Kemper Corporation Insurance Review [2023]

Is Kemper Corporation a Good Choice?

Kemper Corporation is an insurance provider that writes policies in all 50 states. The company has almost $15 billion in assets and services over 6.6 million policies.

Kemper operates several businesses under its parent company, including:

• Kemper Auto
• Infinity Insurance (California only)
• Kemper Personal Insurance
• Kemper Health
• Kemper Life

Founded in 1990, the company has changed hands several times. Initially, Kemper’s name was Unitrin, Inc., before being rebranded to Kemper Corporation in 2011. It is a public company under the trading symbol KMPR.

Kemper has grown to the 28th largest insurance company in the U.S. by acquiring several smaller companies throughout the years.

Kemper Insurance Online Platform

Kemper has a thorough, user-friendly website offering its customers and agents several tools to access policy details.

Customers can get a quote directly from Kemper through its online quote tool. Customers can also find a nearby agent with Kemper’s map search tool.

The Kemper Insurance login portal lets you create an account where you can access your policy documents, make online payments, file claims, and upload photos. You can also contact your insurance agent through your online account.

Agents can apply to partner with Kemper through its “Become an Agent” page.

How do I contact Kemper Insurance?

Kemper Corporation has offices located throughout the country. The best way to contact Kemper is by finding your local office through an online Google search.

The main Kemper Insurance phone number is 888-252-2799. You can also contact Kemper through its website’s online form submission.

The main corporate mailing address is:

Kemper Corporation

200 E. Randolph St., Suite 3300

Chicago, Illinois 60601

What is the financial strength of Kemper Insurance?

Kemper operates under several company names, but all of its companies fall under the parent company, Kemper Corporation.

Kemper Corporation touts an “A” — or excellent — rating by A.M. Best. However, A.M. Best revised Kemper’s financial outlook to negative in 2022. The reason for the negative rating is that the companies operating under Kemper reported significant earnings loss and reduced capital levels. The current forecast says that its earnings weaknesses will continue into the future.

Most of the deterioration occurred in Kemper’s auto line of business, which experienced a sharp increase in claims severity. With recent supply chain issues, labor shortages, and inflation pressure in 2021, the automobile and healthcare industry experienced severe claims increases, therefore affecting Kemper’s bottom line.

Kemper Insurance Customer Reviews

Kemper has several hundred reviews left by customers, primarily for local offices listed on Google. Out of those reviews, the average customer rating is 2.5 stars, lower than average for an insurance company.

Most reviews left for Kemper are from auto insurance customers.

Many customers have had a negative experience with Kemper Auto. Many complain of difficulty receiving reimbursement checks, and several customers experienced their claims getting denied entirely.

There are also several complaints about poor customer service across many of Kemper’s local offices.

On a high note, many customers said that their insurance policies are the most affordable available. Others have had success with local insurance agents that are professional and helpful with the claims process.

Overall, Kemper Insurance customer reviews are mixed and vary greatly depending on the type of insurance and the ratings received for local offices.

National Complaint Index Report

According to the National Association of Insurance Commissioners, Kemper Corporation received 27 complaints in 2021, with a complaint index score of 5.65. The national average complaint index score is one, meaning Kemper’s complaint score is five times higher than the national average.

Poor customer reviews and a high complaint index score are red flags that Kemper Insurance has serious customer satisfaction issues.

Kemper Corporation Coverage Options

Kemper Corporation offers insurance policies for practically every coverage type on the market. The company writes auto, property, business, life, and health insurance policies in personal and commercial formats.

Kemper Auto Insurance Coverage

Kemper provides personal auto insurance coverage you can customize to fit customers’ needs, including several policies ranging from basic liability coverage to comprehensive and collision policies.

Several discounts are available to customers with an auto policy, including defensive driver, military, anti-theft, and good student discounts.

Kemper Property Insurance Coverage

Kemper offers several property insurance policy types, including:

• Home insurance
• Renters insurance
• Condo insurance
• Mobile home insurance
• Flood insurance

There are discounts available with each property insurance policy type, such as home safety, protective devices, multi-policy, and military discounts.

Kemper Business Insurance

Kemper provides commercial auto, general liability, and business owner’s policies.

Within these policies, you can cover business operations, property, vehicle fleets, and employee injuries.

Additional Coverages

Kemper Insurance covers several customizable policies to include all of your personal effects. Additional coverages include:

• Motorcycle insurance
• All-terrain vehicle and off-road vehicle insurance
• Recreational vehicle insurance
• Boat insurance
• Personal valuables insurance

Kemper also offers a personal umbrella liability policy. This policy protects you from exhausted liability limits of your standard insurance coverage. It also includes protection of losses from libel, slander, defamation of character, and other people’s property in your care.

Kemper Life Insurance

If you die unexpectedly, a life insurance policy provides funding to your family. Kemper has several life insurance products, including whole life, term life, and accident plans.

Kemper Health Insurance

Kemper Health is an independent sector providing several health insurance benefits to customers.

Some of the available health coverage options Kemper provides are:

• Accident policies
• Fixed indemnity policy
• Hospital confinement
• Dental and vision
• Home health care
• Critical illness
• Outpatient policy

Kemper offers practically every type of insurance coverage to customers and discounts rates for bundling policies.

Kemper Insurance Review for 2022: The Bottom Line

Kemper Corporation is an insurance company offering practically every insurance type available. The company has changed hands several times and became Kemper Corporation 11 years ago.

You can obtain coverage by getting a policy from independent insurance agents in offices across the United States. Kemper’s online website also features a quote tool.

Kemper offers lots of information on its website, including the coverage types available to its customers. Its handy online platform allows customers to pay their bills, view insurance documents, and file a claim.

However, there are some troubling signs for Kemper.

This year, A.M. Best revised Kemper Corporation’s financial outlook to negative. In recent years, Kemper has experienced financial difficulties in its auto and health sector and saw a sharp rise in claims.

Kemper’s customer reviews tend to lean to the negative side, including how Kemper denies claims and doesn’t cover reimbursements.

Kemper Corporation’s confirmed complaint index is five times higher than the national average, an alarming statistic.

However, its policies are cheap, and you can get discounts for combining several policies into one premium.

Overall, Kemper has some red flags customers should be aware of before committing to taking out policies with the company.