Offering homeowners insurance in 28 states, Kemper provides home insurance at three tiers of protection. Kemper homeowners insurance includes standard home coverages, including protection for your home and detached structures, personal property, liability coverage in case you damage someone else’s property or you’re liable for someone’s injury, additional living expenses if you’re temporarily displaced from your home due to a covered loss.
Kemper’s coverage tiers include the following:
Kemper Prime Home Essentials
This package provides essential coverage for your home and possessions. You can always broaden your coverage by adding endorsements, including personal property replacement cost, water backup, equipment breakdown, and more.
Kemper Prime Home Enhanced
This package includes all of the coverages from the Home Essentials level with some higher limits. It automatically includes coverages such as water backup, personal property replacement cost, and identity fraud expense.
Kemper Prime Home Elite
The highest tier offers the broadest and deepest coverage and features all the insurance benefits of the Home Enhanced product along with higher limits in some coverage categories.