All About Kemper Preferred Car and Home Insurance
In operation around the U.S., Kemper Preferred Insurance saves its customers, even high-risk drivers, through a variety of programs and discounts.
Written by Cheryl Knight
Reviewed by Carrie Adkins
Table of Contents
Previously operating as Unitrin, Inc., Kemper Preferred Insurance adopted its current name 2011. Offering insurance through a number of subsidiaries,
Kemper
provides car and home insurance for individuals and families.How Kemper Preferred Insurance compares to other insurance companies
Kemper Corporation operates through a number of subsidiaries, with Kemper Preferred Insurance handling the company's car and home insurance for individuals and families. Serving its customers through independent and career agents and brokers, the insurer also handles policies directly through the company's website. With more than $8 billion in assets, the Kemper Corporation employs roughly 6,000 associates to serve its customers.
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Kemper Preferred Insurance offers a variety of insurance policies for cars and homes.
Car insurance types
Kemper Preferred Insurance has the standard lineup of car insurance products, including:
Home insurance types
In addition, Kemper Preferred Insurance offers homeowners a variety of standard home insurance products, including:
- General dwelling coverage
- Other structure coverage
- Personal belongings coverage
- Additional living expenses coverage
- Liability coverage
Coverage options provided by Kemper Preferred Insurance
Kemper Preferred Insurance customers can also purchase additional coverage for a variety of unique car and home situations. This allows individuals to tailor their policy to fit their specific needs.
Car insurance coverage options
When it comes to car insurance, Kemper Preferred Insurance offers a wide range of coverage options, including:
- Kemper Total coverage
- Auto loan/lease coverage
- Parked auto coverage
- Roadside assistance
- High risk auto insurance
- SR-22 program
- Reconditioned vehicle program
- Broad Form coverage
Home insurance coverage options
For your home insurance needs, Kemper Preferred Insurance has options that allow you to cover specialty items, such as a boat, or acquire additional protection for your home, such as
flood insurance
. Other coverage options include:- Replacement cost contents coverage
- Replacement cost dwelling coverage
- Boat coverage (as a part of your homeowners policy)
- Rental property coverage
- Identity fraud expense insurance
- Flood insurance
Discounts you can get through Kemper Preferred Insurance
Car insurance discounts
Whether you have multiple policies, pay your account in full annually, or maintain a
good driving record
, Kemper Preferred Insurance has you covered with a wide variety of discounts, such as:- Anti-Lock brakes discount
- Anti-theft devices discount
- Away at School discount
- Driver training discount
- Free-a Tree discount
- Good student discount
- Happily Married discount
- Kemper EZPay discount
- Multi-car discount
- Network discount
- Package plus discount
- Paid-in-full discount
- Passive restraint/airbags discount
- Preferred Payer discount
- Prior insurance discount
- Residence discount
- Safe & Sound discount
- Senior operator defensive driving course discount
Home insurance discounts
Additionally, Kemper Preferred Insurance offers its customers a selection of home insurance discounts, including:
- Package Plus discount
- Loss-free discount
- Loyalty discount
- Mature homeowner discount
- Protective devices discount
States in which you can find Kemper Preferred Insurance
Kemper Preferred Insurance offers car and home insurance in all 50 states plus the District of Columbia. To find an agent, visit the
Kemper website
.Available Kemper Preferred Insurance apps
Kemper Preferred Insurance offers the Kemper Photo Inspection mobile app. The Kemper Photo Inspection app for
Android devices
and Apple devices
allows you to take pictures to go along with your claim with Kemper Preferred Insurance to help speed the claims process.Better Business Bureau (BBB) and A.M. Best ratings for Kemper Preferred Insurance
You can also check out how Kemper Preferred Insurance treats its customers by looking at it BBB rating on the BBB Website. Kemper Preferred Insurance has an
A+ rating
with the BBB, signifying a favorable relation with its customers and a tendency to resolve customer complaints quickly and satisfactorily.You should also check out the company's financial stability through A.M. Best. Kemper Preferred Insurance has an A.M. Best
rating of A-
, signifying financial stability and making the company a sound investment for your money.Using the financial strength imparted by its numerous subsidiaries, Kemper Preferred Insurance provides car and home insurance to millions of individuals across the U.S. Furthermore, Kemper's business practices have resulted in a good overall customer satisfaction rating with the BBB. The company's multitude of discounts also means that customers can save money on their premiums.
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