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Best Renters Insurance in Kansas City

Aug. 26, 2019, 5:03 p.m.

Having a renters insurance policy is a great way to protect yourself from financial loss while renting a house or apartment. A quality renters insurance policy should be from a reputable company, cover all of your belongings and pay out their full replacement value. To help you find the right policy, our partners at ConsumerAffairs researched the best renters insurance in Kansas City.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KSHB may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Kansas City
Read More
Location
Serves residents in
Kansas City, MO
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Kansas City
Read More
Location
Serves residents in
Kansas City, MO
(855) 522-3444
#3
Allstate Insurance: Mike Tiffany
Allstate Insurance: Mike Tiffany
Features
  • Up to 15% discount for security measures
  • Senior discounts
  • Bundle with auto policy & pay as low as $4/month
  • Identity restoration coverage available
Location
1152 W. 103rd St.
Kansas City, MO 64114
(816) 943-9500
#4
State Farm Insurance: Debbie Baker Krough
State Farm Insurance: Debbie Baker Krough
Features
  • 2nd-generation State Farm agent
  • Multiple line, high deductible & home alert protection discounts
  • Electronics covered up to $5,000
  • 18 years experience as a broker regulated by FINRA
Location
6300 Walnut St.
Kansas City, MO 64113
(816) 361-4200
#5
Farmers Insurance: Shelbi Neel
Farmers Insurance: Shelbi Neel
Features
  • Customizeable deductible for specific situations
  • Up to $500 compensation for jewelry
  • Up to $5,000 compensation for computers
  • Identity theft protection
Location
1420 NW Vivion Rd., Ste 108
Kansas City, MO 64118
(816) 994-6237
American Family Insurance: Craig Kenton
American Family Insurance: Craig Kenton
Features
  • M-F: 9am - 5pm
  • Sat and Sun: By appointment only
  • agent.amfam.com/craig-kenton/mo/kansas-city/7333-broadway
Location
7333 Broadway Blvd.
Kansas City, MO 64114
(816) 942-3395
Safeway Insurance Agency
Safeway Insurance Agency
Features
  • M-F: 8:30am - 5pm
  • Sat: 8:30am - 12pm
  • Closed Sun
  • safewayagency.com/renters
Location
3600 Broadway Blvd., Ste. 110
Kansas City, MO 64111
(816) 931-1222
Shelter Insurance: John Goodwin
Shelter Insurance: John Goodwin
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • shelterinsurance.com/CA/agent/JOHNGOODWIN
Location
11125 Locust St.
Kansas City, MO 64131
(816) 363-5848
Northland Independent Insurance Group
Northland Independent Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • northlandindependentgroup.com/personal-insurance
Location
5575 NW Barry Rd.
Kansas City, KS 64154
(816) 587-1826
Antioch Insurance Agency
Antioch Insurance Agency
Features
  • M-Th: 9am - 5pm
  • Fri: 9am - 4pm
  • Closed Sat and Sun
  • antiochinc.com/kansas-city-mo-personal-insurance.htm
Location
214 NE Barry Rd.
Kansas City, MO 64155
(816) 454-0400

How to choose rental insurance in Kansas City

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Renters insurance is in demand in Kansas City because of the city’s large amount of renters and relatively high crime rates. In 2017, there were over 22,000 property crimes in Kansas City, and more than 17,000 of those were burglary or theft. Luckily, renters insurance covers your personal property in case of a fire, theft or vandalism.

Having renters insurance in Kansas City can save you money in the long run — especially if you live in an area with many renters, such as Waldo and Grandview. Single-family homes there are more likely to get broken into than apartments, so renters there should prioritize renters insurance. In fact, many apartment complexes and landlords require renters insurance.

Areas near colleges also have more crime because students sometimes leave their doors unlocked and own expensive items such as laptops. However, not all Kansas City college students need renters insurance. If their parents’ homeowners insurance covers dependents’ personal property, they do not need to purchase additional coverage.

It’s worth noting that renters insurance doesn’t cover certain events like floods, earthquakes and pest damage.

How to build a renters insurance policy in Kansas City: step by step

First: choose coverage amounts

Renters insurance covers personal property and liability.

  • Personal property includes your belongings inside and outside your home
  • Liability coverage protects you if you’re responsible for accidental injury to someone else or damage to their property

To decide how much property coverage you want, take inventory of all of your belongings and add up the total cost you would face if an accident destroyed your residence. The average renter has around $30,000 in possessions. Using this figure, decide how much coverage you need for your belongings.

Here are the typical amounts for a renters insurance policy with a $500 deductible:

  • Personal property: $25,000
  • Liability: $300,000

Having a low deductible and a higher premium typically saves you more money if you eventually file a claim. You can opt to get a higher deductible to save money on your monthly premium, but it often doesn’t offer significant savings.

Second: choose your type of coverage

Decide how you want your renters insurance policy to pay out your claims. You have two options for compensation: actual cash value and replacement cost.

  • Actual cash value: After a covered event, your renters insurance will pay for your lost items, factoring in depreciation. The insurance company decides how much your items were worth and, often, the payment isn’t enough to buy a replacement item. So, while premiums are cheaper month to month, if you do have a claim, you may be out more money in the long run.
  • Replacement cost: Unlike ACV, replacement value policies will pay you the full cost of your item so that you can go out and buy new versions of what you lost. These policies are more expensive monthly but will give you the best return if you have a claim.

Third: Pick your renters insurance provider

The good news is that renters insurance is relatively cheap for either type of policy. In 2016, Kansas renters paid an average of $177 per year, and Missouri residents paid only slightly more at $181 per year. You’ll have to get a quote from a provider to see your exact payments.

If you want to save on your renters insurance, you have a few options:

  • Bundle your insurance policies. Most providers offer discounts when you have multiple policies like auto coverage and renters insurance.
  • Search for discounts. Insurance companies offer discounts for people such as teachers, nurses, retirees and credit union members. Many also offer discounts for installing safety features like deadbolts, alarms and security systems.
  • Compare insurance providers. The easiest way to save money is to shop between insurance agents in Kansas City. Actual premiums and policies vary from company to company, so take some time to see what your options are.

Policygenius

Policygenius

Policygenius is an insurance comparison service that helps you find the best policy based on your needs and budget. Policygenius has helped over 4.5 million customers find better rates on their insurance policies — some for as little as $8 per month. Users mention receiving helpful, individualized customer service.

EverQuote

EverQuote

Using EverQuote’s online dashboard system is a straightforward way to find and compare Kansas City renters insurance policies. This free service analyzes your options from top-rated insurance carriers and gives you access to licensed agents with in-depth knowledge and experience. EverQuote estimates that it has saved consumers more than $2 billion in the last seven years. However, reviewers mention receiving large numbers of calls after using EverQuote.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.