with Allstate:

  • Great water damage coverage if you are worried about plumbing issues.
  • Bundling and additional insurance options for nearly everything you might need covered.
  • Additional identity theft protection, flood insurance, and umbrella coverage options.

5) Farmers: $475

Our last and most expensive choice is Farmers, and whether you will be willing to pay a premium for excellent service is up to you, but you will be able to trust them to provide excellent customer service, and less frustration is something many of us put a high price on. This and the options they provide make them a great provider, and one worth your attention.

There aren’t too many problems to expect when working with farmers, but you will want to be careful about checking the default coverages. You may also have a little bureaucratic legwork to deal with, depending on your situation and your preferences.

You can expect the following working with Farmers:

  • A very helpful customer service team that will happily address any questions you might have.
  • A range of optional coverages. These include pet damage coverage, personal article floaters, and identity theft coverage.
  • A deductible that you can customize yourself, allowing you a greater deal of control over both your plan and your final annual rate.

Conclusion

As great as life can be there, disaster can strike at any time for a Kansas apartment dweller and we want you to both be prepared and to not be worried about your future, both short-term and long-term. Getting renters insurance will only take you part of your day at most, even if you do want to perform more research. We hope you make it a priority and find your match soon, and we also wish you the best of luck with your future policy.

 

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