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Kemper Home Insurance: Reviews, Coverage, and More

Kemper offers extensive home insurance coverage to residents of 13 states. Learn about the company’s prices, reputation, and more in our Kemper home insurance review.

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Home insurance can protect you when the unexpected occurs. You might think your home warranty will safeguard your wallet when your home catches on fire, gets struck by lightning, or when someone vandalizes or burglarizes it—but it won’t. A home insurance policy can help pay for repairing and rebuilding your home’s interior and exterior structure, as well as replace your damaged or destroyed personal property, in the case of a covered disaster.

Choosing the best home insurance company for you can be tricky. Not all homeowners insurance companies are the same quality, and they can differ in terms of coverage, cost, availability, and more. The This Old House Reviews Team created this in-depth Kemper home insurance review to help you determine if it’s the best fit for you needs.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Kemper Home Insurance Cost?
  • Reviews of Kemper Insurance
  • Kemper vs. the Competition
  • Our Conclusion
  • Frequently Asked Questions

Our Take

Kemper offers solid homeowners insurance, featuring all industry-standard protections alongside a wide selection of endorsements, ranging from identity theft coverage to electronic data recovery. The company has more than 100 years of experience and an A+ rating with the Better Business Bureau. Unfortunately, its services are only available in 13 states, and the company charges relatively high monthly premiums. We give Kemper an overall score of 88.50 out of 100 on key metrics like coverage, cost, availability, and more.

On Kemper’s Better Business Bureau profile, complaints cite billing issues and difficulty reaching customer service. Reviews echo these concerns, mentioning phone calls and emails going unanswered.

Pros & Cons

Compare the advantages and disadvantages of Kemper Preferred home insurance.

Kemper Pros & Cons

Pros Cons
Pros Cons
Extensive endorsement options High monthly premiums
More than 100 years of experience Only available in 13 states
A+ BBB rating Majority of reviews are negative

Coverage

Kemper offers all six forms of industry-standard basic coverages.

Kemper Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost to repair or rebuild your home in the event of a covered loss, including detached structures like a shed or fence
Personal property Covers the cost of damage or destruction of personal items, like furniture, clothing, appliances, and electronics
Personal liability Covers the cost of legal fees if you are sued after a guest is injured on your property
Loss of use/additional living expenses Covers the costs associated with temporarily living away from home, including accommodations and meals, due to covered loss
Medical payments to others Covers the medical costs for injuries that occur to others while on your property

Kemper offers a wide range of endorsements to allow you to customize your coverage:

  • Electronic media recovery
  • Identity theft
  • Energy efficiency
  • Sewer backup
  • Water backup and sump pump failure
  • Computer and computer equipment
  • Valuables
  • Homeowners Association
  • Assisted living facility
  • Perishable goods
  • Earthquake coverage
  • Home owned as part of a trust

Availability

Kemper offers home insurance in 13 states, including:

  • Arizona
  • Colorado
  • Connecticut
  • Illinois
  • Maryland
  • Michigan
  • Missouri
  • Nevada
  • Ohio
  • Oregon
  • Pennsylvania
  • Wisconsin
  • Virginia

How Much Does Kemper Home Insurance Cost?

The exact amount you pay for Kemper home insurance depends on many factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We received an instant quote for a new construction, single-family, roughly 2,000-square-foot home in Philadelphia. The monthly premium came out to $246.50.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $329,100
Other structures $32,910
Personal property $230,370
Loss of use/additional living expenses $65,820
Personal liability $100,000
Medical payments to others $1,000
Monthly Cost $246.50

Discounts

Kemper offers several discounts to help lower your rate.

  • Age of home
  • Protective devices
  • Homebuyer
  • Age of roof
  • Bundle
  • Loss-free
  • Loyalty
  • Mature homeowner
  • Package Plus

Reviews of Kemper Insurance

Kemper is not accredited by the Better Business Bureau (BBB) and holds an A+ rating from the organization. The majority of the reviews on its profile are negative. Reviews on the BBB are not separated out by type of insurance, and most are not specifically Kemper home insurance reviews.

Crystal J. said:

“I have been waiting almost two months for an answer on whether or not my car will be fixed. They just ignore calls and emails. The managers are not helpful in any way. This insurance company is the worst I have ever dealt with.”

Na V. said:

“Out of a dozen phone calls to have an existing claim closed out and vehicle repaired I was only ever able to speak to the adjuster twice. No matter the amount of messages left they won’t return your phone call. Had I gone through my insurance (USAA) instead of the driver at faults (Kemper) my claim would’ve been resolved within a week. Instead we had to play phone tag with Kemper for five weeks. Your adjusters should be let go and your phone assistants should take over. Allison was tremendous and assuring. ** Thompson, the adjuster, and their supervisor Sarah were not. I feel terrible for your paying customers.”

Kemper vs. the Competition

See how Kemper stacks up against some of its top competitors on key metrics.

Comparison

Provider Kemper Lemonade Amica
Provider Kemper Lemonade Amica
Get a Free Quote Not available through This Old House Visit Site Not available through This Old House
Our Score 88.50 83.50 96.60
State Availability 13 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 102 6 114
24/7 Claims Service by Phone X
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App X

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

Kemper offers extensive home insurance coverage, including many endorsements like electronic data recovery, and has been in business for more than 100 years. However, Kemper has a limited service area of 13 states, and its rates are more costly than some of its competitors’. Overall, we give Kemper a score of 88.50 out of 100.

To find the best provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area. You can do this by calling 855-948-5219 or using the tool below.

Company Information

  • Company name: Kemper Personal Insurance
  • Company type: Private
  • CEO: Joseph P. Lacher
  • Year founded: 1919
  • Headquarters: 12926 Gran Bay Parkway West, Jacksonville, FL 32258
  • State availability: 13
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created an objective and comprehensive rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Is Kemper a good insurance company?

We believe Kemper is a solid homeowners insurance company, offering a wide range of coverage, including many endorsement opportunities. However, the company provides services for a high monthly premium, comparatively.

Who has the cheapest homeowners insurance?

Of the companies we have evaluated, Lemonade, Costco, and MetLife have some of the cheapest homeowners insurance rates we’ve seen.

What are the best homeowners insurance companies?

The best homeowners insurance companies are a matter of opinion. The This Old House Reviews Team has selected the best homeowners insurance companies based on a variety of metrics, including coverage, availability, cost, and more:

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.