Steadily is the best-rated landlord insurance company in America
We've gotten more than $27 million in property insured in Kansas
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Fast & Affordable Landlord Insurance in Kansas
Easy online insurance for rental property owners and investors. Steadily is rated 4.5 out of 5 stars by landlords nationwide.
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Here is why you need landlord insurance in Kansas
Kansas is a landlord-friendly state that has less bureaucracy than other states–such as no rent control. The median house price is on the lower end in the United States at $175,500. Despite these favorable conditions, Kansas gets plenty of natural disasters that can damage rental properties. Here are some storms that damage houses in Kansas every year:
- Severe storms– Kansas gets 50 thunderstorms per year that usually include large hailstones that can destroy roofs
- Floods– Kansas is located in the “great plains,” and the level ground makes flooding a severe threat.
- Tornadoes– Kansas is in the “tornado alley” and has 88 and 96 tornadoes each year.
How Much Does Landlord Insurance Cost in Kansas?
The cost of landlord insurance in Kansas is about $1082 per year, which is on par with the national average.
Who is landlord insurance for?
Landlord insurance (also known as rental insurance) is a policy for people who rent their homes to others. Landlord insurance is not required for a landlord, but insurance can bring many benefits:
Legal liabilities
Fire and water damage
Financial protection against natural disasters
Protection for your furnishings
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Properties we help
We help make it easy to get property insurance for whatever type of property you own.
We also help get coverage for Airbnbs and other rentals.
Apartment building
Typical Premium
Single-family
Typical Premium
$1,385.00
Condo units
Typical Premium
Multi-family
Typical Premium
$1,551.00
Manufactured
Typical Premium
Vacant or restoration
Typical Premium
Building Data
Properties across the state vary in size and characteristics. Here is data on the properties we've insured.
Average Sq/Ft:
% Single Family:
% Duplex:
% Triplex:
1,646
73.87%
19.82%
0.90%
Stucco:
Brick:
Log:
1.80%
17.12%
0.00%
Above Average:
Custom:
Economy:
Standard:
Premium:
4.50%
0.00%
17.12%
78.38%
0.00%
Boiler:
Heat Pump:
Furnace:
Direct Heat:
3.60%
1.80%
94.59%
0.00%
Coverages
Your insurance policy can cover a wide range of risks, or you can choose a limited set of coverages for a lower premium.
Fire
Because of modern safety codes, fires have become rarer, but the fires that do start tend to cause total destruction of the property.
Water
Broken pipes and appliance leaks are the most common and overall the most expensive property damage for rental properties.
Windstorm, hail, & lightning
Roof damage from storms has become increasingly common as the intensity and frequency of storms have increased over the last two decades.
Lawsuits
Liability protection covers the cost of defending you and settling claims from tenants and their guests for injuries sustained on your property.
Riot and civil commotion
When violent protests break out, riot coverage can pay to fix property damage caused by looters and protestors.
Vandalism & theft
Malicious mischief coverage, as it’s known, covers repairs to broken glass, graffiti removal, and replacement of stolen or damaged property like shared washing machines.
Injury
Injury protection can keep you from getting stuck with the cost of medical bills if a tenant or visitor gets injured on the property.
Bonus coverages
Many policies also include coverage for a long list of other perils such as riots or civil commotion, explosions, volcanic eruptions, and damage caused by vehicles.
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