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Kansas Renters Insurance
Last updated: 2026 · Data reflects current estimated industry averages.
Avg. Annual Premium
$151
Avg. Monthly
$13
Legally Required?
No*
Credit-Based Pricing
Allowed
Primary Risk
Tornado/Hail
Average Renters Insurance Cost in Kansas
Renters in Kansas pay an estimated $151 per year ($13/month) for a standard policy, based on 2026 industry average data.
Renters Insurance Rates by City in Kansas
| City | Est. Annual Premium |
|---|---|
| Wichita | $162/yr |
| Overland Park | $148/yr |
| Topeka | $144/yr |
What Makes Kansas Renters Insurance Unique
Kansas sits at the heart of Tornado Alley, and hail and wind damage claims are common enough that many insurers ask about storm shelters or safe rooms when quoting a policy.
Risk Factors Specific to Kansas
Underwriters in Kansas weigh tornado, severe thunderstorm, and hail damage more heavily than in lower-risk states when pricing renters policies.
Renters Insurance Compared With Rent in Kansas
The median gross rent in Kansas was $1,079 a month in 2024 (U.S. Census Bureau, American Community Survey), 27% below the national median of $1,487. Against that, our estimated renters premium of $151 a year — about $13 a month — equals roughly 14% of one month’s rent for a full year of coverage, above the middle share among the 50 states in our estimates.
The Coverage Detail That Matters Most in Kansas
In Kansas, windstorm and hail are covered perils on standard renters policies, so belongings damaged when a storm breaks windows or tears off part of the roof are covered, subject to your deductible. Additional living expenses pay for temporary housing while the landlord repairs the unit. The landlord’s policy covers the building, never your belongings.
Frequently Asked Questions
How much is renters insurance compared with rent in Kansas?
With a median rent of $1,079 a month (2024) and an estimated premium of $151 a year, a full year of renters insurance in Kansas costs roughly 14% of one month's rent.
Related Tools
- → Renters Insurance Calculator — Estimate your coverage needs and costs
- → Home Insurance Calculator — For homeowners comparing coverage
- → Umbrella Insurance Calculator — Extra liability protection beyond renters limits
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All Kansas Insurance Guides
Compare requirements, average costs and state rules across every line of coverage in Kansas.
*No U.S. state legally mandates renters insurance, though individual landlords may require it as a lease condition. The information on this page is provided for general informational purposes only and reflects estimated industry averages as of 2026. Insurance rates change periodically; always verify current pricing with a licensed insurance professional. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.