Kemper Blog Kemper Blog <![CDATA[Six Ways to Save on Insurance]]> If you’re like most consumers, you appreciate a good deal. And your insurance is no exception. Here are some tips to ensure you get the best value on your auto insurance:


1.      Consider a company that is financially stable with a favorable credit rating.


2.      Before you buy a car, compare insurance costs. Insurance premiums are influenced by a vehicle’s price, maintenance cost, safety record and history of theft.


3.      Consider a higher deductible. How much are you willing to pay before your insurance kicks in? The more you are willing pay due to an incident, the lower your premium. 


4.      Removing collision and/or comprehensive coverage on older or low value vehicles may also be an option to explore.


5.      Buy your homeowners and auto coverage from the same insurer. “Packaging” or “Bundling” insurance this way will bring you a discount from Kemper.


6.      Install anti-theft devices. Protecting your car with an anti-theft device may reduce your insurance costs.

Ask your Independent Insurance about Kemper’s auto insurance and ways you can save.


Source:  Insurance Information Institute

<![CDATA[Homeowner’s Cold Weather Survival Guide]]>

Winter can provide outdoor activities for the family or a reason to stay inside and spend time together. Whether you’re planning a trip to the mountains and purchasing gear or finding games to play, it requires some degree of preparation.

The same approach should be used when it comes to protecting your home; freezing temperatures can wreak havoc on your property. Here are some tips to get you started:

·         Don’t turn the heat off! A minimum temperature of 65 degrees should be maintained to prevent pipes in your walls from freezing.


·         Where is your main water shutoff? Make sure you know where it is and how it works.


·         Let the faucets drip. The best way to prevent the pipes from freezing is to keep the water moving. Turn on your faucet just enough for water to drip slowly.


·         Keep the pool pumping. If you run the pump at night, it will keep the pipes from freezing.


·         Make sure space heaters and fireplaces are working. Also, check their surroundings; there should not be any combustible items near them.


·         Keep your gutters clean to help prevent ice dams from forming. Having clean gutters will give melting snow a place to go. Click here to learn more about ice dams.


·         Remove dead or damaged trees. Ice, snow or wind can break branches or trees and damage your property.

You might also review your homeowners insurance with your Independent Agent to ensure you have enough coverage. If you’re not insured with Kemper, ask your agent about what our policy could do for you.

Source:  Insurance Information Institute

<![CDATA[Insurance Impact of a New Job]]>

If you are changing jobs, it can have an immediate impact on your lifestyle such as an improved commute time and bring higher income. It can also impact your insurance. Here’s why:


Let your insurance company know if there’s a change in number of miles you drive. You may be able to save money on a shorter commute or by taking public transportation. However, if driving is part of your job, research your employer’s liability coverage. Business rentals should be included with your auto coverage as well.  It is best to know if liability coverage applies to personal insurance or employer’s commercial coverage.


Working from home also has its benefits too. However, standard homeowners insurance does not cover commercial business responsibilities. This may include self-employment on being a remote employee of a company. If this is the case, professional liability coverage could be an option. A business owner’s policy is necessary if clients and vendors are coming to your home.

Health-related Coverages

Participating in a group life insurance through your former employer can change depending on who (you or the company) purchased it. Disability insurance can pay more than half of your income. Finally, long term care can provide nursing home coverage, but only some will allow in-home care.

Be sure to thoroughly investigate the benefits when you change employers. Your preparation should insure a smoother transition.


Source:  Insurance Information Institute

<![CDATA[Preventing Ice Dams]]>

Are you a new homeowner experiencing your first real winter, or recently moved to a snow-prone region? If you are either, you’ll want to know about ice dams and how they can be prevented.


For instance, the combination of freezing temperatures and heavy snowfall can eventually lead to ice dams. But before you go outside and tackle the issue, it helps to know what causes them. First, it begins with a duct system that leaks heat while distributing air throughout your home. If you have noticed rooms that are difficult to heat or never feel comfortable, the ducts in your attic and crawlspaces could be the source.

This leaked air warms the underside of your roof causing the ice and snow to melt. As the melted water drains to the overhang, it refreezes, forms dams and eventually icicles. The damage it creates could be water spots under your roof or worse.

Do not attempt to fix the problem by going on the roof or chipping at the ice from the ground. You could exacerbate the damage or injure yourself. Instead, focus on the source of problem by sealing your ducts to improve the comfort, indoor air quality, safety and savings for your home.


<![CDATA[Have a Safe Holiday Season]]>

Have a Safe Holiday Season

The holiday season can be a joyous occasion to bring friends and family together. As you prepare your home for guests to enjoy food and fun, be aware of the increase in potential hazards.

Statistically Speaking

Home fires caused from cooking are most likely to happen on Thanksgiving, Christmas Day and Christmas Eve. Out of all reported home fires, 48 percent were from cooking equipment. Lighting equipment was the cause of 35 percent of home fires with Christmas trees. Additional causes of fire were started by decorations in kitchen, living room, family room or den.

There are plenty of opportunities to distract you from keeping everyone safe. To safeguard against these hazards, try incorporating these tips to insure a safe holiday season:

Holiday cooking:

·         Be attentive to food cooking on the stovetop or oven. Make sure you are in position to can keep an eye on it.

·         If you are frying a turkey, watch this video on the potential danger involved.

·         For meals that require extended cooking times, such as roasting a turkey, put timers in different rooms just in case you step away or need to hear it over loud music and conversation.

·         Keep people away from steam or splashes from hot liquids that could cause serious burns.

·         If kids want to help around the kitchen, refer to this guide to assign age-appropriate tasks to them safe.

Holiday decorations and equipment:

·         Test your smoke alarms to confirm they work.

·         Designate an area for kids play (with toys) to help reduce clutter near food serving areas.

·         For lighting, make sure your lights have been qualified by a testing laboratory. Some are intended for indoor or outdoor.

Accidents can happen at any time, so to take a moment review your homeowners’ policy has the right protection for this holiday season.


Source:  National Fire Protection Association

<![CDATA[Water In or Water Out?]]> Whether the water that causes damage to your home comes from outside or inside makes a big difference when it comes to your insurance coverage. If it comes from surface water outside, such as a weather event that causes flooding, it’s not covered by a typical homeowners policy. You’d need a flood policy for that.

But if the water is from within your home, caused by a burst washing-machine hose or over-flowing toilet, for example—that may be covered by your policy.

Homeowners policies

Like other insurers, Kemper’s policy can provide coverage for damage from leaks caused by your homes’ hoses, pipes and water systems.

Coverage for damage caused by water that backs up through sewers or drains is also available at various levels.  It comes standard with some Kemper policies, or you can purchase this coverage separately for others.

Flood insurance

Flood policies are an important investment to protect your home against damage from storms and dam breaks. What you should know:

If you are in a flood zone, flood insurance may be required. Visit the Federal Emergency Management Agency (FEMA),, for more information.

  • But floods can happen to anyone. Hurricanes, broken dams and snow melt can all cause floods—anywhere. More than 20 percent of flood claims are filed by homeowners outside flood zones.


  • Flood policies are offered by the National Flood Insurance Program, which is part of FEMA. There are two types of coverage: one that protects your home and the other that protects what’s in it. Or you can get one policy that includes both.


  • There’s typically a 30-day waiting period between when you purchase flood insurance and when it goes into effect.

For more on flood policies or what your Kemper Home policy covers, contact your Independent Agent.


Sources: Consumer Reports, August 2017,

This material is for general informational purposes only. 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.


<![CDATA[Keeping Home Burglars at Bay]]> Consider this: a burglary takes place every 20 seconds in the United States. That’s a lot of break-ins. And a lot of property going out the door.

Fortunately, there are some things homeowners can do to make sure they’re not part of this statistic:

Check around your home

  • Trim trees and shrubs near your doors and windows, so you leave no place for burglars to hide.
  • Decorate the perimeter with thorny plants such as holly or roses.
  • If possible, avoid installing a tall privacy fence, which can provide concealment.

Look at your home from the street

  • If you can see the expensive paintings, silverware and brand new TV, you may attract thieves without even realizing it. Consider rearranging your furnishings so your home is less appealing to criminals.
  • Display yard signs and window decals that indicate your home is protected by a security system.

Lock the windows

  • You may remember to lock the doors every night, but what about the windows? For those at street level, consider installing metal accordion gates.
  • Another option is glass-break sensors that set off an alarm when a window or glass door is broken. Some sensors also detect shock waves if someone is trying to kick open the door.

Don’t hide your keys

  • Forget putting the keys under the front doormat. Instead, leave them with a trusted friend, family member or neighbor for emergencies.

Make your home looked lived in

When leaving town, stage your home as if someone is still inside by leaving blinds open in their usual position, putting lights on a timer to turn on in the evenings and suspend newspaper deliveries. Also, ask a dependable neighbor to keep a close eye on the house.

Get a good system

It’s important that you invest in a reliable security system with a central reporting feature. You might even qualify for a discount on your insurance.

Speaking of insurance, here’s one last addition to your protection to-do list: contacting your Independent Agent about a Kemper homeowner’s policy. It will bring you invaluable peace of mind that if the thief does find a way into your home and out with your stuff, you’ll have help in getting it replaced and your life back to normal.


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.

Sources:; FBI’s Uniform Crime Reporting website,

<![CDATA[Guide to Buying a New Car]]> Buying a car is no small process. So doing it right is important to prevent problems down the road. Following are suggested steps to help ensure you’re happy with your important new purchase:

  1. Consider what car is right for you. You might really want that snazzy sports car, but will it work for how you’re going to use it? And will the cost impact your quality of life in other ways?
  2. Understand car pricing. For example, know the differences among these types of pricing: 
    • Sticker price – manufacturer’s suggested retail price
    • Invoice price – what the dealer paid the manufacturer for the car
    • True market value – what the car is worth in today’s market
  1.  Take it out for a spin. Before you commit to a purchase, test drive the car. You may find out the car you wanted is not the car that’s most comfortable for you. You might also consider renting the car you’re thinking of buying to test it out during your day-to-day driving.
  2. Where will you buy? You can buy a car through private sources, such as friends or family. Or, you can shop through a franchised and independent dealer, leasing company, car superstore, or online service such as TrueCar.
  3. How are you going to pay? There are down payments, monthly fees and interest rates, if you’re going to finance the car. You’ll want to know all the costs so there are no surprises.


You’ll also want to make sure you have the right auto insurance to protect your new investment. If you’re looking for a new policy, contact your Independent Agent to ask about what Kemper offers. We have many ways you can customize your coverage to meet your needs and fit your budget.

If you’re already a Kemper Auto policyholder, you’ll want to let your agent know about your purchase so he or she can be sure to add it to your policy.


Source: California Department of Motor Vehicles

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.

<![CDATA[Keep Your Cool and Save Energy Too]]> Staying comfortable when the temperatures rises can take a toll on your wallet. But the following tips can save your energy and keep you cool too:

Inside, outside, keep it the same. The closer your indoor temperature is to what’s outside, the less energy you’ll use. Keep your thermostat at about 78 degrees and supplement with fans if you prefer it cooler inside your home.

Be cool with air conditioner maintenance. Regular maintenance is essential to keep your system running efficiently. This maintenance includes inspecting the air conditioner (A/C) and air ducts, as well as periodically cleaning the A/C filter.  

Reduce your use of appliances. Running stoves and ovens will increase the temperature in your home, so on warm days, use them sparingly or wait until the evening, when it’s cooler. You could also maximize appliance usage by waiting until you have a full load of laundry or dishes.

Seal it tight. Weather-strip or caulk your windows and doors to better control your home’s temperature and cut down on energy consumption. Keeping your home’s insulation in good condition will also help.


<![CDATA[Your Guide to Updating Your Insurance Policy]]> As your life changes, so should your insurance. It’s a good practice to review your policies at least once a year to ensure you’re getting the right coverage. Here are a few tips to help you evaluate your needs:

Know what you have. Read your current policy carefully to understand your coverage. Insurance language can sometimes be confusing. If you’re unclear about aspects of your policy, contact your Independent Agent. Your agent is specially trained and experienced in the insurance field and is available to help you.

Any big changes? If you’ve gotten married, you may want to consider life insurance. If you’ve remodeled your home, put in a pool or built an addition, you may want to increase your homeowners insurance. If you’ve inherited expensive antiques, art or jewelry, you might consider valuables coverage.

Finding the savings. Some changes over the past year may save you money. For example, if you put in a central reporting fire or burglar alarm. Or your teen driver got terrific grades in school. Ask your agent if you qualify for these or other discounts.