The bottom line
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
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:
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
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.
Identity fraud: Pays for expenses that come with recovering your identity after a cyber attack or financial fraud.
Blanket personal property coverage: Increases coverage limits for everything in a category of items, like jewelry, firearms, or computers.
Scheduled personal property: Offers increased coverage limits for specific valuables, like jewelry, sports equipment, and fine artwork.
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.
Personal umbrella liability: Extends your liability coverage limits in case someone is injured on your property and you’re found liable.
Mobile home insurance: Insure your manufactured or mobile home with the standard coverages listed in the above section.
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.
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.)
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.
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
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.
What discounts does Kemper offer?
You can save on the cost of Kemper home insurance if you qualify for any of these discounts:
Bundling: If you bundle your home and auto insurance with Kemper.
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 vs. other home insurance companies
Compare Kemper home insurance to other insurers in the industry:
Frequently asked questions
Is Kemper a good insurance company?
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 and home insurance expert at Policygenius, where she oversees our homeowners 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.
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