Kansas Renters Insurance Coverage | Farmers Insurance®

Kansas Renters Insurance

Whether you rent a loft in Wichita or a three-bedroom home in Salina, renters insurance in Kansas can help you repair or replace your personal belongings if they’re damaged or stolen.

Please enter a 5 digit zip code.

How much does renters insurance generally cost in Kansas?

Renters insurance in Kansas can cost as little as $13 a month (or $154 per year) for around $35,0001 in coverage, a little less than the national average, according to 2021 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.

What does Kansas renters insurance typically cover?

Typically, renters insurance policies in Kansas can provide coverage against damage to or loss of personal belongings if caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding — a common risk in Kansas — is not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters. 

Is renters insurance required in Kansas?

No state laws require you to have renters insurance in Kansas. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.

Wild Native Sunflower

bridge image

More coverage options in Kansas




Learn From Experience

Do you have more questions about renters insurance? We have answers.

Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.


Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.


Blackouts Can End In A Blink. What Happens When The Lights Are Out For Days Or Weeks?

What should you do during a power outage? Get information and specific tips on how to survive a blackout from Farmers Insurance.