Terms Of Use

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Reserve National Insurance Company is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Reserve National Insurance Company Web site and governs data collection and usage. By using the Reserve National Insurance Company website, you consent to the data practices described in this statement.
 
LEGAL NOTICE
 
You are on the website of Kemper Corporation (referred to herein as "Kemper"). Use of this site is expressly conditioned on your acceptance of the Terms and Conditions below. If you do not wish to be bound by the Terms and Conditions, please discontinue using and accessing this site immediately. Kemper reserves the right to change the Terms and Conditions at any time without notice.
 
TERMS AND CONDITIONS
 
Purpose of Information on Website
The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. Please link to the websites of the principal businesses of the Kemper family to find more information about the various products and services offered by each of them. All products and services are subject to the qualification requirements that the business segment has established, and may be changed at any time without notice. Products and services referenced in this site may not be available in all jurisdictions, nor in all underwriting companies or by all of our principal businesses. The Kemper businesses only offer insurance in the United States.
 
Nothing in this website should be construed to represent what sort of coverage, if any, may apply to any type of claim or loss or what coverage is included within any type of policy. Policy provisions can vary by state, program and company. In addition, state law may impact the application or meaning of a policy. Descriptions of insurance on this website are intended to be very general in nature and actual policy terms may differ significantly from the coverage described herein.
 
Links to Kemper Family Sites
All of our businesses are managed separately; and each sets its own rates, product offerings and markets. Each of our businesses also has its own website that they individually manage. They are subject to their own terms and conditions. Kemper is a holding company. It owns various businesses which write insurance and provide certain services to customers. Kemper itself does not write insurance, adjust or pay claims, or provide other insurance services. Requests for insurance transactions such as these on our website are thus generally automatically routed directly to an affiliate company. Please check the applicable terms of use and privacy policy of the sites of the individual businesses for information pertinent to their businesses, their web pages and practices.
 
Links to External Websites
The links to other internet sites may be accessed through this web site for your convenience only. Such external internet addresses contain information created, published, maintained, or otherwise posted by organizations and entities independent of Kemper. Kemper is not responsible for the content of those sites nor does it approve, endorse or certify information available at these sites or any linked addresses contained herein. Kemper makes no warranties and hereby disclaims all liability as to the accuracy of the content and to any representations made concerning the quality of products or services provided on those sites or web pages. Kemper is also not responsible for the privacy policies or practices of those sites or of those companies.
 
Intellectual Property Rights / Reproduction of Information Prohibited
The contents of this site are protected by applicable copyright or other intellectual property laws. The trademarks, service marks, logos, and other such intellectual property displayed on this site are the property of Kemper or its subsidiaries, unless otherwise disclosed. You may print a copy of the information contained herein for your personal non-commercial use only. You may not, however, copy, reproduce or distribute any of the text or other data or information on our website or make copies of all or substantially all of our website or link to it, absent specific, prior written permission from Kemper. You also may not delete or alter copies of the original to exclude copyright or other notices. Finally, you may not use our logo or service mark in advertising or publicity without specific, prior written permission from Kemper.
 
Updating of Information Disclaimer
The information presented on this website was believed to be accurate at the time it was published. While Kemper periodically updates the information on this website, the information is subject to change without notice, and Kemper makes no guarantee as to the timeliness or accuracy of any material presented on this site at the time accessed. Kemper is not responsible, and hereby disclaims liability, for any errors, omissions or availability of this information. We reserve the right to add, remove and change information at any time without notice.
 
Kemper collects information relating to your domain and usage of our website when you access it. We may, for instance, store information about when and how you accessed our site, your location, and your internet address. We may also keep data as to which pages you reviewed, how you moved around our site and various functions you may have used on our site.
 
Information Sharing
Each of our businesses has privacy policies which you should read. When you provide Kemper Corporation information about yourself, we may share it with our affiliates. They and their service providers and agents maintain information about their policyholders and claimants and we generally will refer inquiries that you have about such matters directly to them for handling as they have the information and expertise to respond to your issue. For instance, if you request more information about our products, we may forward information that you supply to us to the business group that is responsible for those products. We do this so they can service your account or contact you with additional information about their products. They may, in turn, share this information with your agency or others who help them service their business.
 
Disclaimer of Warranties and Liability
 
The information contained on this site, including, without limitation, products and services is provided "as is" without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the disclaimer of implied warranties, so the above disclaimer may be limited by law. In no event shall Kemper, its affiliates, or subsidiaries be liable for any special, indirect, incidental or consequential damages or any other damages whatsoever resulting from or accompanying your use of this site. These include, without limitation, loss of use, data, revenues or profits, regardless of the type of action asserted, whether based on contract, negligence or other tortious conduct, arising out of or in connection with the use of this site or performance of this information. In the event that certain states do not allow us to limit or disclaim liability for incidental or consequential damages, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed in contract, negligence or other tortious action, will be limited to the extent required by such laws.
 
Jurisdiction and Severability
These "Terms and Conditions" shall be governed by and interpreted according to the laws of the state of Illinois without respect to any conflict of law provisions. If any provision of these “Terms and Conditions” is held to be invalid or unenforceable, it will not affect the validity or enforceability of any other provision hereof.
 
Underwriting Companies - Property and Casualty
Each of our property and casualty principal businesses operates separately. Here is a list of underwriting companies that they may currently be using along with their respective principal places of business.
 
Kemper Preferred:
1 Kemper Independence Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 10914
State of Domicile: Illinois
CA COA: 07664
 
Unitrin Advantage Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 10881
State of Domicile: New York
 
(1) Unitrin Auto and Home Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 16063
State of Domicile: New York
CA COA: 07738
 
Unitrin Safeguard Insurance Company
400 S. Executive Drive, Suite 200, Brookfield, Wisconsin 53005
NAIC #: 40703
State of Domicile: Wisconsin
 
Unitrin Preferred Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 25909
State of Domicile: New York
 
(1) Trinity Universal Insurance Company
12790 Merit Drive, Suite 400, Dallas, Texas 75251
NAIC #: 19887
State of Domicile: Texas
CA COA: 3549
Trinity Universal Insurance Company also reinsures business underwritten by Home State County Mutual Insurance Company, an unaffiliated company and managed by Kemper General Agency, Inc.
 
1Valley Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 14133
State of Domicile: California
CA COA: 5415
 
Valley Property & Casualty Insurance Company
4263 Commercial Street, Suite 400, Salem, Oregon 97302
NAIC #: 10698
State of Domicile: Oregon
 
Kemper Specialty:
Alpha Property & Casualty Insurance Company
400 S. Executive Drive, Suite 200, Brookfield, WI 53005
NAIC # 38156
State of Domicile: Wisconsin
 
Charter Indemnity Company
8360 LBJ Freeway, Suite 400, Dallas, TX 75243
NAIC # 37524
State of Domicile: Texas
 
Unitrin County Mutual Insurance Company
8360 LBJ Freeway, Suite 400, Dallas, TX 75243
NAIC # 29351
State of Domicile: Texas
Specialty Lines writes business in this company without using an MGA.
 
(1) Financial Indemnity Company
CA COA: 08986;
One East Wacker Drive, Chicago, IL 60601
NAIC # 19852
State of Domicile: Illinois
 
Kemper Direct (2):
Unitrin Direct Insurance Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC #:10226
State of Domicile: Illinois
CA COA: 4658-1
 
Unitrin Direct Property & Casualty Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC #: 10915
State of Domicile: Illinois
CA COA: 4591-4
 
Merastar Insurance Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC# 31968
State of Domicile: Illinois
CA COA:2384-6
 
National Merit Insurance Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC# 39004
State of Domicile: Illinois
 
Response Insurance Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC# 43044
State of Domicile: Illinois
CA COA: 2995-9
 
Response Indemnity Company of California
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC # 10970
State of Domicile: California
CA COA: 4583-1
 
Response Worldwide Insurance Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC# 26050
State of Domicile: Illinois
CA COA: 2354-9
 
Response Worldwide Direct Auto Insurance Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC# 20133
State of Domicile: Illinois
 
Warner Insurance Company
One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
NAIC# 26085
State of Domicile: Illinois
 
With respect to business managed by Kemper Direct General Agency, Inc.: Home State County Mutual Insurance Company, a nonaffiliate, P.O. Box 8036, Waco, Texas 76714. Note: Although this business is written by a nonaffiliate, it is 100% reinsured by Kemper affiliate, Trinity Universal Insurance Company, 12790 Merit Drive, Suite 400, Dallas, Texas 75251.
 
With respect to business managed by Kemper Direct General Agency, Inc.: Unitrin County Mutual Insurance Company, an affiliate, P.O. Box 22368, Dallas, Texas 75222.
 
With respect to business managed by Consolidated Lloyds: Although this business is written by a nonaffiliate, it is 100% reinsured by Kemper affiliate, Merastar Insurance Company, One East Wacker Drive, Suite 3700, Chicago, Illinois 60601
 
(1) These companies maintain a Certificate of Authority to transact insurance in California. The Certificate of Authority number for each of these companies is listed after “CA COA.”
 
(2) The Kemper Direct underwriting companies also write business under the Kemper Select brand.
 
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