--- title: "What is Kemper Insurance? [Updated 2026]" description: "Kemper is a Chicago-based insurance company that can sell you car or auto, commercial, commercial umbrella, business owners, life, motorcycle, ATV, and homeowners insurance nationwide. It focuses on non-standard auto customers." canonical: "https://www.coveragecat.com/reviews/kemper" last-updated: "2026-08-13" --- # What is Kemper Insurance? [Updated 2026] 1. [Introduction to Kemper Insurance](#introduction) 2. [What Kinds of Insurance Does Kemper Offer?](#typesof) 3. [Does Kemper Sell Auto or Car Insurance?](#sellprimary) 4. [Does Kemper Sell Homeowners Insurance? ](#sellsecondary) 5. [How Does Kemper Insurance Work?](#howdoesitwork) 6. [Pros and Cons of Kemper Insurance](#proscons) 7. [Get Customer Support Or File A Claim For Kemper Insurance](#customersupport) 8. [Frequently Asked Questions](#faq) ### Introduction to Kemper Insurance Kemper is a Chicago-based insurance company that sells insurance nationwide to car or auto, commercial, commercial umbrella, business owners, life, motorcycle, ATV, and homeowners. Within the property and casualty space it focuses on non-standard, or higher-risk, auto customers. It was the 12th largest auto underwriter in the United States [in 2022](https://www.fitchratings.com/research/insurance/fitch-downgrades-kemper-p-c-holding-company-ratings-17-08-2023#:~:text=Fitch%20has%20also%20downgraded%20the,BBB%2D'%20from%20'BBB'.). The Kemper family of companies holds approximately $12 billion in assets and serves over 4.6 million policies through a network of approximately 24,200 agents and brokers [(Kemper Corporation, "Quick Facts about Kemper | Auto Insurance | Life Insurance Kemper", 2025)](https://www.kemper.com/about-kemper/quick-facts). Kemper completed a major acquisition when it purchased Infinity Insurance in 2018 for $1.4 billion, which brought different claims cultures and business approaches under the Kemper umbrella [(AutoAccident.com / Law Offices of Edward A. Smith, "Kemper Insurance", 2024)](https://autoaccident.com/kemper-insurance/). ### What Kinds of Insurance Does Kemper Offer? [Kemper has a range of consumer insurance products](https://www.kemper.com/). On the auto side they provide coverage for auto motorcycle, ATV. Additionally, they also offer insurance for homeowners, life, and commercial insurance. | Coverage Type | Key Features | Availability | |--------------|--------------|--------------| | Personal Auto | Liability, collision, comprehensive, non-standard risk specialty | Nationwide in 26 states | | Life Insurance | Term, whole life, guaranteed issue | Available in select states | | Motorcycle/ATV | Recreation vehicle coverage | Nationwide | | Homeowners | Standard structures, liability, personal property | Limited states after 2023 exit from preferred market | | Commercial | Business auto, commercial umbrella, BOP | Select markets | In August 2023, Kemper announced its exit from the preferred home and auto business, which represents a major strategic shift for the company. This decision came after financial challenges in those market segments. The company now concentrates its personal lines operations on non-standard auto insurance where it maintains stronger competitive positioning [(Insurance Business Magazine, "Kemper swings to Q4 loss, misses estimates by 70% as claim severity spikes", 2026)](https://www.insurancebusinessmag.com/us/news/breaking-news/kemper-swings-to-q4-loss-misses-estimates-by-70-as-claim-severity-spikes-564553.aspx). ### Does Kemper Sell Car Insurance? Yes, Kemper auto insurance policies feature liability, collision, and comprehensive coverage. They offer mostly [stock auto insurance policies](/homeowners-insurance) with a focus on non-standard buyers. Personal auto business makes up 70% of Kemper's operations, with significant concentration in California [(Investing.com, "Kemper at Raymond James Conference: Strategic Moves in Auto Insurance", 2026)](https://in.investing.com/news/transcripts/kemper-at-raymond-james-conference-strategic-moves-in-auto-insurance-93CH-5269661). Kemper auto insurance operates in 26 states and specializes in drivers who may have been denied coverage elsewhere because of accidents, tickets, or credit issues. The company offers the Kemper Co-Pilot telematics program, which provides a 10% discount for drivers who agree to monitor their driving behavior [(Kemper, "Kemper Co-Pilot telematics program", 2024)](https://www.kemper.com/insurance-products/personal-auto/kemper-auto/copilot). Additional coverages available through Kemper include SR-22 insurance for high-risk drivers and coverage for reconditioned vehicles. ### Does Kemper Sell Homeowners Insurance? Kemper sold homeowners insurance with multiple coverage levels until August 2023. The company previously offered three tiers: Kemper Prime Home Essentials, Enhanced, and Elite, all with flexible coverage limits [(Nsure.com, "Kemper", 2021)](https://www.nsure.com/insurers/kemper/). Coverage was mostly standard for homes primary and secondary structures. Buyers could add protection for their things or liability when required and available (may vary state by state). Following the company's strategic exit from the preferred home and auto market in 2023, homeowners insurance availability through Kemper has become significantly more limited. Customers seeking homeowners coverage should verify current product availability in their state directly with Kemper or through an independent agent. ### How Does Kemper Insurance Work? Kemper Insurance offers a variety of insurance policies aimed at non-standard auto insurance buyers and better off homeowners. They also have other lines of business that won't be the subject of this review. Much of Kemper's business is done through agents, you can buy Kemper through [Coverage Cat](/), who are then paid a commission when you purchase insurance through them. In some case you can also purchase through their online portal linked below. The company's claims process operates in several stages. Simple claims stay in First Notice of Loss while complex claims move to Initial Action [(Kemper Auto, "The Claims Process: Where Is My Claim? | Kemper Auto", 2025)](https://customer.kemper.com/knowledge-center/understanding-insurance/claims-process). Coverage issues can delay claim payments, and rental car coverage is not available until those issues resolve. Kemper provides two-way texting for claim updates and document sharing. ### Pros and Cons of Kemper Insurance | Financial Strength Metrics | Rating/Value | Source | |---------------------------|--------------|--------| | AM Best Financial Strength Rating | A- (Excellent) | Affirmed August 2025 | | Assets Under Management | $12 billion | Company disclosure 2025 | | Policies in Force | 4.6 million | Company disclosure 2025 | | Q4 2025 Combined Ratio | 105% | Quarterly earnings report | | Q4 2025 Net Income | $(8) million loss | Quarterly earnings report |

Pros

Cons

Customer satisfaction remains a challenge for Kemper insurance. The company ranks 16th nationwide for overall customer satisfaction according to [(Forbes, "Best Car Insurance For Teens And Young Drivers Of 2026", 2026)](https://www.forbes.com/advisor/car-insurance/best-car-insurance-for-teens/). Common Kemper insurance complaints include adjusters not returning calls for weeks during claims, delays in processing claims that can extend over three months, and refusal to pay loss of use expenses [(Trustpilot, "Kemper Reviews | Read Customer Service Reviews of kemper.com", 2025)](https://www.trustpilot.com/review/kemper.com). The company reported a net loss of $8 million for Q4 2025, missing analyst estimates by 70% with adjusted earnings per share of $0.25 versus the $0.90 consensus estimate [(Insurance Business Magazine, "Kemper swings to Q4 loss, misses estimates by 70% as claim severity spikes", 2026)](https://www.insurancebusinessmag.com/us/news/breaking-news/kemper-swings-to-q4-loss-misses-estimates-by-70-as-claim-severity-spikes-564553.aspx). The underlying combined ratio increased 5.4 points to 105% due to elevated bodily injury severity in California. ### Get Customer Support For Or File A Claim With Kemper Insurance If you'd rather contact them online, customer support for Kemper Insurance is available through a [contact form](https://www.kemper.com/about-kemper/contact-us). Contact can be made via phone, or email. Customer support can be reached at 800-782-1020 and the email [customer.service@ipacc.com](mailto:customer.service@ipacc.com) which is shared with claims. Claims can be reached at 800-353-6737. For Kemper Personal has a separate customer service email [customerrelations@kemper.com](mailto:customer.service@ipacc.com) and lines at 877-252-7878. They also provide a mortgage verification number: 877-589-8883 and a suspected insurance fraud hotline: 866-372-8382. The claims and general addresses are: **Claims**: 123 Town Square Place PMB 785 Jersey City, NJ 07310 **General**: Kemper Personal Insurance / 5555 Gate Parkway, Suite 500 / Jacksonville, FL 32256 Coverage Cat users can sometimes get help with insurance support and we might be able to contact Kemper on your behalf. **How to Cancel Kemper Insurance** To cancel Kemper Insurance, contact their customer service or your insurance agent. They will guide you through the cancellation process. Coverage Cat user's, we can often handle your cancellation for you. ### Frequently Asked Questions **Should I Buy Kemper Insurance?** Kemper Insurance matches buyers who can't find insurance coverage through insurance carrier that are more standard (and likely cheaper). If you're struggling to find insurance options or underwriting that will take you elsewhere, Kemper could be a good candidate for you. For Kemper Personal, their more upscale lines of business: you'll need to chat with an agent that can compare Kemper prices for you or do the work yourself if possible. For both lines of products consider your specific insurance needs, location, and evaluation of other available options. Compare offers before you buy and consider the pros and cons for any coverage. According to [(U.S. News & World Report, "Kemper Life Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/life-insurance/kemper), Kemper offers three types of life insurance policies: term, whole, and guaranteed issue meant to cover final expenses only. **Is Kemper Insurance a Real Insurance Company?** Yes, Kemper is a legitimate insurer. It is backed by reputable carriers in the industry and offers a range of products that help thousands of homeowners every year. They have an [A- "Excellent" rating](https://ratings.ambest.com/CompanyProfile.aspx?BL=0&amb=02701&AltNum=8782701&AltSrc=4) from [AM Best](https://web.ambest.com/home), a company that rates the financial stability of insurance companies. [(AM Best, "AM Best Affirms Credit Ratings of Kemper Corporation, Its Affiliates and Subsidiaries", 2025)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-190000222.html) confirmed this rating was affirmed in August 2025. It's larger holding company has an A "Strong" rating from [Fitch](https://www.fitchratings.com/research/insurance/fitch-downgrades-kemper-p-c-holding-company-ratings-17-08-2023#:~:text=Fitch%20has%20also%20downgraded%20the,BBB%2D'%20from%20'BBB'.) as of August 2023. **Is Kemper Insurance an Admitted Carrier?** Yes, Kemper Personal and Kemper Auto are directly backed by a carrier with a lead operating subsidiary, Trinity Universal Insurance Company. Bamboo Insurance is a managing general agency (MGA), which means they are licensed to sell specialized insurance coverage for a carrier. Whether you buy Bamboo Insurance through an admitted carrier or an excess and surplus line depends on the product you're buying, and your property's risk level. To learn what options are available to you, get a quote through your agent or [Coverage Cat](https://www.coveragecat.com/intake). **How Does Kemper Insurance Make Money?** Kemper Insurance makes money through the premiums that its policyholders pay. Kemper in particular claims to be particularly good at assessing non-standard buyers for their risk. The company also generates investment income from its approximately $12 billion in assets. However, recent financial performance shows challenges, with the company reporting an underlying combined ratio of 105% in Q4 2025, meaning they paid out more in claims and expenses than they collected in premiums during that period. **Is Kemper Insurance Good?** Whether Kemper is good insurance depends on your specific situation. For non-standard drivers who have difficulty getting coverage elsewhere, Kemper auto insurance provides an important option. The company ranks 9th nationally for full coverage affordability and 7th for minimum liability coverage, making it competitive on price for certain buyer profiles. However, customer satisfaction ratings reveal significant concerns. The company ranks 16th nationwide for overall customer satisfaction, and [(Better Business Bureau, "Kemper Corporation | BBB Reviews", 2026)](https://www.bbb.org/us/il/chicago/profile/insurance-companies/kemper-corporation-0654-5449/customer-reviews) shows customer reviews average 1 out of 5 stars despite the company's A+ BBB accreditation. Common Kemper insurance complaints include poor customer service, claims handling issues, and communication problems. The company's financial challenges also warrant attention. Kemper reported a net loss for Q4 2025 and missed earnings estimates significantly. The company is currently in a leadership transition with the board searching for a new CEO, a process expected to take six to nine months [(Investing.com, "Kemper at Raymond James Conference: Strategic Moves in Auto Insurance", 2026)](https://in.investing.com/news/transcripts/kemper-at-raymond-james-conference-strategic-moves-in-auto-insurance-93CH-5269661). **Is Using Kemper Worth It?** Kemper Insurance can be a good fit for non-standard drivers nationwide as well as homeowners in CA, ID, IL, NY, OR, PA, WA who can benefit from their standard or preferred homeowners products. However, availability of homeowners products has become more limited following the company's 2023 strategic exit from preferred home and auto markets. The only way to know for sure though is to use a commission blind insurance optimization tool like Coverage Cat. ### ###