Personal Catastrophe Liability Insurance

Live your life. We’ve got you covered. Think of our Personal Catastrophe Liability insurance as your own personal safety net.

When you choose this coverage, we provide you with higher limits of protection in the event of a covered accident on your property or damage to someone else’s property negligently caused by you or your family. 

For example, if, as a result of your negligence:

  • Your neighbor slips and falls on your driveway, seriously injuring himself
  • The kayak tied to the car roof becomes untied and hits another car, injuring its passengers
  • A visiting child is hurt while playing in your swimming pool

Accidents like these can result in serious financial hardship. When you add Personal Catastrophe Liability insurance on top of your Homeowners or Auto coverage, you, your spouse and any relatives living in your home are collectively protected for $1 million or more. 

You're covered anywhere in the world against:  

  • Auto liability
  • Personal liability
  • Fire damage liability
  • Watercraft liability (small boats)
  • Damage to property in your care
  • Homeowners, condominium owners or renters liability
  • Libel and slander
  • Defamation of character
  • Invasion of privacy

What else do I need to know?

Kemper Preferred can help you with your Personal Catastrophe Liability insurance needs. Talk to your Independent Agent today. If you don't have an agent, find one now


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. Other terms, conditions and exclusions may apply.

Find an Agency

For personal and commercial auto, home or valuables insurance, find an agency by entering a zip code or address below.

For non-standard auto insurance in California, click here.