Kansas Mutual provides options for almost any type of Homeowners need. There are two Homeowners programs available. The Deluxe Homeowners program is for newer dwellings and contains a plethora of special coverages all packed into one policy at a very attractive price. The Standard Homeowners program has a niche for almost any type of residence. From All Risk replacement cost policies to Actual Cash Value coverage on lower value dwellings to renters insurance, this program has many options available for a wide variety of needs.