Kemper Specialty Insurance: Protecting Your Assets with Quality Coverage

As a driver or a property owner, you face different risks that could affect your financial stability. That’s why insurance is crucial to protect your assets from the unexpected. However, not all insurance companies are the same, and not all policies are created equal. That’s where Kemper Specialty Insurance comes in, offering customized coverage options for drivers, renters, homeowners, and small business owners across the United States. In this article, we’ll explore the history of Kemper Specialty Insurance, the types of coverage they offer, and what sets them apart from other insurance companies.

The Origins of Kemper Specialty Insurance

Kemper Specialty Insurance is part of Kemper Corporation, a Chicago-based holding company that offers a range of insurance and financial services. Kemper Corporation dates back to 1990, but its roots go back to the early 1900s when it started as a group of mutual insurance companies. Over the years, Kemper Corporation has grown through mergers and acquisitions, expanding its reach and diversifying its product lines.

Kemper Specialty Insurance was founded in 1997 as Unitrin Specialty Insurance Company, a subsidiary of Unitrin. In 2010, Unitrin was acquired by Kemper Corporation and became Kemper Specialty Insurance. Today, Kemper Specialty Insurance is a non-standard auto insurance provider, offering coverage to drivers who have difficulty obtaining insurance from traditional carriers due to their driving records, age, or vehicle type.

Kemper Specialty Insurance Coverage Options

Kemper Specialty Insurance offers a range of coverage options for drivers, homeowners, renters, and small business owners. Let’s take a closer look at each type of coverage.

Auto Insurance

If you have a less than perfect driving record, Kemper Specialty Insurance can still provide you with coverage. They offer liability, collision, and comprehensive coverage for drivers who have had accidents, violations, or license suspensions. In addition, Kemper Specialty Insurance also offers coverage for high-risk drivers, such as those who have filed for bankruptcy or have had their insurance cancelled in the past.

With Kemper Specialty Insurance, you can also customize your coverage to fit your needs. They offer optional coverage for roadside assistance, rental reimbursement, and gap insurance, among other things. Plus, you can qualify for discounts if you have multiple vehicles, a clean driving record, or complete a defensive driving course.

Homeowners Insurance

As a homeowner, you need to protect your property and belongings from potential damages caused by natural disasters, theft, or accidents. Kemper Specialty Insurance offers homeowners insurance that covers your dwelling, personal property, liability, and additional living expenses if you have to relocate temporarily due to a covered loss.

Kemper Specialty Insurance also offers optional coverage for valuable items such as jewelry, artwork, or antiques. You can also add endorsements to your policy to cover specific risks such as floods, earthquakes, or identity theft.

Renters Insurance

If you’re a renter, you may think that you don’t need insurance since you don’t own the property. However, renters insurance is essential to protect your personal belongings and liability. Kemper Specialty Insurance offers renters insurance that covers your personal property, liability, and additional living expenses if you have to move temporarily due to a covered loss.

Kemper Specialty Insurance also offers optional coverage for valuable items and endorsements to cover specific risks such as floods.

Small Business Insurance

If you’re a small business owner, you need to protect your business from potential liabilities and losses. Kemper Specialty Insurance offers business insurance that covers liability, property damage, and medical expenses for injured employees or customers. They also offer coverage for business interruption, equipment breakdown, and cyber liability, among other things.

Kemper Specialty Insurance will work with you to customize your coverage based on your specific needs and risks. Plus, they offer discounts if you bundle your business insurance with other policies.

What Sets Kemper Specialty Insurance Apart?

Now that we’ve gone over the types of coverage Kemper Specialty Insurance offers, let’s look at what makes them stand out from other insurance companies.

Catering to High-Risk Customers

Kemper Specialty Insurance specializes in providing coverage to high-risk customers who may have difficulty obtaining insurance from traditional carriers. They understand that a less than perfect driving record or credit history doesn’t necessarily make you a higher risk to insure, and they offer coverage options that fit your needs and budget.

Customized Coverage Options

With Kemper Specialty Insurance, you can customize your policy to fit your unique needs and risks. They offer a range of optional coverage and endorsements that allow you to tailor your coverage to your specific situation. Plus, they will work with you to find ways to save money on your premium while still providing the coverage you need.

24/7 Claims Service

Kemper Specialty Insurance understands that accidents and losses can happen at any time. That’s why they offer 24/7 claims service to ensure that you can get the help you need when you need it. You can file a claim online, by phone, or through their mobile app, and they will work with you to resolve your claim as quickly and efficiently as possible.

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Conclusion

Kemper Specialty Insurance is a reliable and reputable insurance provider that caters to customers who have difficulty obtaining coverage from traditional carriers. With their customized coverage options, 24/7 claims service, and commitment to high-risk customers, Kemper Specialty Insurance is a top choice for drivers, homeowners, renters, and small business owners across the United States. Contact Kemper Specialty Insurance today to get a quote and find the coverage that fits your needs.