The Trails at the Ridge

How Much Is Renters Insurance In Kansas?

• Dennis Hart
• 20.09.2022
• 0
• 59

Cost of Renters Insurance Is Around the Same as the National Average in Kansas The cost of renters insurance in Kansas is about the same as the national average. The annual premium for renters insurance in the state of Kansas is, on average, $128. This cost is $32 lower than the average rate found nationwide.

Around $11 is the average monthly payment made by renters, which is three dollars less than the national average. These premiums are calculated based on a policyholder who has a $500 deductible, personal property coverage of $20,000, and liability insurance of $100,000. Customers in Kansas who compare several renters insurance rates might come out ahead financially.

If we use our hypothetical renter as an example, State Farm, which is the most affordable option among the three, should be selected rather than Farmers, which is the priciest option. This equates to a savings of $5 each and every month.

How much is a renters insurance in KC?

The cost of renters insurance in Kansas City, on par with the national average for 2022 – the cost of renters insurance in Kansas City is on par with the national average. The typical annual premium for renters insurance in Kansas City is $149, which comes out to around $12 per month.

How much is renters insurance monthly?

The price of renters insurance often ranges between $15 and $20 per month 1 on average. However, the final price that you pay will be determined by a variety of circumstances. Take a look at the details provided below to learn more about the factors that go into determining the cost of renter’s insurance for your house or apartment.

Do you have to have renters insurance in Kansas?

Is renters insurance necessary in Kansas? Although renters insurance is not mandated by state law in Kansas, your landlord or the management company of your building may require you to purchase a policy before you are allowed to move in. Even if carrying renters insurance is not required in your state, it is typically rather inexpensive to get a coverage on your own.

Does Liberty Mutual renters insurance cover pets?

Coverage of $15,000 for personal belongings and up to $100,000 in liability coverage, with the option to add on additional coverages, is often sufficient. Coverage will ultimately depend on how much stuff you need to protect; however, coverage of $15,000 for personal belongings and up to $100,000 in liability coverage is often sufficient.

1. The quantity of your personal property is the first consideration when calculating the amount of renters insurance you will require.
2. Your personal property When you have additional things that need to be protected, you should think about increasing the limit.
3. Before getting a quote, you should do an inventory of your possessions; this will give you a better sense, in general, of the coverage limit you would want to pick.

This covers all of your belongings, such as your clothing, electronics, furniture, cookware, jewelry, and other accessories. Your legal responsibility A Liberty Mutual Renters insurance automatically includes coverage for liability. Because you have this coverage, you are covered in the event that you, a member of your family, or your pet causes injury to another person or damages to their property.

There is also the option of purchasing no-fault medical coverage, which states that if someone is hurt in your house, the insurance company would pay for their medical expenses regardless of who was at blame. The liability element of your insurance may also cover the cost of a lawyer to represent you in court as well as the expense of any awards given to you by the court, up to the amount of your policy.

These limits often begin somewhere around $100,000, but you have the option to purchase extra coverage if you want to.1 Lastly, the following is a constructive way to look about the price of your renters insurance policy: Higher premiums are the result of increased coverage and decreased deductibles.

What is the deductible for renters insurance?

When it comes to renters insurance, what exactly is a deductible? Renter’s insurance often covers the loss, damage, or theft of your personal goods, as well as the costs of personal liability and additional living expenses incurred as a result of temporarily dwelling at a location other than your primary residence.

• It’s possible that you’ve dealt with an insurance deductible in the past if you’ve acquired any other kind of insurance coverage in the past, whether it be health insurance or vehicle insurance, for example.
• A deductible for renters insurance operates in a manner that is substantially analogous to this one: When you make a claim to your insurance carrier, this is the amount of money that you will be responsible for paying out of your own pocket.

When it comes to renters insurance, the deductible will often only come into play in the event that your personal belongings are damaged or stolen. Consider the following scenario: a fire in your flat causes severe damage to your personal items, and you make a claim for $10,000 to cover the costs associated with the loss.

If the deductible on your renters insurance policy is $1,000, then you will be responsible for paying $1,000 toward the claim, and your insurance company will pay the remaining $9,000, provided that the cause of the fire was one that was covered by your policy. Every time you make a claim, this deductible will be deducted from your payout.

In the event that another fire broke out in your home, causing damages totaling $5,000, you would be responsible for paying an additional $1,000, while the remaining $4,000 would be covered by your renters insurance carrier. When obtaining a renters insurance coverage, you will be given the option to choose the amount of the deductible that applies to your policy.

If your deductible is smaller, the amount of money you have to pay out of pocket for your claims will be reduced. Insurers frequently provide a selection of deductible amounts to choose from, however the standard amounts for renters insurance are either $500 or $1,000. As an illustration, State Farm provides renters insurance policies with deductibles of up to $2,000, but Lemonade Insurance Company provides a specialized renters insurance policy with no deductible at all.

It’s possible that your deductible will be presented to you as a percentage of the total amount of your property coverage. If your total personal property coverage amounts to $10,000, for example, and your deductible policy is set at a 10% rate, this implies that you will be responsible for a $1,000 deductible in the event of a claim.

What is tenants liability insurance?

The costs of any unintentional damage to your landlord’s property and possessions that you are liable for as part of your rental agreement can be covered by the tenants’ liability insurance that you have purchased for yourself.

How much is renters insurance in Missouri?

Cost of Renters Insurance Is Around Average in Missouri The cost of renters insurance in Missouri is about average. Renters insurance in Missouri costs an average of $150 per year, which is about $10 less than the national average for a policy that provides personal property coverage of $20,000, liability insurance coverage of $100,000, and a $500 deductible.

What department regulates the insurance business in Kansas?

The Kansas Insurance Department was initially created in the year 1871 by the Kansas Legislature. William C. Webb was the first person to hold the position of Superintendent of Insurance, which was renamed Commissioner of Insurance in 1927. The Kansas Insurance Department has been led by a total of twenty-six Commissioners, the most recent of whom is Vicki Schmidt, who serves as the current Commissioner.

• Frank Sullivan held the position of Commissioner for the greatest period of time, serving from 1947 to 1971.
• Senate Bill 23, which led to the consolidation of the Kansas Securities Commission and the Kansas Insurance Department, was approved by the Kansas Legislature in the year 2017.
• Before the passage of the legislation in 2017, the Securities Commission functioned as an agency within the executive branch and reported to the Governor.

Kansas was the first state to establish a legislation regulating the selling of investments shortly after it was admitted to the union in 1911. According to J.N. Dolley, a driving force behind the passage of the law, it was an effort to prevent the sale of securities by promoters who promised rain, but delivered only “blue sky.” This was an effort to prevent the sale of securities by promoters who promised rain, but delivered only “blue sky.” In the subsequent few years, more states established legislation that were comparable to those already in place, and today, the term “blue sky laws” is used to refer to all of the state’s securities regulations.

After the devastating crash of the stock market in 1929, the United States federal government began to regulate investment activity with the passage of the Securities Act of 1933 and the creation of the United States Securities and Exchange Commission in 1934. Both of these events took place after the Great Crash of 1929.

Although there have been many shifts in the insurance and securities industries over the years, the Kansas Insurance Department has maintained its commitment to serving the residents of the state. Regulating the industry is the primary objective of the Kansas Insurance Department.

1. Educate. Advocate.
2. Companies that offer insurance policies in Kansas should be subject to regulation and review to ensure that they are solvent and comply with all applicable insurance and securities laws and regulations.
3. Consumers should be educated on all aspects of insurance and securities by producing pamphlets and rate guides to aid them in the purchasing process, delivering lectures to organizations around the state of Kansas, and acting as a source of information that is not prejudiced in any way.

Be an advocate for a robust and competitive market that offers consumers in Kansas a variety of options when searching for goods that can satisfy their requirements. Vicki Schmidt is a lifelong Kansan. Wichita was both her birthplace and her childhood home.

1. Both she and her high school beau, Mike, went to Wichita South High School.
2. Mike was her senior class president.
3. Both of them had similar upbringings that emphasized the importance of honest labor, faith, and devotion to one’s beliefs, since their families lived within two blocks of one other.
4. After deciding to continue their schooling at KU together, the couple was married the following year in 1974.

While Vicki received her diploma from the School of Pharmacy at KU and started working as a pharmacist, Mike moved on to complete his education in order to become an orthopedic surgeon. Topeka became their permanent residence, and it was there that they brought up their two kids, Jonathan and Tyler.

• As a local pharmacist in Kansas, she has spent more than 40 years working to serve the state’s families and older citizens.
• Her previous work in the pharmaceutical field, along with her dedication to seeing Kansas flourish, was the impetus for her decision to seek a seat in the Kansas Legislature.
• Vicki discovered flaws in the Kansas Medical Assistance Program, faults that were costing the state millions of dollars.

Vicki is a pharmacist, and she discovered these problems. She became an advocate for change, speaking up about the ways in which Medicaid’s prescription rebate program might be more efficient, and then putting her plan into action, which resulted in the state recovering more than $391 million in funds that had been improperly paid to the pharmaceutical companies.

Vicki took her knowledge and skills to the state legislature, where she served for a total of 14 years, six of which were spent as chair of the Senate Public Health and Welfare Committee. She was a representative for Shawnee and Wabaunsee counties. In her role as a state senator in Kansas, she campaigned to preserve Medicare for the state’s elderly population and voted to ensure that families in the state may rely on insurance providers to pay for the necessary vital therapies for children who have been diagnosed with autism.

She confronts professional politicians and lobbyists on a regular basis in order to advocate for what is in the best interest of Kansans. In 2014, she became a grandmother, which is without a doubt the most prestigious title she has ever had. She and Mike are the proud grandparents of three grandchildren and one granddaughter at this time.

She won the most votes across the state on November 6th, 2018, and was subsequently elected to the position of Kansas Insurance Commissioner. She was given her oath of office on January 14, 2019, making her the first pharmacist to ever hold the position of Kansas Insurance Commissioner. Currently, she is one of only two pharmacists in the whole United States to hold a statewide post.

At the moment, Commissioner Schmidt is a member of the National Association of Insurance Commissioners’ Life and Annuity (A) Committee as well as the Property and Casualty (C) Committee (NAIC). Additionally, she serves on the board of the National Insurance Producer Registry (NIPR) in addition to holding the positions of Co-Vice Chair of the Financial Regulation Standards and Accreditation (F) Committee and immediate past Chair of the Property and Casualty (C) Committee of the NAIC.

• Please send an email to [email protected] if you would like to get in touch with a member of the Kansas Insurance Department staff.
• Vicki Schmidt — Insurance Commissioner 785-291-3299 Securities Commissioner Dan Klucas may be reached at (785) 291-3299.
• Assistant Commissioner Barbara Rankin may be reached at (785) 296-4568.

Mandy Roe is the Chief of Staff and can be reached at 785-296-7807 Contact Bobbi Mariani at 785-296-7802; she is the Director of Administrative Operations and Human Resources. Director of Compliance, Enforcement, and Anti-Fraud Operations John Eichkorn may be reached at (785) 296-5203.

General Counsel, Justin McFarland, can be reached at (785) 296-7847. Tish Becker is the Director of Financial Surveillance. You may reach her at (785) 296-7816. Eric Turek is the Director of Government and Public Affairs. You can reach him at 785-296-2461. Actuarial Services are led by Nicole Boyd, who is the Chief.785-296-6253 785-296-6410 is the number to reach Julie Holmes, who is the Director of Rate and Form Compliance.

Director of Consumer Assistance LeAnn Crow’s responsibilities include: 785-296-7827 The Director of Information Technology is Linda Scott, and her number is 785-368-6527. Charlotte Daubert is the Controller and may be reached at 785-291-3191. Chief of Securities Compliance, John Hesse, may be reached at (785) 296-3911.

Monicka Richmeier, who is in charge of Producer Licensing, may be reached at (785) 296-5185. Assistant to the Commissioner Karen Perez may be reached at (785) 291-3299. The primary address is 1300 SW Arrowhead Road, Topeka, Kansas 66604-4073. The phone number is 785-296-3071, and the fax number is 785-296-7805.

The email address is [email protected]. Securities Email: [email protected] Division of Licensing for Producers Please send any correspondence to the following address: ATTN: Producer Licensing Division Telephone: 785-296-7862 Fax: 785-368-7019 Email: [email protected] Department of Assistance to Consumers Send in a consumer grievance or enquiry, or file a consumer complaint.

Does Liberty Mutual renters insurance cover mold?

The frequently asked questions section of Liberty Mutual Renters Insurance asks: Does Liberty Mutual Renters Insurance cover damage caused by water? Under some conditions, the renters insurance offered by Liberty Mutual may cover damage caused by water.

1. Coverage for damage caused by water is not always included as part of a typical policy.
2. Does the renters insurance provided by Liberty Mutual cover theft? Theft is covered under the renters insurance provided by Liberty Mutual.
3. However, it is important to keep in mind that every regulation has its own restrictions.

If you are concerned about the theft of particularly expensive items, such as jewelry, you might want to consider purchasing supplementary coverage packages for those kinds of products. Does the renters insurance offered by Liberty Mutual cover damage caused by flooding? Flooding that is caused by natural causes is often excluded from the coverage of any renters’ or homeowners’ insurance policy.

You may acquire flood insurance via Liberty Mutual; however, the coverage ultimately originates from the National Flood Insurance Program (NFIP), which is handled by the Federal Emergency Management Agency (FEMA) (FEMA). Does the renters insurance offered by Liberty Mutual cover cracked or damaged windows? The majority of the time, renters insurance will not cover shattered windows.

The purpose of renters insurance is to safeguard your personal property, not the structure that you are renting to live in. Your landlord’s homes insurance, not your renters insurance, would be responsible for covering any damage to the windows because they are an integral element of the structure.

1. Does the renters insurance offered by Liberty Mutual cover damage caused by fire? In some circumstances, renters insurance from Liberty Mutual may cover damage caused by fire.
2. If you are concerned about the possibility of fire damage, you have the option to obtain additional coverage in order to cover expenditures that are in excess of the regular automatic plan.

Does the renter’s insurance offered by Liberty Mutual cover bedbugs? The majority of renters insurance carriers, including Liberty Renters Insurance, do not offer coverage for bedbugs. Because pest management is regarded to be a part of routine maintenance and is the duty of the homeowner, renters insurance policies do not cover insects and other pests.

The obligation for pest control is with the homeowner. Does mold damage fall within the coverage of Liberty Mutual’s renters insurance? Mold damage is only covered by Liberty Mutual’s renters insurance under particular circumstances. If the mold was directly caused by a covered event, like a storm, for example, then the damage caused by the mold will be covered by the insurance policy.

It will not be covered if the damage was brought about by an event such as floods, for which you would need to acquire a separate insurance policy. How can I get out of my renters insurance policy with Liberty Mutual? Calling the customer support number for Liberty Mutual will allow you to cancel your renters insurance policy with the provider.

Is there a mobile app available for Liberty Mutual, and if so, what features does it offer? Yes. Using the mobile app, customers may access and manage their identity cards and policy data, as well as pay their bills and file claims. Does Liberty Mutual provide dividends to its shareholders? There is no guarantee that shareholders will receive dividend payments from Liberty Mutual.

Which additional kinds of one-of-a-kind services does Liberty Mutual provide? Renters insurance is only one of the many optional products that may be acquired from Liberty Mutual. You can also buy these policies on their own. One of the most peculiar is tuition insurance, which covers not only physical ailments and unanticipated accidents but also mental health issues like anxiety and depression as well.

Does Liberty Mutual allow pit bulls?

Homeowners insurance providers that are favorable to pit bulls – If you want to locate an insurance provider that will cover your pit bull, you might have to jump through a few hoops first. There are a number of companies that will provide you with insurance coverage with your pit bull, and they are sure to get your tail wagging.

• While a lot of companies restrict coverage based on the breed, there are a number of companies out there that will provide you with coverage with your pit bull.
• According to consumer feedback collected by Clearsurance on their insurance provider’s discussion of breed limits for dogs, the following firms’ clients have not reported encountering any breed restrictions in their policies: Farmers State Farm Amica USAA Farmers State Farm There was a lot of buzz about State Farm being the best insurance provider for pit bulls.

The firm adheres to the maxim “It’s not the breed, it’s the bite,” which acknowledges the fact that every breed of dog is capable of biting and that breed is not a reliable indication for insurance purposes. One reviewer commented, “As my homeowner’s insurance provider, State Farm has consistently met and exceeded my expectations.

They provide excellent service and do not exhibit any bias against so-called “aggressive” canine breeds, such as pit bulls.” Another customer was pleased with the service they received from Farmers Insurance when they insured their bulldog breed. This customer stated, “[.]” “Because we have a dog of the bulldog breed, this gives us the most extensive covering possible for our requirements.

We have not been required to use the claim services, but we are comfortable knowing that we have the choice to feel a feeling of security in the event that we are need to do so.” Reviews indicate that Liberty Mutual is a firm that might provide coverage for your pit bull but could also charge you a higher premium for doing so.

There are also a few house insurance providers where reviewers reported having problems obtaining coverage for their pit bull from the company. These insurance providers consist of American Family, Horace Mann, Progressive, and The Hartford, respectively. One Clearsurance customer gave Progressive the following feedback in their review: “The no hazardous breed policy may be found at Progressive.

When they discovered that I had a Pittbull, they provided me with a grace period of thirty days to locate another insurance, despite the fact that they were quite capable of canceling my coverage immediately. My dogs are gentle and affectionate creatures.

1. It’s disheartening to see a firm behave in such an unprofessional manner.
2. Now that I’m insured by Statefarm, whose motto is “It’s not the breed, it’s the bite!”, I can finally say goodbye to Allstate.
3. My dogs are not subject to discrimination at Statefarm, nor am I subject to repercussions for my role as their owner in the event that they cause any kind of mischief.” Finding an insurance coverage that will cover a pit bull is going to be more challenging, but it’s not going to be impossible either.

You will need to do some research and seek insurance quotes from a number of different organizations in order to locate one that will cover your pit bull at a price that is affordable to you. Do you have insurance for your pit bull at your home? Help other people who own pit bulls locate an insurance provider by writing a review of your experience with the firm, regardless of whether it was a positive or negative one.

Does Liberty Mutual renters insurance cover cell phones?

Insurance for Landlords and Homeowners – Don’t forget that the insurance policy you have on your home or apartment provides some level of protection for your electronic item. Even though the unendorsed homeowner’s policy will not cover mechanical failure, you will still be covered if it is stolen or destroyed together with other goods in your home.

Special endorsements are available from insurance carriers to provide coverage for mobile devices and laptops used in the house. Renters may get Home Computer and Smartphone Coverage from Liberty Mutual, for instance, if they choose to do so. The endorsement carries a deductible of one hundred dollars, but also broadens the types of losses that may be sustained by mobile and desktop computers.

If you already have a homeowner’s or renter’s insurance policy, you should probably insure your gadget under that coverage instead. Give your agent a call.

How much is renters insurance AZ?

Finding affordable renter’s insurance in Arizona might be challenging. The typical cost of renters insurance in the state of Arizona is $211 per year, which breaks down to $18 per month. That is a 2% premium on top of the annual cost that is considered to be the national average, which is $216.

How much is rental insurance in DC?

In the city of Washington, District of Columbia, the typical cost of renters insurance is $13 per month, or $158 per year. Depending on the level of coverage that you get, the amount that you will have to pay for your renters insurance each month might range anywhere from $10 to $36. The typical monthly premium for renters insurance in the District of Columbia

What is the average cost of renters insurance in Indiana?

What You Need to Know About Renter’s Insurance in the State of Indiana – Renter’s insurance gives you a means to secure your belongings in the case of a natural disaster or other unforeseen occurrence. When dealing with situations such as burglary, fire, or bad weather, it could come in helpful.

The percentage of people who rent their homes in Indiana is 27.6%. The cost of rent each month comes out to an average of $840. The typical monthly rate for renters insurance is $13, and it covers personal property up to $20,000, liability up to $100,000, and has a $500 deductible. This coverage comes with a regular policy that covers personal property.

This amounts to around 1.52% of the total cost of the rent.

How much is renters insurance in Hawaii?

What You Really Need to Know About Renter’s Insurance in Hawaii – – Renters insurance in Hawaii is an excellent choice for protecting your belongings in the event of unforeseen catastrophes. The typical cost of a monthly apartment rent in Hawaii is $1,651 per month.