Kemper Insurance Reviews 2023

Overview

• No of Reviews: Google (59), Consumer Affairs (351), Clearsurance (286), Total (696)
• No of Ratings: Google (2.2), Consumer Affairs (3.8), Clearsurance (2.86), Average Rating (3)
• Address: 200 East Randolph Street, V9PH+49 Chicago, Illinois, USA
• Phone Number: 866-860-9348

Kemper Insurance is one of the leading specialized insurers in the United States that provides different kinds of personalized insurance solutions through its auto, personal insurance, and life brands.

Kemper Insurance’s motto is “Improving the World of Insurance”, and it has been striving towards that goal by focusing on customer-centricity, a steadfast commitment to excellence, and reliability. But can Kemper Insurance meet all your unique insurance requirements? Moreover, is it the right choice for you?

Make an informed decision by reading our Kemper Insurance Review that delves into key aspects like coverage options, price, and customer service.

About Kemper Insurance

Kemper Insurance was founded in 1990 with an aim to provide affordable and personalized insurance solutions for individuals, families, and businesses. The company is headquartered in Chicago, Illinois and has a workforce of more than 10,000 people.

Kemper Insurance is a subsidiary of the Kemper Corporation and has operations across all the 50 states. It specializes in providing policies under property & casualty, and life and health categories. Kemper has written over 5.3 million policies and has more than 26000 agents in the US.

Kemper Insurance has more than $13 billion in assets, making it a reliable choice in terms of financial stability.

Kemper Insurance Products and Services

Kemper Insurance offers a wide range of insurance products and services as well as bundling options all over the US. Here are the different kinds of policies available from Kemper Insurance:

• Homeowners Insurance
• Car Insurance
• Life Insurance
• Health Insurance
• Business Insurance

Other Insurance Products:

• Renters Insurance
• Condo Insurance
• Mobile Home Insurance
• Flood Insurance
• Umbrella Insurance
• Motorcycle Insurance
• RV Insurance

Kemper Car Insurance Reviews

States available in: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MD, MN, MO, NV, NJ, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA and WI

Kemper Car Insurance is a popular choice for high-risk drivers who have a poor driving record or a dismal credit score. It’s car insurance policy comes with personalization options and policy buyers can add options like Kemper Loan/Lease (gap insurance), Kemper Total (for replacement value on new cars), or Kemper Prime Auto Enhanced.

The non-standard car insurance policy from Kemper Insurance also writes coverage for international driving license holders, state IDs, and Matricula Consular ID cards from Mexico.

The options included in a standard auto policy and for high-risk drivers are:

• New Car Replacement
• Gap Insurance
• Enhanced Coverage
• SR-22 Insurance
• Insured for Salvaged Vehicles

Kemper Homeowners Insurance Review

States available in: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MD, MN, MO, NV, NJ, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA and WI

Kemper Insurance also offers home insurance, providing coverage for homeowners, renters, and condo owners. However, insurance buyers should note that Kempers Insurance generally does not underwrite its own home insurance policies. Hence, Kempers home insurance did not rank in the 2022 J.D. Power Home Insurance Study.

Kempers Insurance offers cheaper home insurance rates than the national average and also offers optional protections like:

• Identity Theft Protection
• Scheduled Personal Property Coverage
• Blanket Personal Property Coverage
• Equipment Breakdown Coverage

Kemper Insurance’s Home Insurance coverage includes 4 tiers:

• Kemper Prime Home Essentials: Includes standard home coverage
• Kemper Prime Home Enhanced: Includes all the coverage from the Essentials package with some higher limits and automatically includes water backup, personal property replacement, and identity fraud expense coverage
• Kemper Prime Home Elite: Offers the broadest and extensive home insurance coverage and features with higher limits

Insurance Discounts for Home and Car

Kemper Insurance offers various home and car insurance discounts that can help policyholders save money on their premiums. Here are some of the insurance discounts provided by Kemper Insurance: 

 

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Kemper Insurance Cost

The cost of Kemper Insurance policies can vary depending on several risk factors. Insurance companies consider various risk factors associated with the insured person or property to determine premiums.

Kemper Insurance’s car insurance premiums are generally higher than the national average. However, the home insurance rates offered by Kemper are very competitive compared to other insurers in the market.

Here are the rates offered by Kemper Insurance under car insurance and home insurance categories:

Kemper Insurance: Customer Service and Satisfaction

Quality of service and customer satisfaction play a crucial role while choosing an insurance company as insurance is a long-term commitment. Kemper Insurance’s financial strength was rated (A-) excellent by A.M. Best in 2022, which indicates that the company has strong financial stability.

However, Kemper auto insurance was ranked last in the 2022 J.D. Power U.S. Auto Claims Satisfaction study which shows that customers were not very satisfied with the car insurance services provided by Kemper. Kemper Insurance’s Home Insurance was not rated by J.D. Power as it generally does not underwrite home insurance policies on its own.

Kemper Insurance provides policyholders with online tools and resources for the convenience of the insurance buyers. Customers can access policy information, make payments, file claims, and manage their policies through Kemper’s website or their mobile app.

Buyers can also call 1-866-536-7376 for Kemper Auto & Commercial Vehicle and 1-888-252-2799 for Kemper Personal Insurance to file a claim.

Conclusion

Kemper Insurance is a reputable insurance company that provides a range of insurance products and services to meet the diverse needs of its policyholders. The company offers various policy options and personalized coverage to suit individual needs and preferences.

Kemper Insurance’s strong financial stability provides assurance to policyholders, knowing that their claims will be handled reliably. Moreover, the company strives to deliver excellent customer service and they have customer service channels available for policyholders to address inquiries, file claims, and manage their policies efficiently.

In terms of pricing, Kemper insurance has comparatively higher car insurance rates than the national average while its home insurance rates are more competitive. In general, Kemper insurance can be a great choice for high-risk drivers with DUI or poor credit who are looking for car insurance.

Sources

Clearsurance

Trustpilot

BBB