The Hartford is expanding its Prevail homeowners product in Kansas by adding an agency channel, with new agency business to be written through Hartford Insurance Company of Illinois starting July 9, 2026, while direct business remains with Hartford Insurance Company of the Southeast. The filing also includes rate changes across both channels, with an overall proposed impact of 17.9% and a 19% increase on building form policies at renewal.

The move does more than add a distribution path. The Hartford is also broadening the product to include the HO 00 05 comprehensive homeowners form, revising rate and rule manuals, and introducing new factor tables alongside changes to base rates. In Kansas, the company says 794 policyholders are affected, with written premium for the program at about $1.2 million and individual changes ranging from a 2.2% decrease to a 34.4% increase.

The filing also points to a more layered underwriting setup. The agency version adopts The Hartford’s existing Prevail class plan and previously approved elements including TransUnion’s CreditVision Insurance Score model and a credit card surcharge for policyholders who pay premium by card.

On coverage, the Kansas special provisions carve out intangible and digital property such as cryptocurrency and NFTs, while separately clarifying that electric vehicle chargers are not swept into the standard motor vehicle property exclusion. The filing also brings in a long list of optional endorsements and package features, including water backup, equipment breakdown, identity fraud expense coverage, universal design upgrades, green rebuilding, valuable items blanket coverage, and rental property protection enhancements.

The bigger picture is that Hartford is using Kansas not just to push through another homeowners increase, but to reposition Prevail for broader distribution with a more flexible form set and a fuller endorsement menu.