Kemper Insurance is an American insurance provider company that offers various types of insurance, including auto, home, life, health, and renters insurance to individuals, families and businesses. The company’s mission is to provide financial protection and peace of mind to its policyholders by offering customized insurance solutions tailored to their specific needs.
Kemper Insurance was founded in 1926 by James S. Kemper, Sr., a successful businessman and politician from Illinois. Initially known as Lumbermens Mutual Casualty Company, the company specialized in providing insurance coverage to the lumber and woodworking industries. Over time, Kemper Insurance expanded its offerings to include other types of insurance, such as auto and home insurance.
In the 1980s and 1990s, Kemper Insurance experienced significant growth through a number of mergers and acquisitions, including American Motorists Insurance Company, which allowed it expand into auto insurance and the Mutual Benefit Life Insurance Company, which allowed it to expand into the life insurance market. In 1990, Kemper Insurance merged with Unitrin, Inc., a financial services holding company, to form Unitrin Kemper Insurance. In 2002, the company changed its name to Kemper Corporation to better reflect its diverse range of insurance offerings. These acquisitions have allowed Kemper Insurance to expand its product offerings and increase its market share
Kemper Insurance is headquartered in Chicago, Illinois, and has regional offices across the United States.
Types of Insurance Offered by Kemper Insurance
Kemper Insurance offers a wide range of insurance products to meet the needs of individuals and businesses. Here are some of the types of insurance offered by Kemper Insurance:
Auto Insurance: Kemper Insurance offers several types of auto coverage, including comprehensive and collision coverage, liability coverage, and uninsured/underinsured motorist coverage for personal and commercial vehicles. The company also offers optional coverage, such as roadside assistance, rental reimbursement, and gap coverage.
House insurance and Renters insurance: Kemper Insurance offers homeowners insurance, condo insurance, and renters insurance. This could serve to protect against damage to property caused by a variety of events, such as fire, theft, and weather-related incidents. The company also offers additional coverage, such as flood insurance and earthquake insurance. Renters insurance could also cover your personal property and liability for damage or injury to others while you are renting a home or apartment. This coverage can also include additional living expenses if you are forced to temporarily relocate due to damage to your rental property and personal liability.
Life Insurance: Kemper Insurance offers term life insurance, whole life insurance, and universal life insurance to provide financial protection for loved ones in the event of an unexpected death. The company also offers accidental death and dismemberment (AD&D) insurance, which pays a benefit if you die or are seriously injured in an accident
Health Insurance: Kemper Insurance offers individual and family health insurance plans, including short-term health insurance and Medicare Supplement insurance. It offers health insurance through its subsidiary, Reserve National Insurance Company. The company offers several types of health insurance coverage, including hospital indemnity insurance, cancer insurance, and accident insurance.
Business Insurance: Kemper Insurance offers commercial auto insurance, general liability insurance, and workers’ compensation insurance to protect businesses from financial losses due to property damage, lawsuits, and employee injuries. Kemper Insurance offers commercial insurance coverage for businesses of all sizes. The company also offers specialty insurance products, such as cyber liability insurance and directors and officers (D&O) insurance
Benefits of Kemper Insurance
Kemper Insurance offers several benefits to its policyholders, including:
- Customizable Coverage: Kemper Insurance offers a range of insurance products that can be customized to meet the specific needs of policyholders.
- Competitive Rates: Kemper Insurance offers competitive rates on its insurance products, making it an affordable option for many consumers.
- Financial Stability: Kemper Insurance has a strong financial rating, indicating that it has the resources to pay out claims to policyholders in a timely manner.
- Convenience: Kemper Insurance offers online quotes, policy management tools, and 24/7 customer service, making it easy for policyholders to manage their insurance policies.
- Discounts: Kemper Insurance offers a variety of discounts to its policyholders, including safe driver discounts, multi-policy discounts, and loyalty discounts.
In addition, Kemper Insurance has a high level of customer satisfaction. The company has received positive reviews from customers for its excellent customer service, fast claims processing, and affordable prices.
Drawbacks of Kemper Insurance
There are some drawbacks associated with using Kemper insurance and they include:
- Limited Availability: Kemper Insurance is not available in all states, which may limit its appeal to some consumers.
- Mixed Customer Reviews: Kemper Insurance has received mixed customer reviews, with some policyholders reporting issues with claims processing and customer service.
- Limited Coverage Options: Kemper Insurance does not offer all types of insurance, such as pet insurance or travel insurance, which may be a drawback for some consumers.
Locations where Kemper Insurance is available
Kemper Insurance is a US-based insurance company but its availability may vary depending on the state and type of insurance you are looking for. Here are some general guidelines:
Kemper Insurance offers auto insurance in 26 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Texas, Virginia, and Washington.
Kemper Insurance offers home insurance in 34 states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington.
Kemper Insurance offers renters insurance in 38 states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.
Keep in mind that the availability of Kemper Insurance may change, and it’s always best to check with the company or a licensed insurance agent for the most up-to-date information.
Kemper Insurance Career Opportunities
Kemper Insurance values diversity and inclusivity and seeks to create a workplace that is supportive and respectful of all employees. The company also offers training and development programs to help employees enhance their skills and advance their careers. If you are interested in pursuing a career with Kemper Insurance, there are several options available. Here are some examples:
Sales Representatives: Kemper Insurance is always looking for talented sales representatives who can help expand their customer base. As a sales representative, you will be responsible for promoting and selling Kemper Insurance products to potential customers.
Claims Adjusters: Claims adjusters are responsible for investigating insurance claims and making sure that they are properly handled. They work closely with customers and other insurance professionals to ensure that claims are settled fairly and efficiently.
Underwriters: Underwriters evaluate insurance applications and determine whether or not to offer coverage. They also set premiums based on risk factors and other factors.
Customer Service Representatives: Kemper Insurance is always looking for customer service representatives who can help customers with their insurance needs. As a customer service representative, you will be responsible for answering questions, resolving issues, and providing support to customers.
To learn more about career opportunities at Kemper Insurance, you can visit their website or check out their current job listings on job search websites and apply online.
From there, you will be prompted to enter your login credentials, which will allow you to access your policy information and manage your account online.
Online services provided by Kemper Insurance
Kemper Insurance offers various online services to its customers for convenience and easy access to their insurance policy information. Some of these services include:
- Online Account Management: Customers can create an online account with Kemper Insurance and manage their policy details, view billing statements, and make payments online.
- Claims Reporting: Customers can report a claim online through Kemper Insurance’s website. They can also track the progress of their claim and receive updates through the online portal.
- Policy Renewals: Customers can renew their policies online and make changes to their coverage as needed.
- Policy Documents: Customers can access and view their policy documents online, including their declarations page, policy contract, and billing statements.
- Customer Service: Kemper Insurance provides customer service online through its website. Customers can contact customer service representatives through the online portal and get their queries resolved.
To access Kemper insurance online services, all you need to do as a customer is visit Kemper Insurance’s website at www.kemper.com and click on the “Customer Login” button located in the top right corner of the page and create an account. You can then log in to their account and access the online services.
