Kemper home insurance review: Great customer service
Kemper is no longer writing or renewing home insurance policies nationwide as of August 2023.
By
Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Edited by
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
UPDATE: As of August 2023, Kemper has stopped writing home insurance policies nationwide. Homeowners with current home insurance policies with Kemper will see them canceled or non-renewed in the coming months in accordance with state regulations.
Kemper home insurance is ideal for homeowners looking for cheap insurance that doesn’t fall flat on customer service. Its average rates are nearly $1,000 below the national average, and it receives 50% fewer complaints than other companies of its size.
While you won’t find a mobile app, an extensive website, or a bevy of discounts, Kemper does offer three tiers of coverage options, each priced to suit a different type of customer. Just make sure you live in one of the 18 states it offers coverage in before you apply.
Cheap rates nearly $1,000 below the national average
Offers three levels of coverage to tailor your policy to your needs and budget
50% fewer customer complaints than other insurers of its size
Cons
Only available in 18 states
Website lacks detailed policy information and it doesn't offer a mobile app
Only offers 4 discounts
Basic coverages offered
Kemper home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
Kemper offers three levels of coverage that come with varying policy add-ons to fit the needs of different types of homeowners. Here’s a look at what you might be able to add on to your policy depending on the coverage tier you choose:
Water backup: Protects your home and belongings from water backup damage caused by a sump pump overflowing or clogged sewer.
Equipment breakdown: Pays for repairs to your refrigerator, washing machine, water heater, and other home appliances due to mechanical or electrical breakdown.
Flood coverage: Offers flood insurance through the National Flood Insurance Program (NFIP), a government program run by the Federal Emergency Management Agency (FEMA).
Renters insurance: Covers personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Kemper’s average annual rate of $936 is 68% below the national average.
Customer experience
4.8/5
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Kemper has a score of at .48, which means it receives less complaints than expected for a company of its size. (The expected number would be 1.0.)
Coverage options
3.9/5
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Kemper earns an above-average score compared to other regional home insurance companies.
Financial strength
3.6/5
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Kemper has an A- rating from AM Best, an A from Standard & Poor’s, and A3 from Moody’s.
How much does Kemper home insurance cost?
The average cost of home insurance with Kemper is $936 per year for a policy with $300,000 in dwelling coverage. This is 68% cheaper than the national average.
Here’s the average yearly cost of Kemper home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
$100,000
$607
$200,000
$791
$300,000
$936
$400,000
$1,057
$500,000
$1,178
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
Compare home insurance quotes with Kemper & other top insurers
What discounts does Kemper offer?
You can save on the cost of Kemper home insurance if you qualify for any of these discounts:
Military: If you’re a veteran, active military member, or military academy cadet.
Home safety: If you have an automatic gas shut-off valve or water leak protection in your home.
Protective devices: If you install burglar alarms, security cameras, smoke detectors, and other protective devices in your home.
Kemper home insurance state availability
Kemper home insurance is available in 18 states:
Arizona, Colorado, Idaho, Illinois, Indiana, Louisiana, Missouri, Montana, Nevada, New Mexico, Ohio, Oklahoma, Oregon, Texas, Utah, Virginia, Washington, and Wisconsin.
What to expect with Kemper home insurance
How to get a quote: You can get a Kemper home insurance quote online, by contacting a Kemper agent, or by calling 866-860-9348.
Customer service options: You can get in touch with a Kemper customer service rep by calling 866-860-9348, sending a message through the website, or contacting your Kemper agent.
How to file a claim: You can file a Kemper home insurance claim by submitting your claim online, calling 888-252-2799, or contacting your local agent.
How to cancel your policy: You can cancel your Kemper home insurance policy by calling your local agent (their contact info should be on your policy declarations page), by visiting your agent in person, or by calling Kemper directly at 866-860-9348.
Kemper home insurance in the news
In October 2022, Kemper laid off 339 employees due to the lingering effects of the pandemic and inflation. (AL.com)
Kemper vs. other home insurance companies
Compare Kemper home insurance to other insurers in the industry:
Kemper is highly rated for financial strength and receives fewer customer complaints than other insurers of its size. Combined with its affordable rates, Kemper is a good option for many homeowners who live in one of the 18 states it offers home insurance in.
What kind of insurance is Kemper?
Kemper offers insurance options for homeowners, renters, and landlords, as well as auto, business, and life insurance.
Is Kemper home insurance cheap?
Yes, Kemper home insurance's average annual rate of $936 is nearly $1,000 less than the national average, making it a cheap home insurance option.
Does Kemper offer flood insurance?
Yes, Kemper offers flood insurance through the National Flood Insurance Program to protect both the structure of your home and your personal belongings.
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.
