HOME COVERAGES
Homeowners Insurance Coverage Highlights
We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings.
Dwelling
Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.
Contents
Helps cover your personal property not attached to or built into your home, such as furniture and clothing.
Personal liability
If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.
Medical payments to others
May help pay for medical or funeral expenses of someone who is injured on your property.
Basic homeowners insurance coverages
Ordinance or law insurance
May help pay to rebuild your home to current building codes after a covered loss.
Other structures
Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.
Loss of use
Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.
Credit card coverage
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.
Replacement Cost Contents
Your home is more than just a dwelling; it's a safe haven for you, your family and your cherished possessions. Kemper understands that and offers extra protection for the things that are important to you.
Optional homeowner insurance coverages
Identity theft
Helps keep personal data secure amid a growing number of risks and cybercrimes.
Coverage for Valuables
Scheduled Personal Property, Blanket Valuable Items and Personal Electronic Equipment endorsements—protection for everything from collectibles to home theater systems
Replacement cost plus
And, when you add Replacement Cost Contents to your Homeowners policy, you automatically get higher limits for your personal property.
Water backup
Expands coverage if water backs up through your sewer or drains, or your sump pump overflows.
Earthquake
Provides additional coverage for earthquake damage. A separate deductible applies.
Flood insurance
This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.
