Is renters insurance required in Kansas?
Kansas law does not require renters insurance, but your landlord or building management company may mandate a renters policy before you can move in. Even if you're not required to carry renters insurance, a renters policy is generally affordable. It may cover your belongings against certain perils. It may also pay for you to live elsewhere if you're unable to stay in your residence while it's being repaired or rebuilt due to a covered loss.
Kansas renters insurance coverages
Check out the four standard coverages on nearly all Kansas renters insurance policies:
- Personal property protects your personal belongings, including furniture, clothing, and electronics.
- Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
- Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
For tenants renting apartments, condos, or homes, the best renters insurance in Kansas is always a policy with customized coverage limits. Here are some extra options for when you need more protection:
- Certain valuable items, like jewelry, art, and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
- Personal injury: May pay for legal fees and damages if you’re liable for slander or defamation.
- Water backup: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water backup coverage may pay for the damage to your belongings and water removal costs.
Learn more about renters insurance coverages.
Common claims in Kansas
The most significant threat to homes in Kansas is a tornado. The state has seen an average of 112 tornadoes per year in recent years. Other causes of damage include hail, lightning, and heavy rains. Your Kansas renters insurance policy may pay for damaged personal belongings from a covered peril up to your policy's limits (minus your deductible).
Floods are a threat to anyone who lives near a large body of water, such as the Kansas River or the Cheney Reservoir. Heavy rains and rising water levels can lead to flooding. While renters insurance doesn't cover damage from flooding, a separate flood insurance policy may protect your belongings against flood damage.
Discounts on Kansas renters insurance
Progressive offers several discounts to help lower the cost of renters policies in Kansas, such as:
- Quote in advance
- Pay in full
- Secured/gated community
See more of our available renters insurance discounts.
What does Kansas renters insurance cost?
You can buy Kansas renters insurance for less than $1/day.* Many components influence the cost of renters insurance in Kansas, including your location and coverage limits. Learn more about renters insurance cost factors.