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Modern Home Garage

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.


Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.


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.


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.

Other policies to consider


Auto insurance

Whether you own or lease, we have an auto policy that’s right for you.


Personal umbrella

An extra layer of liability protection against lawsuits and under-insured parties.


Pet Insurance

Nose to tail coverage is more affordable than you think.

Get Pet Insurance

Contact an Insurance Agent



Don't wait—speak directly with one of our experienced Insurance agents today.




Provide some details about yourself and get a custom car insurance quote online.

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