Alyssa Lane
Kemper Insurance is a legitimate insurer that offers a range of insurance products to thousands of homeowners. The company ranks in the most expensive quartile among auto insurers in WalletHub’s cost comparison. Kemper homeowners insurance can cover boats and rental properties, and you can enhance it with identity theft protection. The company has a strong A.M. Best Rating of A- 'Excellent' and an A Strong rating from Fitch. However, Kemper has received mixed to low customer satisfaction ratings, with a ranking of 76 out of 97 in the CRASH Network 2025 Insurer Report Card and a below-average rating in the J.D. Power customer satisfaction survey in California. Female respondents chose Kemper as their top overall pick for home insurance, while male respondents chose GEICO.
| Characteristics | Values |
|---|---|
| Ranking among homeowners insurance | Ranked among the top 15 home insurance companies in 2025 by The Zebra |
| Customer satisfaction | Mixed to low ratings; ranked 76 out of 97 in the CRASH Network 2025 Insurer Report Card |
| Customer service | Poor customer service compared to other similar carriers |
| Affordability | Above-average prices; ranked in the most expensive quartile among auto insurers in WalletHub's cost comparison |
| Discounts | Retro Loyalty, Safe & Sound, Happily Married discount, Paid-in-Full discount, Multi-Car discount, Defensive driver qualification discount, Military discount, Telematics discount |
| Coverage | Standard coverage for homes, primary and secondary structures; liability, collision, and comprehensive coverage; coverage for boats and rental properties |
| Financial stability | Over $13 billion in assets; A- "Excellent" rating from AM Best |
| Specialization | Non-standard, high-risk auto customers |
| Size | Smaller operation compared to giants of the insurance industry; licensed to sell insurance in 26 states in the US |
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What You'll Learn
Kemper's Home Insurance Reviews
Kemper Insurance is a large insurance company that operates in all 50 states and offers auto insurance, home insurance, health insurance and other products. The company was founded in 1990 and is headquartered in Chicago, Illinois.
In terms of rankings, Kemper has received mixed reviews. WalletHub's research places Kemper in the most expensive quartile among auto insurers. Similarly, Bankrate reports that Kemper Auto may be the carrier of choice for high-risk drivers or drivers with alternative forms of a driver's license. However, it also notes that Kemper has poor customer satisfaction ratings for auto insurance, with a J.D. Power rating of 2.6/5.
On the other hand, The Zebra's survey results show that Kemper is the top overall pick for female respondents when it comes to home insurance. The company offers coverage tiers, allowing homeowners to select a level that includes standard coverages and additional endorsements and benefits. Kemper's home insurance policies protect against damage caused by fire, wind, hail, vandalism, theft, and other risks. They also cover personal possessions, including antiques, collectibles, and home electronics, with the option to add identity theft protection.
While Kemper's home insurance rates are reported to be cheaper than the national average, some reviews on WalletHub mention above-average prices and poor customer service compared to similar carriers. The company's NAIC rating of 9.99 indicates a higher number of complaints compared to the average car insurance provider, with complaints highlighting delays in claims payments.
Overall, Kemper offers a range of insurance products and services, including home insurance that can satisfy the needs of various customers. However, it is important for prospective customers to consider their unique needs and research different insurance providers before making a decision.
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Kemper's Customer Service
Kemper Insurance is a legitimate insurer that offers a range of insurance products to thousands of homeowners across the United States. The company provides insurance for automobiles, commercial properties, businesses, life, motorcycles, ATVs, and homeowners. Kemper's motto is "Improving the World of Insurance", and it strives to achieve this through a focus on customer-centricity, a commitment to excellence, and reliability.
However, Kemper's customer service has received mixed reviews. While the company has an A- "Excellent" rating from AM Best, a company that rates the financial stability of insurance companies, it has received a higher number of complaints relative to its size. The company's NAIC rating is 9.99, indicating that it has received more complaints than the average car insurance provider. These complaints highlight delays in claims payments and frustrating support experiences. WalletHub editors give Kemper a rating of 1.4/5, and it ranks in the most expensive quartile among auto insurers in WalletHub's cost comparison.
Despite the mixed reviews, Kemper offers a range of discounts and coverage options for homeowners. For example, Kemper gives discounts for proof of homeownership, prior insurance, paying the premium in full, and multi-car policies. The company also provides online tools and resources for customers to access policy information, make payments, file claims, and manage their policies through their website or mobile app.
In terms of financial stability, Kemper has more than $13 billion in assets, making it a reliable choice. The company also offers standard homeowners insurance options that can satisfy a variety of needs, especially when bundled with an auto policy.
Overall, while Kemper's customer service has received some negative feedback, the company offers a range of insurance products and discounts that may meet the needs of certain customers, particularly those with higher-risk profiles.
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Kemper's Financial Stability
Kemper Insurance is a legitimate insurer with a strong financial outlook. It is a subsidiary of the Kemper Corporation and has operations across all 50 states. Kemper has written over 5.3 million policies and has more than 26,000 agents in the US. The company has more than $13 billion in assets, making it a reliable choice in terms of financial stability. This is reflected in its ratings from AM Best, a company that rates the financial stability of insurance companies. Kemper has an A- "Excellent" rating from AM Best as of August 2023. Its larger holding company has an A "Strong" rating from Fitch, also as of August 2023.
Kemper Insurance was founded in 1990 with the aim of providing 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 offers a range of insurance products, including auto, personal, life, motorcycle, ATV, and homeowners insurance. Within the property and casualty space, it focuses on non-standard or higher-risk customers.
Despite its strong financial outlook, Kemper has received mixed reviews from customers. It has been ranked in the most expensive quartile among auto insurers in terms of price. Customers have also reported above-average prices and poor customer service compared to similar carriers. Kemper's NAIC rating is 9.99, indicating that it has received a lot more complaints than the average car insurance provider.
However, Kemper does offer various discounts to its customers. These include the Retro Loyalty™ discount for switching to Kemper, the Safe & Sound® discount for being accident-free for at least three years, and the Happily Married discount for couples. Kemper also offers a telematics discount called Kemper Co-Pilot, where customers can receive a 10% premium discount by sharing their driving habits through the Kemper Co-Pilot mobile app.
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Kemper's Home Insurance Coverage
Kemper Insurance is a legitimate insurer that offers a range of insurance products to thousands of homeowners every year. The company is based in Chicago and has been in operation since 1990, providing insurance in 26 states across the US. Kemper's motto is "Improving the World of Insurance", and it strives to achieve this through a focus on customer-centricity, a commitment to excellence, and reliability.
Kemper offers standard homeowners insurance options that can satisfy a variety of needs. Their policies cover damage to the home and personal belongings caused by events such as fire, wind, hail, vandalism, and theft. They also offer additional living expense coverage if repairs need to be done to the home, as well as coverage for boats and rental properties. Kemper provides specific coverage options for renters and condo owners, protecting personal possessions and offering perks such as coverage for theft from vehicles and fire department service charges.
Kemper's home insurance is unique in that it offers coverage tiers, with each level including standard coverages and endorsements such as higher limits depending on the tier selected. They also provide discounts to help lower rates, including for homeowners who can prove ownership, those with prior insurance, those who pay in full upfront, and multi-car insurance.
In terms of rankings, Kemper has received mixed reviews. It was ranked last in the 2022 J.D. Power U.S. Auto Claims Satisfaction study, indicating poor customer satisfaction. It also has a low J.D. Power Auto Claims Satisfaction Study rating and a high number of complaints relative to its size. WalletHub editors give Kemper a rating of 1.4/5, with reviews mentioning above-average prices and poor customer service. However, The Zebra gives Kemper 2.8/5 stars, indicating that it is an average insurance company. Female respondents in their survey chose Kemper as their top overall pick for home insurance, and the company has an A- "Excellent" rating from AM Best for financial stability.
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Kemper's Home Insurance Discounts
Kemper Insurance is a subsidiary of the Kemper Corporation, with operations across all 50 states in the US. The company offers a range of insurance products, including auto, home, life, and health insurance.
Kemper's home insurance policies offer protection for homeowners, renters, and condo owners. The company provides standard coverage options, including protection against damage caused by fire, wind, hail, vandalism, theft, and other risks. Additionally, Kemper offers coverage for additional living expenses if the insured home requires repairs due to a covered loss.
Kemper's home insurance also includes unique features such as coverage tiers, allowing customers to select a level of coverage that suits their needs. Each tier includes standard coverages and additional endorsements and benefits, such as higher limits.
While Kemper's home insurance rates tend to be more expensive than those of similar competitors, the company does offer various discounts to help lower premiums for customers. Here are some of the discounts available with Kemper home insurance:
- Retro Loyalty™: This discount is offered to customers who switch their insurance to Kemper.
- Safe & Sound®: The company provides this discount to customers who have been accident-free for at least three years.
- Happily Married Discount: Kemper offers a discount to couples who are married or in a legal partnership.
- COVID Discount: Some customers have mentioned receiving a COVID discount from Kemper.
It is important to note that Kemper's home insurance did not rank in the 2022 J.D. Power Home Insurance Study, as the company generally does not underwrite its own home insurance policies. However, Kemper has received ratings from other sources, such as WalletHub, where it earned a score of 1.4/5.
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Frequently asked questions
Kemper's homeowners insurance is considered expensive compared to its competitors. It ranks in the most expensive quartile among auto insurers in cost comparisons. However, it offers standard homeowners insurance options that can satisfy a variety of needs without breaking the bank, especially if you bundle coverage with an auto policy.
Kemper's homeowners insurance protects your home and personal belongings from damage caused by covered events like fire, wind, hail, vandalism, theft, and other risks. It can also cover additional living expenses if your home needs repairs due to a covered loss. Additionally, Kemper offers protection for all your personal possessions, including antiques, collectibles, and home electronics, with add-ons like Replacement Cost Contents.
Kemper Insurance's customer satisfaction ratings are mixed. While it has an A- "Excellent" rating from AM Best for financial stability, it has received more complaints than average on the NAIC index, indicating that customers may be less satisfied with their insurance compared to other brands. Kemper's auto insurance was ranked last in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study, and its home insurance was not rated due to not underwriting home insurance policies independently.
