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 |
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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. |
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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. |
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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. |
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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. |
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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. |
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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. |
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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. |
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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. |
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Kemper Preferred: 1 Kemper Independence Insurance Company 12926 Gran Bay Parkway West, Jacksonville, Florida 32258 NAIC #: 10914 State of Domicile: Illinois CA COA: 07664 |
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Unitrin Advantage Insurance Company 12926 Gran Bay Parkway West, Jacksonville, Florida 32258 NAIC #: 10881 State of Domicile: New York |
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(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 |
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Unitrin Safeguard Insurance Company 400 S. Executive Drive, Suite 200, Brookfield, Wisconsin 53005 NAIC #: 40703 State of Domicile: Wisconsin |
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Unitrin Preferred Insurance Company 12926 Gran Bay Parkway West, Jacksonville, Florida 32258 NAIC #: 25909 State of Domicile: New York |
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(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. |
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1Valley Insurance Company 12926 Gran Bay Parkway West, Jacksonville, Florida 32258 NAIC #: 14133 State of Domicile: California CA COA: 5415 |
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Valley Property & Casualty Insurance Company 4263 Commercial Street, Suite 400, Salem, Oregon 97302 NAIC #: 10698 State of Domicile: Oregon |
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Kemper Specialty: Alpha Property & Casualty Insurance Company 400 S. Executive Drive, Suite 200, Brookfield, WI 53005 NAIC # 38156 State of Domicile: Wisconsin |
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Charter Indemnity Company 8360 LBJ Freeway, Suite 400, Dallas, TX 75243 NAIC # 37524 State of Domicile: Texas |
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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. |
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(1) Financial Indemnity Company CA COA: 08986; One East Wacker Drive, Chicago, IL 60601 NAIC # 19852 State of Domicile: Illinois |
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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 |
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Unitrin Direct Property & Casualty Company One East Wacker Drive, Suite 3700, Chicago, Illinois 60601 NAIC #: 10915 State of Domicile: Illinois CA COA: 4591-4 |
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Merastar Insurance Company One East Wacker Drive, Suite 3700, Chicago, Illinois 60601 NAIC# 31968 State of Domicile: Illinois CA COA:2384-6 |
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National Merit Insurance Company One East Wacker Drive, Suite 3700, Chicago, Illinois 60601 NAIC# 39004 State of Domicile: Illinois |
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Response Insurance Company One East Wacker Drive, Suite 3700, Chicago, Illinois 60601 NAIC# 43044 State of Domicile: Illinois CA COA: 2995-9 |
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Response Indemnity Company of California One East Wacker Drive, Suite 3700, Chicago, Illinois 60601 NAIC # 10970 State of Domicile: California CA COA: 4583-1 |
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Response Worldwide Insurance Company One East Wacker Drive, Suite 3700, Chicago, Illinois 60601 NAIC# 26050 State of Domicile: Illinois CA COA: 2354-9 |
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Response Worldwide Direct Auto Insurance Company One East Wacker Drive, Suite 3700, Chicago, Illinois 60601 NAIC# 20133 State of Domicile: Illinois |
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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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