You never know what the unexpected may bring. The ravages of fire, natural disasters, or other unforeseen occurrences can destroy the very things you work hard for. Kemper Life Contents/Fire Insurance gives you peace of mind by safeguarding your personal and valuable items inside your home if they’re ever damaged or destroyed.
Why choose Kemper Life Contents/Fire Insurance?
Protects your valuables*
You can ensure personal belongings such as TVs, laptops, game consoles, furniture, jewelry, clothing, appliances, and other household items are covered.
*Based on your location and need. Ask your agent for more information.
Protects against catastrophe**
Disasters such as fire, lightning, explosions, windstorms, hail, civil commotion/ riot, falling aircraft, land vehicle, smoke are insured.
**Coverage varies by state and policy.
May provide living expense benefit***
If a covered loss makes your home uninhabitable, the benefit payable is 4% for a maximum of three months. Receipts may not be required for the benefit to be paid.
***Optional coverage offered in some states.
Kemper Life Options
With the right policy in place, you’ll gain peace of mind today and provide protection for the people you love. Discover which type of insurance is right for you.
Why Choose Contents/Fire Insurance?
You would struggle to replace valuable items
Replacing your possessions could cost hundreds of dollars or more.
You live in an area prone to high risks
If you live in an area prone to fires or natural disasters, contents/fire insurance is worth considering.
Adds protection for both renters and homeowners
Helps you avoid relying on family, friends or charity to help replace your possessions.
Optional coverages fortify your protection
Such as accidental death, burglary and theft, personal property special limit (for jewelry, firearms and furs) and earthquake.1
1Not available in all states.
Kemper Life Liability Insurance*
Contents/Fire Insurance Frequently Asked Questions
Contents/fire insurance helps protect the personal belongings inside your home—such as furniture, clothing, and electronics—against covered losses like fire, smoke damage, or sometimes other risks, depending on the policy.
Whether it’s required or not, contents/fire insurance is a smart choice. If your meaningful possessions were unexpectedly damaged or destroyed, what would you do without insurance? The cost could be thousands of dollars. Would you want to pay out of pocket to replace everything? With contents/fire insurance, you’re better safe than sorry.
No. Contents insurance is valuable for both renters and homeowners. Whether you own or rent, contents insurance may cover some of your personal property.
Coverage usually includes your personal possessions—like clothing, appliances, furniture, and electronics—if they’re damaged or destroyed by a covered event such as fire or smoke. Policies may also cover theft, or other risks, depending on your plan.
The cost depends on the value of your belongings, the coverage limits you choose, and where you live. Generally, it’s considered an affordable way to help protect against costly losses.
A good starting point is to take an inventory of your belongings and estimate their replacement value. One of our licensed agents can walk you through the process and help you select the right amount of coverage for your needs.