FAQs

There's no such thing as a silly question! Here are a few we hear more often than others:


How do I file a claim?

There are many ways you can file a claim.  Contact your Broker or call the Kings Mutual Insurance Claims Line as we want to know about your claim as soon as possible.  The Kings Mutual Insurance Claims Line is 1-800-565-7220 and select option 1.  We will be there to help.

What do I do in the event there has been damage to my home or personal property?

Call your broker to discuss the situation to determine if your insurance policy applies to the damage you are experiencing.  They are there to listen and guide you.

What factors determine the insurance premium I pay?

When we evaluate your home and personal property, we review a number of different risk factors to help determine your premium. Factors that could impact your insurance premium include: 

The value of your home:  Size, design, and building materials used determine the value of your house which will affect your premium.

Distance from fire hydrant and fire hall:  The distance of your home from a fire hydrant or a fire hall affects the response time in the event of a fire.

Heating your home:  Methods of heating your home, such as fireplaces and wood stoves, create greater potential for loss and affect your insurance premium.

Number of Claims:  The number of past claims may affect your premium.

Age of your home:  Homes tend to require additional repair as they age. We generally offer lower rates for newer homes.

How can I pay my premiums?

We've made it easy for you to pay your insurance premiums, by providing you two easy methods:

Automatic Monthly Withdrawal Plan - This long-term payment plan spreads the cost of your insurance premium over the full term of your policy. Just make a one-time down payment equal to 20% of your premium and then pre-authorize monthly withdrawals from your bank account. A small administrative fee will be applied.  Review your policy documents as a minimum retained premium may apply.

One Annual Payment - Pay your yearly insurance premium in one payment directly to your agent/broker or using your Visa or MasterCard option on the Company Website using “Make a Payment” Feature.  No service charges apply if you decide to select this plan.  Review your policy documents as a minimum retained premium may apply.

Premium Refunds - Refunds are issued within 30 days of the Company being notified of all information required to process the change.  Review your policy documents as a minimum retained premium may apply.

What can I do to lower my insurance premiums?

Here are some suggestions that may help you reduce your insurance costs:

Increase your deductibles - If you assum a larger portion of your losses by increasing your deductibles, you will reduce your insurance premiums;

Install a monitored burglary and fire alarm - If you take steps to prevent burglary, theft and fire losses, you may qualify for an additional discount;

Remain claims free - If you can remain claims free for a period of three years ormore, you may be eligible for an additional discount;

Perform routine maintenance - Ensure your home is safe and in good repair.

What is the rebate program?

At Kings Mutual we have a proud history of returning profits back to our policyholders. If we have a profitable year we return a portion of profit back to you, the policyholder. This can amount up to 15% of the premium you paid us during the year. If you have additional questions about the rebate program, please contact your broker or Kings Mutual Insurance.