Kemper Personal Insurance

For Underwriting and service requests, please call WIAA at 800-553-4221. For Claims and Billing, please call Kemper Preferred at 866-675-3345.


Personal Lines Products:

  • Auto – Stand alone OK with underwriting approval (up to 72 hours). 100/300 minimum limits. 500/500/250 maximum.
  • Good drivers only; newly licensed dependent children with clean MVR ok on family accounts. Autos must be registered to named insured.
  • Auto – Drivers with 1 Not-At-Fault accident in past 3 years are ineligible
  • Auto – All drivers in household must be CA Good Drivers.
  • Auto – Standard common vehicles (i.e. not Bentley, Lamborghini, etc.). Cost under $100K new
  • Home – Monoline home ok. Loss free single family structures and duplexes only
  • Home – 5 years loss experience; over 1 loss is ineligible
  • Home – HO3 Protection class 1-8 max coverage A is $1 Million
  • Home – HO4 max coverage A is $200K
  • Home – HO4 min $35K in contents coverage ($42K in Blanket coverage)
  • Home – HO6 max coverage A is $300K
  • Dwelling Fire – Must write HO3 with Kemper. One- and two-family dwellings only. No more than 8 units per policyholder with a limit of 4 locations
  • Inland Marine – Appraisal required if item is $25K+ (jewelry, furs, fine arts & silverware)
  • Boat – Hull $75K max; Liability $500K max
  • Umbrella – available


  • 20% off Auto and 20% off HO3 with package
  • 15% off Auto and 17% off HO6 with package
  • 10% off Auto and 10% off HO4 with package
  • 15% off primary HO3 if insuring multiple homes


Why Sell Kemper Preferred
Click here for FSC rating tips and tricks
Click here for personal umbrella worksheet
Click here for helpful video explaining Kemper Preferred’s Blanket Property Limit
Kemper Package Plus with Youtube Links

Kemper Preferred Auto Underwriting Manual – including discounts
Kemper Preferred Home Underwriting Manual – including discounts
Kemper Preferred Auto and Home Appetite
Kemper Preferred HO3 Coverage Comparison Sheet
Kemper Preferred Umbrella
Kemper Preferred HO3 Policy Features
Kemper Preferred HO4 Policy Features
Kemper Preferred HO6 Policy Features




Posted in: Carrier Guides