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Kemper Insurance Reviews

  • 3.01 / 5 based on 31 Reviews | Submit Your Review
    Satisfaction
    Claims
    Cost
    Billing
    Service
  • Kemper Insurance is a collection of different insurance companies located throughout the United States. Reserve National, Kemper Home Service, Kemper Direct, Kemper Specialty, Kemper Preferred, Kemper Life and Health Insurance and Kemper Property and Casualty Insurance all operate under the Kemper Insurance umbrella. The collective companies specialize in insurance products for families, individuals and small businesses. Kemper Insurance is licensed to operate in 42 of the 50 U.S. states and boasts of having over 7,500 agents operating across the country. They offer a number of different insurance products, including:

    Financial Ratings

    A.M. Best:A-
    S&P Rating:A-

    Company Information

    12926 Gran Bay Parkway West
    Jacksonville, FL 32258
    (904) 245-5600
    (904) 245-5617 (Fax)
    http://kemper.com


    Company Reviews (31)

  • 9 of 9 people found the following review helpful.

    Hard company to deal with, January, 2016

    I recently got in an accident and had my 2016 BMW M3 taken to a highly reviewed collision center that specialized in high end cars like Ferrari, Bentley, BMW and Mclaren . Kempers adjusters met with them after the break down and the collision center deemed it a "structural total loss".

    Right after the collision center called me and told me about the damage and there is no proper way to fix the vehicle to original specifications. Then the adjuster called me two days later and said with my permission they would like to take my M3 from Tustin it to San Diego (87 miles away) to get a second opinion. I said NO! because the collision specialist told me that they highly recommend not to repair the structural damage.

    I called the adjuster and the claim representative multiple times to get an update on my car. They never picked up or called back. I called the collision center to see what was going on and they told me that kemper was picking up my car! Even after I said NO!

    I finally got a hold of another claim representative that "sat behind" my claim rep. She told me that they were taking my car to "get a second look". I asked for the manager, got Roberts number and called him. After a few minutes of me explaining what was going. He told me that they want to "cut out a section of the structure and weld in new pieces" I then told him "I don't feel comfortable driving a performance vehicle that has been structurally repaired". After that he become hostile and threatened me with arbitation-mediation and said "it's going to cost you a lot of money" then I said I firmly stated for the record "NO" .

    I will be fighting this and taking it to court if i have to

    This company doesn't care about you or your safety

    They want to make money and cut corners and spend less

    go with another company

    Call me or email me if you have any questions or advice

    949 542 0192

    chris@bhhscdm.com

    Thank you

    Chris Meredith

    • Newport Beach, CA
    • 26 Year Old Male
    • Customer for Less than 6 Months
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  • 6 of 6 people found the following review helpful.

    cost went up, April, 2015

    Have never filed a claim but the cost went way up this year.

    • Mishawaka, IN
    • 52 Year Old Female
    • Customer for 3 - 5 Years
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  • 4 of 4 people found the following review helpful.

    I wish I could give a less than 1 star review!, March, 2016

    I was insured with Kemper for a few years. Always was unhappy with their service so eventually I got fed up and canceled it. Today I got a letter in the mail from them. Included with the letter was a check for $5.84 .. in the letter it said "Concerning your above referenced insurance policy: We recently discovered that the premium calculation on your auto policy included an incorrect fee charge. You will be receiving a refund of the cancellation fee, plus interest, soon. Please contact customer service … " etc. So the original cancelation fee was almost $50. and according to their letter they would be sending the full amount "plus interest" when I called in to inquire I was met with attitude and they told me "$5.84 is all you're getting!" They encouraged me to take legal action against them and I told them I would just write bad reviews on every site I could as when I was insured I paid on time monthly and felt I didn't receive services I paid for. Example. The last car accident I was in was caused by the driver behind me and I was rear ended. Kemper found me at fault for this and thats the final straw that led me to canceling my insurance policy with them.

    This is a terrible insurance company. I hope they go out of business because they are robbing people and getting away with it. Another instance I had with them was when my car was parked.. I wasn't even in the vehicle and it was struck by a moving vehicle right in front of me. I was still found at fault. Kemper specialty is a scam from the word go. STAY AWAY! Save yourself the aggravation. The customer service representatives like to argue and they are very VERY difficult to deal with.

    • San Diego, CA
    • Customer for 3 - 5 Years
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  • 2 of 2 people found the following review helpful.

    They are disloyal to their own agents, January, 2016

    If a company isn't concerned about the people that sell it's product they CERTAINLY aren't concerned about the policy holders. The customer service reps are rude and go out of their way it seems to NOT be helpful. The underwriter's are either too lazy to do their job or too busy to do it, I haven't figured out which. They spent 5 years paying every single claim that got called in with complete disregard as to whether or not the policyholder's had coverage and then turned around and blamed the agents for having such high loss ratios. And then SURPRISE they lost A LOT of money and have been taking huge rate increases every year since trying to make up for it. How do you explain to a customer why after having their insurance with a company for 15 years and having no losses their policy went up $1000+....YOU CAN'T. And then for awhile they decided they to put a freeze on new business all together, what their reasoning behind that was I'll never know. They are unreliable and over reactive. I represent 7 companies and they are by far the worst company to work with.

    • Atlanta, GA
    • Customer for 5+ Years
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  • 2 of 2 people found the following review helpful.

    Garbage, October, 2015

    Discontinued me after 2 months. What a joke of a company. I would not recommended this to anyone. Buyer beware. Disgusting service as well

    • Milwaukee, WI
    • Customer for Less than 6 Months
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  • 8 of 9 people found the following review helpful.

    Scary Experience, July, 2015

    I used Select Quote to buy Kemper policies for my main home, a rental home, my auto, and an umbrella. I received quotes for all four and authorized all four. After being a customer for a few months, I realized that I wasn't being charged for the rental home policy. I urgently contacted them to find out that the policy for the rental home was never active. Select Quote could provide no explanation and offered no policy. To add insult to injury, when they did actually activate my policy, I was dinged for not having had continuous coverage for the rental home. My policy was 50% more than what I was originally quoted.

    • Fresno, CA
    • 40 Year Old Male
    • Customer for 1 - 2 Years
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  • 4 of 5 people found the following review helpful.

    Raising of rates, May, 2015

    They continue to raise my rates. Have had One claim on our house in 32 years. Was told that it is standard to raise it 4% every year. Sick of it. Looking elsewhere.

    • Sheboygan Falls, WI
    • Customer for 5+ Years
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  • 11 of 14 people found the following review helpful.

    me, February, 2013

    This is a good company but Kemper has tripled my rates and they don't know why, nor does my agent.

    • Wheat Ridge, CO
    • 52 Year Old Female
    • Customer for 5+ Years
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  • 5 of 7 people found the following review helpful.

    not continue new insurance, April, 2013

    I do not think my house will damage by hurriane in

    the future. I replaced the new vinyl siding and

    shingle on my house. They will not renew the

    home owner insurance in 2013, because the claims occurred in the past.

    • Little Neck, NY
    • 53 Year Old Female
    • Customer for 5+ Years
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  • 4 of 6 people found the following review helpful.

    Syracuse Office , January, 2015

    I was insured through Kemper for under a year due to the incompetency of the agents and inability to help or understand . An agency should not try to take advantage of me or my policy.

    • La Fayette, NY
    • Customer for 6 Months - 1 Year
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  • 2 of 3 people found the following review helpful.

    Worst Company EVER!, July, 2015

    They make a profit doing everything they should not, ( deny and delay claims) and not doing what they should. (Stand behind the policy and up hold their obligations.) They hope that claimants will be too weak to go to court. This company is a disease, avoid it as such.

    • Pocatello, ID
    • Customer for 6 Months - 1 Year
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  • 2 of 3 people found the following review helpful.

    Great Renters insurance, June, 2013

    Kemper has great renters insurance and its too bad that dont carry insurnace for Nebraska as thats where we are moving to.

    • Grand Island, NE
    • 48 Year Old Female
    • Customer for 5+ Years
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  • 1 of 2 people found the following review helpful.

    October, 2014

    Great company!!

    • Fairfield, CT
    • 70 Year Old Female
    • Customer for 5+ Years
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  • 1 of 1 people found the following review helpful.

    Discontinuing auto insurance for MI drivers, October, 2012

    I was very satified with this company, and sad to hear that they no longer write auto insurance for Michigan. If I could renew with them I certainly would.

    • Warren, MI
    • 57 Year Old Female
    • Customer for 2 - 3 Years
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  • 1 of 2 people found the following review helpful.

    Kemper Stopped Writing Homeowners Policies in NC, July, 2012

    Kemper stopped offering homeowners coverage in North Carolina

    • Franklin, NC
    • 65 Year Old Female
    • Customer for 5+ Years
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  • 0 of 2 people found the following review helpful.

    price went up, August, 2012

    my police doubled when i wqs told it would stay the same no happy with that

    • Caseville, MI
    • 43 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 0 people found the following review helpful.

    Worth and longest service ever!!!, April, 2016

    This was our first car claim using Kemper. First of all, it took 3 weeks to get the authorization from Kemper to start working on the car, since we decided to use Mazda's services. Another 2 weeks got to fix the car, each time came up new part of car that had to be fixed and each time Mazda waited for additional authorization. Finally, after almost 6 weeks of waiting and getting calls almost every day, one of the issues WAS NOT FIXED !!! The apprizer based on HER EXPERIENCE told us, that this damage from previous car accident (by the way, this car never was in a car accident that required any kind of fixing). So, she told us that this fix is chip and we can do it on our own for 200$! We pay... Sorry payed Kemper 150$ full coverage insurance. Also, her conclusions were based on pictures only. Worth service EVER!!!

    • San Diego, CA
    • Female
    • Customer for 1 - 2 Years
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  • 0 of 0 people found the following review helpful.

    BEWARE ! They will bait & switch. , February, 2016

    Th Kemper Agent visited our location and we paid for 3 months of coverage for 5 people. When the policy came in, it was NOT for the coverage we paid for. It was much different with only partial coverage. The company had pulled a 'bait-and-switch' hoping we would not realized what had happened.

    • Clayton, GA
    • 62 Year Old Male
    • Customer for Less than 6 Months
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  • 0 of 0 people found the following review helpful.

    Rear ended by Kemper client, January, 2016

    I am not insured with Kemper; I was rear ended by a Kemper Insurance client. I was at a stop light, and when the light turned green, I was about to go, when I was hit very hard by a big pickup truck, from behind. My car was a small two seater sports car with rear engine. The back was smashed in. The license plate was driven into the engine compartment. The engine light came on. I could drive it, but it sounded really bad. I took it to a highly rated local mechanic who has been my mechanic for 20+ years. He told me the mufler and catlytic converter were ripped off the engine. The engine mounts are cracked. The tail-lights are no longer made by any parts maker. Short story, he says it is totaled. But Kemper sends an appraiser to the shop; she only looks at the outside body damage and gives an estimate of $2200, which is not even a fourth of the car's blue-book value. And that "offer" I dragged out of them after several weeks of calling them and asking them to deal with this and finally threatening to get a lawyer. If you are thinking to get insurance, think about what would happen if you make a mistake and cause someone else damage. Do you want your company insurance not to make themselves responsible for the damages, and possibly open you up to getting sued along with them? I hate the idea of getting a lawyer and starting a lawsuit; have never done it; but I see no other way out.

    • College Station, TX
    • 49 Year Old Male
    • Customer for Less than 6 Months
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  • 0 of 0 people found the following review helpful.

    High Rates, Terrible Service, July, 2015

    I was charged much more than the competition but got the policy for the first year because I didn't have time to shop around. When I cancelled a year later they lost my cancellation and charged me for an extra month. Now they are sending me to collections. Kemper customer service is the worst I have ever experienced, I'm just thankful I never needed them when it counted.

    • National City, CA
    • Customer for 1 - 2 Years
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  • 3 of 9 people found the following review helpful.

    February, 2013

    • Auburndale, FL
    • 78 Year Old Female
    • Customer for 3 - 5 Years
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  • 1 of 4 people found the following review helpful.

    October, 2012

    • Walled Lake, MI
    • 39 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 6 people found the following review helpful.

    April, 2014

    • Rowlett, TX
    • 60 Year Old Female
    • Customer for 5+ Years
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  • 0 of 4 people found the following review helpful.

    February, 2014

    • Los Banos, CA
    • 69 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 4 people found the following review helpful.

    December, 2013

    • Roscoe, IL
    • 41 Year Old Female
    • Customer for 5+ Years
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  • 0 of 3 people found the following review helpful.

    August, 2013

    • Asheville, NC
    • 34 Year Old Female
    • Customer for 1 - 2 Years
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  • 0 of 3 people found the following review helpful.

    January, 2013

    • Gaffney, SC
    • 37 Year Old Female
    • Customer for 5+ Years
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  • 0 of 3 people found the following review helpful.

    September, 2012

    • Warren, MI
    • 57 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 1 people found the following review helpful.

    August, 2015

    • Altamonte Springs, FL
    • 35 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 2 people found the following review helpful.

    August, 2013

    • Perris, CA
    • 81 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    April, 2016

    • Clearwater, FL
    • 56 Year Old Female
    • Customer for 5+ Years
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More About Kemper Insurance

Vehicle
  • Auto
  • Commercial Auto
  • Boat
Property
  • Home
  • Renters
  • Condo
  • Personal Valuables
  • Collectibles
Additional Insurance
  • Personal Catastrophe
  • Identity Fraud
  • Package
Lifestyle
  • Life Insurance
  • Health Insurance

Discounts are available on Kemper Insurance products, based on the following criteria and the type of insurance purchased: Auto Insurance Discounts

  • Airbags
  • Anti-lock brakes
  • Anti-theft devices
  • Automatic safety belts
  • Driver training
  • Kids away at college
  • Multiple cars
Home Insurance Discounts
  • Home sprinkler systems
  • Fire and burglar alarms
  • Fire extinguishers
  • Smoke detectors
  • Deadbolt locks

The Kemper Insurance website offers information on each type of insurance policy available, as well as on the company itself. From there, you can locate an agent or purchase an insurance policy online, although this is only available for particular types of insurance. There is also a password protected section for current Kemper Insurance customers, where policies can be managed, claims can be filed and payments can be made.