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1926 |
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Auto |
Health |
Life |
Property |
Mobile Homes |
RV |
Motorcycle |
Boat |
ATV |
Financial Products |
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| Sample Auto premiums* |
Sample Auto premiums** |
Sample Homeowners Insurance premiums† |
Sample Homeowners Insurance premiums†† |
2005 justified complaint ratios Auto insurance‡ |
2005 Justified complaint ratios Homeowners insurance‡ |
| $2,602 |
$4,226 |
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5.6 |
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Acquired by Unitrin in 2002, Kemper is well known for being the first on the scene after Hurricane Katrina struck in fall of 2005. Kemper prides itself on its superior customer service, offering a 24-hour claims phone line which is available to customers whenever they need to file a claim. There are also convenient payment methods for customers with automatic bill payment or online credit card payments.
Package Plus is Kemper’s most popular package. It’s a comprehensive plan that includes coverage for auto, home, jewelry, boat, collectibles, and identity theft. Kemper’s Collectibles plan provides coverage for 94 categories of customers’ collectible items, such as baseball cards and cuckoo clocks.
Their Auto plan includes coverage for three of the major accident categories: personal injury to the customer and others in the vehicle, damage to someone else’s car or property, and collision damage. While liability limits are generally set at $250,000 or $500,000 per incident, it is possible to increase those limits. Repair or Replacement Plus plans cover the cost of the vehicle in the event the car needs to be replaced as the result of an accident. However fire, theft, and larceny are not included in these scenarios. Safety discounts are available for airbags, anti-lock brakes, driver training, and anti-theft devices, among others.
Homeowners Insurance covers loss or damage to dwellings, personal liability, living expenses (in the event the home is damaged), and medical payments for others injured on a customer’s property. Safety discounts are also available with a homeowner’s plan that includes home sprinkler systems, fire and burglar alarms, fire extinguishers, smoke detectors, and dead-bolt locks.
Some of Kemper’s other well known Kemper services include Combined Auto and Home plans, Id Fraud Expense coverage, Collectibles, Valuable Property, Boat, Home Based Business, and Renters and Condominium coverage plans.
* Standard Auto Coverage, Contra Costa-Concord, Male holds a drivers license for 9-15 years drives Ford Explorer 7,600-10,000 miles/year and has 1 traffic ticket
** Standard Auto Coverage, Los Angeles-Santa Monica, Married couple drive 9,000-16,000 miles/year and both have 1 traffic ticket each and no accidents
† Homeowners Insurance, $1000 deductible, age of home 26-40 years, Contra Costa-Concord, amount of coverage $400,000
†† Homeowners Insurance, $2500 deductible, age of home 26-40 years, Los Angeles Santa Monica, amount of coverage $400,000
‡ A justified complaint ratio is based on the number of justified complaints per 100,000 policies or exposures as determined by the California Department of Insurance
