Affordable Renter’s Insurance in Olathe, Overland Park and Lenexa

Why Renter’s Insurance Is Cheaper (and More Important) Than You Think

“I don’t own much — why would I need renter’s insurance?”
It’s a common myth — and one that can cost you thousands if the unexpected happens.

Whether you’re renting a downtown apartment in Overland Park, a duplex in Lenexa, or a student rental near KU’s Edwards Campus in Olathe, renter’s insurance provides real protection for real-life risks — at a surprisingly low cost.

Let’s break down why this small investment offers big value.

It’s More Affordable Than You Think

Renter’s insurance in Johnson County typically costs $10–$20/month. That’s less than a streaming service — and way less than replacing everything after a fire, theft, or water damage.

✅ Real example: If your laptop, phone, TV, or furniture is damaged in a storm or stolen, renter’s insurance helps you replace it.

It Covers More Than Just Your Stuff

Renter’s insurance also includes:

• Liability coverage: If someone trips and gets hurt in your apartment, you could be held responsible. Renter’s insurance covers medical bills and legal costs.
• Loss of use coverage: If your rental becomes unlivable due to a fire or other damage, this pays for temporary housing, food, and expenses while repairs are made.

Your Landlord’s Policy Doesn’t Protect You

A lot of renters assume their landlord’s insurance will cover them. It won’t.

• The landlord’s policy covers the building, not your belongings.
• That means your couch, your clothes, your electronics, and your peace of mind are all on you without renter’s insurance.

Designed for Local Living

If you’re renting in:

• Olathe: Many apartments now require proof of coverage before move-in.
• Overland Park: Popular apartment complexes have seen upticks in storm-related damage — renter’s insurance keeps you covered.
• Lenexa: A growing number of college students and young professionals are renting — a policy helps protect independence and credit scores.

Bonus: Roommates? Here’s What You Need to Know

Renter’s insurance usually doesn’t automatically cover roommates. Each tenant should have their own policy, or you’ll need to request shared coverage in writing (and only some carriers allow it).

What to Look for in a Policy:

• Personal property coverage: Start with $20K–$30K depending on what you own.
• Liability coverage: Aim for at least $100K.
• Loss of use coverage: $3,000–$5,000 is typical.
• Deductible: Choose $250 or $500 depending on your comfort level.

✅ Get Renter’s Insurance the Easy Way

At TCG Insurance Solutions, I help renters in Olathe, Overland Park, and Lenexa find affordable, personalized protection that fits their space and lifestyle.

Call Paul at (913) 390-3220 or use our contact form below