Renters Insurance

We work with all of the major insurance carriers in Kansas who offer renter’s insurance to consumers. From the comfort of your home or office you can compare policies and get quotes from several different insurance companies. Our friendly and professional staff is available 24 hours a day, 7 days a week to assist you in finding the most comprehensive renter’s insurance policy for the best possible price. Let us help you take the guesswork and confusion out of buying Kansas renter’s insurance. You can then relax knowing that your personal property and valued possessions are adequately covered in the event of theft, fire, and a host of other possible disasters.

Why You Need Renters Insurance in Kansas
If you live in a rental property in Kansas, you may already be aware of the importance of having renter’s insurance. A comprehensive renter’s policy protects your personal property against damages and loss in the event of fire, theft, or natural disaster. It can also provide liability coverage in the event a visitor to your home or apartment injures themselves. Many people don’t think about the consequences of this happening, but unfortunately accidents do occur. Without the proper liability coverage, you can be sued for damages. This can put your income, your savings, your personal property and even your future wages at risk.

You need only look back on the past few years of weather-related disasters in Kansas to appreciate the importance of having renter’s insurance coverage. The average renter’s insurance policy costs between $200 and $300 for an annual premium. This breaks down to around $18-$25 per month, depending on the value of an individual’s personal belongings, where the rental property is located, and other factors. In the scheme of things, this is really a bargain. For this price you can normally get $30,000 of personal property coverage along with $100,000 of liability coverage.

Common Misconceptions about Renters Insurance
There are many reasons people decide not to purchase renter’s insurance. Unfortunately, most of the explanations given are not based on fact. Following are some common misconceptions along with the actual truth about renter’s insurance:

Misconception: My landlord’s insurance covers my personal property.
Truth: The landlord’s homeowner policy covers the structure where you live and the land on which it is built. All of the personal property located within the rental unit is the sole responsibility of the renter when it comes to insurance coverage.

Misconception: Renter’s insurance is expensive.
Truth: A typical renter’s insurance policy will cost about $20 a month. That’s the equivalent of about 5 gourmet coffee drinks or 2 movie tickets. Considering the protection it provides, renter’s insurance is a great buy.

Misconception: I have a roommate who has renter’s insurance so I don’t need it.
Truth: Renter’s insurance does not automatically cover a roommate.

Misconception: I live in a nice neighborhood and don’t have to worry about break-ins.
Truth: While no one like to think of being victimized by a thief or vandal, statistics bear out that these crimes do occur no matter where you live. Also consider that weather-related damage can happen suddenly and with great force. The average renter’s policy covers damages and loss due to lightning, ice, snow or hail. It also covers fire. Would you be able to fully replace all of your valued possessions if they were damaged or lost? For most people, the answer is an emphatic “no”.

If you live in an area that is prone to earthquakes or floods you should check with your agent when writing up your renter’s policy. These two natural disasters are generally not included in an average policy but coverage can be added at an additional cost.

Some Ways To Save
As you’ve already discovered, Kansas renter’s insurance is very affordable. Here are more ways to save on an annual renter’s insurance premium:

  1. Choose a higher deductible. This will lower the overall cost of a policy.
  2. If they aren’t already present, install smoke alarms, deadbolt locks and a security system in your rental property. Having these safety features will generally give you a discounted price on your annual premium.
  3. If you qualify, ask about discounts for seniors (55+), AAA membership, or other organizational discounts.
  4. Some insurance companies offer savings to non-smokers. Find out about this possibility.