What Kemper Insurance is and who uses it
Kemper Corporation is an insurance company that sells auto, home, and life insurance policies directly to consumers and through agents. The company operates several brands under different names — Kemper, Infinity, Preferred, and others — but they all belong to the same parent company. If you're shopping for insurance or received a quote from one of these brand names, you're looking at a Kemper product.
Kemper focuses on customers who have had accidents, traffic violations, or lapses in coverage — people who might find standard insurance harder to get or more expensive. The company also sells policies to drivers and homeowners with clean records. Like any insurance company, Kemper sets rates based on your driving history, claims history, location, and the coverage you choose.
Key Takeaways
- Kemper Corporation owns multiple insurance brands (Kemper, Infinity, Preferred) and sells auto, home, and life insurance through direct channels and agents.
- The company specializes in insuring drivers and homeowners with accidents or violations on their record, though it also serves customers with clean histories.
- Kemper rates vary by state, driving record, and the specific coverage limits you select, so comparing quotes from multiple insurers helps you understand your options.
- You can get a quote online, by phone, or through an independent agent, and policies typically begin coverage within days of purchase.
- Filing a claim with Kemper can be done online, by phone, or through the mobile app, and the company assigns an adjuster to assess damage or liability.
Types of coverage Kemper offers
Kemper's auto insurance includes liability coverage (which pays for damage or injury you cause to others), collision coverage (which pays for damage to your car from an accident), and comprehensive coverage (which covers theft, weather, and vandalism). You can also add uninsured motorist coverage, which protects you if you're hit by someone without insurance. Most states require you to carry at least liability coverage before you can legally drive.
Homeowners insurance from Kemper covers the structure of your home, your personal belongings inside it, liability if someone is injured on your property, and additional living expenses if you have to leave your home temporarily due to damage. Like auto insurance, the amount of coverage and the deductible you choose affect your monthly or annual premium. Kemper also offers renters insurance, which covers your belongings and liability but not the building itself (the landlord's insurance covers that).
Life insurance through Kemper includes term life (coverage for a set number of years) and whole life (coverage for your entire life, with a savings component). Term life is usually less expensive and is common for people who want to protect their family's income during their working years. Whole life costs more but builds cash value over time.
How to get a quote and purchase a policy
You can request a quote from Kemper online through its website, by calling the company's phone line, or by working with an independent insurance agent who represents Kemper. Online quotes usually take 10 to 15 minutes and ask for information about your driving history, current coverage, and the vehicle or home you want to insure. Phone quotes follow the same process but with a representative walking you through the questions.
Once you've received a quote, you can purchase the policy when ready if you want coverage to start right away. Kemper typically allows you to begin coverage within one to three business days of purchase. You'll need to provide payment information and confirm the coverage limits and deductible you've chosen. If you're financing a car or have a mortgage, your lender may require you to maintain certain minimum coverage levels.
After you buy a policy, Kemper sends you a declarations page (a summary of what's covered and what you're paying) and policy documents that explain the full terms. You can manage your policy online through your account, make payments, view your coverage, and update personal information without calling.
How claims work and what to expect
If you need to file a claim — for example, after a car accident or home damage — you can start the process online, by phone, or through Kemper's mobile app. When you file, you'll describe what happened, provide the date and location, and answer questions about injuries or damage. For auto claims, you may also need to provide the other driver's information if another vehicle was involved.
After you file, Kemper assigns an adjuster to your claim. The adjuster's job is to investigate what happened, determine whether the damage or loss is covered under your policy, and decide how much the company will pay. For auto claims, the adjuster may request photos, a police report, or repair estimates. For home claims, the adjuster typically inspects the damage in person.
The time it takes to settle a claim varies. straightforward claims (like a minor car accident with clear liability) may be resolved in days or weeks. Complex claims (like a major home fire or a dispute over who caused an accident) can take longer. Kemper will communicate with you throughout the process and explain any decisions about coverage or payment amounts.
Rates, discounts, and how Kemper compares to other insurers
Kemper's rates depend on your age, driving or claims history, location, the type of vehicle or home you're insuring, and the coverage limits and deductible you choose. The company is known for offering policies to drivers with accidents or violations, but that doesn't mean its rates are always higher than other companies for those customers — rates vary widely by state and individual situation. The only way to know whether Kemper's price works for you is to compare quotes from at least two or three other insurers.
Kemper offers discounts for things like bundling auto and home policies, maintaining continuous coverage without lapses, completing a defensive driving course, and installing safety features in your vehicle or home. Some discounts vary by state. Ask about all available discounts when you get a quote, because they can meaningfully reduce your premium.
Compared to large national insurers like State Farm or Geico, Kemper may be more competitive for drivers with accidents or violations. Compared to other insurers that specialize in high-risk drivers, Kemper's rates may be higher or lower depending on your specific situation. Shopping around takes time but often saves money, especially if you haven't compared rates in the past year or two.
Customer service and how to reach Kemper
Kemper offers customer service by phone, online chat, and through its website. Phone lines are typically available during business hours, and wait times vary depending on call volume. For non-urgent questions — like updating your address or asking about a discount — the online chat or your account portal may be faster. For urgent issues like filing a claim after an accident, calling is usually the quickest option.
You can also manage your account online or through the Kemper mobile app, which lets you view your policy, make payments, request roadside information (if you have that coverage), and upload documents for a claim. The app is available for both iOS and Android devices.
Frequently Asked Questions
Does Kemper insure drivers with accidents or bad driving records?
Yes. Kemper specializes in insuring drivers who have had accidents, traffic violations, or lapses in coverage. However, the company also insures drivers with clean records. Your driving history affects your rate, but having an accident or violation doesn't automatically disqualify you from getting a Kemper policy.
What's the difference between Kemper, Infinity, and Preferred insurance?
All three are brands owned by Kemper Corporation. They may target slightly different customer groups or offer different features, but they're all part of the same company. When you buy from any of these brands, you're buying Kemper insurance. The specific brand you see depends on where you shop or which agent you work with.
Can I cancel my Kemper policy anytime?
Yes, you can cancel at any time, though some policies have a cancellation fee if you cancel before the policy term ends. The fee amount and whether one applies depend on your state and the specific policy. Check your policy documents or call Kemper to ask about cancellation terms before you purchase.
How long does it take to get a Kemper insurance quote?
Online quotes typically take 10 to 15 minutes. Phone quotes take about the same amount of time. You'll need information about your driving history, current coverage, and the vehicle or home you want to insure. Some quotes are available when ready; others may take a few hours if Kemper needs to verify information.
What should I do if I disagree with a claim decision?
If Kemper denies your claim or offers less than you believe you're owed, you can ask the company to review its decision. Request a written explanation of why the claim was denied or reduced, then contact Kemper's customer service to discuss your options. You may also file a complaint with your state's insurance commissioner if you believe the company violated state insurance laws.