How much is renters insurance in Kansas City, MO

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The average cost of renters insurance in Kansas City, MO is $238 per year (for insurance coverage of $40,000 in personal property coverage, $300,000 in liability coverage and $1000 as deductible) — that’s $7 more than the state average of $231 a year.

It can be higher or lower depending on the coverage limit you choose and the amount of liability the policy provides. If you live in a rented apartment or home, 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.

We did a thorough analysis of renters insurance companies to find the most affordable options for Kansas City renters. Keep reading to find out the cheapest renters insurance companies in Kansas City.

Key Takeaways

The average cost of renters insurance in Kansas City is $238 annually or $20 monthly.
The cheapest option for renters in Kansas City is State Farm, offering coverage at $18 per month.
Renters can reduce their insurance costs by taking advantage of discounts, such as discounts for installing 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 carrier and the coverage limit you select. 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 more in your monthly premium.

You’ll need to decide on the coverage that best fits your needs and budget. However, 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 an average of $189 per year for a $500 deductible and $20,000 in personal property coverage.

The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $16 annually.

The table below shows renters insurance premiums for varying 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

Read our guide to know what does renters insurance cover.

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 Insure.com’s data analysis, Shelter Insurance ranks second on our list followed by Auto Club Enterprises (AAA).

Our experts at Insure.com evaluated renters insurance quotes from all the big and small insurance companies in Kansas City and put together a list of the most affordable insurance carriers.

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

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 renters insurance cost

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.

Final thoughts

Renters insurance in Kansas City, MO, 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 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.