The state of Kansas has a wonderful mixture of both city and country living. With wide open plains, and large metropolitan areas like Wichita, Kansas residents get the best of both worlds.
Renting is a very viable option for many Kansas residents, as it offers a step up to owning, or offers retirees and empty-nesters the convenience of a home that comes along with landscaping, security, and amenities such as pools or fitness centers.
Every renter has possessions, from furniture to clothes and appliances. However, many neglect to purchase insurance to cover these items, believing that either: 1) their landlord's insurance covers their belongings, or 2) they won't be a victim of a crime.
Unfortunately, a renter's possessions aren't covered under the landlord's policy, and rentals have a higher crime rate. Therefore, having renters insurance is vital when it comes to protecting your belongings.
Renting an apartment or home is an important decision, and a key to being a responsible renter is to have renters insurance. It not only covers you from theft, but from liability and natural disasters as well.
Many renters believe their apartment is covered by the landlord's insurance. Typically, a landlord's insurance policy covers what's termed as "to the studs." This means that from the outside of the rental to the inner studs is covered, meaning that light fixtures, furniture, electrical appliances, and other interior items are not covered by the landlord's policy.
Renters insurance is a group of policies designed to protect you, as a renter, from common incidents. A typical rental insurance policy will resemble the following:
A renters insurance policy is much like a homeowners policy, in that the price can vary depending on a wide array of factors. When getting renters insurance quotes, be sure to make yourself familiar with the following in order to get an accurate quote:
All of these factors, plus more, will be taken into account before giving you a quote, to make sure you're getting the best coverage for your needs.
Typically, there are many discounts available on renters insurance policies. These discounts may include the following:
You may be eligible for these, and more, depending on your unique situation. When shopping for renters insurance quotes in Kansas, be sure to ask about all available discounts.
When considering purchasing renters insurance, it's important to have a professional by your side to guide you. Insurance can be confusing. A Trusted Choice® agent is always available to help you discuss coverages, suggest policy options/discounts, or even help you file a claim.