All About Kemper Preferred Car and Home Insurance

In operation around the U.S., Kemper Preferred Insurance saves its customers, even high-risk drivers, through a variety of programs and discounts.

Cheryl Knight
All About Kemper Preferred Car and Home Insurance

Previously operating as Unitrin, Inc., the company adopted the name Kemper Corporation in 2011. Offering insurance through a number of subsidiaries, Kemper Preferred Insurance serves as the company’s provider of car and home insurance for individuals and families.

Part 1 of the following article describes how Kemper Preferred stands out from other insurance companies, Part 2 lists the types of insurance Kemper provides, Part 3 discusses the various coverage options available, Part 4 goes into more detail on discounts available from Kemper, Part 5 lists the states in which you can find Kemper Preferred, Part 6 talks about the Kemper Photo Inspection app, and Part 7 covers the ratings for Kemper Preferred from both the Better Business Bureau (BBB) and A.M. Best.

Part 1 of 7: Kemper Preferred Insurance key differentiators compared to other insurance companies

Kemper Corporation operates through a number of subsidiaries, with Kemper Preferred Insurance handling the company’s car and home insurance for individuals and families. Serving its customers through independent and career agents and brokers, the insurer also handles policies directly through the company’s Website. With more than $8 billion in assets, the Kemper Corporation employs roughly 6,000 associates to serve its customers.

Part 2 of 7: Types of car and home insurance provided by ­­­Kemper Preferred Insurance

Kemper Preferred Insurance offers a variety of insurance policies for cars and homes. The following section covers the insurance types they offer in more detail.

  • Car insurance types: Kemper Preferred Insurance has the standard lineup of car insurance products, including:

  • Bodily injury liability coverage

  • Property damage liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Uninsured/underinsured motorist coverage
  • Personal injury protection coverage

  • Home insurance types: In addition, Kemper Preferred Insurance offers homeowners a variety of standard home insurance products, including:

  • General dwelling coverage

  • Other structure coverage
  • Personal belongings coverage
  • Additional living expenses coverage
  • Liability coverage

Part 3 of 7: Coverage options provided by ­­­ Kemper Preferred Insurance

Kemper Preferred Insurance customers can also purchase additional coverage for a variety of unique car and home situations. This allows individuals to tailor their policy to fit their specific needs.

  • Car insurance coverage options: When it comes to car insurance, Kemper Preferred Insurance offers a wide range of coverage options, including:

  • Kemper Total coverage

  • Auto loan/lease coverage
  • Parked auto coverage
  • Roadside assistance
  • High risk auto insurance
  • SR-22 program
  • Reconditioned vehicle program
  • Broad Form coverage

  • Home insurance coverage options: For your home insurance needs, Kemper Preferred Insurance has options that allow you to cover specialty items, such as a boat, or acquire additional protection for your home, such as flood insurance. Other coverage options include:

  • Replacement cost contents coverage

  • Replacement cost dwelling coverage
  • Boat coverage (as a part of your homeowners policy)
  • Rental property coverage
  • Identity fraud expense insurance
  • Flood insurance

Part 4 of 7: Discounts you can get through Kemper Preferred Insurance

Kemper Preferred Insurance offers a variety of discounts for car and home insurance. The following section details the discounts the company has to offer.

  • Car insurance discounts: Whether you have multiple policies, pay your account in full annually, or maintain a good driving record, Kemper Preferred Insurance has you covered with a wide variety of discounts, such as:

  • Anti-Lock brakes discount

  • Anti-theft devices discount
  • Away at School discount
  • Driver training discount
  • Free-a Tree discount
  • Good student discount
  • Happily Married discount
  • Kemper EZPay discount
  • Multi-car discount
  • Network discount
  • Package plus discount
  • Paid-in-full discount
  • Passive restraint/airbags discount
  • Preferred Payer discount
  • Prior insurance discount
  • Residence discount
  • Safe & Sound discount
  • Senior operator defensive driving course discount

  • Home insurance discounts: Additionally, Kemper Preferred Insurance offers its customers a selection of home insurance discounts, including:

  • Package Plus discount

  • Loss-free discount
  • Loyalty discount
  • Mature homeowner discount
  • Protective devices discount

Part 5 of 7: States in which you can find Kemper Preferred Insurance

Kemper Preferred Insurance offers car and home insurance in all 50 states plus the District of Columbia. To find an agent, visit the Kemper Website.

Part 6 of 7: Available Kemper Preferred Insurance apps

Kemper Preferred Insurance offers the Kemper Photo Inspection mobile app. The Kemper Photo Inspection app for Android devices and Apple devices allows you to take pictures to go along with your claim with Kemper Preferred Insurance to help speed the claims process.

Part 7 of 7: BBB and A.M. Best ratings for Kemper Preferred Insurance

You can also check out how Kemper Preferred Insurance treats its customers by looking at it BBB rating on the BBB Website. Kemper Preferred Insurance has an A+ rating with the BBB, signifying a favorable relation with its customers and a tendency to resolve customer complaints quickly and satisfactorily.

You should also check out the company’s financial stability through A.M. Best. Kemper Preferred Insurance has an A.M. Bestrating of A-, signifying financial stability and making the company a sound investment for your money.

In conclusion, using the financial strength imparted by its numerous subsidiaries, Kemper Preferred Insurance provides car and home insurance to millions of individuals across the U.S. Furthermore, Kemper’s business practices have resulted in a good overall customer satisfaction rating with the BBB. The company’s multitude of discounts also means that customers can save money on their premiums.

Read next