Kemper Insurance Company Review

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 Company Overview

The Kemper family of insurance companies is one of the largest U.S. insurers and offers policy holders insurance options for individuals, families and businesses. Subsidiary companies include: Kemper Personal and Commercial Lines, Kemper Specialty California, Alliance United, Kemper Direct, Kemper Home Service Companies and Reserve National. Kemper Specialty is a subsidiary company that offers personal auto insurance to high risk drivers.

Life and health insurance products are available through Kemper Home Service Companies.

Collectively, Kemper Corporation has over $8 billion in assets through revenues from all its subsidiaries. Kemper has over 6 million policies in force written through a network of 30,000 agents and brokers and employs 6,000 associates.  The company is licensed in all 50 states and the District of Columbia.

Kemper Auto Insurance is a partner with insurance comparison website, Compare.com.  The Kemper Corporation family of insurance companies has received an “A-“ Excellent rating from A.M. Best insurance rating organization.

Insurance Products

  • Auto Insurance: Personal property and bodily damage liability according to state requirements and comprehensive and collision coverage. Optional coverage includes accident forgiveness, roadside assistance, rental care reimbursement and more.
  • High Risk Auto Insurance: Kemper Specialty provides insurance to high-risk drivers in California who are looking for a low-cost option. SR-22 insurance is available as well as the roadside assistance option.
  • Home Insurance: Coverage available for property damage to your home and covered structures as well as personal liability to cover damage to others or their property. Loss of use is covered including reimbursement for living expenses when you are displaced from your home due to a covered loss. You can add additional coverage for jewelry, fine art, identify fraud and more.
  • Renters Insurance: Renters insurance covers your valuables in an apartment or single-family home you rent. It also provides liability coverage if someone is injured while in your home. Full replacement value for your valuables is given rather than actual cash value.
  • Condo Insurance: Covers your valuables inside of a condo from theft, fire and other covered loss as well as personal liability protection.
  • Life Insurance: Kemper offers options for both whole life and term life insurance policies. Whole life insurance accumulates cash values you can borrow from the policy. Term Life insurance offers coverage for a limited or specific period of time and is usually available at a lower insurance premium. However, there is no cash value accumulation option for term life insurance policies.
  • Health Insurance:  Accident and health products available through Kemper include accident policy, cancer policy and heart attack policy.
  • Additional Insurance Products: In addition to the insurance products listed above, Kemper also has insurance options available for personal valuables, collectibles, personal catastrophe, identity fraud, commercial auto and boat insurance.

Flexible Payment Options

Customers will enjoy the flexible payment options offered through Kemper.

You can choose to pay monthly, quarterly, semi-annually or annually. With the monthly payment options, you will make a small down payment and then have 10 monthly payments. You can even choose how much of a down payment you will make.  Some customers have the option of starting a policy for as little as a one-month down payment.

Discounts

Insurance discounts are an important consideration to anyone looking for the best value on an insurance policy. Kemper has generous discounts available to policyholders that can help reduce your insurance premium. Here are some of the discounts available through Kemper:

Auto Insurance: anti-lock brakes, anti-theft device, away at  school, driver training, good student, defensive driving course, multi-care, passive restraint/airbags, package plus, multiple policy discount.

Homeowners Insurance:  loss-free, loyalty, mature homeowner package plus, protective devices (alarms/detectors), multi-policy discount.

Pros and Cons

The Kemper Corporation is a very large family of companies with a lot of coverage options to choose from when deciding on the best policy. It has excellent financial strength, flexible payment options and attractive discounts for policyholders. When shopping for the best value in insurance, you can give Kemper a try and see if it is right for you.

Contact Information

To find out more about the insurance products available through Kemper, You can visit the Kemper Corporation website or call 866-860-9348.