Your Trusted Kemper Insurance Agent

Kemper Insurance is one of the leading providers of flexible and accessible insurance solutions for individuals and families who don’t fit the “standard” insurance profile. If you have an older home, a complicated driving record, a unique vehicle, or difficulty securing coverage elsewhere — Kemper specializes in offering protection when traditional insurers say no.

What Kemper Insurance Offers

Broad, Flexible Coverage

• Auto Insurance (Standard & Non-Standard): Kemper insures drivers with past accidents, tickets, DUIs, or high-risk profiles. They also cover older or non-standard vehicles.

• Home and Property Insurance: Suitable for older homes, rental properties, mobile homes, and properties that standard insurers often reject.

• Insurance for Hard-to-Place Risks: Kemper is known for accepting applicants that other insurers decline due to claims history, property issues, or unique coverage needs.

• Discounts and Savings: Discounts may include multi-vehicle, homeowner, good-student, and telematics-based safe-driving programs.

Pros & Cons

Pros

• Ideal for non-standard risks: Great option for people who’ve been denied elsewhere.

• Customizable policies: Auto, home, renters, and specialty coverages can be mixed and adapted.

• Accessible for high-risk drivers: Offers SR-22 filings and coverage when required.

• Potential affordability: For high-risk profiles, Kemper is often more reasonably priced than alternatives.

Cons

• Mixed customer satisfaction: Some report slower claim handling or inconsistent communication.

• Premiums may be higher than standard insurers: Especially for high-risk drivers or older properties.

• May lack certain premium digital features: Tools and service options vary by state.

Who Should Consider Kemper Insurance

Kemper is especially strong for:

• Drivers with tickets, accidents, DUIs, or lapses in coverage.

• Owners of older homes, mobile homes, rental properties, or non-standard housing.

• People with specialty or older vehicles.

• Anyone previously declined by major carriers.

• Individuals needing custom, flexible protection rather than templated policies.

Frequently Asked Questions (FAQ)

Q: Can Kemper insure high-risk drivers?
Yes. Kemper specializes in auto insurance for drivers with accidents, violations, DUIs, or non-standard profiles.

Q: Does Kemper cover non-standard or older homes?
Yes. They offer property insurance designed for homes that may not qualify with traditional insurers.

Q: Are Kemper’s premiums always higher?
Not always. For high-risk clients, Kemper can be competitively priced compared to other insurers willing to take similar risks.

Q: Does Kemper offer discounts?
Yes — depending on eligibility, discounts can include telematics, multi-car, good-student, and bundling.

Q: Are claims fast and reliable?
Experiences vary. Some customers report slower claim processing, so it’s important to understand your policy details.

Final Thoughts

Kemper Insurance is a strong option for anyone who struggles to get coverage through standard carriers. Their flexible underwriting, acceptance of higher-risk clients, and range of customizable products make them a valuable alternative when traditional insurers aren’t a fit. While claims experience can vary, Kemper’s ability to insure hard-to-place risks is a major advantage.

Get Your Custom Kemper Insurance Quote Today

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