Kemper Insurance Reviews
3.10 / 5 based on 48 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
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:
Company Information12926 Gran Bay Parkway West
Jacksonville, FL 32258
(904) 245-5617 (Fax)
Company Reviews (48)
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!!!
poor coverage, all show no go, May, 2016
I got this so called insurance through a local insurance agent, this so called insurance (kemper) big on monthly payments demands but when it comes to cover the cost of the repair(fender bender) minus the deductible, they flake out. They will not cover
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.
Status of car still unsure after a month, July, 2016
My fiance and I were involved in an accident where a car t-boned us, and since their insurance limit was only $5k, we had to go with our own.
The accident happened on June 6, and it is July 1 today and they STILL dont know how much the damage of our car is worth (i.e. whether it's totaled or not).
They told us in the 1st week that they should know by the next, so when we didn't receive a call in the 2nd week, we called them. They told us that there was a miscommunication with the appraisal and that it had been cancelled, so they had to reschedule, and so they should know by the 3rd week. I don't understand why there would even be a cancellation of the appraisal. So again, they told us that we should know by the 4th week.
I called them on Wednesday (June 29), and our claim agent told us that they should know by the end of the day and she told ME to call HER for an update. So I told her, "No, you need to call us as soon as you find out", and she agreed.
It is now Friday (June 1), and she still hasn't given us a call, so I called her this morning. She was unreachable (for the 4th time already this month), so I was transferred to another person, in which they said that the appraiser JUST received our car and that we should know by next Tuesday or Wednesday. I asked them if it normally takes this long, and she told me that it does take a while, but not this long. We then called HQ to complain, and all they said was that they "hope we know by next week". Wow.
Since we don't know if our car has been totaled or not, we don't know if we need to buy a new car, so we've been paying out-of-pocket for a rental car since "we didn't opt for the rental reimbursement option" when we were never even told that there was such a thing.
All in all, their claims department is a joke, and I can tell they do not consider their clients as a priority. They expect YOU to call and ask for updates.
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.
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.
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
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.
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.
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
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.
cost went up, April, 2015
Have never filed a claim but the cost went way up this year.
Don't Even Think About It!, July, 2016
I was a Kemper customer for almost 10 years. My agent won my business by offering lower premiums over a competitor. I had my home and vehicles insured by Kemper. We had a storm come through this past spring, and had some roof damage. The adjuster came out, and was very vague about the process for having our roof repaired. His report recommended, and Kemper agreed, to only replacing the front half of our roof! I met with 5 roofing contractors and none of them had ever heard of such nonsense. Needless to say I forked out over 6k for a complete roof job. Kemper ponied up $400, as they only covered 1/2 of the roof and I had a 3k deductible (thanks again Mr "Family Friend/I'm a Christian" agent). The customer service rep Chris was the rudest, most unprofessional person I've run across in a long time. My advice to Kemper customers is to run away from these blood-suckers as fast as you can, before you have to file a claim! And if you're considering becoming a customer, Don't Do It!!!
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.
me, February, 2013
This is a good company but Kemper has tripled my rates and they don't know why, nor does my agent.
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.
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.
Terrible customer service!, September, 2016
I can't believe how terrible these people were to work with! I had auto insurance through Kemper for about 5 years, and decided to give them a call one day to see if I could bundle my plan and increase my savings. They informed me of a new marraige discount, and coincidentally I just got married 2 weeks ago so I was thrilled about the discount. My husband does not drive my car, and he has insurance on his own vehicle, but they needed his license number. Apparently he had a traffic violation on his record from 3 years ago that will be disappearing off his record in the next month and now they not only will not give me the discount, but they are increasing my price by $95 for the rest of the year! Had I waited 1 month this would not have happened. The lady I spoke with was very rude in the phone, and when I asked if after 1 month, when the ticket was off his record, if we could change the plan she said that I would need to call back then and they can see what they can do about removing that extra charge! Unbelievable. I will never use not recommend Kemper to anyone.
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.
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.
The Best I've found so far..., September, 2016
Being very analytical, when I originally purchased our insurance coverage for our Home and Cars, I looked into several carriers. I liked the fact that their homeowners policy is an Open perils or All-Risk policy which very few carriers offer because it has very few exclusions. Most insurance companies only offer a standard policy which is laden with conditions and exclusions. They also offered the lowest premium! In addition, the Automobile policy was also solid and did not have liability limitations for guests that occasionally drive my cars, which can end up costing your lifestyle if they cause a serious accident. (A colleague of mine nearly lost his home this way) Plus there was a 20% discount on both for their package plan. We've had 2 claims and in both cases the adjusters were prompt and I received a check within days not weeks. We've been insured with Kemper for over 8 years now and the rates have stayed virtually the same. Also,My independent agent was very knowledgeable and was able to educate me on some things that I wasn't aware of. I didn't get that with Costco or Geico. Overall very satisfied with this company and the agent.
Solid Company with great rates, June, 2016
I asked my Agent about companies and he highly recommended Kemper based on their stability and history. I have not had a problem at all with the company, even when my teenage daughter 'dinged' our car.
price went up, August, 2012
my police doubled when i wqs told it would stay the same no happy with that
Excellent service and claims handling, September, 2016
With a competitive product and excellent customer service and claims handling, it's no wonder why Kemper is one of the best insurance companies in California.
Needs better service on claims representative, September, 2016
They need better service on claims representative the app was kind of confusing and I honestly feel like they estimated the claim low I'm going to get a second opinion with a professional collision repair center I will leave another review notifying what happened with second appraisal
Kemper has come back into Mainstream again, September, 2016
Kemper is easy to use and our Marketing Rep is the best. The only customer service I am happy with is from our Marketing Rep.
Worst Claim Service, August, 2016
My vehicle was hit by a Kemper insured driver. They accepted liability and were responsible for the damages. The told me to upload pics of my vehicle including damages on their app so I did. They then wrote an estimate based solely off the pictures. I then took the vehicle to my dealer which they did in person and they gave me a completely different estimate which took longer to repair and cost as well. When we asked for a rental vehicle the adjuster Darrel Brooks told us that they only owe for reasonable transportation. I have a full size suv and kids and this idiot wanted to put me in a compact car saying it was reasonable. I then escalated this to his manager Dayna who Ive left multiple voicemails and had other claim reps send priority emails to her and transferred me to her when she WAS available and still I have not heard a response or anything from her. Worst service ever!!!!! Please don't consider signing up with this company.
Kemper is AWFUL!!!!!, June, 2016
I am writing to issue a complaint about the poor service that I have received from Kemper Insurance company.
After being rear-ended in a collision on March 11, 2016, the adjuster, Mr. Alberto Rios, rendered my Audi A4 a total loss. It was taken to a yard facility by the name of CoParts, but I was NOT notified of its removal of the collision repair center. As a result, the property items that were still in my vehicle were stolen and I have NOT received them.
After repeatedly contacting the CoParts Yard Manager, Mr. Gerson Maldonado, and the Kemper agent, Mr. Alberto Rios, both employees callously told me that "there was nothing they could do to recover the lost items." Not only is this unprofessional, but egregious. A representative from Kemper should have contacted me to alert me to the fact that my vehicle was being moved to a new location. Why did Kemper choose not to do this? Had I been informed, of course, I would have dashed over to the site to recover my items before they were stolen or destroyed.
Unfortunately, I now must warn other customers not to utilize Kemper auto insurance. The agents are overwhelmed and incapable of managing their clients.
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.
Kemper Stopped Writing Homeowners Policies in NC, July, 2012
Kemper stopped offering homeowners coverage in North Carolina
review, September, 2016
insurance was very reasonable, customer service was great as well. Everything was very easy and when calling the customer service they were very helpful
Auto/Home/Umbrella, August, 2016
I have been with Kemper Preferred for over a year and am very happy with the company. I love having my auto, home and umbrella on one policy! I previously had three different companies with my bills being due at all different times. I only have to deal with one payment per month with Kemper and they do EFT which is perfect. One of the things that sold me on their homeowners was their blanket amount on the property coverage which gives me the freedom to use the coverage as needed if I have a claim, rather than having a specific amount on the dwelling and a specific amount on contents. I feel confident that if I have a claim with Kemper, I will have the coverage that I need.
Best there is, June, 2016
I am very pleased with Kemper. I will not go anywhere else. Great service, price, and benefits! I highly recommend them.
Absolute TRASH of an Insurance Company, December, 2016
Like most people who are in the process of switching to a different insurance company, I chose Kemper because I didn't really have the time to answer a million questions and be on the phone all day with different agents. So, I chose a company that basically relieves all the stresses of doing that by finding you an insurance company with the cheapest rates. Kemper. Kemper is a nightmare. NIGHTMARE. First of all, God forbid you have to process a claim because they don't even contact you to let you know the outcome of the investigation. If you have full coverage, they are most likely going to claim you as fault so they can send you a big check just to continue to increase your insurance premium. If you look at the cost of your policy; they have all these hidden fees that no one seems to be able to honestly answer. Which, I guess it would be rather difficult to answer a question honestly if the company you work for delivers nothing but a bunch of lies. So, I finally decided to bite the bullet and switch to a local company. Now, I cancelled my insurance with Kemper about a week or so before the policy ended and they are trying to claim I still owe them money. If I wasn't such a light hearted person, I might find this to be an offensive notion to my intelligence. You don't have to work in the insurance business to know and understand the way things work. If you buy something at Wal-Mart, then return it, they don't offer you a portion of your refund based upon the amount of time you've had the product. Right? Right. So, if you pay for a month's worth of insurance and cancel a week or so prior to the policy ending, YOU as a consumer owe the insurance company NOTHING...NADA....ZILCH....and in actuality THE INSURANCE COMPANY owes YOU the consumer the prorated difference. Nice try Kemper. Now, try picking on someone on your own level which is obviously a level below COMMON SENSE. Fellow consumers...you have been warned...and you're welcome.
Best claim process I've had, September, 2016
The claim was quick fast and easy just like it should be. The check was sent to the shop I paid my deductible, picked up my car and it was done. Just the way it should be.
good, October, 2016
More About Kemper InsuranceVehicle
- Commercial Auto
- Personal Valuables
- Personal Catastrophe
- Identity Fraud
- 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
- Anti-lock brakes
- Anti-theft devices
- Automatic safety belts
- Driver training
- Kids away at college
- Multiple cars
- 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.