Kemper Insurance

This Kemper Insurance review will cover Kemper Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Kemper Insurance A.M. Best rating is A-, and the Kemper Insurance S&P Rating is A-. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 10, 2021

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Company Details
Address: 12926 Gran Bay Parkway West
City: Jacksonville
State: FL
ZIP Code: 32258
Phone Number: (904) 245-5600
Fax: (904) 245-5617
Website: kemper.com
AM Best Rating: A-
S&P Global Ratings: A-

Kemper Insurance is a collection of different insurance companies located throughout the United States. Reserve National, Kemper Home Service, Kemper Direct, Kemper Specialty, Kemper Preferred, Kemper Life and Health Insurance and Kemper Property and Casualty Insurance all operate under the Kemper Insurance umbrella. The collective companies specialize in insurance products for families, individuals and small businesses. Kemper Insurance is licensed to operate in 42 of the 50 U.S. states and boasts of having over 7,500 agents operating across the country. They offer a number of different insurance products, including:

Kemper Insurance is a collection of different insurance companies located throughout the United States. Reserve National, Kemper Home Service, Kemper Direct, Kemper Specialty, Kemper Preferred, Kemper Life and Health Insurance and Kemper Property and Casualty Insurance all operate under the Kemper Insurance umbrella. This organization of companies specialize in insurance products for families, individuals and small businesses. Kemper Insurance is licensed to operate in 42 of the 50 U.S. states and boasts of having over 7,500 agents operating across the country. They offer a number of different insurance products, including:

Vehicle

  • Auto
  • Commercial Auto
  • Boat

Property

  • Home
  • Renters
  • Condo
  • Personal Valuables
  • Collectibles

Additional Insurance

  • Personal Catastrophe
  • Identity Fraud
  • Package

Lifestyle

  • Life Insurance
  • Health Insurance

Discounts are available on Kemper Insurance products, based on the following criteria and the type of insurance purchased.

What Auto Insurance Options and Discounts Does Kemper Offer?

Kemper offers discounts on auto insurance coverages for things like:

  • Airbags
  • Anti-lock brakes
  • Anti-theft devices
  • Automatic safety belts
  • Driver training
  • Kids away at college
  • Multiple cars
  • Accident forgiveness

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What Discounts Does Kemper Offer on Home Insurance?

If you’re on the market for homeowners insurance, Kemper offers a multi-policy discount. So you can combine your home and auto insurance company and other policies. They also offer discounts for:

  • Home sprinkler systems
  • Fire and burglar alarms
  • Fire extinguishers
  • Smoke detectors
  • Deadbolt locks

Where Can You Find More Information about Kemper Auto Insurance?

Kemper’s website offers a wealth of information about different policy options. You can read about term life insurance, auto policy options, and more. Since Kemper has moved many processes online, you can also check on the claims process.

Some prefer to look at consumer complaints and reviews online before making any decisions. This is an easy way to see what the average insured experience looks like. With your driving record and other information, an online quote will tell you about how much you’ll pay for Kemper auto policies.

The Kemper Insurance website offers information on each type of insurance policy available, as well as on the company itself. From there, you can locate an agent or purchase an insurance policy online, although this is only available for particular types of insurance. There is also a password protected section for current Kemper Insurance customers, where policies can be managed, claims can be filed and payments can be made.

Reviews
for Kemper Corporation

2.89 (205 reviews)
1
April 24, 2022

Karla_

Too expensive!

Kemper is a rip off. My payment goes up a few dollars after a few months and they just disregard it as ‘it’s just a few dollars’. Maybe I don’t have a few dollars and thought the agreed amount would stay the same. Be aware. I would never refer to them to anyone. As careful of a driver as I am I don’t feel comfortable they would cover damages from an accident.
1
April 2, 2022

Moquendo_

This company is not trustworthy! Look for another insurance

Beware of these people, I renewed my insurance policy with them, paid in full and then get a bill the next month for $904.00 more! I called and spoke with [REDACTED NAME] she basically said that my insurance increased because the change of address, BUT I was not informed of this at the time of renewal. Now I have to either come up with an extra $375 within a week or I’ll have to pay the $904. There are many companies, don’t go with them they ...
Beware of these people, I renewed my insurance policy with them, paid in full and then get a bill the next month for $904.00 more! I called and spoke with [REDACTED NAME] she basically said that my insurance increased because the change of address, BUT I was not informed of this at the time of renewal. Now I have to either come up with an extra $375 within a week or I’ll have to pay the $904. There are many companies, don’t go with them they will blind side you with extra charges!
1
July 10, 2021

sergeche

the worst insurance ever

If you don't want to loose your money, time and nerves never have any business with this company. My car was declared total loss more than 2 months ago, their adjustors and supervisors just never call you back. When you try to reach them, you never spend less than 40 minutes on the phone line,waiting for somebody to answer, you leave your information again and again and nobody calls your back. Next week I will go to the consumer protection agency...
If you don't want to loose your money, time and nerves never have any business with this company. My car was declared total loss more than 2 months ago, their adjustors and supervisors just never call you back. When you try to reach them, you never spend less than 40 minutes on the phone line,waiting for somebody to answer, you leave your information again and again and nobody calls your back. Next week I will go to the consumer protection agency, because people should be protected from dishonest business practices
1
July 6, 2021

Garrett_W

THE WORST INSURANCE COMPANY EVER - THEY WILL NOT HELP YOU

If you want a claim to be handled, at all, when you are 100% not at fault, stay far away from Kemper! I was involved in a crash 2/22/2021 and was 100% not at fault and Kemper still has not taken care of my claim. I have had three different adjusters who either stop responding or tell me "a manager will get back to me" (5 times now) or "it is being reviewed by the _____ team now" (3 times now) and nother ever happens. IT HAS BEEN FIVE MONTHS FO...
If you want a claim to be handled, at all, when you are 100% not at fault, stay far away from Kemper! I was involved in a crash 2/22/2021 and was 100% not at fault and Kemper still has not taken care of my claim. I have had three different adjusters who either stop responding or tell me "a manager will get back to me" (5 times now) or "it is being reviewed by the _____ team now" (3 times now) and nother ever happens. IT HAS BEEN FIVE MONTHS FOR A $2,000 CLAIM AND THEY WILL NOT HELP ME. THE WORST COMPANY I HAVE EVER DEALT WITH.
1
June 28, 2021

MsKendall

Worst Customer Service

I have been stranded for over 3 hours and continue to call Kemper claims for road side assistance. They initially had me on hold aware I was stranded on the side of the road then disconnected the call with no return call. It may be that their call service is in India; however it is horrible customer service. I have now called over 7 times and they continue to disconnect the call. While the rate is reasonable, you definitely get what you pay f...
I have been stranded for over 3 hours and continue to call Kemper claims for road side assistance. They initially had me on hold aware I was stranded on the side of the road then disconnected the call with no return call. It may be that their call service is in India; however it is horrible customer service. I have now called over 7 times and they continue to disconnect the call. While the rate is reasonable, you definitely get what you pay for. I will researching a new auto insurance and pay the slightly higher premiums.
1
June 17, 2021

RVo

Beware of Kemper crooks.

Simply a bunch of crooks. They WILL STEAL your money with no hesitation. So my catalytic converter was stolen. The Kemper crooks paid only $600+ instead of the $2500. Their adjuster had math problems and stole the money even on taxes. Nobody answers or returns calls. I hope I'll sue them in California.
1
June 16, 2021

Worried_Mom

Buyer Beware!!!

From experience with this insurance company i can tell they are not great. My son was in a car accident with someone who has Kemper as their insurance provider. I could have called my insurance company and had everything paid, however it was the other drivers fault and not my son. So it made sense to me to call Kemper instead. The accident happened on 4/6/2021 it took about a week and half to get the police report but once i had it i contacte...
From experience with this insurance company i can tell they are not great. My son was in a car accident with someone who has Kemper as their insurance provider. I could have called my insurance company and had everything paid, however it was the other drivers fault and not my son. So it made sense to me to call Kemper instead. The accident happened on 4/6/2021 it took about a week and half to get the police report but once i had it i contacted the adjuster [REDACTED NAME] at Kemper. My first phone call was 4/21/2021, i figured and insurance company is busy so i didn't expect a phone call back until Friday or Monday.. I never got a phone call back, as a matter of fact i called 5 times before i heard anything from anyone at Kemper. I have the tow company calling me and asking me what im doing with the car I spoke with the lady at the desk and she basically told me some insurance companies are scams and they will get out of not paying their customers. She also told me to write to the state and tell them about the insurance company so i did that and wouldn't you know, i had three people from the insurance company call me back. [REDACTED NAME] who was one of the people that called me back had the nerve to say she didn't have my information. And i told her i called you more then 5 times and left my information - her response just floured me "oh i haven't checked my messages"... Seriosuly!!!!! My son was in a car accident that left his car totalled and you didn't check your messages!!! I took the liberty to scan an send her all the information that i had, it turns out she no longer was my adjuster as my son was hurt and went to the hospital. Anyway - The accident happened back in April here is is June and i still have not resolved the cases nor have I received a check. My gut should have been to call and get a lawyer.... AND i still have time so i suggest anyone that has an issue with this insurance company get a lawyer.. Save yourself some headach and time.
1
May 19, 2021

Brijames1001

Do not do it

I got this insurance years ago because I needed an SR-22 and they offered affordable rates. Do yourself a favor and just pay a little more for a legitimate insurance company. This company has zero integrity and even less morality. They charge a $73 cancelation fee, which is totally normal for an insurance company to do. However, they won’t tell you that when you cancel. They will just send you to collections a year later without a phone call, w...
I got this insurance years ago because I needed an SR-22 and they offered affordable rates. Do yourself a favor and just pay a little more for a legitimate insurance company. This company has zero integrity and even less morality. They charge a $73 cancelation fee, which is totally normal for an insurance company to do. However, they won’t tell you that when you cancel. They will just send you to collections a year later without a phone call, without an email, nothing. And when I called them to ask why $73 showed up as a delinquency on my credit report, they at that point told me about the cancelation fee. And when I asked why they didn’t tell me that at time of cancelation, she said “because it’s not due at the time of cancelation”. I had to scratch my head over that one because if I’m calling to cancel my policy and no one mentions any fee to do so, even one due at a later date, then why would I ever call them back?! When I asked her why I didn’t get an email or a call or a letter about it, she said “that’s not our policy”... again scratching my head. So, your policy is to not tell someone they owe you money and then hurt their credit later? It’s like this company is a sore loser or a significant other that’s mad they got dumped, so they come after you later. Jokes aside, this company needs a new owner, one that’s not a pos. I’m literally in the process of trying to buy a home and my credit just dropped almost 40 points for a $73 payment.... screw you kemper.
2
April 5, 2021

Andrea_Hernandez

Worst Auto Insurance Company Ever!

It's been two months since the accident, and I call the adjuster of my case ( [REDACTED NAME] Mullady) every other day to inquire about my claim but no answer or call back within the next 24 hours as announced on her answering machine. I (mistakenly) thought that my case escalated when I requested to speak to a supervisor ([REDACTED NAME]) to whom I've been leaving several voice messages as well but no response either. Then, I managed to speak ...
It's been two months since the accident, and I call the adjuster of my case ( [REDACTED NAME] Mullady) every other day to inquire about my claim but no answer or call back within the next 24 hours as announced on her answering machine. I (mistakenly) thought that my case escalated when I requested to speak to a supervisor ([REDACTED NAME]) to whom I've been leaving several voice messages as well but no response either. Then, I managed to speak to a representative who was able to inform me that they were waiting on a letter from the lender, but I later called the bank, and they told me they had sent the letter on March 8. I insisted on trying to contact someone in the claims department, and now they gave me the number of a third person in the command chain but again, another answering machine, this time referring directly to another specialist, which is also not picking up the phone and requesting to leave a message. In summary, it is impossible to get in contact with an adjuster, a supervisor, and a Senior Manager in order to get a proper update of a claim.
1
January 13, 2021

THEROADDOG

KEMPER IS GARBABE!

Put in a towing claim. It took them close to 2 months to get back with me to tell me that they do not cover towing. Then, why am I paying all this money to them? SCREW YOU KEMPER!
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