How much is renters insurance in Kansas City, MO

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In Kansas City, renters insurance costs an average of $238 per year for $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible, which is $7 more than the statewide average of $231.

It can be higher or lower depending on the coverage limit you choose and the amount of liability the policy provides. If you rent, you should consider buying renters insurance because it protects your personal belongings from damage caused by covered perils such as fire or smoke damage, theft, vandalism and other mishaps.

Looking for affordable renters insurance in Kansas City? We’ve compared the top companies to help you find the cheapest options.

Key Takeaways

Renters insurance in Kansas City costs an average of $238 per year or $20 monthly.
State Farm offers the cheapest renters in Kansas City, with a monthly premium of $18.
Renters can save more on insurance by taking advantage of discounts, including those for having a security system or bundling policies.

What is the average cost of renters insurance per month in Kansas City?

On average, renters in Kansas City pay $20 per month for renters insurance, which is $1 more than the state average of $19. The policy includes $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

The cost of renters insurance in Kansas City varies depending on your insurance company and the coverage limit you buy. Renters in Kansas City typically pay $14 monthly for $20,000 in personal property coverage and a $1,000 deductible. If you decide to increase your coverage to $40,000, you’ll see an increase of $6 in your monthly premium.

Choosing higher coverage limits is a good idea if you own valuable items like jewelry, electronics, or furniture.

How much is renters insurance in Kansas City by deductible?

Renters insurance in Kansas City costs $189 per year for a $500 deductible and $20,000 in personal property coverage.

Your deductible is the amount you agree to pay before your insurance coverage kicks in. If you increase your deductible limit, your insurance cost will go down. For instance, if the personal property coverage is the same (e.g., $20,000) but you increase your deductible limit from $500 to $1,000, you will pay $16 less every year for insurance.

Below are the renters insurance rates for different personal property coverage and deductible amounts.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$189	$262	$327
$1,000	$173	$238	$297

Note: The liability protection coverage is $100,000.

Who offers cheap renters insurance in Kansas City?

Your search for the cheapest renters insurance company ends here.

State Farm offers the cheapest renters insurance in Kansas City at $220 a year or $18 per month. According to our data, Shelter Insurance ranks second on our list followed by Auto Club Enterprises (AAA).

Below are the average annual and monthly rates of the cheap renters insurance companies in Kansas City.

Renter insurance provider	Average annual rate	Average per month rate
State Farm	$220	$18
Shelter Insurance	$223	$19
Auto Club Enterprises (AAA)	$256	$21
Nationwide	$319	$27
Farmers	$359	$30
Allstate	$367	$31
American Family	$440	$37
USAA	$109	$9

Tips for reducing the cost of renters insurance

Here are some tips to help reduce renters insurance costs in Kansas City:

Bundle insurance policies. If you have other insurance policies, such as car insurance, consider bundling them with the same insurer. Many insurers offer discounts for bundling in Kansas City.

Increase deductible. Opting for a higher deductible can lower your premium in Kansas City, but make sure you’re comfortable with the amount you’d pay out-of-pocket in case of a claim.

Choose the right coverage. Review your policy regularly to ensure you don’t have extra coverage. For example, you might not need as much coverage for personal property if you don’t own many valuables.

Avoid small claims. Filing too many small claims can increase your rates over time. Consider paying for minor damages out-of-pocket instead of claiming them through insurance.

Shop around. Don’t settle for the first quote you receive. Compare renters insurance quotes in Kansas City from multiple providers to find the best price for the coverage you need.

Renters insurance in Kansas City, offers valuable protection for renters at an affordable price. While premiums can vary depending on location, coverage amount and individual circumstances, the peace of mind it provides is worth the investment. By understanding your coverage needs, comparing quotes and taking advantage of discounts, you can find an affordable policy that suits your budget.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Kansas City in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.