Kemper Blog http://usgobtwps81.unitrininc.com:10039/wps/myportal/KemperDirect/Home/InformationCenter/blog/ Kemper Blog <![CDATA[Your Step-By-Step Guide to Navigate Home Burglary Aftermath]]> http://www.kemper.com/wps/myportal/KemperDirect/rssFeedBlog?current=true&urile=wcm%3apath%3a/kemper/informationcenter/blog/blog+posts/blog+post++092016&WCM_GLOBAL_CONTEXT=/kemper/informationcenter/blog/blog+posts/blog+post++092016 Your home is a place where you feel safe and secure. However, it’s also where you keep your valuables. From jewelry to artwork to electronics, you likely have a few items that burglars would love to get their hands on.

 

Many of us have security systems and locks in place, yet, despite all our precautions, sometimes even the most secured homes are burglarized. Coming home to discover that your home has been burglarized comes with a whirlwind of emotions. However, it’s important to stay calm and take action. Kemper offers these tips to help guide you through the home burglary aftermath:

 

Contact the authorities. The first thing to do when you discover that you’ve been burglarized is to leave the house for your safety, and then contact the police. The sooner you call the better. That way, the chances of the authorities catching your burglar increase.

 

Don’t touch. Fingerprints are delicate and smudges can hamper the investigation. Resist the urge to touch anything until the police arrive.

 

Determine the damage. Once your nerves have settled, make a record of any items that were damaged in the robbery. Take stock of your windows and doors, and check to see if anything has been damaged. Take lots of pictures from a variety of angles so that you have good documentation. Also, don’t forget to obtain a copy of your police report. You may need it later when you file a claim with your insurance company.

 

Contact Kemper. If you are a Kemper homeowners policyholder, when the police finish their report, file a claim with us at 866.536.7376 or via our website at kemper.com. Be prepared to tell our Claims Representative what happened, how it happened, and what has been stolen or damaged.

 

Install/upgrade your security system. Once the dust settles and you get back into your usual routine, audit your home’s security measures. Find the weakest points and make upgrades so that you’re better able to protect your home.

 

Keeping your home safe with a good security system is important. So, too, is having the right homeowners insurance. Ask your Independent Agent today about insuring your home with Kemper.

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<![CDATA[Know What to Do When Lightning Strikes]]> http://www.kemper.com/wps/myportal/KemperDirect/rssFeedBlog?current=true&urile=wcm%3apath%3a/kemper/informationcenter/blog/blog+posts/blog+post++091316&WCM_GLOBAL_CONTEXT=/kemper/informationcenter/blog/blog+posts/blog+post++091316 From summer rains to winter blizzards, wet weather can bring its fair share of damage. Power outages and property damage aren’t uncommon, especially during electrical storms. Be prepared for bad weather year round with these useful tips:

 

Protect your electronics. With ever-advancing technology, you’re likely to have a few electronics lying around the house. From televisions to laptops to gaming systems, you’ve put a substantial financial investment into your digital possessions. However, an electrical storm can put your electronics in jeopardy. Protect them from cable line surges caused by lightning strikes by investing in surge protectors and unplugging when a storm is imminent.

 

Stock up on supplies. Storms, especially electrical ones, can leave you without power for days. It’s a good idea to have extra essentials on hand so that you’re prepared. Keep bottled water and non-perishable food for each family member (including your pets) for at least three days. Additionally, pack a bag containing a flashlight, radio, extra batteries, first aid kit, emergency contact information, extra copies of important documents, extra blankets, and anything else you think you may need. That way, you’ll have what you need if the power should go out.

 

Take precautionary measures. Proper home maintenance can help reduce storm damage to your home. Clean out your gutters regularly, and ensure they’re securely fastened to your home. Trim the trees around your home to reduce your risk of a toppled tree. If you live in an area especially prone to thunderstorms, consider investing in a lightning-protection system so you’re better able to predict where lightning will strike.

 

You can minimize property damage during a storm by taking some precautions. Ensure, too, that you have the right homeowners insurance, so you’re ready for anything that comes your way. Contact your Independent Agent for help in finding the best insurance for your needs.  

 

All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. 

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<![CDATA[Do You Know What Your Auto Insurance Covers?]]> http://www.kemper.com/wps/myportal/KemperDirect/rssFeedBlog?current=true&urile=wcm%3apath%3a/kemper/informationcenter/blog/blog+posts/blog+post++091216&WCM_GLOBAL_CONTEXT=/kemper/informationcenter/blog/blog+posts/blog+post++091216 With so many different types of coverages, choosing the right auto insurance policy can be a dizzying task. But it begins with understanding your options:

 

Liability coverage. Not only is liability insurance required by law, but it helps protect you from costly damages and lawsuits. It helps cover any bodily injury or property damage that affects the other parties involved in an accident. But, don’t settle for the bare minimum–upgrade your coverage so you can get the protection that you need. Keep in mind that your liability insurance only covers damages for the other parties involved. You need additional coverage to protect your car from damage.

 

Protecting your car. When it comes to your auto insurance, you need different coverages. While liability insurance will cover damages to the other cars involved, if you are found liable for the accident, you’re left repairing your car out of pocket. You can get the insurance you need with either collision or comprehensive coverage:

  • Collision coverage—protects you while you’re on the road if your car is damaged by another vehicle or object

 

  • Comprehensive coverage—provides protection from theft, animal strike, falling objects and others as defined in your policy

 

Coverage extras. In addition to liability, collision and comprehensive coverages, there are optional types of insurance that you can add to your policy:

  • Medical payment coverage—this helps with medical costs should you or your passengers be injured in a covered accident

 

  • Underinsured and Uninsured Motorist Coverage. While you may follow the rules of the road, there may be other drivers around you who might not be quite as careful. And if you’re hit by a driver who doesn’t have all the necessary coverage, you may need to pay out of pocket for your repairs and medical expenses. Fortunately, uninsured/underinsured motorist coverage can protect you against this scenario

 

Choose the right auto insurance coverage with confidence. Your Independent Agent can help.

 

All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. 

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<![CDATA[Maneuver Your Way Around Distracted Driving]]> http://www.kemper.com/wps/myportal/KemperDirect/rssFeedBlog?current=true&urile=wcm%3apath%3a/kemper/informationcenter/blog/blog+posts/maneuver+your+way+around+distracted+driving&WCM_GLOBAL_CONTEXT=/kemper/informationcenter/blog/blog+posts/maneuver+your+way+around+distracted+driving Smart phones may be great for sending prompt email replies and answering important calls, but they’re not so smart for use while driving.

 

Distractions such as dialing and texting can significantly increase the risk of a crash. Even changing your radio station or applying makeup can shift your focus from the road. 

 

Distracted driving can take many different forms:

  • Taking your eyes off the road: From glancing at billboards to gazing at the landscape, when you divert your eyes from the road, you can miss what is happening in front of you—such as a driver braking unexpectedly

 

  • Taking your mind off driving: If you are listening to passengers, your reaction time may slow down

 

  • Taking your hands off the wheel: Eating, drinking, using a phone or navigation system all require you to take your hand off the wheel, and divert your attention

 

Here are some common-sense suggestions to reduce driving distractions:

 

  • Get disconnected. Place your phone out of reach or turn it off. Out of sight, out of mind, right? Any text or call isn’t important enough to risk a crash
  • Get organized: If you need to set up your navigation system or apply makeup, do it before starting your car and not as you’re driving
  • Get focused. Many of us could use a little peace and quiet in our lives. Make your driving time a time to relax

 

One more tip: protect yourself with a quality auto insurance policy, so that if you do have an accident, you will have coverage. Contact your Independent Agent to find out what Kemper products would work best for you.

 

All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. 

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<![CDATA[It’s Peak Hurricane Season—Are You Ready?]]> http://www.kemper.com/wps/myportal/KemperDirect/rssFeedBlog?current=true&urile=wcm%3apath%3a/kemper/informationcenter/blog/blog+posts/blog+post++090816&WCM_GLOBAL_CONTEXT=/kemper/informationcenter/blog/blog+posts/blog+post++090816 While the Atlantic hurricane season officially runs through Nov. 30, the peak is generally thought to be mid-August to late October. Now is a great time to refresh our understanding of the terms hurricane “watch” and hurricane “warning.” Knowing the difference can ensure you have ample time to prepare your home and family.

 

What is a hurricane watch?
A watch is when the atmospheric conditions (winds of 74 mph or higher) are favorable for the development of a hurricane, and one is possible within the specified area. The hurricane watch is typically issued 48 hours before the anticipated onset of force winds. In essence, this is a “get ready” call, to give people time to prepare for a storm.

 

This would be a good opportunity to check your emergency supplies. For example, you will want to ensure you have sufficient food, water—as well as money—on hand. After a storm, many ATMs will be down, and you don’t want to be caught short if you need to buy additional supplies.

 

Also, bring any lose items in your yard indoors, such as patio furniture, and secure windows and doors.

 

What is a hurricane warning?
A warning indicates that hurricane conditions are expected somewhere in a specific area within the next 36 hours. A warning is an increased state of alert, as it indicates the forecasters are more certain of the hurricane’s arrival.

 

When your area is issued a hurricane watch, it’s time to batten down the hatches. Double-check your supplies and seal up the house. Stay tuned to local television and radio to monitor the storm. Review your plan for evacuation (if it comes to that), and keep your family and pets safely indoors.

 

With the protection of homeowners insurance, you can focus on keeping your loved ones safe. Don’t wait until it’s too late—contact your Independent Agent today to make sure you’ve got the right coverage to weather the storm.

 

Source: National Oceanic and Atmospheric Administration

 

All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. 

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<![CDATA[Child Heading to College? Don’t Forget the Insurance]]> http://www.kemper.com/wps/myportal/KemperDirect/rssFeedBlog?current=true&urile=wcm%3apath%3a/kemper/informationcenter/blog/blog+posts/blog+post++090716&WCM_GLOBAL_CONTEXT=/kemper/informationcenter/blog/blog+posts/blog+post++090716 Here’s a way you can protect your college students even when they’re not in the house—by ensuring they have all the insurance they need.

 

Personal property

College students today arrive on campus with more than their clothes, notebooks and pencils. They may be bringing laptops, flat screen TVs, smartphones, tablets and other high-value possessions. While an apartment or dorm fire, or theft may be the last thing on your child’s mind, it might be on yours.

 

Unpack your kid’s possessions with the peace of mind that should something happen to his or her belongings, insurance can step in to cover repair and replacement costs. Start by contacting your Independent Agent to find out how much coverage your homeowners insurance policy will provide for your child’s property if he or she will be living in a dorm. For off-campus housing, you may need to purchase a separate renter’s insurance policy.

 

Some suggestions:

  • Take inventory. Before you take your child to school, take an inventory of what items are going along too, as well as their worth. This will make filing a claim for lost or damaged items that much easier

 

  • Update your policy. Your child may be planning to take expensive jewelry, sports equipment or musical instruments to school. Contact your Independent Agent to find out if you will need additional coverage to protect them adequately

 

Steering to safety

If your student was driving the family car and will now be away at college, let your Independent Agent or insurance company know, as you may be eligible for a discount on your auto insurance. Even if your child takes the car to school, you’ll need to let your insurer know, as the car is now in a different location. You may also need to update your coverage.

 

Contact your agent today to ensure your student is well covered while becoming well educated.

 

All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. 

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