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Leases (Tables)
 12 Months Ended
Dec. 31, 2020
Leases [Abstract]  
Lease, Cost
The following table presents operating lease ROU assets and lease liabilities.
DOLLARS IN MILLIONS20202019
Operating Lease Right-of-Use Assets$68.6 $75.6 
Operating Lease Liabilities89.6 93.2 
Lease expenses are primarily included in insurance expenses in the Consolidated Statements of Income. Additional information regarding the Company’s operating leases is presented below.
DOLLARS IN MILLIONS20202019
Lease Cost:
    Amortization of Right-of-Use Assets - Finance Leases$0.3 $0.7 
    Operating Lease Cost20.9 20.7 
    Short-Term Lease Cost (1)4.6 0.1 
Total Expense25.8 21.5 
Less: Sublease Income (2)— 0.1 
Total Lease Cost$25.8 $21.4 
(1) - Leases with an initial term of twelve months of less are not recorded on the balance sheet.
(2) - Sublease income consists of rent from third parties of office space and is recognized as part of other income in the Consolidated Statements of Income.
Supplemental cash flow information related to the Company’s operating leases for the year-ended December 31, 2020 is as follows:
DOLLARS IN MILLIONS20202019
Operating Cash Flows from Operating Leases (Fixed Payments)$15.8 $20.0 
Operating Cash Flows from Operating Leases (Liability Reduction)17.5 17.6 
Financing Cash Flows from Finance Leases0.3 0.7 
Right-of-Use Assets Obtained in Exchange for New Operating Lease Liabilities11.0 25.9 
Significant judgments and assumptions for determining lease asset and liability as December 31, 2020 and December 31, 2019 respectively are presented below.
20202019
Weighted-average Remaining Lease Term - Finance Leases0.7 years1.7 years
Weighted-average Remaining Lease Term - Operating Leases6.7 years7.0 years
Weighted-average Discount Rate - Finance Leases4.0 %4.0 %
Weighted-average Discount Rate - Operating Leases4.0 %3.9 %
The following table presents operating lease ROU assets and lease liabilities at December 31, 2020 and 2019.
DOLLARS IN MILLIONS20202019
Operating Lease Right-of-Use Assets$13.4 $18.6 
Operating Lease Liabilities26.9 31.3 
Supplemental cash flow information related to Kemper’s operating leases for the year-ended December 31, 2020 and December 31, 2019 respectively are presented below.
DOLLARS IN MILLIONS20202019
Operating Cash Flows from Operating Leases (Fixed Payments)$(2.1)$1.2 
Operating Cash Flows from Operating Leases (Liability Reduction)0.3 1.0 
Right-of-Use Assets Obtained in Exchange for New Operating Lease Liabilities— 7.9 

Significant judgments and assumptions for determining lease asset and liability as December 31, 2020 and December 31, 2019 respectively are presented below.
20202019
Weighted-average Remaining Lease Term - Operating Leases13.0 years13.0 years
Weighted-average Discount Rate - Operating Leases4.0 %4.0 %
Schedule of Future Minimum Lease Payments for Finance Leases
Future minimum lease payments under finance and operating leases at December 31, 2020 were:
DOLLARS IN MILLIONSFinance
Leases		Operating
Leases
2021$0.2 $20.8 
2022— 19.5 
2023— 17.8 
2024— 13.1 
2025— 8.4 
2026 and Thereafter— 24.2 
Total Future Payments0.2 103.8 
Less Discount— 14.2 
Present Value of Minimum Lease Payments$0.2 $89.6 
Schedule of Future Minimum Lease Payments for Operating Leases
Future minimum lease payments under finance and operating leases at December 31, 2020 were:
DOLLARS IN MILLIONSFinance
Leases		Operating
Leases
2021$0.2 $20.8 
2022— 19.5 
2023— 17.8 
2024— 13.1 
2025— 8.4 
2026 and Thereafter— 24.2 
Total Future Payments0.2 103.8 
Less Discount— 14.2 
Present Value of Minimum Lease Payments$0.2 $89.6 
Future minimum operating lease payments at December 31, 2020 were:
DOLLARS IN MILLIONSOperating
Leases
2021$2.2 
20222.4 
20232.4 
20242.5 
20252.6 
2026 and Thereafter22.9 
Total Future Payments35.0
Less Discount8.1 
Present Value of Minimum Lease Payments$26.9