The Best and Cheapest Renters Insurance in Sublette,Kansas for 2024: Rankings, Reviews and Rates

The Cheapest and Best Renters Insurance in Sublette,Kansas

Since companies offer the same coverages, renters should consider the cost of renters insurance in Sublette,Kansas when choosing a policy. Keep in mind that comparing quotes is essential to find the best option for your needs.

CheapInsuranced found that the cheapest renters insurance in Sublette,Kansas is with:

• USAA: $74 per year (only available to military members and their families)
• State Farm: $101 per year

USAA policyholders get great value for their money since all renters insurance policies reimburse items at replacement cost. Plus, policies cover flood and earthquake damage.

The sample policy in this guide has $20,000 in personal property coverage, $100,000 in liability coverage, and a deductible of $500. Review the table below to see how prices can change when you adjust your personal property coverage limit.

AVERAGE ANNUAL RATES FOR PERSONAL PROPERTY INSURANCE

What Renters Insurance Companies Offer the Most Cheapest Coverage in Sublette,Kansas?

CheapInsuranced assessed and ranked the most budget-friendly renters insurance companies in Sublette,Kansas, and the results point to the top contenders:

Cheapest Option: USAA (exclusive to active/retired military and their families) Runner-Up: State Farm

Utilizing a distinctive rating methodology encompassing affordability, J.D. Power's customer satisfaction scores, and AM Best's financial stability ratings, CheapInsuranced identified these companies. Notably, these top providers extend coverage options that may be rare among other market competitors.

Overview of Rankings:

1. USAA
   • Score: 100
     • Affordability: 5/5
     • User Satisfaction: 5/5
     • Financial Stability: 5/5

Quick Take: USAA secured perfect scores in all categories, solidifying its position as CheapInsuranced's premier choice in Sublette,Kansas. Offering competitive rates nationwide, USAA's renters insurance is exclusively available to current and former military members and their families. Noteworthy features include coverage for earthquakes and flood damage, with additional discounts for active military personnel and continued coverage during overseas deployment.

More About USAA: USAA stands out for providing renters insurance policies inclusive of protection against earthquakes and flood damage. Military personnel currently in service are eligible for extra discounts, and coverage is maintained even during overseas deployment.

2. State Farm
   • Score: 87
     • Affordability: 4.3/5
     • User Satisfaction: 4.1/5
     • Financial Stability: 5/5

Quick Take: State Farm emerges as an excellent choice for non-military renters in Sublette,Kansas, garnering high ratings for affordability and customer service. State Farm distinguishes itself by offering add-on inflation coverage, a feature that sets it apart.

More About State Farm: State Farm consistently provides affordable options nationwide. It simplifies the process of increasing coverage limits for valuable items, such as jewelry, during the quoting phase. Additionally, State Farm offers the rare benefit of inflation coverage, automatically increasing the personal property coverage limit over time.

Average Cost of Renters Insurance in Sublette,Kansas for 2023:

• Sublette,Kansas: $122
• U.S.: $159

Renters insurance in Sublette,Kansas proves to be 23.0% more economical than the national average, with an annual cost of $122 or $10 per month. This cost is notably $37 less than the U.S. average of $159 per year.

Benefits of Renters Insurance in Sublette,Kansas

Renters insurance in Sublette,Kansas provides valuable protection for tenants, offering numerous benefits that extend beyond mere coverage. Understanding these advantages can help renters make informed decisions about securing the right policy for their needs. Here are the key benefits of renters insurance in Sublette,Kansas:

1. Protection for Personal Property:

Renters insurance safeguards your personal belongings, including furniture, electronics, clothing, and more. In Sublette,Kansas, where property crime rates exist, having coverage is crucial to recover the costs of stolen or damaged items.

2. Additional Living Expenses Coverage:

If your rented dwelling becomes uninhabitable due to a covered peril, renters insurance covers additional living expenses. This means the policy helps pay for temporary accommodation, meals, and other essential costs, ensuring you're not financially burdened during a crisis.

3. Personal Liability Coverage:

Renters insurance includes personal liability coverage, offering financial protection in the event you're responsible for accidental damage to someone else's property or if someone is injured on your rented premises. It covers legal expenses and court fees, providing peace of mind in potential liability situations.

4. Medical Payments Coverage:

In case of injuries sustained on your rented property, regardless of fault, renters insurance includes medical payments coverage. This covers medical expenses for the injured party, reducing the likelihood of legal disputes.

5. Protection Against Specific Events:

Renters insurance in Sublette,Kansas typically covers various perils, including fire, theft, vandalism, and plumbing issues. Given the occasional risks associated with natural disasters and accidents, having comprehensive coverage ensures you're financially prepared for unforeseen circumstances.

6. Affordable Financial Security:

Renters insurance is relatively affordable, with policies tailored to fit different budgets. For an average cost of $122 per year in Sublette,Kansas, tenants gain substantial financial security, ensuring they don't face significant financial setbacks in the event of covered incidents.

7. Compliance with Lease Agreements:

Many landlords in Sublette,Kansas may require tenants to have renters insurance as a condition of the lease agreement. Securing coverage ensures you comply with these requirements, preventing any lease violations that could lead to eviction.

8. Peace of Mind:

Knowing that your personal property is protected, and you have coverage for unforeseen events, brings peace of mind. Renters insurance allows you to enjoy your rented space without constant worry about potential financial losses.

9. Flexibility and Customization:

Renters insurance policies in Sublette,Kansas are flexible, allowing you to customize coverage based on your specific needs. Whether you have high-value items or unique requirements, you can tailor your policy accordingly.

10. Ease of Replacement for Lost Items:

In the unfortunate event of theft or total loss of personal belongings, renters insurance ensures a smoother recovery process by providing funds to replace lost items. This ease of replacement helps tenants recover more quickly after a covered incident.

Renters insurance in Sublette,Kansas is a practical and cost-effective way to safeguard your belongings and ensure financial stability in unexpected situations. Whether it's complying with lease agreements or protecting against specific perils, the benefits extend far beyond the policy premium.

Several factors contribute to the computation of renters insurance costs, and being aware of these elements is crucial for making an informed decision. Here are the primary aspects that significantly impact the expenses associated with renters insurance:

1. Personal Property Coverage Amount: The foremost determinant affecting renters insurance costs in Sublette,Kansas is the coverage amount you choose. Generally, opting for higher coverage translates to a higher premium.
2. Location: Your geographical location is a pivotal factor in determining insurance costs. Renters situated in neighborhoods with a history of property theft or susceptibility to severe weather events may face increased coverage expenses.
3. Deductible: The deductible amount you select influences your out-of-pocket expenses when filing a claim for item replacement. Opting for a higher deductible often results in a lower premium.
4. ACV vs. RCV: Insurance reimbursement can follow either actual cash value (ACV) or replacement cost value (RCV). ACV considers the depreciated value of your used items, while RCV covers the equivalent cost of a new item of similar kind and quality.
5. Liability Coverage Amount: While your liability coverage amount has a marginal impact on your premium, standard renters policies typically include $100,000 in liability coverage. Additional coverage can be added at a nominal cost per year.

Determining the Appropriate Level of Renters Insurance

Understanding Renters Insurance in Sublette,Kansas While renters insurance is not obligatory in Sublette,Kansas, having a policy is a prudent and cost-effective measure to safeguard your possessions from potential theft or damage. Some landlords may even make it a requirement as part of your lease agreement.

Coverage Offered by Renters Insurance in Sublette,Kansas Choosing the right coverage is crucial when shopping for renters insurance. Sufficient coverage is vital for financially protecting your personal items, especially in a city like Sublette,Kansas, where the property crime rate was 43.91% above the national average in 2019, as per FBI statistics.

Renters insurance in Sublette,Kansas typically covers:

1. Personal Property: This includes coverage for damage or theft of personal belongings such as clothing, electronics, and appliances within your residence.

2. Additional Living Expenses: In case your dwelling becomes uninhabitable due to a covered event, your renters insurance policy can cover temporary housing costs up to policy limits.

3. Personal Liability: Renters insurance includes personal liability coverage, protecting you in the event of an accident in your rented property resulting in damages or injuries to others. This coverage often covers legal expenses and court fees.

4. Medical Payments: The policy usually includes medical payments coverage, catering to injuries sustained on your property, irrespective of fault, up to policy limits.

Exclusions in Renters Insurance in Sublette,Kansas It's essential to be aware of what renters insurance doesn't cover. Notably, it doesn't cover the physical structure of the building, which is the landlord's responsibility. Moreover, damages caused by floods are generally not covered, requiring additional insurance through the National Flood Insurance Program (NFIP).

Additionally, renters insurance usually excludes coverage for your roommate's possessions, earthquake damage (with most companies), damage to your vehicle, and high-value items like jewelry exceeding your policy limit. Thoroughly reviewing your policy before purchase is recommended to ensure adequate coverage.

Remember, while renters insurance is optional in Sublette,Kansas, having a policy is recommended by CheapInsuranced to protect your personal assets, and your landlord may also require you to have coverage.

Renters Insurance in Sublette,Kansas Analysis: Methodology CheapInsuranced conducted an extensive analysis of hundreds of renters insurance quotes in Sublette,Kansas to assist you in finding affordable options. The best renters insurance rankings were determined using data from J.D. Power, AM Best, and affordability metrics derived from a comprehensive analysis of quotes provided by Quadrant.

Frequently Asked Questions About Renters Insurance in Sublette,Kansas

1. How much is renters insurance in Sublette,Kansas on average? On average, renters insurance in Sublette,Kansas costs $122 per year or $10 per month.

2. What is the cheapest renters insurance company in Sublette,Kansas? Based on average rates, the most affordable insurers in Sublette,Kansas are USAA ($74 per year for eligible military members) and State Farm ($101 per year).

3. What is the best renters insurance company in Sublette,Kansas? CheapInsuranced identifies USAA (for military families) and State Farm (for non-military members) as the best renters insurance companies in Sublette,Kansas.

4. Do I need renters insurance in Sublette,Kansas? Renters insurance in Sublette,Kansas is optional. However, CheapInsuranced recommends getting a policy to protect your personal assets, and your landlord may require you to have coverage.

5. What does renters insurance in Sublette,Kansas cover? Renters insurance typically covers personal property, additional living expenses, personal liability, and medical payments. It protects against events like theft, fire, and plumbing issues.

6. What is not covered by renters insurance in Sublette,Kansas? Renters insurance doesn't cover the physical structure of the building, damage caused by floods (requires separate flood insurance), earthquake damage (with most companies), your roommate's possessions, damage to your car, and high-value items exceeding your policy limit.

7. How can renters insurance benefit me in Sublette,Kansas? Renters insurance in Sublette,Kansas offers financial protection for your personal belongings, covers living expenses if your dwelling becomes uninhabitable, provides liability coverage for accidents, and includes medical payments coverage for injuries sustained on your property.

8. Is renters insurance required by law in Sublette,Kansas? No, renters insurance is not mandatory by law in Sublette,Kansas. However, it is a recommended and cost-effective way to safeguard your belongings and meet potential lease requirements set by landlords.

9. How was the analysis of renters insurance conducted in Sublette,Kansas? CheapInsuranced conducted a comprehensive analysis of hundreds of renters insurance quotes in Sublette,Kansas. Rankings were determined based on data from J.D. Power, AM Best, and affordability metrics derived from a thorough analysis of quotes provided by Quadrant.

10. Are there specific considerations for military members in Sublette,Kansas? Yes, military members in Sublette,Kansas may find USAA to be a particularly affordable and beneficial option for renters insurance, tailored to their specific needs.

• Amica Car Insurance Review: Ratings and Quotes (2024)

• Award-winning customer service, numerous discounts, and a long business history make Amica an insurer worth considering.

• 8+ years writing about insurance, taxes, and personal finance

• Certified public accountant

• Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

• Read Editorial Guidelines

• Featured in

• Licensed auto and home insurance agent

• 4+ years in content creation and marketing

• As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

• Read Editorial Guidelines

• Featured in

• Updated April 25, 2024

• Save up to $717 by comparing quotes from the top 100+ insurance companies

• At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

• We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

• When you’re in the market for car insurance, trying to figure out which insurance company offers the best coverage at a price that fits your budget can feel overwhelming. If you’re struggling to find the right fit, Amica is worth a look. With various coverage options and unique discount programs, you can customize your policy while saving money on car insurance.

• In this article, you’ll learn about Amica’s ratings, explore its different policies, and compare it to other popular insurance companies so you can make an informed insurance-buying decision.

• Amica is the oldest mutual insurer of automobiles in the U.S.

• Various discounts are available through Amica, including loyalty, bundling, and good driver discounts.

• Amica earned an A.M. Best financial strength rating of A+ (Superior).

• What is Amica auto insurance?

• Amica Mutual Insurance Company was founded in Providence, Rhode Island, in 1907 as the Automobile Mutual Insurance Company of America. Today, the company is licensed to do business in all 50 states. In addition to auto insurance, it provides various other coverage options, including life, homeowners, renters, flood, and small-business insurance.[1]

• Like other insurance companies, Amica makes money by collecting premiums from policyholders. Amica then invests funds, and the income from those funds helps offset the costs associated with servicing customers and paying out claims.

• Amica

• Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

• Good ratings for customer service and satisfaction

• Multiple discounts and coverage options available

• Higher-than-average rates for drivers with traffic violations

• Limited number of local offices

• Average

• Rates Always Going Up

• Amica pros and cons

• J.D. Power award winner: In 2022, Amica won J.D. Power’s “Highest in Customer Satisfaction with the Auto Insurance Claims Experience” award.[2]

• 24/7 claims service: Claim representatives are available via phone 24 hours a day, seven days a week.

• Financial strength rating: Amica has an A+ (Superior) rating from A.M. Best, a credit-rating agency specializing in insurance.[3]

• Discounts not available everywhere: While Amica advertises several discounts, they’re not available in every state.

• Few in-person service options: Amica doesn’t work with agents to sell its policies and has few local offices, so finding in-person service may be difficult.

• Low customer rating on the Better Business Bureau (BBB): Amica only has 1.36 out of 5 stars based on 56 reviews on its BBB profile.

• Amica car insurance coverage

• Amica offers the state minimum liability auto insurance and many other common coverages — including medical payments, personal injury protection, uninsured/underinsured motorists, and comprehensive and collision policies — for those who want more protection.

• Some of its other auto coverage options include:

• Auto loan/lease coverage: This optional coverage pays the difference between the value of your car and your loan or lease balance if you total your car in a covered accident.

• Full glass coverage: This add-on covers the cost to repair or replace your vehicle’s glass without a deductible.

• Roadside assistance: This covers the cost of towing, changing a flat tire, jump-starting a battery, or other assistance, 24 hours a day, seven days a week.

• Rental reimbursement: This covers your transportation costs while you repair your car after a covered accident.[4]

• See More: Rental Car Insurance: Do You Need It?

• Amica car insurance costs by state

• Car insurance costs and requirements vary significantly depending on the state where you live and insure your vehicle.

• It’s important to compare quotes from several different companies before selecting an auto policy. That way, you can ensure you’re getting the best coverage for your money. The following table shows some examples of Amica’s average monthly rates.

• Amica car insurance rates by driving history

• Your driving record will heavily influence your car insurance rates. Insurance companies consider factors such as the number of years of driving experience you have and any past accidents, claims, or tickets when assessing how much you should pay for auto coverage. You may be eligible for cheaper rates if you have a clean driving record.

• Amica car insurance cost by age

• The cost of car insurance for drivers varies significantly based on your age. In general, drivers younger than 25 tend to pay higher premiums due to a lack of driving experience and a statistically higher risk of having an accident.[5]

• How to get an Amica car insurance quote

• Here’s how you can get a quote through Amica:

• Visit Amica.com and select “Get a Quote” from the drop-down menu at the top of the page.

• Enter your ZIP code. If Amica offers coverage in your area, the insurer will then ask you to select the type of policy or policies you want quotes for.

• You’ll then need to provide information about yourself, such as your name, address, date of birth, marital status (if applicable), occupation, and driver’s license number(s) for all drivers in your household who the policy will cover.

• Next, you’ll provide details about the vehicle(s) you want to insure, such as the make, model year, and vehicle identification number (VIN).

• Then, you’ll have the opportunity to answer questions about discounts that you may qualify for, such as loyalty, safe driver, and student discounts.

• Finally, Amica will give you a quote, which you can customize by changing limits, qualifying for discounts, or adding optional coverages.

• Learn More: Cheapest Car Insurance Companies with Affordable Rates

• Amica car insurance discounts

• Like many other insurers, Amica offers various discounts to help customers reduce the cost of their auto coverage:

• Loyalty: Amica offers discounts for customers who have been with their existing auto insurance company for at least two years. Customers under age 30 whose parents have had an auto policy with Amica for at least five years may also qualify for a legacy discount.

• Bundling: You can save if you bundle your auto insurance with homeowners, condo, renters, life, or umbrella policies. Amica also offers a discount to policyholders who insure multiple cars on the same policy.

• Young driver training: Drivers younger than 21 may qualify for a discount if they complete an approved driver training program.

• Students: You may be eligible for a discount if your child is a full-time student living away from home without a car. Full-time high school and college students with good grades may also qualify for a good student discount.

• Good driver: Drivers who have been claim-free for the past three years may qualify for a discount. You can also get a discount for taking an approved driver safety course.

• Safety/anti-theft devices: You may qualify for discounts if your car has certain safety features, such as airbags, adaptive headlights, car alarms, CPS tracking systems, electronic stability control, and collision avoidance features.

• Pay in full: You’re eligible for a discount if you pay your entire policy premium up front rather than in monthly installments. You can save more by enrolling in paperless billing and signing up to have your payment electronically drafted from your account.[6]

• Amica bundling options

• Many insurance companies offer bundling discounts to incentivize customers to purchase multiple policies from them. This helps increase customer loyalty and generate more revenue for the company.

• Amica offers bundling discounts for those who bundle their auto insurance with homeowners, condo, renters, life, flood, boat, motorcycle, small-business, and umbrella policies. According to the website, you can save up to 30% when you purchase your auto policy plus one or more other policies from Amica.

• Compare Car Insurance Rates

• Amica reviews and ratings

• Customer reviews and third-party ratings can be extremely helpful when  making a decision about your car insurance. Amica fares pretty well overall regarding customer reviews and ratings, though it has a few weak spots.

• Amica customer reviews

• Amica has a 4.5/5 rating on Trustpilot, with many reviewers praising the company’s customer service.[7] However, a common complaint is the lack of do-it-yourself options via the Amica website and mobile app for customers who prefer to handle basic policy changes themselves.

• While you can use the website to get a quote and the app to access your insurance, pay bills, report and track claims, and view policy information, you’ll need to contact a customer service representative to purchase a policy or make changes to your vehicle, drivers, or coverages.

• Amica ratings

• Here’s a look at Amica car insurance ratings from third-party rating services. A.M. Best ratings focus on the financial strength of companies — in insurance, it’s a determination of how confident A.M. Best is that the insurer can pay out claims.

• The BBB, J.D. Power, and the National Association of Insurance Commissioners (NAIC) focus more on customer and consumer feelings toward the insurance company, considering things like satisfaction and complaints.

• A.M. Best: A+ (Superior)

• J.D. Power: 903/1,000[8] 

• Better Business Bureau: 1.36/5[9]

• NAIC Complaint Index: 0.82 (Fewer complaints than average)[10]

• Amica vs. other insurance companies

• The car insurance market is highly saturated with a large number of companies vying to provide the best coverage and services at competitive prices. With so many options, making the best choice when selecting car insurance can be overwhelming. Here’s how Amica stacks up against some of the top insurers in the country.

• Compare Car Insurance Rates

• Amica vs. Allstate

• Allstate is an insurance company that offers many of the same coverage options as Amica. It also has discounts for people who bundle their auto insurance with their home, condo, or renters policy.

• Amica’s bundling discount is slightly more attractive, however. According to the Amica website, bundling can reduce your premiums by up to 30%, while Allstate offers savings of up to 25%. One thing to consider is that Allstate offers auto policies to drivers in Hawaii, while Amica doesn’t.

• Amica vs. Farmers

• Farmers offers many types of policies, including auto, homeowners, life, and small-business insurance. Customers can also customize their policy to include additional protections, like roadside assistance and rental car reimbursement.

• Farmers might be a better option if you prefer to purchase your policy online from start to finish because it allows customers to buy policies online.

• Amica vs. State Farm

• State Farm offers a wide range of policies for auto, home, life, and business. It has similar auto insurance discounts as Amica, such as good driver and bundling discounts.

• But State Farm might be a better option than Amica if you prefer to work with a local agent. The company provides coverage via a network of independent contractor agents across the country, and there’s a good chance you can find a local agent in your community to provide one-on-one service.

• Read More: The 10 Best Car Insurance Companies

• How to file an auto insurance claim with Amica

• An auto insurance claim is a request for payment from an insurance company after an incident or loss related to your car. You may need to file a claim after an accident, theft, or damage due to something like hail or vandalism.

• If you need to file an auto insurance claim with Amica, here’s what you should do:

• Gather the information you need to report the claim, including the incident number (if the police were called) and information on any other drivers or vehicles involved.

• Report the claim to Amica as soon as possible. You can call its customer service line at 1 (800) 242-6422 and report the claim online or via the mobile app.

• Submit any required documentation for claim processing, such as photos and repair estimates.

• Amica will then review your claim and determine if it’s covered by your policy. If approved, Amica will pay out the amount of coverage specified in your policy minus any applicable deductible.

• Amica insurance FAQs

• Before you decide on which insurer is right for you, here are some answers to commonly asked questions about Amica car insurance.

• Is Amica legitimate?

• Yes. Amica is a legitimate insurance company with more than 100 years of experience in the industry. The company has earned numerous awards and accolades for its commitment to customer service, financial strength, and reliability. It has an A+ rating from A.M. Best, a leading independent insurance-rating agency, which indicates that the company is financially sound.

• Is Amica car insurance worth it?

• It depends. Amica car insurance is worth the cost for many consumers, but it depends on your insurance needs.

• For example, it offers good driver discounts for customers with clean driving records and bundling discounts when you purchase multiple policies from Amica, so if you’re a good driver looking to bundle policies, it may be a good fit.

• Who owns Amica?

• Amica Mutual Insurance Company is owned by its policyholders, as it’s a mutual insurance company. This means it doesn’t distribute profits to shareholders. Any profits it generates via investments or underwriting profits are used to pay to operate the company, cover claims, or pay dividends to eligible policyholders.

• Who should get Amica insurance?

• Amica is a great option for car owners who value customer service and comprehensive coverage options. Amica has received awards for its customer service — especially during the claims process. Additionally, Amica offers discounts for customers who bundle their auto insurance with its home, condo, or renters policy, making it an affordable option for budget-conscious customers.

• Is Amica good at paying claims?

• Yes. Amica has an impressive A+ financial strength rating from A.M. Best, a leading independent insurance-rating agency, which indicates the company is financially sound. This high rating signals that Amica should be able to meet its financial obligations and pay claims if needed.

• Sources

• Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

• Licensed auto and home insurance agent

• 4+ years in content creation and marketing

• As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

• Read Editorial Guidelines

• Featured in

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