Kemper Homeowners Insurance Review: Service, Cost & More

MoneyGeek gave Kemper a score of 74 out of 100, as it received moderate scores for customer satisfaction and financial stability. We were not able to determine a score for affordability.

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Last Updated: 9/21/2022
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pros

This is an iconExcellent in AM Best rating
This is an iconHas a mobile app
This is an iconDiscounts for military

cons

This is an iconNo unique coverages
This is an iconAverage MoneyGeek score
This is an iconHigh customer complaint score

Verdict

Kemper allows you to customize your policy and add coverages and discounts that fit your specific situation. The insurer received an A from AM Best, which scores financial stability.

Unfortunately, Kemper is only available in 24 states and has a high customer complaints score, according to NAIC. While it’s a solid contender, homeowners might be able to find another insurance company that offers more unique coverages and better customer service.

Does Kemper Have Good Customer Service?

Overall, Kemper garnered a MoneyGeek score of 74 out of 100. MoneyGeek analyzed Kemper’s customer satisfaction, affordability and financial stability so you can determine if this insurance provider is an ideal choice for you. However, MoneyGeek was unable to determine an affordability score for this insurer.

Customer Satisfaction Rating

Homeowners should seriously consider an insurance company’s customer service before purchasing a policy with them. Based on data from J.D. Power’s research, Kemper earned a MoneyGeek score of 3.84 out of 5 in customer satisfaction.

Customer Complaint Index

Kemper

The National Association of Insurance Commissioners (NAIC) evaluates various insurance companies in terms of customer complaints. National comparisons show the average insurer has a customer complaints score of 1.00. However, Kemper received a score of 1.52, which is a significantly higher number compared to the average insurer.

Financial Stability Rating

According to AM Best’s rating scale, Kemper has an A rating for financial strength. They have an excellent reputation when it comes to fulfilling financial obligations like filing claims.

What to Expect From Kemper Homeowners Insurance

MoneyGeek provides an overview of Kemper homeowners insurance to help you through the process. Below, we share Kemper’s features so you know what to expect.

1

Getting a quote

You can get a customized quote through the Kemper website.

2

Customer support

You can contact Kemper by phone at 866-860-9348 and via email at getanswers@kemper.com.

3

Filing a claim

Kemper offers various ways to file a claim, including its website and mobile app. Other options include calling the customer service line at 800-353-6737 (800-3KEMPER) or emailing them at customerrelations@kemper.com.

4

Canceling your policy

You can call the Kemper customer service line at 877-252-7878 to cancel your policy.

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FILING A HOMEOWNERS INSURANCE CLAIM WITH KEMPER

If you need to file a claim or contact Kemper, the insurer offers various communication channels such as email at customerrelations@kemper.com, a phone hotline at 877-252-7878, a website and a mobile app.

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STATE AVAILABILITY

Kemper’s homeowners insurance is available in 24 states, including Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kansas, Maryland, Maine, Michigan, Missouri, North Carolina, Nevada, New York, Ohio, Oregon, Pennsylvania, South Dakota, Texas, Virginia, Vermont and Wisconsin.

How Much Does Kemper Homeowners Insurance Cost?

To figure out how much a Kemper homeowners insurance policy costs, contact an agent or get a quote using the online tool on their website. Homeowners insurance costs $1,979 per year, on average. However, prices will vary depending on factors like your home’s construction type, age and location.

Your Kemper homeowners insurance premiums depend on factors like personal coverage, location, chosen deductible and replacement cost coverage.

If you’re unsure about what dwelling coverage to choose, $250K is a good start. But, keep in mind that how much home insurance coverage you need is based on the value of your home. There are also other coverages to account for as well.

To help you figure out a budget for your homeowners insurance, MoneyGeek provided a home insurance calculator below.

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While purchasing a cheaper deductible can save on monthly premiums, you might end up paying more in the long run. In the event that your home is severely damaged and needs to be repaired or rebuilt, costs are expensive and you’ll spend more out of pocket.

What Discounts Does Kemper Offer?

While the average homeowners insurance provider offers seven discounts, Kemper only has four. Their discounts are relatively common. One discount they offer is Home Safety, which benefits homeowners with an automatic gas shutoff or water leak protection.

  • Discount
    Description
  • Package

    If you insure your home with Kemper auto insurance, you can get a discount with Kemper Personal Insurance. As a bonus, those who get a Package discount can use more features like one-bill convenience and increased coverage limits.

  • Military

    Military members such as active members, veterans and Junior and Senior military academy cadets can get a discount with Kemper.

  • Home Safety

    You can get a discount if your house has an automatic gas shutoff or water leak protection.

  • Protective devices

    Devices such as alarms and detectors can make you eligible for a discount.

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You can take advantage of Kemper’s bundling discount to save on monthly expenses. Since most Kemper discounts are widely available, it’s somewhat ideal for savings. For example, installing protective devices like alarms is one way to get a discount with Kemper.

Which Coverage Types Does Kemper Offer?

To further customize your Kemper homeowners insurance policy, you can get extra coverages. Kemper offers six endorsements, which is slightly higher than the industry average of five. They don’t offer unique coverages, but these options are still practical for the everyday homeowner.

Blanket Valuable Items, which is one of their add-on coverages, also accounts for items of lesser value like collectibles. This means that your items don’t have to be high-value to also receive protection.

Kemper has six endorsements for homeowners. MoneyGeek provided a detailed description below to help you determine if it’s an endorsement you’d like to add to your Kemper homeowners insurance policy.

1

Scheduled Personal Property

If your personal belongings are of significant value, you can add this coverage for individual items. List each high-value item and provide a specific coverage level for each one.

2

Blanket Valuable Items

Items such as golf equipment, jewelry and collectibles can be covered. Kemper policyholders can group similar items to be covered.

3

Equipment Breakdown

Protect your important household appliances and systems with Equipment Breakdown coverage for a minimal extra cost.

4

Contents Replacement Cost

If your items are stolen or lost, Kemper will reimburse you based on the item’s cost today and not on its depreciated value.

5

Water Backup

If your home or personal belongings are damaged due to water backups or overflows, you’re covered by Kemper.

6

Identity Fraud Expense

In the event your identity is used for fraudulent purposes, this coverage helps protect you financially.

Before purchasing homeowners insurance, it’s wise to compare quotes and figure out if this insurer offers the home insurance coverages you need. If your area is prone to earthquakes, floods or insect damage, check if the insurance provider offers it in your desired policy or if it can be purchased separately.

Another important factor to consider is if the insurer offers the standard coverages that are listed below. The amount of insurance you should purchase should be based on your specific needs. To start, it’s good to have the following coverages:

What Online Homeowners Insurance Tools Does Kemper Offer?

Aside from filing claims efficiently, providing online tools is another way insurance companies can make sure that they’re providing quality service. Kemper offers several ways to file claims and provides information for both policyholders as well as potential customers.

Other Kemper Insurance Products

Kemper provides many other insurance products aside from homeowners insurance. Getting multiple policies with one insurance provider can make managing your coverages more convenient.

The table below outlines the different insurance products that Kemper offers.

  • Type of Product
    Description
  • Auto

    Kemper auto insurance offers add-on coverages and unique discounts. It offers full coverage, but its policies are on the expensive end.

  • Valuable personal property

    This adds another layer of protection for any valuable items in your home.

  • Life

    Kemper provides whole and term life insurance, including access to health insurance.

  • Business

    With this coverage, you can get protection for vehicles that are used for work.

  • Recreational vehicle

    Kemper offers coverage for individuals who own a boat. This includes accidental loss, liability and medical expenses.

  • Personal catastrophe liability

    This coverage provides extra protection for your auto, home or condo policy. If your identity is used for fraudulent purposes, this protects you by offering assistance financially.

  • Other

    When you bundle your homeowners and auto policies into a “package plus” deal, you get access to more features, like increased coverages.

Methodology

To evaluate Kemper as a homeowners insurance company, MoneyGeek analyzed the Kemper website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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