The Kemper family of companies is one of the nation’s leading specialized insurers. With approximately $13 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through its Auto, Personal Insurance, and Life brands. Kemper serves over 5.3 million policies, is represented by approximately 26,000 agents and brokers, and has approximately 9,100 associates dedicated to meeting the ever-changing needs of its customers.
Our businesses include:
Kemper Auto
Infinity, a Kemper Company (CA only)
Kemper Personal Insurance
Kemper Life
Our AM Best ratings:
Kemper Property & Casualty Group, A- (Excellent)
Kemper Life & Health Group, A- (Excellent)
High Value or Exotic Car
Kemper Personal Insurance Auto Coverage
Body
Customized Personal Auto Insurance Options
Kemper Personal Insurance offers a wide range of customizable coverages, deductibles, and limits to meet the needs of discerning drivers. You can customize your auto policy with the following options:
Kemper Prime Auto Enhanced* – Combines many popular coverages at a great value:
Waiver of first accident or minor violation**
Diminishing deductible credit for safe driving
Waiver of deductible when the insured car is damaged when parked
Personal property protection
Trip interruption expenses
Key or entry transmitter device replacement
Kemper Total™ – Ideal for new cars. While most insurers only pay actual cash value, we can pay the amount necessary to repair the vehicle or buy a new one.
Auto Loan/Lease – Sometimes called “gap” insurance, this can pay the difference between your vehicle’s actual cash value and the outstanding amount on your loan or lease.
Kemper Personal Insurance Frequently Asked Questions
What discounts are available?
Kemper Personal Insurance offers several discounts and saving opportunities to help keep your costs down, including:
Defensive Driver – When you complete a qualified driver training or defensive driving course.
Military – For active and retired members of the military, and Junior and Senior Cadets at a military academy.
Anti-Theft – If your car has an active or passive device that disables the car.
Good Student – When your young driver ranks scholastically high in school.
If I insure my car and my home with Kemper Personal Insurance, can I get a discount?
If you insure both your auto and home with Kemper Personal Insurance, you may be eligible for a discount, one deductible, and the convenience of one billing statement. Find out more about our home, condo or renters insurance.
Can I add additional liability coverage to my policy?
Yes, additional liability protection is available.
Where can I go to find an independent insurance agent in my neighborhood?
You can find a local independent insurance agent through our Find an Agent tool.
Dwelling Fire
Kemper Life Insurance Fire/Contents Protection Coverage
Body
Fire insurance provides financial protection against loss to personal property resulting from fire, lightning, and other causes specified within the policy. Benefits are payable up to the limit of liability based on the actual cash value of the loss.
Note: Not all products are available in all states; please contact your agent or nearest district office for more information.
Home
Kemper Personal Insurance Homeowners Coverage
Body
Homeowners Coverage for Every Need
Kemper Personal Insurance offers several homeowners insurance solutions, with robust property and liability coverages, designed to fit any budget:
Kemper Prime Home Essentials – Provides essential coverages for your home and possessions. Protection can be broadened by adding further coverage, including Personal Property Replacement Cost, Water Backup, Equipment Breakdown, and more.
Kemper Prime Home Enhanced – All of the coverages from Home Essentials with some higher limits. Automatically includes coverages such as Water Backup, Personal Property Replacement Cost, and Identity Fraud Expense.
Kemper Prime Home Elite – Offers the broadest and deepest coverage. Features all the insurance benefits of our Home Enhanced product along with higher limits in some coverage categories.
Both Kemper Prime Home Enhanced and Kemper Prime Home Elite come with Blanket Property Limit, which provides greater flexibility during claims settlement. It can combine the limits of all four property coverage categories (such as your home and a detached garage) into a single maximum we could pay for a covered loss in any one of the categories.
Homeowners Insurance Frequently Asked Questions
What discounts and savings options are available?
With our Package policy, you can enjoy a discount on your auto and homeowners premium, one deductible, and one-bill convenience. Several additional discounts and saving opportunities are available to help keep your costs down, including:
Package – When you insure both your home and auto with Kemper Personal Insurance.
Military – For active and retired members of the military, and Junior and Senior Cadets at a military academy.
Home Safety – If whole house water leak protection or automatic gas shutoff valve has been installed.
Protective devices – Including alarms / detectors.
Can I add coverage for valuables?
Yes, you can add coverage for your valuables with our Scheduled Personal Property and Blanket Valuable Items endorsements – protection for everything from collectibles to jewelry to antiques.
Is there a coverage option available for appliances?
Yes, you can help protect your important household appliances and systems with Equipment Breakdown coverage for minimal extra cost.
Where can I go to find an independent insurance agent in my neighborhood?
You can find a local independent insurance agent through our Find an Agent tool.
How can interested independent agents get appointed to sell Kemper Personal Insurance?
Interested agents can apply by filling out this form.
Umbrella
Kemper Personal Insurance Personal Umbrella Liability Coverage
Body
Extend Coverage to Expand Protection
Personal Umbrella Liability coverage offers additional protection in the event of a covered loss – extending coverage beyond your standard auto or homeowners policy liability limits.
Personal Umbrella Liability Coverage provides protection against liability losses including:
Automobiles
Residences
Watercraft (small boats)
Property in Your Care
Libel and Slander
Defamation of Character
Invasion of Privacy
Personal Umbrella Liability Coverage Frequently Asked Questions
When would I need this coverage?
If you are deemed the responsible party in an accident, for example, and the judgment is higher than the liability limits of your home or auto policy, your assets – even perhaps your future earnings – need to cover the difference. Personal Umbrella Liability coverage picks up where your policy left off and covers the difference up to your selected limits.
How much coverage is available?
You can add $1 million or more of Personal Umbrella Liability Coverage in $1 million increments.
Kemper Personal Insurance can help you with your Personal Umbrella Liability insurance needs. Talk to your independent agent today. If you don’t have an agent, find one now.
