Updated: May 22, 2024
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score744/5
satisfaction
4/5
stability
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.
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.
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.
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.
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.
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.
You can get a customized quote through the Kemper website.
You can contact Kemper by phone at 866-860-9348 and via email at getanswers@kemper.com.
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.
You can call the Kemper customer service line at 877-252-7878 to cancel your policy.
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.
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.
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.
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.
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. |
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.
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.
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.
Items such as golf equipment, jewelry and collectibles can be covered. Kemper policyholders can group similar items to be covered.
Protect your important household appliances and systems with Equipment Breakdown coverage for a minimal extra 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.
If your home or personal belongings are damaged due to water backups or overflows, you’re covered by Kemper.
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:
If your home is damaged, this helps pay for expenses related to repairing or rebuilding. It doesn’t include unattached structures.
You’re financially protected in case your belongings, like clothing, appliances and furniture, are damaged. However, you may need a separate add-on coverage for high-value items like jewelry.
If a third-party individual is injured by accident, you’re covered against costs from bodily injuries or property damage.
This protects structures that aren’t connected to your home, like a greenhouse or garage.
If your visitor is injured on your property and needs medical care, this covers you for their medical expenses.
If your home is unlivable because of severe damage, this covers you for living expenses such as hotel bills and dining out.
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.
To get an accurate estimate of your homeowners policy, Kemper has an online quote tool.
Policyholders can use the Kemper mobile app to submit claims information, make payments, manage their account, find preferred repair shops and more.
You can pay your bills using your bank account with an electronic fund transfer. Alternatively, you can pay using your Discover, MasterCard, Visa or American Express credit card.
Another way to pay your premiums is to log in to your account and manage payments through the mobile app or website.
Kemper policyholders can also file claims online.
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. |
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 Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
