American Family Mutual Insurance Company, S.I. (AFMICSI) has filed a -5.0% rate decrease for its Kansas Homeowners Goldstar Program (TOI 04.0), effective February 15, 2026, affecting 28,035 policyholders. The revision is based on five years of countrywide data due to limited state-level credibility and reflects an indicated change of -5.2%.

The filing leverages detailed actuarial modeling, including CAT Load (0.8%) and Wind/Hail Load (44.8%), and gives explicit consideration to investment income in rate selection. Discounts include a Home & Auto discount (14%), a Preferred New Business discount (up to 14%), and a Home Purchase discount available only for new policies.

The average premium is projected to decrease from $5,022.42 to $4,776.85.