What to Expect From Your Pruner Agency Quote-
More Than a Price. A Clear Review of Your Protection.
Who We Are
Pruner Agency is a local, veteran-owned independent insurance agency serving families and businesses throughout Kansas.
Expert Care
We believe insurance should be handled by real people who are available to answer questions—not an anonymous call center.
Real Results
Proven outcomes that speak for themselves and make a meaningful difference for your business.
Why Work With Us-Our Team helps with:
- Homeowners insurance
- Auto insurance
- Renters and condo insurance
- Landlord and investment-property insurance
- Umbrella insurance
- Life insurance
- Mortgage protection
- Business and commercial insurance
- Motorcycle, boat, RV, and specialty insurance
We are committed to treating our clients according to the Golden Rule and providing clear, honest recommendations.
What Happens During the Quote Process
We Learn About You
We Review Your Current Coverage
We Review Your Current Coverage
We begin by gathering the information needed to create an accurate quote.
This may include:
- Your current address
- Driver and vehicle information
- Property details
- Current insurance information
- Prior claims or driving activity
- Desired deductibles and liability limits
- Mortgage or lienholder information
- Other household insurance needs
Providing complet
We begin by gathering the information needed to create an accurate quote.
This may include:
- Your current address
- Driver and vehicle information
- Property details
- Current insurance information
- Prior claims or driving activity
- Desired deductibles and liability limits
- Mortgage or lienholder information
- Other household insurance needs
Providing complete and accurate information helps us reduce unexpected changes later in the process
We Review Your Current Coverage
We Review Your Current Coverage
We Review Your Current Coverage
When possible, we compare the proposed quote with your current declarations pages.
This helps us determine whether the new option:
- Matches your current protection
- Improves important coverage
- Reduces unnecessary coverage
- Creates new gaps
- Changes deductibles
- Qualifies for additional discounts
- Provides a meaningful overall value
Our goal is not to lower the premium by quietly removing coverage.
We Compare Available Carriers
We Review Your Current Coverage
We Compare Available Carriers
Our team evaluates the insurance companies and programs available for your situation.
The lowest initial price is not automatically the best recommendation. We also consider:
- Coverage quality
- Deductibles
- Claims service
- Financial stability
- Underwriting requirements
- Available endorsements
- Bundle discounts
- Payment options
- Long-term suitability
We Prepare Your Quote
We Review Your Current Coverage
We Compare Available Carriers
Your quote may include:
- A home and auto bundle
- Individual home or auto options
- Multiple deductible choices
- Coverage recommendations
- Available discounts
- Monthly, semiannual, or annual payment options
- Additional protection recommendations
Your agent may also provide a quick-glance summary so you can easily identify the most important features.
We Review It With You
We Complete Underwriting Requirements
We Complete Underwriting Requirements
Insurance proposals contain a lot of information. You are not expected to figure everything out alone.
Your agent can explain:
- What is covered
- What is not covered
- How the deductibles work
- Why one option may cost more
- Which limits may need to be increased
- Whether the quote is comparable to your current policy
- What is required before the policy can begin
We Complete Underwriting Requirements
We Complete Underwriting Requirements
We Complete Underwriting Requirements
Some policies may require additional information or underwriting review before final approval.
Requirements may include:
- Property photographs
- Exterior or interior inspections
- Proof of prior insurance
- Roof documentation
- Mortgage information
- Driver documentation
- Signed applications
- Electronic signatures
- Payment verification
- Additional underwriting qu
Some policies may require additional information or underwriting review before final approval.
Requirements may include:
- Property photographs
- Exterior or interior inspections
- Proof of prior insurance
- Roof documentation
- Mortgage information
- Driver documentation
- Signed applications
- Electronic signatures
- Payment verification
- Additional underwriting questions
A quote is an estimate based on the information available at the time it is prepared. Final pricing and coverage are subject to carrier verification and underwriting approval
We Help You Make the Change
We Complete Underwriting Requirements
What Can Change the Final Premium?
Once you select an option, our team helps complete the applications, signatures, payments, and required documentation.
We can also provide guidance for canceling your previous policy after your new coverage has been confirmed.
Never cancel an existing policy until you have received confirmation that the replacement policy is active.
What Can Change the Final Premium?
We Complete Underwriting Requirements
What Can Change the Final Premium?
Insurance pricing may change when a carrier verifies information such as:
- Driving records
- Insurance history
- Claims history
- Credit-based insurance information, where legally permitted
- Vehicle identification numbers
- Property characteristics
- Roof age and condition
- Replacement-cost estimates
- Household drivers
- Prior insurance limits
- Inspection findings
- M
Insurance pricing may change when a carrier verifies information such as:
- Driving records
- Insurance history
- Claims history
- Credit-based insurance information, where legally permitted
- Vehicle identification numbers
- Property characteristics
- Roof age and condition
- Replacement-cost estimates
- Household drivers
- Prior insurance limits
- Inspection findings
- Mortgage or lienholder requirements
We will communicate any material changes and explain why they occurred.
What We Need From You
What We Look for in a Home Insurance Quote
When reviewing homeowners insurance, our team may evaluate:
- Dwelling replacement cost
- Other structures coverage
- Personal property coverage
- Loss-of-use protection
- Personal liability
- Medical payments
- Wind and hail deductible
- Roof-loss settlement
- Water and sewer backup
- Equipment breakdown
- Service-line coverage
- Residence glass coverage
- Identity protection
- Ordinance or law coverage
- Scheduled valuables
- Available roof, security, claims-free, and bundle discounts
Not every feature is included with every policy or carrier.
What We Look for in an Auto Insurance Quote
When reviewing auto insurance, our team may evaluate:
- Bodily injury liability
- Property damage liability
- Uninsured and underinsured motorist coverage
- Comprehensive coverage
- Collision coverage
- Medical or personal injury protection
- Towing and roadside assistance
- Rental reimbursement
- Glass-deductible options
- Original equipment manufacturer parts coverage
- New-car replacement options
- Accident forgiveness
- Multi-vehicle and bundle discounts
Coverage availability varies by carrier, vehicle, state requirements, and eligibility.
Our Commitment to You
We will:
- Communicate clearly
- Respect your time
- Explain your options
- Look beyond the lowest price
- Identify meaningful coverage differences
- Protect your personal information
- Help you complete the transition
- Remain available after your policy begins
We want you to understand what you are purchasing and feel confident about your decision.