Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 25, 2020

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Company Details
Address: 12926 Gran Bay Parkway West
City: Jacksonville
State: Florida
ZIP Code: 32258
Phone Number: 904-245-5600
Website: https://www.ekemper.com
Year Founded: 1926
AM Best Rating: A-
Company Rating 3 (2 reviews)

Things to Remember...

  • Kemper Independence Insurance Company, which sells insurance under the Unitrin P & C Insurance Group
  • Kemper is based out of Florida but it has offices throughout the United States
  • Kemper offers home, auto, renter’s and condo insurance

This Kemper Auto Insurance Review will discuss the company known as Kemper Independence Insurance Company, which sells insurance under the Unitrin P & C Insurance Group.

Kemper was started in 1926, and in 2002 was acquired by Unitrin.

If you would like to compare auto insurance quotes for this company or other companies in your area, just enter your ZIP code in the space provided.

Kemper is an independent insurance company that has 4,700 agents working with them.

The insurance company sells homeowners and automobile insurance, as well as property and casualty coverage for individuals.

Kemper Insurance Locations

Kemper is based out of Florida but it has offices throughout the United States. The address for corporate headquarters is 12926 Gran Bay Parkway West, Jacksonville, FL, 32258.

The address for the National Property Service Center and Southeast regional office is 3700 Arco Corporation Drive, Suite 200, Charlotte, NC, 28273.

The customer care center is at 230 Stafford Avenue, Suite 800, Scranton, PA, 18505. The Northeast regional office is at 5784 Widewaters Parkway, Dewitt, NY, 13214.

The Midwest regional office is at 400 S Executive Drive, Suite 200, Brookfield, Wisconsin, 53005.

The regional office in the South Central region is Park Central VIII, 12790 Merit Drive, Suite 400, Dallas, TX, 75251.

The Southwest regional office is located at 80 Blue Ravine Road, Suite 200, Folsom, CA, 95630.

The Northwest regional office is 1330 N Washington Street, Suite 2100, Spokane, WA, 99201.

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Kemper Insurance Products

Kemper offers a variety of insurance product options. They offer:

  • homeowners insurance
  • auto insurance
  • renters insurance
  • condo insurance

Additional coverage options include collectible insurance, identity fraud insurance, personal property insurance, boat insurance, umbrella coverage, and home-based business insurance.

Kemper Insurance Claims

Kemper Insurance strives to resolve claims in a courteous, fair, and prompt manner. In order to do this, claims representatives have specific goals in mind.

The goals include:

  • protecting the client’s interests thoroughly
  • paying equitable and just claims promptly
  •  responding to complaints and inquiries quickly
  • making sure the representatives and policyholders understand the claim process
  • assisting parties and individuals in providing explanations of denial or settlement decisions

Other goals include: issuing payments for settlements quickly after making a claim decision, whether it is the same day or within three days; contacting the individuals filing a claim on a personal basis within 24 hours.

Kemper Insurance and its representatives understand that a loss, whether it is to your home or due to an auto accident, is never fun or easy.

They do their best to provide the greatest claim service within their ability and helping you through the loss.

Kemper Insurance Agents

Kemper Insurance only uses independent insurance agents to distribute their services and products. Independent agents are different than captive agents.

Captive agents are agents who work for one insurance company and can only offer that company’s products.

Independent agents are able to offer a wide variety of services and products from a number of different insurance companies.

As independent agents, they do not work for Kemper. This independence allows the agents to have more flexibility because they can tailor an insurance policy to fit your specific needs.

Using an independent agent is an effective and efficient way to distribute insurance products. The best coverage and price can be found from an independent agent.

Independent agents are located throughout the United States so it is easy to find one in your local area. When you form a relationship with an insurance agent they will be there for you through all of your life changes.

When your needs change, they will be there to help decide what the right insurance coverage would be for you, whether it is more coverage or less.

When you choose an agent in your area, they are easy to get a hold of and also are familiar with your town or city, which helps in the long run.

You can enter your ZIP code in the space provided in order to compare auto insurance quotes for a number of different companies.

References:

  1. https://www.ekemper.com
  2. http://www.kemper.com/wps/portal/KemperPreferred/Home/AboutKemper
  3. http://www.kemper.com/wps/portal/KemperPreferred/Home/InformationCenter/FAQs/lp_faqs?contentIDR=96725fc4-bf70-44da-9b14-917f44de64a5&useDefaultText=1&useDefaultDesc=0
  4. http://www.kemper.com/wps/portal/Kemper/Home/InsuranceOptions/additionalinsurance/personalcatastropheliability/lp_personalcatastropheliability
  5. http://www.kemper.com/wps/portal/Kemper/Home/InsuranceOptions/property/collectibles/lp_collectibles
  6. http://www.nolo.com/legal-encyclopedia/dealing-with-your-insurance-company-faq.html
  7. http://www3.ambest.com/ratings/entities/CompanyProfile.aspx?ambnum=914&URatingId=2286273&bl=0&AltSrc=1&PPP=&AltNum=0&Ext_User=&Ext_Misc=
  8. http://www.investopedia.com/terms/i/independent-agent.asp