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Home Manual

Home Underwriting Manual
Essentials, Enhanced, Elite

Essentials

Included, Optional Coverage, Discounts

Included


Dwelling Coverage

  • Covers the part of the structure you own.

Exclusions

  • Freezing.
  • Theft of building materials.
  • Wear and Tear.
  • Earth Movement.
  • Flood.
  • Nuclear.
  • War.

Other Structures

  • Covers structures not attached to the main dwelling.

Personal Property

  • Cover unscheduled personal property within the dwelling.
  • Property at other residences covered at 10% of limit or $1,000 which ever is greater.

Perils Insured Against:

  • Fire or Lighting
  • Windstorm or hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Falling Objects
  • Weight of Ice, snow or sleet
  • Accidental Discharge or Overflow of Water or Steam. Damaged appliance or pipe will not be replaced.
  • Sudden and accidental tearing apart Cracking, Burning or Bulging
  • Freezing
  • Sudden and Accidental Damage from Artificially Generated Electrical Current.
  • Volcanic Eruption.

Exclusions:

  • Animals, Birds, or Fish.
  • Motor Vehicles. (Except golf carts and go carts)
  • Aircraft and Hovercraft.
  • Property of renter’s.
  • Business data
  • Credit cards.
  • Wear and Tear.
  • Earth Movement.
  • Flood.
  • Nuclear.
  • War.

Special Limits

  • Money: $200
  • Securities: $1,500
  • Watercraft: $1,500
  • Theft of jewelry, watches and furs: $2,500
  • Theft of firearms: $2,500
  • Theft of silverware: $2,500
  • Business Personal Property: $2,500
  • Property away from premises: $1,500
  • Portable electronic equipment: $1,500

Personal Liability

  • Covers the insured for bodily injury and property damage they are legally liable to pay.
  • Will pay for claim expenses, first aid expenses, damage to property of others.
  • Limit up to $500,000.

Medical Payments

  • Covers the insured for medical payments they are legally liable to pay.
  • Limit up to $5,000.

Additional Coverage

  • Debris removal: Up to $500 for tree removal.

Other Highlights

  • Access to EKemper.

Optional Coverage

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Additional Insured
  • Can add a joint owner to the residence.
Additional Residence Rented to Others
  • Extends coverage to additional residences rented to others.
Assisted Living Care Coverage

View Endorsement

  • Extends coverage to named insureds and resident relative who are member of the household prior to moving to an assisted living care facility.
  • $10,000 for personal property
  • $6,000 / $500 per month for additional living expenses
  • $100,000 for personal liability
Blanket Valuable Items

View Endorsement

  • Covers items at a blanket value. Direct physical loss. $1,000 minimum per item.
  • No deductible applies.
  • Limit of $10,000 and an aggregate limit of $50,000 for: Jewelry, Furs, Fine Arts, Silverware.
  • Limit of $5,000 and an aggregate limit of $25,000 for: Golfer’s Equipment, Cameras, Guns, Musical Instruments, Fragile Articles (includes breakage coverage)
Business Personal Property- Increase limits
  • Up to $10,000 in increments of $2,500.
  • Does no apply to property in storage or held as samples or for sale or for delivery after sale. Pertaining to a business actually conducted on the residence premises.
Business Pursuits
  • Provides coverage for the liability of the insured arising out of business activities.
  • Excluded if: Insured owns the business. Involved in: Architectural, engineering or industrial services. Medical, surgical, dental or other services or treatment conducive to the health of persons or animals and beauty or barber services or treatment. Draft or saddle animals or vehicles for use therewith; Aircraft; Hovercraft; Motor vehicles; or Watercraft.
Credit Card, Electronic Fund Card or Access Device, Forgery and Counterfeit Money
  • The policy may be endorsed to increase the $500 limit of liability for Credit Card, Electronic Fund Card or Access Device, Forgery and Counterfeit Money to $2,500, $5,000, $7,500 or $10,000.
Limited Earthquake Coverage

View Endorsement

  • Covers for peril of Earthquake.
  • $5,000 Coverage A and C. $1,500 Coverage D.
  • Deductible is $750
Eco-Upgrade
  • Additional coverage for eco-friendly or energy efficient appliances or building materials
  • Increased coverage to pay for costs of recycling debris
  • Aggregate limit of 5% of the amount of covered loss up to a maximum of $25,000
  • Up to $250 to upgrade any one Energy Star Qualified Household Appliance
Equipment Breakdown Coverage

View Endorsement

  • The policy may be endorsed to provide up to $100,000 coverage for sudden and accidental direct physical loss to covered property located on the residence premises caused by mechanical or electronic breakdown, subject to a $500 deductible. The endorsement also provides coverage for repair or replacement with Energy Star qualified products, expediting expenses, spoilage and cleanup and removal of pollutants or contaminants resulting from a covered loss.  The wear and tear exclusion of the policy applies to this coverage.
Incidental Farming Personal Liability On the Residence Premises

  • The policy may be endorsed to provide coverage for the liability of the insured when farming activities are conducted on the residence premises, are incidental to the use of the premises as a dwelling, and the income derived from the farming operations is not the insured’s primary source of income.  However, coverage is not available if the residence premises is used for racing purposes. The policy may also be endorsed to provide coverage when the residence premises is used for the sheltering and grazing of animals.  However, coverage is not available if the residence premises is used for racing purposes.

Away From the Residence Premises

  • The policy may be endorsed to provide coverage for the liability of the insured when incidental farming activities are conducted at the locations away from the residence premises specified in the endorsement and the income derived from the farming operations is not the insured’s primary source of income.  However, coverage is not available if the locations specified in the endorsement are used for racing purposes.
ID Fraud Expense Coverage

View Endorsement

  • Provides up to $15,000 coverage for expenses incurred as a result of the identity fraud of an insured discovered or first learned of during the policy period, subject to a $500 deductible.
Limited Water Back-Up and Sump Discharge or Overflow Coverage
  • Covers the back up of sewers and drains. Up to $50,000.
Motorized Golf Cart- Physical Loss

View Endorsement

  • Covers golf carts used on the premises.
  • Collision is optional.
  • $500 deductible applies.
Other Insured Location Occupied by Insured
  • Extends liability to other locations occupied by the insured.
Other Members of a Named Insured’s household
  • Extends coverage to other members in the household not directly related to the insured.
Permitted Incidental Occupancies
  • Extends coverage to incidental occupancies.
  • Includes offices, schools, or Studios meaning offices for business or professional purposes, and private schools or studios, dance, photography and other instructional purposes.
Personal Property – Self-storage Facilities
  • Coverage for personal property located in self-storage facilities is limited to 10% of Coverage C or $1,000, whichever is greater.  The policy may be endorsed to increase this limit up to a maximum of $50,000.
Residence Employees
  • Provides coverage for residence employees. There is no charge for employees working less than half of the customary full time or to whom workers’ compensation exclusion applies as stated in Section II of the policy.  There is no charge for up to two residence employees otherwise employed.
Residence Held in Trust
  • Provides coverage for a trustee.
Scheduled Personal Property
  • Covers the following classes of property on a scheduled basis: Camera, Coins and Currency, Fine Arts, Furs, Guns, Golfer’s Equipment, Jewelry, Musical Instruments, Personal Electronic Equipment, Silverware, and Stamps. For articles being transported between the primary location and secondary locations, the highest applicable protection class shall apply when determining premium. The minimum coverage amount per class is $1,000.
  • Agreed Value: For no additional charge, the claim settlement procedure for total loss to an article is amended to allow for agreed value settlement in lieu of actual cash value settlement for all classes listed above except personal electronic equipment.
  • Fine Arts – Special Breakage Coverage: The policy may be endorsed to provide breakage coverage for fragile articles on an all risk of physical loss basis.  In such event, the portion of Fine Arts with breakage coverage and the portion of Fine Arts without breakage coverage shall be rated separately, with the value of covered property and the premium charges stated separately on the schedule.  Premium for breakage coverage shall be in addition to the premium for the basic Fine Arts coverage.
  • JewelryBroad Pair & Set: The policy may be endorsed to revise the claim settlement procedure for total loss to one or more articles within a set to provide for payment of the full amount of the set as shown in the schedule in exchange for surrender to the Company of the remaining article or articles of that set.
Special Personal Property Coverage

View Endorsement

  • Increases the covered perils for personal property.
Student Living Away From the Residence Premises
  • Covers a student away from home.
  • Must be under the age of 24 and a relative of the named insured.
Supplemental Loss Assessment
  • Can be added up to $50,000.
Unit Owners Coverage A Special Coverage
  • Broadens coverage A to cover additional perils.
Unit Owners Rental to Others
  • Covers the personal property and liability if the unit is rented to others.
Personal Property Replacement Cost Loss Settlement

View Endorsement

  • Changes the replacement cost loss settlement for personal property to replacement cost.

Discounts

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Advanced Quote
  • The earlier the quote from the effective date, the larger the discount that is applied.
Affinity Group
  • Applies to current Kemper employees and Active/Retired military members.
Home Buyer
  • Must have purchased home in the last 12 months.
Home Safety
  • Must have the following loss prevention measures or green features:

Energy Star/ EPA Certified Home

·       An Energy Star / EPA Certified Home is a dwelling that has been independently verified to meet guidelines for energy efficiency set by the United States Environmental Protection agency.  The dwelling has earned Energy Star / EPA certification.

Fortified Home

·       A Fortified Home is a dwelling that is constructed with added protection to resist natural disasters and extreme weather events such as high wind, wildfire, flood, hail, and earthquake.  The home is constructed with added protection to windows and doors, improved connections between the roof, walls and foundation, and a roof design that is thicker, stronger, and designed to stay drier.

LEED Certified Home

·       A LEED Certified Home is a dwelling that has been independently verified to meet guidelines for design and construction of high-performance green homes.

Whole House Waster Leak Protection

·       A whole house water leak detection system shuts off the main water service when a water leak is detected.  An automatic shut-off valve is installed on the main water service piping between the water meter and the first branch piping.

Automatic Gas Shutoff Valve

·       Automatic shut-off valves are professionally installed on all gas or propane lines into the home.  The discount also applies to all-electric / all-solar homes with no external fuel lines.

 

Loss Mitigation
  • The following would be considered loss mitigation techniques taken against wind and hail losses.

Storm Shutters

·       A storm shutter is defined as coverings used for the purposes of protecting windows from damage during the course of a storm. To qualify for the discount, approved storm shutters must be installed on all exterior windows in the insured dwelling.

Building Code Effectiveness Grading

·       The Building Code Effectiveness Grading Schedule (BCEGS) assesses the building codes in effect in a particular community and how the community enforces its building codes, with special emphasis on mitigation of losses from natural hazards

Hurricane Fortified for Safer Living

·       The dweling was constructed in accordance with the Fortified For Safer Living Standards (FFSLS) as adopted by the Institute for Business and Home Safety. A certification by an FFSLS certified inspector as new construction in accordance with the Fortified For Safer Living Standards.

Multipolicy
  • Available if you have more than one policy with Kemper.
Paperless
  • Available if you choose to have documents emailed.
Roof Covering
  • Must meet the impact resistance testing criteria.

Enhanced

Included, Optional Coverage, Discounts

Included

ID Fraud Coverage
Enhanced Coverage


Dwelling Coverage

  • Covers the part of the structure you own.

Exclusions

  • Freezing.
  • Theft of building materials.
  • Wear and Tear.
  • Earth Movement.
  • Flood.
  • Nuclear.
  • War.

Other Structures

  • Covers structures not attached to the main dwelling.

Personal Property

  • Cover unscheduled personal property within the dwelling.
  • Property at other residences covered at 10% of limit or $1,000 which ever is greater.

Perils Insured Against:

  • Fire or Lighting
  • Windstorm or hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Falling Objects
  • Weight of Ice, snow or sleet
  • Accidental Discharge or Overflow of Water or Steam. Damaged appliance or pipe will not be replaced.
  • Sudden and accidental tearing apart Cracking, Burning or Bulging
  • Freezing
  • Sudden and Accidental Damage from Artificially Generated Electrical Current.
  • Volcanic Eruption.

Exclusions:

  • Animals, Birds, or Fish.
  • Motor Vehicles. (Except golf carts and go carts)
  • Aircraft and Hovercraft.
  • Property of renter’s.
  • Business data
  • Credit cards.
  • Wear and Tear.
  • Earth Movement.
  • Flood.
  • Nuclear.
  • War.

Special Limits

  • Money: $1,000
  • Securities: $5,000
  • Watercraft: $3,000
  • Trailers: $3,000
  • Jewelry, Watches, and Furs: $5,000
  • Firearms: $5,000
  • Silverware, Silver-plated ware, Gold-plated ware and Pewterware: $5,000
  • Business Property (On premises): $5,000
  • Business Property (Off premises): $3,000

Personal Liability

  • Covers the insured for bodily injury and property damage they are legally liable to pay.
  • Will pay for claim expenses, first aid expenses, damage to property of others.
  • Limit up to $750,000.

Medical Payments

  • Covers the insured for medical payments they are legally liable to pay.
  • Limit up to $5,000.

Additional Coverage

  • ID Fraud Expense: Provides up to $25,000 for expenses due to ID fraud. $500 deductible applies.
  • Water Back-Up: Up to $10,000 for this coverage. $1,000 deductible applies.
  • Credit Card, Fund Transfer Card, Forgery and Counterfeit Money: $10,000 limit.
  • Debris Removal: Up to $500 for trees.
  • Lock Replacement: Pays 50% of the cost to replace locks. Does not exceed $500. No deductible.
  • Loss Assessment: $10,000 limit.
  • Ordinance or Law: 20% of coverage A.
  • Personal Injury Liability: Liability for personal injury to others, such as false arrest, libel or invasion of privacy up to $300,000.
  • Personal Property-Other Residence: $5,000 limit.
  • Refrigerated Property: Limit up to $500. $100 deductible applies.
  • Trees, Shrubs and Other Plants: Up to $500 per tree.
  • Volunteer Wrongful Acts: $10,000 limit. Any actual or alleged error, misstatement, actions or inactions, neglect, or breach of duty committed by the insured while acting as a volunteer.
  • Watercraft Liability: Motors up to and including 50 horsepower.

Other Highlights

  • Access to EKemper.
  • Blanket Property Limit: Total limit of liability available for all covered property under section 1 (Coverage A, B, C, and D)

Optional Coverage

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Additional Insured
  • Can add a joint owner to the residence.
Additional Residence Rented to Others
  • Extends coverage to additional residences rented to others.
Assisted Living Care Coverage

View Endorsement

  • Extends coverage to named insureds and resident relative who are member of the household prior to moving to an assisted living care facility.
  • $10,000 for personal property
  • $6,000 / $500 per month for additional living expenses
  • $100,000 for personal liability
Blanket Valuable Items

View Endorsement

  • Covers items at a blanket value. Direct physical loss. $1,000 minimum per item.
  • No deductible applies.
  • Limit of $10,000 and an aggregate limit of $50,000 for: Jewelry, Furs, Fine Arts, Silverware.
  • Limit of $5,000 and an aggregate limit of $25,000 for: Golfer’s Equipment, Cameras, Guns, Musical Instruments, Fragile Articles (includes breakage coverage)
Business Pursuits
  • Provides coverage for the liability of the insured arising out of business activities.
  • Excluded if: Insured owns the business. Involved in: Architectural, engineering or industrial services. Medical, surgical, dental or other services or treatment conducive to the health of persons or animals and beauty or barber services or treatment. Draft or saddle animals or vehicles for use therewith; Aircraft; Hovercraft; Motor vehicles; or Watercraft.
Limited Earthquake Coverage

View Endorsement

  • Covers for peril of Earthquake.
  • $5,000 Coverage A and C. $1,500 Coverage D.
  • Deductible is $750
Equipment Breakdown Coverage

View Endorsement

  • The policy may be endorsed to provide up to $100,000 coverage for sudden and accidental direct physical loss to covered property located on the residence premises caused by mechanical or electronic breakdown, subject to a $500 deductible. The endorsement also provides coverage for repair or replacement with Energy Star qualified products, expediting expenses, spoilage and cleanup and removal of pollutants or contaminants resulting from a covered loss.  The wear and tear exclusion of the policy applies to this coverage.
Incidental Farming Personal Liability On the Residence Premises

  • The policy may be endorsed to provide coverage for the liability of the insured when farming activities are conducted on the residence premises, are incidental to the use of the premises as a dwelling, and the income derived from the farming operations is not the insured’s primary source of income.  However, coverage is not available if the residence premises is used for racing purposes. The policy may also be endorsed to provide coverage when the residence premises is used for the sheltering and grazing of animals.  However, coverage is not available if the residence premises is used for racing purposes.

Away From the Residence Premises

  • The policy may be endorsed to provide coverage for the liability of the insured when incidental farming activities are conducted at the locations away from the residence premises specified in the endorsement and the income derived from the farming operations is not the insured’s primary source of income.  However, coverage is not available if the locations specified in the endorsement are used for racing purposes.
Limited Water Back-Up and Sump Discharge or Overflow Coverage
  • Covers the back up of sewers and drains. Up to $50,000. ($10,000 included in Enhanced policy)
Motorized Golf Cart- Physical Loss

View Endorsement

  • Covers golf carts used on the premises.
  • Collision is optional.
  • $500 deductible applies.
Other Insured Location Occupied by Insured
  • Extends liability to other locations occupied by the insured.
Other Members of a Named Insured’s household
  • Extends coverage to other members in the household not directly related to the insured.
Permitted Incidental Occupancies
  • Extends coverage to incidental occupancies.
  • Includes offices, schools, or Studios meaning offices for business or professional purposes, and private schools or studios, dance, photography and other instructional purposes.
Personal Property – Self-storage Facilities
  • Coverage for personal property located in self-storage facilities is limited to 10% of Coverage C or $1,000, whichever is greater.  The policy may be endorsed to increase this limit up to a maximum of $50,000.
Residence Employees
  • Provides coverage for residence employees. There is no charge for employees working less than half of the customary full time or to whom workers’ compensation exclusion applies as stated in Section II of the policy.  There is no charge for up to two residence employees otherwise employed.
Residence Held in Trust
  • Provides coverage for a trustee.
Scheduled Personal Property
  • Covers the following classes of property on a scheduled basis: Camera, Coins and Currency, Fine Arts, Furs, Guns, Golfer’s Equipment, Jewelry, Musical Instruments, Personal Electronic Equipment, Silverware, and Stamps. For articles being transported between the primary location and secondary locations, the highest applicable protection class shall apply when determining premium. The minimum coverage amount per class is $1,000.
  • Agreed Value: For no additional charge, the claim settlement procedure for total loss to an article is amended to allow for agreed value settlement in lieu of actual cash value settlement for all classes listed above except personal electronic equipment.
  • Fine Arts – Special Breakage Coverage: The policy may be endorsed to provide breakage coverage for fragile articles on an all risk of physical loss basis.  In such event, the portion of Fine Arts with breakage coverage and the portion of Fine Arts without breakage coverage shall be rated separately, with the value of covered property and the premium charges stated separately on the schedule.  Premium for breakage coverage shall be in addition to the premium for the basic Fine Arts coverage.
  • JewelryBroad Pair & Set: The policy may be endorsed to revise the claim settlement procedure for total loss to one or more articles within a set to provide for payment of the full amount of the set as shown in the schedule in exchange for surrender to the Company of the remaining article or articles of that set.
Student Living Away From the Residence Premises
  • Covers a student away from home.
  • Must be under the age of 24 and a relative of the named insured.
Unit Owners Coverage A Special Coverage
  • Broadens coverage A to cover additional perils.
Unit Owners Rental to Others
  • Covers the personal property and liability if the unit is rented to others.

Discounts

Back to Top

Advanced Quote
  • The earlier the quote from the effective date, the larger the discount that is applied.
Affinity Group
  • Applies to current Kemper employees and Active/Retired military members.
Home Buyer
  • Must have purchased home in the last 12 months.
Home Safety
  • Must have the following loss prevention measures or green features:

Energy Star/ EPA Certified Home

·       An Energy Star / EPA Certified Home is a dwelling that has been independently verified to meet guidelines for energy efficiency set by the United States Environmental Protection agency.  The dwelling has earned Energy Star / EPA certification.

Fortified Home

·       A Fortified Home is a dwelling that is constructed with added protection to resist natural disasters and extreme weather events such as high wind, wildfire, flood, hail, and earthquake.  The home is constructed with added protection to windows and doors, improved connections between the roof, walls and foundation, and a roof design that is thicker, stronger, and designed to stay drier.

LEED Certified Home

·       A LEED Certified Home is a dwelling that has been independently verified to meet guidelines for design and construction of high-performance green homes.

Whole House Waster Leak Protection

·       A whole house water leak detection system shuts off the main water service when a water leak is detected.  An automatic shut-off valve is installed on the main water service piping between the water meter and the first branch piping.

Automatic Gas Shutoff Valve

·       Automatic shut-off valves are professionally installed on all gas or propane lines into the home.  The discount also applies to all-electric / all-solar homes with no external fuel lines.

 

Loss Mitigation
  • The following would be considered loss mitigation techniques taken against wind and hail losses.

Storm Shutters

·       A storm shutter is defined as coverings used for the purposes of protecting windows from damage during the course of a storm. To qualify for the discount, approved storm shutters must be installed on all exterior windows in the insured dwelling.

Building Code Effectiveness Grading

·       The Building Code Effectiveness Grading Schedule (BCEGS) assesses the building codes in effect in a particular community and how the community enforces its building codes, with special emphasis on mitigation of losses from natural hazards

Hurricane Fortified for Safer Living

·       The dweling was constructed in accordance with the Fortified For Safer Living Standards (FFSLS) as adopted by the Institute for Business and Home Safety. A certification by an FFSLS certified inspector as new construction in accordance with the Fortified For Safer Living Standards.

Multipolicy
  • Available if you have more than one policy with Kemper.
Paperless
  • Available if you choose to have documents emailed.
Roof Covering
  • Must meet the impact resistance testing criteria.

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Elite

Included, Optional Coverage, Discounts

Included

ID Fraud Coverage
Elite Coverage


Dwelling Coverage

  • Covers the part of the structure you own.

Exclusions

  • Freezing.
  • Theft of building materials.
  • Wear and Tear.
  • Earth Movement.
  • Flood.
  • Nuclear.
  • War.

Other Structures

  • Covers structures not attached to the main dwelling.

Personal Property

  • Cover unscheduled personal property within the dwelling.
  • Property at other residences covered at 10% of limit or $1,000 which ever is greater.

Perils Insured Against:

  • Fire or Lighting
  • Windstorm or hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Falling Objects
  • Weight of Ice, snow or sleet
  • Accidental Discharge or Overflow of Water or Steam. Damaged appliance or pipe will not be replaced.
  • Sudden and accidental tearing apart Cracking, Burning or Bulging
  • Freezing
  • Sudden and Accidental Damage from Artificially Generated Electrical Current.
  • Volcanic Eruption.

Exclusions:

  • Animals, Birds, or Fish.
  • Motor Vehicles. (Except golf carts and go carts)
  • Aircraft and Hovercraft.
  • Property of renter’s.
  • Business data
  • Credit cards.
  • Wear and Tear.
  • Earth Movement.
  • Flood.
  • Nuclear.
  • War.

Special Limits

  • Money: $1,000
  • Securities: $5,000
  • Watercraft: $3,000
  • Trailers: $3,000
  • Jewelry, Watches, and Furs: $5,000
  • Firearms: $5,000
  • Silverware, Silver-plated ware, Gold-plated ware and Pewterware: $5,000
  • Business Property (On premises): $5,000
  • Business Property (Off premises): $3,000

Personal Liability

  • Covers the insured for bodily injury and property damage they are legally liable to pay.
  • Will pay for claim expenses, first aid expenses, damage to property of others
  • Limit up to $1,000,000.

Medical Payments

  • Covers the insured for medical payments they are legally liable to pay.
  • Limit up to $5,000.

Additional Coverage

  • ID Fraud Expense: Provides up to $50,000 for expenses due to ID fraud. $500 deductible applies.
  • Water Back-Up: Up to $25,000 for this coverage. $1,000 deductible applies.
  • Credit Card, Fund Transfer Card, Forgery and Counterfeit Money: $10,000 limit.
  • Data Records: $5,000 limit.
  • Debris Removal: Up to $500 for trees.
  • Foundation Water Damage: Up to $25,000 for foundation water damage caused by seepage or leakage of water.
  • Land Stabilization: 10% for excavation, replacement, stabilization or filling of the land.
  • Lock Replacement: Pays 50% of the cost to replace locks. Does not exceed $500. No deductible.
  • Loss Assessment: $50,000 limit.
  • Mortgage Extra Expense: Up to $12,000/$250 a month for increased monthly mortgage expenses incurred to acquire a replacement residence after the residence premises has been rendered a total loss.
  • Ordinance or Law: 30% of coverage A.
  • Personal Injury Liability: Liability for personal injury to others, such as false arrest, libel or invasion of privacy up to $300,000.
  • Personal Property-Other Residence: $5,000 limit.
  • Refrigerated Property: Limit up to $500. $100 deductible applies.
  • Trees, Shrubs and Other Plants: Up to $1,000 per tree.
  • Watercraft Liability: Motors up to and including 50 horsepower.
  • Water Seepage or Leakage: Provides Coverage for the deterioration, wet or dry rot of property caused by the accidental constant or repeated seepage or leakage of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system or from within a household appliance.

Other Highlights

  • Access to EKemper.

Optional Coverage

Back to Top

Additional Insured
  • Can add a joint owner to the residence.
Additional Residence Rented to Others
  • Extends coverage to additional residences rented to others.
Assisted Living Care Coverage

View Endorsement

  • Extends coverage to named insureds and resident relative who are member of the household prior to moving to an assisted living care facility.
  • $10,000 for personal property
  • $6,000 / $500 per month for additional living expenses
  • $100,000 for personal liability
Blanket Valuable Items

View Endorsement

  • Covers items at a blanket value. Direct physical loss. $1,000 minimum per item.
  • No deductible applies.
  • Limit of $10,000 and an aggregate limit of $50,000 for: Jewelry, Furs, Fine Arts, Silverware.
  • Limit of $5,000 and an aggregate limit of $25,000 for: Golfer’s Equipment, Cameras, Guns, Musical Instruments, Fragile Articles (includes breakage coverage)
Business Pursuits
  • Provides coverage for the liability of the insured arising out of business activities.
  • Excluded if: Insured owns the business. Involved in: Architectural, engineering or industrial services. Medical, surgical, dental or other services or treatment conducive to the health of persons or animals and beauty or barber services or treatment. Draft or saddle animals or vehicles for use therewith; Aircraft; Hovercraft; Motor vehicles; or Watercraft.
Limited Earthquake Coverage

View Endorsement

  • Covers for peril of Earthquake.
  • $5,000 Coverage A and C. $1,500 Coverage D.
  • Deductible is $750
Eco-Upgrade
  • Additional coverage for eco-friendly or energy efficient appliances or building materials
  • Increased coverage to pay for costs of recycling debris
  • Aggregate limit of 5% of the amount of covered loss up to a maximum of $25,000
  • Up to $250 to upgrade any one Energy Star Qualified Household Appliance
Equipment Breakdown Coverage

View Endorsement

  • The policy may be endorsed to provide up to $100,000 coverage for sudden and accidental direct physical loss to covered property located on the residence premises caused by mechanical or electronic breakdown, subject to a $500 deductible. The endorsement also provides coverage for repair or replacement with Energy Star qualified products, expediting expenses, spoilage and cleanup and removal of pollutants or contaminants resulting from a covered loss.  The wear and tear exclusion of the policy applies to this coverage.
Incidental Farming Personal Liability On the Residence Premises

  • The policy may be endorsed to provide coverage for the liability of the insured when farming activities are conducted on the residence premises, are incidental to the use of the premises as a dwelling, and the income derived from the farming operations is not the insured’s primary source of income.  However, coverage is not available if the residence premises is used for racing purposes. The policy may also be endorsed to provide coverage when the residence premises is used for the sheltering and grazing of animals.  However, coverage is not available if the residence premises is used for racing purposes.

Away From the Residence Premises

  • The policy may be endorsed to provide coverage for the liability of the insured when incidental farming activities are conducted at the locations away from the residence premises specified in the endorsement and the income derived from the farming operations is not the insured’s primary source of income.  However, coverage is not available if the locations specified in the endorsement are used for racing purposes.
Limited Water Back-Up and Sump Discharge or Overflow Coverage
  • Covers the back up of sewers and drains. Up to $75,000. ($25,000 included in Elite policy)
Motorized Golf Cart- Physical Loss

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  • Covers golf carts used on the premises.
  • Collision is optional.
  • $500 deductible applies.
Other Insured Location Occupied by Insured
  • Extends liability to other locations occupied by the insured.
Other Members of a Named Insured’s household
  • Extends coverage to other members in the household not directly related to the insured.
Permitted Incidental Occupancies
  • Extends coverage to incidental occupancies.
  • Includes offices, schools, or Studios meaning offices for business or professional purposes, and private schools or studios, dance, photography and other instructional purposes.
Personal Property – Self-storage Facilities
  • Coverage for personal property located in self-storage facilities is limited to 10% of Coverage C or $1,000, whichever is greater.  The policy may be endorsed to increase this limit up to a maximum of $50,000.
Residence Employees
  • Provides coverage for residence employees. There is no charge for employees working less than half of the customary full time or to whom workers’ compensation exclusion applies as stated in Section II of the policy.  There is no charge for up to two residence employees otherwise employed.
Residence Held in Trust
  • Provides coverage for a trustee.
Scheduled Personal Property
  • Covers the following classes of property on a scheduled basis: Camera, Coins and Currency, Fine Arts, Furs, Guns, Golfer’s Equipment, Jewelry, Musical Instruments, Personal Electronic Equipment, Silverware, and Stamps. For articles being transported between the primary location and secondary locations, the highest applicable protection class shall apply when determining premium. The minimum coverage amount per class is $1,000.
  • Agreed Value: For no additional charge, the claim settlement procedure for total loss to an article is amended to allow for agreed value settlement in lieu of actual cash value settlement for all classes listed above except personal electronic equipment.
  • Fine Arts – Special Breakage Coverage: The policy may be endorsed to provide breakage coverage for fragile articles on an all risk of physical loss basis.  In such event, the portion of Fine Arts with breakage coverage and the portion of Fine Arts without breakage coverage shall be rated separately, with the value of covered property and the premium charges stated separately on the schedule.  Premium for breakage coverage shall be in addition to the premium for the basic Fine Arts coverage.
  • JewelryBroad Pair & Set: The policy may be endorsed to revise the claim settlement procedure for total loss to one or more articles within a set to provide for payment of the full amount of the set as shown in the schedule in exchange for surrender to the Company of the remaining article or articles of that set.
Student Living Away From the Residence Premises
  • Covers a student away from home.
  • Must be under the age of 24 and a relative of the named insured.
Unit Owners Coverage A Special Coverage
  • Broadens coverage A to cover additional perils.
Unit Owners Rental to Others
  • Covers the personal property and liability if the unit is rented to others.

Discounts

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Advanced Quote
  • The earlier the quote from the effective date, the larger the discount that is applied.
Affinity Group
  • Applies to current Kemper employees and Active/Retired military members.
Home Buyer
  • Must have purchased home in the last 12 months.
Home Safety
  • Must have the following loss prevention measures or green features:

Energy Star/ EPA Certified Home

·       An Energy Star / EPA Certified Home is a dwelling that has been independently verified to meet guidelines for energy efficiency set by the United States Environmental Protection agency.  The dwelling has earned Energy Star / EPA certification.

Fortified Home

·       A Fortified Home is a dwelling that is constructed with added protection to resist natural disasters and extreme weather events such as high wind, wildfire, flood, hail, and earthquake.  The home is constructed with added protection to windows and doors, improved connections between the roof, walls and foundation, and a roof design that is thicker, stronger, and designed to stay drier.

LEED Certified Home

·       A LEED Certified Home is a dwelling that has been independently verified to meet guidelines for design and construction of high-performance green homes.

Whole House Waster Leak Protection

·       A whole house water leak detection system shuts off the main water service when a water leak is detected.  An automatic shut-off valve is installed on the main water service piping between the water meter and the first branch piping.

Automatic Gas Shutoff Valve

·       Automatic shut-off valves are professionally installed on all gas or propane lines into the home.  The discount also applies to all-electric / all-solar homes with no external fuel lines.

 

Loss Mitigation
  • The following would be considered loss mitigation techniques taken against wind and hail losses.

Storm Shutters

·       A storm shutter is defined as coverings used for the purposes of protecting windows from damage during the course of a storm. To qualify for the discount, approved storm shutters must be installed on all exterior windows in the insured dwelling.

Building Code Effectiveness Grading

·       The Building Code Effectiveness Grading Schedule (BCEGS) assesses the building codes in effect in a particular community and how the community enforces its building codes, with special emphasis on mitigation of losses from natural hazards

Hurricane Fortified for Safer Living

·       The dweling was constructed in accordance with the Fortified For Safer Living Standards (FFSLS) as adopted by the Institute for Business and Home Safety. A certification by an FFSLS certified inspector as new construction in accordance with the Fortified For Safer Living Standards.

Multipolicy
  • Available if you have more than one policy with Kemper.
Paperless
  • Available if you choose to have documents emailed.
Roof Covering
  • Must meet the impact resistance testing criteria.

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