Renters insurance shopper s guide

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Kansas Insurance Department

Homeowners

Renters

insurance shopper’s guide

effective April 1, 2015

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April 2015

Dear Kansas consumer,

One of my goals as insurance commissioner is to help you be a more informed buyer

of insurance products. This “Homeowners and Renters Insurance and Shopper’s

Guide” booklet is designed to provide you with valuable information, as well as

address common consumer concerns and issues surrounding residential insurance.

While shopping for the coverage and price that fit your budget, consider the

following:

• Changing to the highest all-peril deductible will lower your premium rate.

• You should always pay your premium well in advance of the due date. There

is no grace period beyond the due date - if your payment isn’t received

on time, you won’t have insurance coverage.

• Use this guide to comparison shop.

• Don’t cancel your existing insurance coverage until you have new coverage.

When switching companies, request a binder from the new company. A

binder is a temporary contract until your new contract arrives.

If you have questions or need assistance understanding homeowners or renters

insurance issues, don’t hesitate to contact the Kansas Insurance Department’s

Consumer Assistance Hotline toll-free at 800-432-2484

. Our trained staff is

dedicated to helping answer your insurance questions and finding solutions to your

problems.

Sincerely,

Ken Selzer, CPA

Homeowners and Renters Insurance

and Shopper’s Guide

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Section I: Homeowners Insurance

2 Be a smart shopper

10 How to use the shopper’s guide that follows

12 Homeowners rates by county

13 Section II: Other Types of Housing Insurance

40 Renters and condominium insurance

40 Townhouse insurance

42 Mobile home insurance

43 Be a smart shopper

44 How to use the shopper’s guide that follows

46 Renters rates by county

47 Section III: Claims Settlement and Other Resources 56

Claims settlement

56 Kansas FAIR plan

57 Frequently Asked Questions

58 Glossary of terms

60

The shoppers’ guides included in this publication

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For many Kansans, the purchase of a home is the single largest investment they will make. Homeowners insurance is a security net for your investment. It helps you pay for repairs, rebuild your home, or replace personal belongings if disaster strikes. It also provides personal liability protection if an accident

occurs on your property. This section gives you an overview of the basic coverages available and tips on buying homeowners insurance.

Basic coverages

Multiple types of homeowners policies are sold in Kansas. Some provide coverage for homeowners. Another type is designed

specifically for renters and another for

condominium owners (see Section II).

Most homeowners insurance policies combine property and personal liability coverages.

Property coverage insures your home, contents

and other structures against loss or damage

from certain perils. Perils are events that cause damage to property, such as fire, windstorm

and theft.

Ιn addition to property coverage, the policy

may also provide personal liability coverage for bodily injury and/or property damage

caused to others as a result of your negligence.

Property coverage also provides payment of medical expenses for injuries to anyone other

than members of your household.

Types of property coverage

Section I: Homeowners Insurance

permanently installed air-conditioning systems,

and electrical wiring.

Other structures — Provides insurance

coverage for detached structures, such as

garages and storage sheds, as well as fixtures

attached to the land, such as fences and wood decks.

Contents — Covers your furniture, appliances,

clothing and other personal belongings.

Contents coverage usually has special limits

on certain kinds of personal property. For

example, theft of jewelry and furs is limited to a certain dollar amount. Check your policy for a

full listing of limits. For an additional premium, you may increase these special limits.

Additional living expenses — Provides coverage for some of your extra expenses if

your home is damaged and you cannot live

there while repairs are made. Covered items include extra food costs, lodging, relocation and storage expenses. This benefit covers only

the difference over and above your normal

household expenses (for example, the cost of restaurant meals minus normal food expenses). Submit receipts for additional living expenses

to your insurance company for reimbursement.

Additional property coverages in your policy — Most homeowners insurance policies contain additional coverages. When a peril damages or

destroys a house, expenses can exceed the cost of repairing the house. Certain dollar limits

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• Collapse of building caused by perils for

which you are insured

• Glass breakage

Exclusions to property coverage

Most homeowners policies under the property coverage section do not provide coverage for loss to the following:

• Animals, birds or fish

• Motor vehicles, including equipment

and accessories

• Aircraft and parts

• Flood or rising water damage • Normal wear and tear

• Water damage from sewer backup

• Damage resulting from war, terrorism, nuclear

hazard, neglect, earthquakes or power failure

These are only examples of excluded property. Review your policy to determine exclusions

under your contract.

Personal liability coverage

Personal liability — Provides coverage for a

claim or lawsuit resulting from bodily injury or

property damage to others caused by an accident on your property or as a result of your personal activities. Most policies provide a minimum amount of coverage, such as $100,000 per claim. Higher limits are available for an additional premium.

Medical payments — Provides coverage for medical expenses should others accidentally

be injured on your property or through

your personal activities. Coverage applies to necessary medical expenses and is typically

written with a $1,000 per person limit. However, higher limits are available for an additional premium. Medical payments do not apply to you or other household members.

In addition to the personal liability and medical payments coverages in your homeowners policy, there are other coverages, which may include the following:

• Damage to the property of others —

Covers when you damage property borrowed

from someone, or if you damage another person’s property.

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• Claim expenses — Coverage for expenses

incurred in a lawsuit, such as interest on court judgments or premiums on required bonds.

• First aid expenses — Covers expenses for first aid to others. (This does not apply to first

aid for the insured.)

Exclusions to personal liability coverages

Most homeowners policies, under the personal liability coverage section, do not provide coverage for loss to the following:

• Aircraft, automobile, recreational motor

vehicles, or watercraft (50 hp or more)

• Bodily injury or physical damage because of

professional services

• Bodily injury or physical damage caused by

intentional acts of the insured

Review your policy to determine your coverage.

Buy coverage to fit your needs

To avoid a major financial loss if your home is

badly damaged or destroyed, make sure you buy enough coverage.

Having the correct amount of coverage on a structure means the cost to rebuild the dwelling with materials of like kind and quality will be

covered at current reconstruction prices. You

don’t want to apply for more coverage than you need, but you don’t want to be underinsured either.

Property protection — The better your coverage, the less you will have to pay out

of your own pocket if disaster strikes. Your

contents limit is commonly calculated as a percentage of your dwelling coverage limit. Generally, it will be 50% of the amount of insurance on your house, unless you buy additional coverage. In other words, if your home is insured for $100,000, your contents limit would be $50,000.

Personal liability protection — You need

enough personal liability coverage to protect yourself from lawsuits resulting from your negligence. Higher limits are available for an additional premium.

Lender requirements — Usually, your lender will require you to name the lending institution as a loss payee. This protects the

lending institution in case of loss. You are not

required to purchase insurance from the insurer recommended by your lender. However, if you fail to keep insurance coverage in force, the lending institution will purchase coverage that

protects its financial interest, and you may have

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Dwelling: Replacement cost

Replacement cost on your dwelling is the amount it would take to repair or rebuild your home or replace damaged property with materials of similar kind and quality. Do not confuse replacement cost with market value. Market value is the value of property established by the price you agreed to pay for your home when purchased from the seller. The market value generally is not involved in determining what amount of coverage to purchase under a homeowners policy. In some situations, the replacement cost value may actually be higher than the market value of your home. Insurance coverage is based upon the construction replacement cost amount while market value is associated with real estate and

taxation valuations.

80% of replacement cost

the insurance company begins paying on a loss.

Your insurance company may have a separate,

higher deductible for the perils of wind and hail. A higher deductible will usually reduce the premium price of your homeowners insurance.

Policy coverages — Your home and

belongings are insured against the perils

specified in your policy. The specific policy you

purchase will depend on your unique needs. The more perils insured against, the more you will pay for the insurance policy.

• Basic form insures your property with limited coverage against the following basic perils:

fire or lightning; smoke damage; windstorm or hail; explosion; riot or civil commotion; aircraft; vehicles; theft; vandalism and malicious mischief; glass breakage; and

loss of property removed from premises

endangered by fire or other perils.

• Broad form covers more perils and provides

a broader protection base: falling objects; weight of ice, snow and sleet; collapse of building(s) or any part thereof; sudden

accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating

system; accidental discharge, leakage or overflow of water or steam; freezing of plumbing, heating and air-conditioning

systems; sudden and accidental damage from artificially generated currents to electrical

appliances and devices.

• Special form is the most common of all

homeowners forms. It usually offers all-peril

coverage on the structure and named peril coverages on your contents.

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the replacement cost, a penalty is applied for payment of claim(s) on partial losses.

For example, if it would cost $100,000

to replace your home and it is insured for 80% of the replacement value — or

$80,000 — when a fire causes a $25,000

loss, your insurance will pay the full $25,000. If it would cost $100,000 to replace your home but it is insured for less than 80% replacement — say, $60,000

- and a fire causes a $25,000 loss, your

company would pay for only part of the

loss. You would have to pay the balance

and any applicable deductible.

Dwelling: Actual cash value

In some cases, especially if you have an older home, insurance companies will only offer actual cash value coverage, rather than replacement cost coverage. Actual cash value is the amount it would take to repair or replace damage to your home after depreciation. Depreciation is the decrease in a home or property value because of age and wear and tear.

For example: A storm destroys your roof. Your roof has a 25-year useful life and is 10 years

old. The company pays based on the remaining 15 years. NOTE: No matter the value, the amount you receive will always be reduced by the amount of your deductible.

Contents: Actual cash value

or replacement cost

Most insurance companies provide coverage on the contents of your home on an actual

cash value basis. You may insure your personal

new couch now costs $900. If you have an actual cash value policy, you are entitled to the current value of the couch ($300) minus your deductible. If you have replacement cost coverage, you will be paid $300 for the couch’s current value. When you show proof of purchase of a replacement couch, you will receive the $600 minus your deductible.

Keep your receipts. Proof of purchase is

required to get the full replacement cost amount.

Keep your coverage current

Whether your home is insured for replacement cost or actual cash value, it is important to keep track of construction costs. For instance, the addition of a room, new insulation and

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Other property and personal liability

coverages

In addition to standard types of coverage, you may buy other types as separate policies or as

additions to your existing policy. These extra

coverages will add additional cost to your premium.

Inflation guard coverage is a practical procedure to help you maintain adequate protection. Even though the amount of homeowners insurance you carry should be at least 80% of your home replacement cost, that amount of coverage may not be enough

in the future. Inflation guard coverage provides

periodic increases in the policy limit and will allow the insurance company to automatically

change your policy limit when you renew. Not

all insurance companies offer this coverage.

Scheduled personal property coverage usually covers possessions such as jewelry, furs, stamps, coins, guns, computers, antiques

and other items that may exceed normal

limits in your homeowners insurance policy. These endorsements often provide broader coverage, for an additional charge, than that in a homeowners insurance policy. Other optional coverages include:

• Increased limits on money and securities kept

in your home

• Secondary residence premises (such as

vacation homes, etc.)

• Watercraft

• Higher limits of theft protection

• Theft or illegal use of credit or debit cards • Business activities and rental properties • Personal injury liability (slander, libel, etc.)

Fire and extended coverage

often are referred to as a dwelling or fire and extended coverage policy. They provide coverage for only your dwelling or structure.

This is not the same as a homeowners insurance policy. Coverage usually includes insurance against the following: fire or

lightning; windstorm or hail; explosion; riot or civil commotion; aircraft; vehicles; and smoke.

The policy does not cover contents or personal liability.

Flood insurance

All homeowners and property insurance

policies exclude damage from flood or rising water. However, flood insurance is available through the federal government’s National Flood Insurance Program (NFIP). If your home is located in a floodplain, your lender will require flood insurance.

For more information, contact the NFIP at its toll-free number: 888-379-9531. To obtain a flood brochure listing insurance companies that offer policies, contact the NFIP.

The Kansas Insurance Department does not regulate any federal insurance programs,

including the NFIP.

Earthquake insurance

Recently parts of Kansas have experienced an

increase in earthquake and ground movement. A standard homeowners policy does not cover

damage caused by earthquakes. You may

be able to obtain a rider or separate policy covering your home in case of earthquakes A standard earthquake policy will cover repairs to your home needed because of an

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A standard earthquake policy will not cover damage to your automobile or damage caused

by a fire, even if it was caused by an earthquake.

It also usually will not cover damage to land or

water damage (which would be covered by flood insurance). Ask your agent to clearly explain

what is and isn’t covered under an earthquake policy.

Umbrella liability policy

This policy provides an additional $1 million to $5 million of liability coverage beyond the limits of your homeowners personal liability coverage.

This is excess personal liability coverage that pays only after you exhaust the primary limits

of personal liability coverage.

The company providing personal liability coverage normally will require you to maintain certain limits of liability for your primary

personal liability coverage. Also, insurance companies will often require that they provide the primary coverage for your motor vehicles and your primary residence before they offer an umbrella liability policy.

Pricing and underwriting

The price of your insurance coverage is affected by both personal and company factors.

Personal factors

Type of construction: The premium for frame houses is usually more than for brick houses. The premium for houses with wood shingles is usually more than for houses with composition shingles.

building codes, your fire department’s equip-ment and the quality of your fire departequip-ment. Your address is assigned a fire-protection class

rating, ranging from 1 to 10 (1 being the most

protection). Most Kansas addresses fall into fire

protection classes ranging from 3 to 10 (see “Glossary of Terms” for more information).

Amount of coverage: The amount of coverage you buy for your house, contents and personal liability will affect the price you pay.

Deductible amount: A deductible is the

amount you pay out-of-pocket for each covered claim. Choosing a higher deductible will reduce

your premium. Most homeowners policies have a separate wind/hail deductible that is generally 1% or 2% of the amount of insurance carried on the structure. The deductible for all other perils is usually a dollar limit.

Age of the house: Some insurance companies

may offer new-home discounts, and some

com-panies may not offer insurance or only offer limited coverage on very old homes.

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• Being a nonsmoker • Being a senior citizen

• Having multiple types of insurance with the

same company

• Having a home security system, smoke detectors, fire extinguishers or a

dant roof

• Having dead bolt locks or a burglar alarm

Company factors

Loss experience: Premiums charged by

insur-ance companies in Kansas vary by company. An insurance company may adjust its premiums in

accordance with its own loss experience.

Insur-ance companies may also adjust their premiums

to reflect loss experience in a specific region

within a state. Adjustments may be made for losses in an entire area that result from other factors, including weather conditions and crime losses, etc. This method, called territorial rat

-ing, is intended to encourage price stability and competition.

Comparison shop: Often the only way to know if your insurance company is fairly pricing your premiums is to comparison shop.

You should consider getting quotes from at

least three companies. If you are shopping with an independent insurance agent/agency, make

sure you find out which company the agent is

representing. Independent agents can represent many insurance companies. Doing this means you won’t inadvertently obtain quotes from the same company twice. Shop carefully to get the best value for your dollar.

Underwriting guidelines

property does not meet the company’s under

-writing guidelines. Each company has its own underwriting guidelines, but typically might include the following:

• The condition of your home • A leaky or poorly maintained roof

• Poor property upkeep and maintenance (i.e.

painting, old wiring and plumbing)

• The amount of insurance required on the

structure

• Number of claims during the past 7 to 10

years

• Your personal credit history, in compliance

with federal guidelines

Also, when your homeowners policy is up for

renewal, the company may re-underwrite your property for the next policy term. Generally,

insurance companies are under not obligated by law to renew your homeowners or renters coverage.

Cancellation and nonrenewal

An insurance company may terminate your coverage, but it can only do so under certain

circumstances. Coverage may be canceled or nonrenewed. Cancellation means the company

terminates your policy before the policy term

expires. Nonrenewal means the company

refus-es to offer renewal when the current coverage

expires.

Cancellation

When you cancel your policy: You may cancel

your policy at any time by notifying the com

-pany and returning the policy to the com-pany. Any unused premium will be refunded to you. There may be a penalty if you cancel the policy

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Any unused premium will be refunded to you as described below:

1) For nonpayment of premium or installment when due. The insurance company may cancel your policy at any time by letting you know at least 10 days before the date of cancellation.

2) When the policy has been in effect for less

than 60 days and is a new policy, the

ance company may cancel at any time by letting you know at least 30 days before the effective date of the cancellation.

3) When the policy has been in effect for 60 days or more, or at renewal, your policy may be canceled for the following reasons:

• Insurance was obtained through

fraudulent misrepresentation

• Risk has substantially changed since the

policy was originally issued or was last renewed. This can be accomplished by notifying you in writing at least 30 days before the date the cancellation takes

place

Nonrenewal

Nonrenewal of your policy is always a company

option. If a company is not going to renew your

policy, it must give you a 30-day written notice before the expiration date of the policy.

To avoid cancellation or nonrenewal of your coverage, premium or installment payment for your homeowners insurance needs to be re

-ceived by the insurance company on or before

the due date.

Be a smart shopper

Taking time to shop for insurance can reward you with better prices and better service. Before you buy an insurance policy, do your research. Obtain quotes from several insurance companies, and compare coverages and premi

-ums. Include independent insurance agents in your search. Some insurance agents represent one company or company group, but many independent insurance agents represent several companies and can give you multiple quotes at one time.

Determine what coverages you want and need. For instance, if you have valuable stereo equip

-ment or if you need more than basic residential coverage for jewelry, collections or other valu

-ables, you may need endorsements that change or add coverage. Endorsements that add cover

-age will increase your premiums.

When you contact the insurance companies for quotes, answer questions truthfully. False infor

-mation may result in an incorrect quote, rejec

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-Consider higher deductibles: Your policy will

have deductibles. A deductible is the amount

you have to pay out-of-pocket on your claim

before the insurance company pays its portion. The higher your deductibles, the lower your premium. Save money on premiums by choos

-ing higher deductibles.

Ask about discounts: Insurance companies may offer policy discounts that will lower your premiums. Ask your agent what discounts the company offers and which would apply to you.

Ensure uninterrupted coverage: Never cancel an existing policy until you get your new policy

or a written binder. A binder is a temporary contract of insurance until the insurance com

-pany issues your policy contract. Don’t pay

cash to an individual agent. Pay with a personal

check or money order made out to the insur

-ance company or agency. Get a receipt for your payment.

It pays to shop around: Taking time to shop for insurance can reward you with better prices and better service. One insurance company’s premiums could be hundreds of dollars lower than that of another company for a policy with

similar coverages. Premiums shouldn’t be your only consideration. Choose an insurance

com-pany that provides good customer service and

is financially stable.

Also, it’s important to check that you’re buy

-ing from a licensed insurance agent/agency and insur

-ance companies admitted to do business in Kansas.

Policyholders of authorized

insurance companies are

company that is not authorized and it becomes insolvent, there is no guaranty association to protect you, and your claims might go unpaid. If you have any questions or concerns, contact

the Kansas Insurance Department Consumer Assistance Hotline at 800-432-2484.

Take inventory of your property: The easiest way to determine your insurance needs is to take a complete inventory of your home’s con

-tents or personal property and estimate their value. This will help you decide if you need to increase your coverage of your personal prop

-erty. Include estimated values with your list of items.

Photograph or videotape your personal

prop-erty. Also remember to periodically take photos of the outside of your home, especially before storm season begins. Save receipts from major purchases, such as furniture or electronic equip

-ment. Keep your inventory in a safe place away

from your home, such as in a safe-deposit box. You can also print the Kansas Insurance Depart-ment’s “Personal Home Inventory” booklet from

the department website, or you can request on

-line or by phone to have a copy mailed to you. If you have a mobile phone or tablet, you can also download the myHOME Scr.APP.book

mobile application from the National As-sociation of Insurance

Commis-sioners. This mobile app lets you quickly photograph and capture

descriptions of your posses

-sions room by room, then store the information electronically

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County Pages

Crawford

13-15

Ellis

16-18

Finney

19-21

County Pages

Johnson

22-24

Riley

25-27

Sedgwick

28-30

County Pages

Shawnee

31-33

Thomas

34-36

Wyandotte

37-39

Premiums quoted in this guide are annual

rates. Also, some companies in this booklet

use varying criteria, like ZIP codes, to set rates.

Contact your agent or agency for current

rates.

Location: Choose the county nearest you.

We have published premium quotes for nine

counties. Use the map above to find quotes

for the county nearest you.

Coverage: Next, select a coverage amount

($100,000, $150,000 or $250,000). Amounts

Amounts published may vary slightly from an

insurance company’s quoted amounts.

Check

with each company to verify exact coverages

and rates.

Class: Determine your fire protection class.

Classes are based on the firefighting capability

of a town, ranging from 1 (most protection)

to 10 (least protection). Rates will be higher in

rural areas (class 9 or 10). Your fire protection

class will be listed on your existing insurance

policy, or you can ask your insurance agent.

How to use the shopper’s guide that follows

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Crawford County

Homeowners - $100,000 coverage

Company Class 3 Class 7 Class 9 Class 10

Allstate Vehicle and Property Insurance Company $526 $587 $626 $649

American Family Mutual Insurance Company $1,500 $1,576 $2,101 $2,326

Armed Forces Insurance Exchange $622 $653 $1,089 $1,275

Auto Club Family Insurance Company $1,806 $1,806 $2,750 $3,659

Bremen Farmers Mutual Insurance Company $1,007 $1,007 $1,231 $1,455

Cincinnati Insurance Company $952 $1,011 $1,472 $1,699

CSAA Fire and Casualty Insurance Company $630 $662 $954 $1,089

Farm Bureau Property & Casualty Insurance Company $2,420 $2,780 $2,983 $3,865

Farmers Alliance Mutual Insurance Company $1,516 $1,616 $1,708 $1,934

Farmers Insurance Exchange $2,069 $2,122 $2,214 $2,296

Goodville Mutual Casualty Company $1,258 $1,258 $1,717 $2,087

Homesite Indemnity Company $787 $787 $1,287 $1,598

Kemper Independence Insurance Company $1,228 $1,340 $1,620 $2,068

Lititz Mutual Insurance Company $852 $895 $1,449 $1,705

Marysville Mutual Insurance Company $1,180 $1,180 $1,438 $1,765

Metropolitan Property & Casualty Insurance Company $1,010 $1,060 $1,464 $1,767

MutualAid Exchange $834 $834 $1,077 $1,177

SAFECO Insurance Company of America $852 $912 $1,594 $1,875

Shelter Mutual Insurance Company $1,388 $1,388 $1,856 $2,480

State Auto Property and Casualty Insurance Company $2,070 $2,092 $2,775 $3,872

State Farm Fire and Casualty Company $1,272 $1,401 $1,472 $1,546

Travelers Home and Marine Insurance Company (The) $673 $809 $1,078 $1,342 United Services Automobile Association $1,618 $1,681 $1,776 $1,776

USAA Casualty Insurance Company $1,808 $1,885 $1,999 $1,999

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Crawford County

Homeowners - $150,000 coverage

Alliance Indemnity Company $1,490 $1,579 $1,669 $1,890

Cincinnati Insurance Company $1,347 $1,430 $2,082 $2,403

CSAA Fire and Casualty Insurance Company $770 $811 $1,197 $1,375

Homesite Indemnity Company $1,040 $1,040 $1,712 $2,129

Lititz Mutual Insurance Company $1,301 $1,367 $2,213 $2,604

MutualAid Exchange $1,111 $1,111 $1,432 $1,568

SAFECO Insurance Company of America $1,247 $1,335 $2,332 $2,744

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Crawford County

Homeowners - $250,000 coverage

Allstate Vehicle and Property Insurance Company $963 $1,069 $1,138 $1,178

Armed Forces Insurance Exchange $1,335 $1,402 $2,338 $2,737

Travelers Home and Marine Insurance Company (The) $1,232 $1,469 $1,929 $2,372 United Services Automobile Association $2,230 $2,317 $2,448 $2,448

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Ellis County

Homeowners - $100,000 coverage

Bremen Farmers Mutual Insurance Company $979 $979 $1,197 $1,414

Goodville Mutual Casualty Company $871 $871 $1,189 $1,445

SAFECO Insurance Company of America $988 $1,057 $1,847 $2,173

Travelers Home and Marine Insurance Company (The) $958 $1,105 $1,341 $1,540 United Services Automobile Association $1,907 $1,953 $2,023 $2,023

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Ellis County

Homeowners - $150,000 coverage

CSAA Fire and Casualty Insurance Company $975 $1,030 $1,543 $1,778

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Ellis County

Homeowners - $250,000 coverage

Allstate Vehicle and Property Insurance Company $1,053 $1,127 $1,175 $1,203

CSAA Fire and Casualty Insurance Company $975 $1,030 $1,543 $1,778

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Finney County

Homeowners - $100,000 coverage

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Finney County

Homeowners - $150,000 coverage

Armed Forces Insurance Exchange $978 $1,027 $1,710 $2,004

CSAA Fire and Casualty Insurance Company $1,004 $1,061 $1,591 $1,835

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Finney County

Homeowners - $250,000 coverage

Allstate Vehicle and Property Insurance Company $1,053 $1,127 $1,175 $1,203

CSAA Fire and Casualty Insurance Company $1,004 $1,061 $1,591 $1,835

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Johnson County

Homeowners - $100,000 coverage

Armed Forces Insurance Exchange $546 $573 $956 $1,119

Auto Club Family Insurance Company $946 $980 $1,496 $2,005

Cincinnati Insurance Company $885 $940 $1,368 $1,579

Kemper Independence Insurance Company $925 $1,007 $1,212 $1,539

Metropolitan Property & Casualty Insurance Company $917 $963 $1,330 $1,605

MutualAid Exchange $619 $619 $798 $873

Travelers Home and Marine Insurance Company (The) $551 $677 $912 $1,142 United Services Automobile Association $1,515 $1,573 $1,660 $1,660

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Johnson County

Homeowners - $150,000 coverage

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Johnson County

Homeowners - $250,000 coverage

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Riley County

Homeowners - $100,000 coverage

CSAA Fire and Casualty Insurance Company $583 $611 $876 $998

Marysville Mutual Insurance Company $966 $966 $1,178 $1,445

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Riley County

Homeowners - $150,000 coverage

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Riley County

Homeowners - $250,000 coverage

Allstate Vehicle and Property Insurance Company $928 $1,003 $1,052 $1,081

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Sedgwick County

Homeowners - $100,000 coverage

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Sedgwick County

Homeowners - $150,000 coverage

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Sedgwick County

Homeowners - $250,000 coverage

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Shawnee County

Homeowners - $100,000 coverage

Kemper Independence Insurance Company $902 $981 $1,180 $1,497

Marysville Mutual Insurance Company $966 $966 $1,178 $1,445

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Shawnee County

Homeowners - $150,000 coverage

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