Kemper Preferred & Kemper Specialty
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Kemper’s current official public-facing material does not show a verified standalone home underwriting or appetite guide for Kemper Preferred or Kemper Specialty. Public carrier guidance indicates Kemper announced on August 7, 2023 that it was exiting the preferred home and auto insurance market sold through the Kemper Personal Insurance brand, with policies to be non-renewed or canceled subject to state regulation. Operationally, that means no current verified public appetite for new preferred-home submissions was found on Kemper’s official site for these brands. The verified agent-facing entry point remains the Kemper Agent Portal, which routes agents by business line, including Kemper Personal Insurance, but no public home risk-appetite details, class preferences, eligibility grids, protection class/age limits, or restricted/declined-property schedules were publicly accessible from the verified pages reviewed. Geographic notes: no current public state-by-state home appetite was found; public consumer/agent pages currently emphasize personal auto, commercial auto, and life, and the public Find an Agent flow only surfaced Personal Auto and Commercial Auto product selections. Submission requirements and producer notes: agents are directed to use the Kemper Agent Portal / Personal Insurance portal for any available servicing or submission activity; producer recruitment is handled through Kemper’s Become an Agent pages, but no public broker bulletin or home submission instruction set for Kemper Preferred or Kemper Specialty was verified. Underwriting company references on Kemper’s official site still list legacy personal-insurance underwriting entities such as Unitrin Auto and Home Insurance Company and Unitrin Preferred Insurance Company, but this is not a current appetite statement. Overall refresh conclusion: treat Kemper Preferred/Kemper Specialty Home as having no verified current public new-business underwriting appetite published on Kemper’s official site; confirm directly through appointed-agent channels before attempting any home submission.