Renters insurance shopper s guide

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1 Kansas Insurance Department Homeowners and Renters insurance shopper s guide effective April 1, 2015 Ken Selzer, CPA Commissioner of Insurance

2 Homeowners and Renters Insurance and Shopper s Guide 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 Our trained staff is dedicated to helping answer your insurance questions and finding solutions to your problems. Sincerely, Ken Selzer, CPA Commissioner of Insurance

3 Table of Contents 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 provide comparisons of premium rates from the top volume writers of homeowners insurance in Kansas. Those companies account for 80 percent of total premium written in the state. This guide is not an endorsement of any insurance company s homeowners or renters insurance policies.

4 Section I: Homeowners Insurance 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 Dwelling Provides coverage that protects your primary residence and attached structures. It also covers fixtures in the house, such as built-in appliances, plumbing, heating and 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 apply. Ask if your policy covers the following: Debris removal Reasonable repairs Damaged trees, shrubs and other plants Fire department service charges Theft or illegal use of credit or debit cards Page 2

5 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. Page 3

6 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 to pay for this coverage. This type of coverage is more expensive than an insurance policy you would purchase. Deductible requirements Homeowners policies require you to specify a deductible, which is the amount of money you pay before Page 4

7 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. Insurance companies will provide coverage on either a replacement cost or an actual cash value basis. Insurers will impose some coverage requirements for replacement cost protection. Definitions of replacement cost and actual cash value follow. 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 Most insurance companies require a homeowner to insure a structure for at least 80% of the replacement cost value during the entire term (365 days) of coverage. If the homeowner fails to insure for at least 80% of Page 5

8 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 belongings for replacement cost, but you ll pay a higher premium. For example, in 2007 you purchased a couch for $700. Your couch is destroyed in 2015 and is worth only $300 because of age and wear and tear. A Page 6 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 yearly inflation all increase the value of your home. It is your responsibility to update your coverage so that you will be fully covered in case of a loss. Inflation protection coverage may be added to your policy for an additional cost.

9 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 Your dwelling may not meet an insurance company s underwriting requirements to qualify for a standard homeowners policy. Therefore, a company may offer you limited coverage on your home. These limited insurance policies 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: 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 earthquake. It may also cover other structures not attached to your home, like a garage. It will also cover any personal property that is damaged by an earthquake directly. Page 7

10 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. Local fire protection: Because fire and smoke damage cause millions of dollars in losses annually, insurance companies take into account a community s firefighting capability when determining premiums. Factors include water supply, building codes, your fire department s equipment and the quality of your fire department. 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 companies may not offer insurance or only offer limited coverage on very old homes. Discounts: By qualifying for certain discounts, you may be able to lower your premium. Not all insurance companies offer the same discounts. Ask your insurance company or agent what discounts are offered. Possible discounts include: Page 8

11 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 fire-retardant roof Having dead bolt locks or a burglar alarm Company factors Loss experience: Premiums charged by insurance companies in Kansas vary by company. An insurance company may adjust its premiums in accordance with its own loss experience. Insurance 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 rating, 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 Underwriting guidelines are the standards and rules insurance companies use to decide whether to offer or renew insurance coverage. An insurance company may decline your application or renewal for coverage if you or your property does not meet the company s underwriting 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 refuses 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 company and returning the policy to the company. Any unused premium will be refunded to you. There may be a penalty if you cancel the policy during the term of coverage. When the insurance company cancels your policy: The insurance company may cancel your policy at any time for the reasons stated on the next page. Page 9

12 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 insurance 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 received 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 premiums. 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 equipment or if you need more than basic residential coverage for jewelry, collections or other valuables, you may need endorsements that change or add coverage. Endorsements that add coverage will increase your premiums. When you contact the insurance companies for quotes, answer questions truthfully. False information may result in an incorrect quote, rejection of your insurance application or cancellation of your policy. Page 10

13 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 choosing 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 company issues your policy contract. Don t pay cash to an individual agent. Pay with a personal check or money order made out to the insurance 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 company that provides good customer service and is financially stable. Also, it s important to check that you re buying from a licensed insurance agent/agency and insurance companies admitted to do business in Kansas. Policyholders of authorized insurance companies are protected by guaranty associations, which pay claims if an authorized insurance company becomes unable to pay its claims (insolvent). If you have insurance from a 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 Take inventory of your property: The easiest way to determine your insurance needs is to take a complete inventory of your home s contents or personal property and estimate their value. This will help you decide if you need to increase your coverage of your personal property. Include estimated values with your list of items. Photograph or videotape your personal property. 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 equipment. 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 Department s Personal Home Inventory booklet from the department website, or you can request online 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 Association of Insurance Commissioners. This mobile app lets you quickly photograph and capture descriptions of your possessions room by room, then store the information electronically for safekeeping. The app is available for both Apple and Android users. You can find it in the app store of your mobile device. Page 11

14 County Pages Crawford Ellis Finney County Pages Johnson Riley Sedgwick County Pages Shawnee Thomas Wyandotte How to use the shopper s guide that follows 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 listed assume replacement cost coverage values with wood frame construction. 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. To search the rates for your county, go online to our website at Page 12

15 Crawford County Homeowners - $100,000 coverage 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 USAA General Indemnity Company $1,898 $1,975 $2,089 $2,089 Page 13

16 Crawford County Homeowners - $150,000 coverage Alliance Indemnity Company $1,490 $1,579 $1,669 $1,890 Allstate Vehicle and Property Insurance Company $729 $827 $890 $927 American Family Mutual Insurance Company $2,057 $2,159 $2,879 $3,188 Armed Forces Insurance Exchange $827 $868 $1,448 $1,696 Auto Club Family Insurance Company $2,472 $2,472 $3,764 $5,008 Bremen Farmers Mutual Insurance Company $1,481 $1,481 $1,965 $2,318 Cincinnati Insurance Company $1,347 $1,430 $2,082 $2,403 CSAA Fire and Casualty Insurance Company $770 $811 $1,197 $1,375 Farm Bureau Property & Casualty Insurance Company $3,145 $3,652 $3,811 $5,204 Farmers Alliance Mutual Insurance Company $2,206 $2,338 $2,470 $2,799 Farmers Insurance Exchange $3,023 $3,101 $3,230 $3,348 Goodville Mutual Casualty Company $1,674 $1,674 $2,286 $2,778 Homesite Indemnity Company $1,040 $1,040 $1,712 $2,129 Kemper Independence Insurance Company $1,416 $1,546 $1,873 $2,396 Lititz Mutual Insurance Company $1,301 $1,367 $2,213 $2,604 Marysville Mutual Insurance Company $1,542 $1,542 $1,882 $2,312 Metropolitan Property & Casualty Insurance Company $1,242 $1,304 $1,801 $2,174 MutualAid Exchange $1,111 $1,111 $1,432 $1,568 SAFECO Insurance Company of America $1,247 $1,335 $2,332 $2,744 Shelter Mutual Insurance Company $1,800 $1,800 $2,409 $3,218 State Auto Property and Casualty Insurance Company $2,663 $2,691 $3,568 $4,982 State Farm Fire and Casualty Company $1,603 $1,766 $1,855 $1,947 Travelers Home and Marine Insurance Company (The) $823 $983 $1,294 $1,593 United Services Automobile Association $1,782 $1,852 $1,957 $1,957 USAA Casualty Insurance Company $1,992 $2,077 $2,204 $2,204 USAA General Indemnity Company $2,095 $2,180 $2,306 $2,306 Page 14

17 Crawford County Homeowners - $250,000 coverage Alliance Indemnity Company $2,271 $2,408 $2,544 $2,883 Allstate Vehicle and Property Insurance Company $963 $1,069 $1,138 $1,178 American Family Mutual Insurance Company $3,114 $3,270 $4,359 $4,826 Armed Forces Insurance Exchange $1,335 $1,402 $2,338 $2,737 Auto Club Family Insurance Company $3,537 $3,537 $5,385 $7,166 Bremen Farmers Mutual Insurance Company $2,414 $2,414 $3,208 $3,770 Cincinnati Insurance Company $2,077 $2,205 $3,211 $3,706 CSAA Fire and Casualty Insurance Company $770 $811 $1,197 $1,375 Farm Bureau Property & Casualty Insurance Company $4,444 $5,191 $5,621 $7,785 Farmers Alliance Mutual Insurance Company $3,435 $3,642 $3,848 $4,360 Farmers Insurance Exchange $4,487 $4,611 $4,812 $4,996 Goodville Mutual Casualty Company $2,690 $2,690 $3,671 $4,462 Homesite Indemnity Company $1,558 $1,558 $2,580 $3,215 Kemper Independence Insurance Company $1,602 $1,751 $2,125 $2,722 Lititz Mutual Insurance Company $1,891 $1,986 $3,215 $3,783 Marysville Mutual Insurance Company $2,478 $2,478 $3,026 $3,715 Metropolitan Property & Casualty Insurance Company $1,838 $1,930 $2,665 $3,217 MutualAid Exchange $1,781 $1,781 $2,300 $2,513 SAFECO Insurance Company of America $1,925 $2,060 $3,600 $4,235 Shelter Mutual Insurance Company $2,840 $2,840 $3,800 $5,076 State Auto Property and Casualty Insurance Company $3,832 $3,871 $5,134 $7,167 State Farm Fire and Casualty Company $2,067 $2,278 $2,392 $2,512 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 USAA Casualty Insurance Company $2,494 $2,600 $2,758 $2,758 USAA General Indemnity Company $2,630 $2,736 $2,893 $2,893 Page 15

18 Ellis County Homeowners - $100,000 coverage Allstate Vehicle and Property Insurance Company $552 $595 $623 $639 American Family Mutual Insurance Company $1,996 $2,095 $2,794 $3,093 Armed Forces Insurance Exchange $710 $746 $1,243 $1,456 Auto Club Family Insurance Company $2,346 $2,346 $3,578 $4,755 Bremen Farmers Mutual Insurance Company $979 $979 $1,197 $1,414 Cincinnati Insurance Company $1,076 $1,142 $1,661 $1,917 CSAA Fire and Casualty Insurance Company $790 $832 $1,220 $1,399 Farm Bureau Property & Casualty Insurance Company $2,950 $3,276 $3,431 $4,092 Farmers Alliance Mutual Insurance Company $1,669 $1,769 $1,868 $2,117 Farmers Insurance Exchange $2,708 $2,747 $2,817 $2,877 Goodville Mutual Casualty Company $871 $871 $1,189 $1,445 Homesite Indemnity Company $950 $950 $1,453 $1,766 Kemper Independence Insurance Company $2,131 $2,334 $2,840 $3,649 Lititz Mutual Insurance Company $1,000 $1,050 $1,700 $2,001 Marysville Mutual Insurance Company $1,328 $1,328 $1,619 $1,986 Metropolitan Property & Casualty Insurance Company $1,098 $1,153 $1,593 $1,922 MutualAid Exchange $787 $787 $1,015 $1,110 SAFECO Insurance Company of America $988 $1,057 $1,847 $2,173 Shelter Mutual Insurance Company $1,655 $1,655 $2,434 $3,252 State Auto Property and Casualty Insurance Company $2,081 $2,103 $2,789 $3,891 State Farm Fire and Casualty Company $2,806 $3,092 $3,248 $3,410 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 USAA Casualty Insurance Company $2,128 $2,185 $2,270 $2,270 USAA General Indemnity Company $2,264 $2,321 $2,406 $2,406 Page 16

19 Ellis County Homeowners - $150,000 coverage Alliance Indemnity Company $1,631 $1,729 $1,826 $2,070 Allstate Vehicle and Property Insurance Company $769 $834 $875 $900 American Family Mutual Insurance Company $2,735 $2,872 $3,829 $4,239 Armed Forces Insurance Exchange $944 $992 $1,653 $1,936 Auto Club Family Insurance Company $3,211 $3,211 $4,898 $6,508 Bremen Farmers Mutual Insurance Company $1,439 $1,439 $1,910 $2,253 Cincinnati Insurance Company $1,521 $1,615 $2,350 $2,712 CSAA Fire and Casualty Insurance Company $975 $1,030 $1,543 $1,778 Farm Bureau Property & Casualty Insurance Company $3,758 $4,085 $4,298 $5,385 Farmers Alliance Mutual Insurance Company $2,414 $2,559 $2,703 $3,064 Farmers Insurance Exchange $3,979 $4,036 $4,132 $4,219 Goodville Mutual Casualty Company $1,159 $1,159 $1,582 $1,923 Homesite Indemnity Company $1,255 $1,255 $1,931 $2,351 Kemper Independence Insurance Company $2,470 $2,706 $3,297 $4,241 Lititz Mutual Insurance Company $1,527 $1,603 $2,596 $3,056 Marysville Mutual Insurance Company $1,736 $1,736 $2,119 $2,603 Metropolitan Property & Casualty Insurance Company $1,351 $1,419 $1,959 $2,365 MutualAid Exchange $1,049 $1,049 $1,351 $1,479 SAFECO Insurance Company of America $1,445 $1,547 $2,703 $3,180 Shelter Mutual Insurance Company $2,149 $2,149 $3,158 $4,222 State Auto Property and Casualty Insurance Company $2,677 $2,704 $3,588 $5,005 State Farm Fire and Casualty Company $3,536 $3,896 $4,093 $4,297 Travelers Home and Marine Insurance Company (The) $1,185 $1,362 $1,637 $1,863 United Services Automobile Association $2,104 $2,155 $2,233 $2,233 USAA Casualty Insurance Company $2,348 $2,412 $2,507 $2,507 USAA General Indemnity Company $2,503 $2,566 $2,661 $2,661 Page 17

20 Ellis County Homeowners - $250,000 coverage Alliance Indemnity Company $2,487 $2,635 $2,785 $3,157 Allstate Vehicle and Property Insurance Company $1,053 $1,127 $1,175 $1,203 American Family Mutual Insurance Company $4,141 $4,348 $5,797 $6,418 Armed Forces Insurance Exchange $1,524 $1,602 $2,669 $3,126 Auto Club Family Insurance Company $4,595 $4,595 $7,008 $9,312 Bremen Farmers Mutual Insurance Company $2,346 $2,346 $3,117 $3,663 Cincinnati Insurance Company $2,346 $2,491 $3,625 $4,184 CSAA Fire and Casualty Insurance Company $975 $1,030 $1,543 $1,778 Farm Bureau Property & Casualty Insurance Company $5,249 $5,911 $6,240 $7,926 Farmers Alliance Mutual Insurance Company $3,761 $3,986 $4,211 $4,774 Farmers Insurance Exchange $5,908 $5,998 $6,147 $6,283 Goodville Mutual Casualty Company $1,862 $1,862 $2,542 $3,089 Homesite Indemnity Company $1,876 $1,876 $2,905 $3,544 Kemper Independence Insurance Company $2,806 $3,076 $3,750 $4,829 Lititz Mutual Insurance Company $2,219 $2,330 $3,772 $4,440 Marysville Mutual Insurance Company $2,790 $2,790 $3,407 $4,183 Metropolitan Property & Casualty Insurance Company $2,000 $2,100 $2,899 $3,500 MutualAid Exchange $1,682 $1,682 $2,170 $2,373 SAFECO Insurance Company of America $2,231 $2,387 $4,172 $4,908 Shelter Mutual Insurance Company $3,391 $3,391 $4,981 $6,660 State Auto Property and Casualty Insurance Company $3,851 $3,891 $5,162 $7,201 State Farm Fire and Casualty Company $4,560 $5,025 $5,277 $5,541 Travelers Home and Marine Insurance Company (The) $1,805 $2,073 $2,485 $2,819 United Services Automobile Association $2,642 $2,706 $2,803 $2,803 USAA Casualty Insurance Company $2,950 $3,029 $3,148 $3,148 USAA General Indemnity Company $3,153 $3,232 $3,350 $3,350 Page 18

21 Finney County Homeowners - $100,000 coverage Allstate Vehicle and Property Insurance Company $552 $595 $623 $639 American Family Mutual Insurance Company $1,714 $1,800 $2,399 $2,656 Armed Forces Insurance Exchange $735 $772 $1,286 $1,507 Auto Club Family Insurance Company $2,346 $2,346 $3,578 $4,755 Bremen Farmers Mutual Insurance Company $1,160 $1,160 $1,419 $1,677 Cincinnati Insurance Company $1,076 $1,142 $1,661 $1,917 CSAA Fire and Casualty Insurance Company $812 $855 $1,258 $1,443 Farm Bureau Property & Casualty Insurance Company $3,163 $3,557 $3,759 $4,634 Farmers Alliance Mutual Insurance Company $1,669 $1,769 $1,868 $2,117 Farmers Insurance Exchange $2,722 $2,759 $2,833 $2,895 Goodville Mutual Casualty Company $843 $843 $1,150 $1,398 Homesite Indemnity Company $963 $963 $1,458 $1,766 Kemper Independence Insurance Company $2,131 $2,334 $2,840 $3,649 Lititz Mutual Insurance Company $1,000 $1,050 $1,700 $2,001 Marysville Mutual Insurance Company $1,369 $1,369 $1,668 $2,047 Metropolitan Property & Casualty Insurance Company $1,096 $1,152 $1,590 $1,919 MutualAid Exchange $892 $892 $1,149 $1,258 SAFECO Insurance Company of America $887 $949 $1,659 $1,952 Shelter Mutual Insurance Company $1,668 $1,668 $2,457 $3,281 State Auto Property and Casualty Insurance Company $2,284 $2,307 $3,060 $4,273 State Farm Fire and Casualty Company $2,806 $3,092 $3,248 $3,410 Travelers Home and Marine Insurance Company (The) $959 $1,104 $1,331 $1,519 United Services Automobile Association $2,366 $2,416 $2,491 $2,491 USAA Casualty Insurance Company $2,643 $2,705 $2,797 $2,797 USAA General Indemnity Company $2,842 $2,904 $2,996 $2,996 Page 19

22 Finney County Homeowners - $150,000 coverage Alliance Indemnity Company $1,631 $1,729 $1,826 $2,070 Allstate Vehicle and Property Insurance Company $769 $834 $875 $900 American Family Mutual Insurance Company $2,349 $2,466 $3,288 $3,640 Armed Forces Insurance Exchange $978 $1,027 $1,710 $2,004 Auto Club Family Insurance Company $3,211 $3,211 $4,898 $6,508 Bremen Farmers Mutual Insurance Company $1,707 $1,707 $2,267 $2,674 Cincinnati Insurance Company $1,521 $1,615 $2,350 $2,712 CSAA Fire and Casualty Insurance Company $1,004 $1,061 $1,591 $1,835 Farm Bureau Property & Casualty Insurance Company $3,937 $4,471 $4,749 $6,155 Farmers Alliance Mutual Insurance Company $2,414 $2,559 $2,703 $3,064 Farmers Insurance Exchange $3,987 $4,043 $4,144 $4,231 Goodville Mutual Casualty Company $1,122 $1,122 $1,531 $1,861 Homesite Indemnity Company $1,272 $1,272 $1,937 $2,349 Kemper Independence Insurance Company $2,470 $2,706 $3,297 $4,241 Lititz Mutual Insurance Company $1,527 $1,603 $2,596 $3,056 Marysville Mutual Insurance Company $1,789 $1,789 $2,184 $2,681 Metropolitan Property & Casualty Insurance Company $1,349 $1,417 $1,956 $2,360 MutualAid Exchange $1,188 $1,188 $1,531 $1,674 SAFECO Insurance Company of America $1,298 $1,389 $2,428 $2,856 Shelter Mutual Insurance Company $2,166 $2,166 $3,189 $4,258 State Auto Property and Casualty Insurance Company $2,938 $2,967 $3,936 $5,495 State Farm Fire and Casualty Company $3,536 $3,896 $4,093 $4,297 Travelers Home and Marine Insurance Company (The) $1,187 $1,361 $1,627 $1,840 United Services Automobile Association $2,615 $2,670 $2,754 $2,754 USAA Casualty Insurance Company $2,922 $2,991 $3,094 $3,094 USAA General Indemnity Company $3,147 $3,216 $3,318 $3,318 Page 20

23 Finney County Homeowners - $250,000 coverage Alliance Indemnity Company $2,487 $2,635 $2,785 $3,157 Allstate Vehicle and Property Insurance Company $1,053 $1,127 $1,175 $1,203 American Family Mutual Insurance Company $3,555 $3,734 $4,978 $5,512 Armed Forces Insurance Exchange $1,578 $1,657 $2,761 $3,236 Auto Club Family Insurance Company $4,595 $4,595 $7,008 $9,312 Bremen Farmers Mutual Insurance Company $2,786 $2,786 $3,702 $4,350 Cincinnati Insurance Company $2,346 $2,491 $3,625 $4,184 CSAA Fire and Casualty Insurance Company $1,004 $1,061 $1,591 $1,835 Farm Bureau Property & Casualty Insurance Company $5,701 $6,508 $6,938 $9,122 Farmers Alliance Mutual Insurance Company $3,761 $3,986 $4,211 $4,774 Farmers Insurance Exchange $5,910 $5,997 $6,152 $6,288 Goodville Mutual Casualty Company $1,802 $1,802 $2,459 $2,989 Homesite Indemnity Company $1,901 $1,901 $2,913 $3,541 Kemper Independence Insurance Company $2,806 $3,076 $3,750 $4,829 Lititz Mutual Insurance Company $2,219 $2,330 $3,772 $4,440 Marysville Mutual Insurance Company $2,876 $2,876 $3,511 $4,311 Metropolitan Property & Casualty Insurance Company $1,996 $2,096 $2,895 $3,493 MutualAid Exchange $1,906 $1,906 $2,455 $2,688 SAFECO Insurance Company of America $2,004 $2,144 $3,747 $4,409 Shelter Mutual Insurance Company $3,418 $3,418 $5,032 $6,716 State Auto Property and Casualty Insurance Company $4,228 $4,269 $5,664 $7,906 State Farm Fire and Casualty Company $4,560 $5,025 $5,277 $5,541 Travelers Home and Marine Insurance Company (The) $1,808 $2,071 $2,469 $2,784 United Services Automobile Association $3,293 $3,363 $3,467 $3,467 USAA Casualty Insurance Company $3,682 $3,768 $3,896 $3,896 USAA General Indemnity Company $3,975 $4,060 $4,188 $4,188 Page 21

24 Johnson County Homeowners - $100,000 coverage Allstate Vehicle and Property Insurance Company $426 $479 $515 $536 American Family Mutual Insurance Company $1,332 $1,398 $1,864 $2,064 Armed Forces Insurance Exchange $546 $573 $956 $1,119 Auto Club Family Insurance Company $946 $980 $1,496 $2,005 Bremen Farmers Mutual Insurance Company $841 $841 $1,027 $1,213 Cincinnati Insurance Company $885 $940 $1,368 $1,579 CSAA Fire and Casualty Insurance Company $631 $663 $956 $1,091 Farm Bureau Property & Casualty Insurance Company $1,845 $2,093 $2,225 $2,892 Farmers Alliance Mutual Insurance Company $1,679 $1,779 $1,879 $2,130 Farmers Insurance Exchange $1,848 $1,898 $1,983 $2,060 Goodville Mutual Casualty Company $984 $984 $1,343 $1,632 Homesite Indemnity Company $831 $831 $1,324 $1,629 Kemper Independence Insurance Company $925 $1,007 $1,212 $1,539 Lititz Mutual Insurance Company $887 $932 $1,508 $1,774 Marysville Mutual Insurance Company $1,099 $1,099 $1,339 $1,643 Metropolitan Property & Casualty Insurance Company $917 $963 $1,330 $1,605 MutualAid Exchange $619 $619 $798 $873 SAFECO Insurance Company of America $666 $713 $1,246 $1,466 Shelter Mutual Insurance Company $1,196 $1,196 $1,609 $2,146 State Auto Property and Casualty Insurance Company $1,849 $1,867 $2,478 $3,457 State Farm Fire and Casualty Company $1,272 $1,401 $1,472 $1,546 Travelers Home and Marine Insurance Company (The) $551 $677 $912 $1,142 United Services Automobile Association $1,515 $1,573 $1,660 $1,660 USAA Casualty Insurance Company $1,691 $1,761 $1,867 $1,867 USAA General Indemnity Company $1,765 $1,835 $1,940 $1,940 Page 22

25 Johnson County Homeowners - $150,000 coverage Alliance Indemnity Company $1,641 $1,739 $1,835 $2,082 Allstate Vehicle and Property Insurance Company $550 $634 $689 $723 American Family Mutual Insurance Company $1,825 $1,916 $2,555 $2,829 Armed Forces Insurance Exchange $726 $762 $1,271 $1,488 Auto Club Family Insurance Company $1,295 $1,342 $2,048 $2,744 Bremen Farmers Mutual Insurance Company $1,234 $1,234 $1,638 $1,932 Cincinnati Insurance Company $1,252 $1,329 $1,935 $2,233 CSAA Fire and Casualty Insurance Company $771 $812 $1,200 $1,377 Farm Bureau Property & Casualty Insurance Company $2,378 $2,725 $2,913 $3,861 Farmers Alliance Mutual Insurance Company $2,430 $2,573 $2,718 $3,082 Farmers Insurance Exchange $2,700 $2,773 $2,893 $3,003 Goodville Mutual Casualty Company $1,310 $1,310 $1,788 $2,173 Homesite Indemnity Company $1,099 $1,099 $1,759 $2,170 Kemper Independence Insurance Company $1,062 $1,158 $1,396 $1,778 Lititz Mutual Insurance Company $1,354 $1,423 $2,303 $2,709 Marysville Mutual Insurance Company $1,436 $1,436 $1,753 $2,153 Metropolitan Property & Casualty Insurance Company $1,128 $1,185 $1,636 $1,974 MutualAid Exchange $824 $824 $1,061 $1,162 SAFECO Insurance Company of America $975 $1,043 $1,823 $2,145 Shelter Mutual Insurance Company $1,553 $1,553 $2,088 $2,783 State Auto Property and Casualty Insurance Company $2,378 $2,402 $3,187 $4,447 State Farm Fire and Casualty Company $1,603 $1,766 $1,855 $1,947 Travelers Home and Marine Insurance Company (The) $670 $817 $1,088 $1,349 United Services Automobile Association $1,667 $1,731 $1,828 $1,828 USAA Casualty Insurance Company $1,861 $1,939 $2,056 $2,056 USAA General Indemnity Company $1,946 $2,024 $2,140 $2,140 Page 23

26 Johnson County Homeowners - $250,000 coverage Alliance Indemnity Company $2,501 $2,651 $2,800 $3,174 Allstate Vehicle and Property Insurance Company $681 $777 $842 $882 American Family Mutual Insurance Company $2,762 $2,901 $3,868 $4,282 Armed Forces Insurance Exchange $1,172 $1,230 $2,053 $2,402 Auto Club Family Insurance Company $1,853 $1,920 $2,930 $3,927 Bremen Farmers Mutual Insurance Company $2,010 $2,010 $2,671 $3,138 Cincinnati Insurance Company $1,930 $2,049 $2,984 $3,445 CSAA Fire and Casualty Insurance Company $771 $812 $1,200 $1,377 Farm Bureau Property & Casualty Insurance Company $3,451 $3,846 $4,130 $5,567 Farmers Alliance Mutual Insurance Company $3,783 $4,009 $4,234 $4,803 Farmers Insurance Exchange $4,014 $4,129 $4,316 $4,488 Goodville Mutual Casualty Company $2,104 $2,104 $2,872 $3,490 Homesite Indemnity Company $1,644 $1,644 $2,650 $3,274 Kemper Independence Insurance Company $1,198 $1,307 $1,579 $2,015 Lititz Mutual Insurance Company $1,968 $2,068 $3,346 $3,937 Marysville Mutual Insurance Company $2,307 $2,307 $2,818 $3,460 Metropolitan Property & Casualty Insurance Company $1,670 $1,753 $2,421 $2,921 MutualAid Exchange $1,322 $1,322 $1,704 $1,865 SAFECO Insurance Company of America $1,505 $1,610 $2,814 $3,311 Shelter Mutual Insurance Company $2,450 $2,450 $3,294 $4,392 State Auto Property and Casualty Insurance Company $3,422 $3,456 $4,586 $6,397 State Farm Fire and Casualty Company $2,067 $2,278 $2,392 $2,512 Travelers Home and Marine Insurance Company (The) $1,004 $1,225 $1,628 $2,014 United Services Automobile Association $2,083 $2,163 $2,282 $2,282 USAA Casualty Insurance Company $2,326 $2,423 $2,569 $2,569 USAA General Indemnity Company $2,439 $2,536 $2,681 $2,681 Page 24

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