Terms Of Use
Welcome to Kemper Preferred
Kemper Preferred markets and sells automobile, homeowners and other personal lines property and casualty insurance and is part of Kemper Corporation, a Chicago-based financial services company with about $8 billion in total assets. We are proud to have a company within this business segment that was incorporated in 1926. Kemper Preferred’s personal lines business was acquired by Unitrin, now known as Kemper Corporation, in 2002.
Today, Kemper Preferred works with more than 2,700 independent insurance agents who provide customers with a choice of insurance companies, policies and insurance programs designed to meet their individual needs. All of Kemper Preferred’s underwriting companies are rated "A-" (Excellent) by A.M. Best, the leading insurance industry rating authority.
In this website, Kemper Preferred refers to one or more of the companies listed in the below section entitled, Underwriting Companies, with respect to that company’s operations when writing the business described in this website as Kemper Preferred
The particular company or companies that your agent or broker would represent and that would issue your policy depends on where you live and the coverage(s) you need. For further information, please talk to one of our agents or brokers.
Terms and Conditions
This document and information contained within the site itself provide the Terms and Conditions relating to your use of this site. Regardless of how you access this site, your use is expressly conditioned on your acceptance of the Terms and Conditions contained below and within the site itself. If you do not wish to be bound by the Terms and Conditions, please discontinue using and accessing this site immediately.
Kemper Preferred reserves the right to change the Terms and Conditions at any time without notice. You agree to be bound to any change to the Terms and Conditions when you access the site after any change is posted.
Purpose of Information on Website
The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. Only the actual insurance policy or contract can provide the actual terms, language, coverage amounts, conditions, and exclusions. For complete descriptions of the terms, conditions and exclusions of insurance coverage or other products or services, please contact us. All products and services referenced in this site are subject to certain qualification requirements, and may be changed at any time without notice. Products and services referenced in this site may not be available in all jurisdictions, nor in all underwriting companies.
External Links
Links to other Internet sites that are not maintained by us may be accessed through this web site for your convenience only. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of Kemper Preferred. We are not responsible for the content of those sites nor do we approve, endorse or certify information available at any external site or linked addresses contained herein. We make no warranties and hereby disclaim all liability as to the accuracy of the content and to any representations made concerning the quality of products or services provided on those sites. We are also not responsible for the privacy policies or practices of those sites. You should read the terms of use and privacy policies of those sites.
Intellectual Property Rights / Reproduction of Information Prohibited
The contents of this site are protected by applicable copyright or other intellectual property laws. The trademarks, service marks, slogans, logos, and other intellectual property are the property of Kemper Preferred or its affiliates, unless otherwise disclosed. You may print a copy of the information contained herein for your personal non-commercial use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website, without prior written permission of Kemper Corporation. All copyright and other proprietary notices must appear in all copies in the same manner as the original. In addition, any logo of such entity or service marks may not be used in advertising or publicity pertaining to distribution of this or any other material without specific, prior written permission of Kemper Corporation.
Updating of Information Disclaimer
The information presented on this website was believed to be accurate at the time it was published. While we periodically update the information on this website, the information is subject to change without notice, and we make no guarantee as to the timeliness or accuracy of any material presented on this site at the time accessed. We are not responsible and hereby disclaim liability for any errors, omissions or availability of this information. We reserve the right to add, remove and change information at any time without notice.
Security
Any information received about you through services inherent to all Internet communications, is for our own use so we can analyze the activity of our website and make improvements based on that activity. Please review the Company “Privacy Policy" regarding all other types of information we collect.
Be aware that all Internet email can potentially be viewed, copied or modified by unauthorized persons. We are not responsible for the security or confidentiality of any information sent using email.
Disclaimer of Warranties and Liability
The information contained on this site, including, without limitation, products and services is provided "as is" without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the disclaimer of implied warranties, so the above disclaimer may be limited by law.
In no event shall Kemper Preferred, its underwriting companies, affiliates, subsidiaries, or parent companies be liable for any special, indirect, incidental or consequential damages or any other damages whatsoever resulting from or accompanying your use of this site. These include, without limitation, loss of use, data, revenues or profits, regardless of the type of action asserted, whether based on contract, negligence or other tortious conduct, arising out of or in connection with the use of this site or performance of this information. In the event that certain states do not allow us to limit or disclaim liability for incidental or consequential damages, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed in contract, negligence or other tortious action, will be limited to the extent required by such law.
Jurisdiction and Severability
These “Terms and Conditions” shall be governed by and interpreted according to the laws of the state of Florida without respect to any conflict of law provisions. If any provision of these “Terms and Conditions” is held to be invalid or unenforceable, it will not affect the validity or enforceability of any other provision hereof.
Underwriting Companies
Below is a list of underwriting companies with their respective principal places of business and other information:
1 Kemper Independence Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 10914
State of Domicile: Illinois
CA COA: 07664
Unitrin Advantage Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 10881
State of Domicile: New York
1 Unitrin Auto and Home Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 16063
State of Domicile: New York
CA COA: 07738
Unitrin Safeguard Insurance Company
400 S. Executive Drive, Suite 200, Brookfield, Wisconsin 53005
NAIC #: 40703
State of Domicile: Wisconsin
Unitrin Preferred Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 25909
State of Domicile: New York
1 Trinity Universal Insurance Company
12790 Merit Drive, Suite 400, Dallas, Texas 75251
NAIC #: 19887
State of Domicile: Texas
CA COA: 3549
Trinity Universal Insurance Company also reinsures business underwritten by Home State County Mutual Insurance Company, an unaffiliated company and managed by Kemper General Agency, Inc.
1 Valley Insurance Company
12926 Gran Bay Parkway West, Jacksonville, Florida 32258
NAIC #: 14133
State of Domicile: California
CA COA: 5415
Valley Property & Casualty Insurance Company
4263 Commercial Street, Suite 400, Salem, Oregon 97302
NAIC #: 10698
State of Domicile: Oregon
1 These companies maintain a Certificate of Authority to transact insurance in California. The Certificate of Authority number for each of these companies is listed after "CA COA."