Kemper provides the basic coverage you need for your possessions and your dwelling, whether it's your
primary residence or a vacation home.
The policy covers the following:
Loss or damage to dwellings and the contents
Personal liability for injury
Damage to someone else's property
Living expenses when your home is damaged
Medical payments for others injured at your property
You also have the option of receiving coverage for your home's contents at their replacement value.
Safety discounts
You can usually benefit from discounts if you have the following:
Home-sprinkler systems
Fire and burglar alarms
Fire extinguishers
Smoke detectors
Dead-bolt locks
Owners of rental units
Kemper's Dwelling Fire policy is designed for people who own rental properties. It offers basic coverage for the dwelling and its contents, as well as limited liability coverage.
How do you know if you're underinsured?
Kemper studies indicate a growing consumer problem: inadequate insurance protection for personal possessions. As many as one third of consumers may be underinsured! At Kemper, that coverage is typically 50% of the replacement cost of your home.
To help you understand the risks, you can now take a simple self-test to determine an estimation of the replacement costs of your home's contents. Click here to take a quick self-test.
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