Lots of companies are talking about bundling insurance policies—combining Auto and Homeowners—for a discount. We offer something even better. When you combine your Kemper standard and preferred Auto and Homeowners insurance policies into a Package Plus, you enjoy:
- One-bill convenience
- Additional coverage like Replacement Cost Contents
- A Package Plus discount on your Auto and Homeowners policies
- Increased Homeowners coverages
- Blanket Property Limit coverage
Here's how Blanket Property Limit coverage works:
Homeowners policies typically include four categories of property coverage:
Coverage A: Dwelling (primary structure)
Coverage B: Other structures (secondary structure, e.g., detached garage)
Coverage C: Personal property (contents)
Coverage D: Loss of use (alternate living arrangements)
There is a defined limit, or maximum amount we will pay, for each of these categories.
Typically, if you make a claim on your Homeowners policy, the maximum the insurance company will pay is the stated limit for each category. With Package Plus, we combine the limits of each line of coverage into a single “blanket” of coverage. This new, combined amount becomes the maximum amount we will pay for a loss in any of the four categories.
Example: You have a home with a detached garage on the same property. You bought an HO-3 policy with the following limits:
Coverage A: Dwelling, $500,000
Coverage B: Other structures (detached garage), $50,000
Coverage C: Personal property, $350,000
Coverage D: Loss of use, $100,000
This means that your Blanket Property Limit is $1,000,000, or an amount equal to the limits in all four categories ($500,000 + $50,000 + $350,000 + $100,000).
There’s a fire that destroys the detached garage; the covered damage is determined to be $75,000. Under a “traditional” Homeowners policy, you would receive $50,000 (the limit of Coverage B).
With Kemper’s Package Plus, we would cover the entire $75,000 of damage, subject to your deductible amount, since this would be well within your Blanket Limit of $1,000,000.
What else do I need to know?
- Find out more about our Home insurance
- Find out more about our Auto insurance
- Additional liability protection is available
Ask your Independent Agent about Package Plus. If you don't already have an agent, find one today.
Kemper Personal and Commercial Lines provides products and services for individuals, families and businesses who want protection for their homes, vehicles and other valuables and sells through an exclusive network of independent agencies.
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. Furthermore, the products and prices of our various Kemper business segments differ. Coverage is subject to individual policyholders meeting the applicable underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.