Kemper Preferred Insurance Review: Auto & Home Insurance Customer Complaint Statistics & JD Power, AM Best Ratings

This Kemper Preferred Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the auto & home insurance complaint ratings for the subsidiary companies of the Kemper Preferred insurance companies, to determine whether each of their subsidiaries, such as Kemper Independence Insurance Company or Unitrin Auto and Home Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

I’ll look at increases & decreases in market share (as measured by annual written premiums) for each of these Kemper Preferred subsidiaries, as a possible indication of high or low insurance rates. Lastly, this review will compare the auto & home insurance complaint records for these Kemper Preferred subsidiary companies, with major competitors, like State Farm, Allstate, Progressive, GEICO, & Farmers. I’ll review the AM Best Financial Strength Rating (FSR) and JD Power ratings for the Kemper Preferred insurance subsidiaries insuring cars & homes, too.

Be sure to use the information in this Kemper auto and homeowners insurance review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

Use the information in this review to compare Kemper Preferred auto & homeowners insurance to the industry average and competing companies for customer service, customer complaints, claims processing performance, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see at a glance if Kemper Preferred Insurance consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compare Kemper Preferred to over 40 other U.S. auto & home insurance companies.

If you find this Kemper Preferred auto & home insurance review useful, please like it on Facebook & share the link to this review or my site with your friends & family through social media. Bookmark this page for updates as new JD Power studies are published each year.


Kemper Preferred Insurance Review

Kemper Preferred is a part of the Kemper Corporation, and it’s the Kemper / Unitrin group of insurance companies selling standard & preferred auto & home insurance through local independent insurance agencies in the communities of many US States. Other Kemper groups, such as Kemper Direct (including Kemper Select & the Response insurance companies) & Kemper Specialty (nonstandard auto insurance for higher risk drivers), are reviewed separately. You can find a local independent insurance agency representing one or more of the Kemper Preferred companies by visiting the Kemper Preferred Web site.

This Kemper Preferred auto & home insurance review is divided into five sections, consisting of: 1. its AM Best Financial Strength Ratings, 2. its JD Power customer satisfaction ratings, 3. its auto insurance customer complaint ratings, 4. its home insurance customer complaint ratings, and 5. information about competing auto insurance companies, and how their complaint records compare to the Kemper Preferred companies.

Most auto & home insurance companies have several subsidiary companies selling their insurance. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different lines of insurance, such as mobile home or motorcycle insurance. Different subsidiaries can also be used for different sales distribution methods, such as selling direct from the company, or through independent insurance agents. Some Companies, like Kemper Corporation, have acquired other insurance companies over the years, such as the Unitrin companies & Valley Insurance companies, which now operate as Kemper subsidiaries. Each subsidiary has its own rates, so the price you are quoted will vary, if you are eligible and receive quotes from multiple Kemper / Unitrin subsidiaries.

1. AM Best Financial Strength Ratings for the Kemper Preferred insurance companies

The auto / home insurance subsidiaries of the Kemper Preferred insurance companies (Kemper Independence Insurance Company, Unitrin Advantage Insurance Company, Unitrin Auto and Home Insurance Company, Unitrin Safeguard Insurance Company, Unitrin Preferred Insurance Company, Trinity Universal Insurance Company, Valley Insurance Company, & Valley Property & Casualty Insurance Company) included in this review have an A- (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) reaffirmed on 7/15/2015. A- is the fourth highest rating for AM Best. I become concerned with any automobile or homeowners insurance company or subsidiary with less than an A- rating for financial strength from AM Best.

2. Kemper JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, & 2015

This section of the review will analyze the JD Power ratings & numerical scores for Kemper in all the JD Power insurance studies where the company was included from 2012 to 2015, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company. I’ll compare the numerical scores (instead of the power circle rating) for Kemper auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2015) where it was rated.

In most recent years, there has not been a large enough sample share of Kemper customers for Kemper to be rated in a JD Power auto or homeowners insurance study. However, Kemper was included in the 2015 JD Power Homeowners Insurance Customer Satisfaction Study.

The Annual JD Power Homeowners Insurance Customer Satisfaction Study

2015: Kemper scored 20 points (on a 1,000 point scale) or 2% below the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 767 out of 1,000 points.

Here is how Kemper rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:

Policy Offerings: Three Power Circles (about average)

Price: Two Power Circles (lowest rating)

Billing & Payment: Three Power Circles (about average)

Contacting the Insurer: Three Power Circles (about average)

Claims: Two Power Circles (lowest rating)

Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)

Liberty Mutual, Safeco, and Travelers scored about the same (one point below) as Kemper in the 2015 JD Power Homeowners Insurance Customer Satisfaction study.

These companies scored .4% or more higher than Kemper in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, California State Auto Association (CSAA), Hartford, Chubb, Progressive, Cincinnati, Mercury, Farmers, Encompass, Automobile Club Group, and Metlife.

These companies scored 4.5% lower than Kemper in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): Hanover.

Homeowners Insurance Customer Satisfaction Summary: Kemper scored 2% below the national average in the 2015 study, showing below average homeowners insurance customer satisfaction in spite of its “about average” rating of three power circles for overall homeowners satisfaction, and earning the lowest rating of two power circles for the factors of homeowners insurance pricing and claims handling.

The Annual JD Power Auto Insurance Customer Satisfaction Study

Kemper has not been included in the annual JD Power Auto Insurance Customer Satisfaction study since 2013, when it was rated in the California region, and received the lowest rating of two power circles for overall auto insurance customer satisfaction in California.

2013: Kemper scored 35 points (on a 1,000 point scale) or 3.5% below the 2013 California region average, at 742 out of 1,000 points.

These companies scored 3.8% or more higher than in the 2013 California Region study: USAA, Wawanesa, State Farm, The Hartford, Auto Club of Southern California, GEICO, Ameriprise, Safeco, Progressive, CSAA/AAA NCNU, Allstate, and Liberty Mutual.

These companies scored .5% or more lower than in the 2013 California Region study: Farmers and Infinity P&C.

Kemper Preferred Auto & Homeowners Insurance Complaints

A measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. Sections #2 & #3 of this review will show you if Kemper auto & home insurance has a better-than-average, average, or below-average complaint record for 2009, 2010, 2011, 2012, 2013, & 2014.

Will positive or negative customer reviews help anyone choose a better auto or home insurance company? Can customer reviews at least help people avoid insurance companies with bad customer service? You may really like your auto or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. The good news is many insurance companies settle a good portion of their claims in a manner acceptable to the majority of their customers. However, the wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints.

The most common reasons, for people to file auto or home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this Kemper Preferred insurance companies review, are the number of upheld complaints filed against the Kemper Preferred companies, with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners. This review provides valuable information to help you decide if Kemper Preferred is best for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you reduce the likelihood you will have a negative experience, when you need your auto or home insurance company.

3. Kemper Preferred Auto Insurance Complaint Statistics & Ratings

Kemper Preferred insurance has seven subsidiary companies insuring private passenger vehicles in the states where Kemper Preferred sells auto insurance.

Here’s how I establish my auto insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company.

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

Kemper Independence Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.47)

2014 US auto insurance premium = $158,752,633

2013 Auto Insurance Complaint Ratio = B (.31)

2013 US auto insurance premium = $174,680,391

2012 Auto Insurance Complaint Ratio = B (.45)

2012 US auto insurance premium = $180,256,712

2011 Auto Insurance Complaint Ratio = B (.55)

2011 US auto insurance premium = $170,193,343

2010 Auto Insurance Complaint Ratio = C (.76)

2010 US auto insurance premium = $167,356,157

2009 Auto Insurance Complaint Ratio = B (.67)

Kemper Independence Insurance Company has the largest US auto insurance market share of all the Kemper Preferred subsidiaries, and it’s licensed to operate, but may not be selling auto insurance, in all of the following states: Arizona, Colorado, California, Connecticut, Florida, Illinois, Indiana, Kansas, Maryland, Maine, Missouri, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia, Vermont, & Wisconsin.

The Kemper Independence Insurance Company subsidiary has a lower than average number of auto insurance complaints each year from 2009 to 2014. Its number of auto insurance complaints, in its worst year during this five-year period, is 76% of the industry average. The auto insurance market share for Kemper Independence Insurance Company decreased each year since 2012, which may indicate Kemper Independence Insurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.

Trinity Universal Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C (1.22)

2014 US auto insurance premium = $35,191,389

2013 Auto Insurance Complaint Ratio = B (.22)

2013 US auto insurance premium = $50,038,412

2012 Auto Insurance Complaint Ratio = B (.29)

2012 US auto insurance premium = $62,787,961

2011 Auto Insurance Complaint Ratio = C (.92)

2011 US auto insurance premium = $74,210,886

2010 Auto Insurance Complaint Ratio = B (.51)

2010 US auto insurance premium = $82,508,979

2009 Auto Insurance Complaint Ratio = B (.68)

Trinity Universal Insurance Company is licensed to operate, but may not be selling auto insurance, in all of the following states: Alabama, Arkansas, Arizona, Colorado, California, Georgia, Idaho, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Minnesota, Missouri, Mississippi, Montana, Nebraska, New Mexico, Ohio, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, & Wyoming.

Trinity Universal Insurance Company had a lower than average number of auto insurance complaints each year from 2009 to 2013, but its number of auto insurance complaints in 2014 was 22% more than the industry average. The auto insurance market share for Trinity Universal Insurance Company has decreased each year since 2010, which may be an indication Trinity Universal Insurance Company does not have competitive pricing for its auto insurance, or it may no longer be selling new auto insurance policies, in at least some of the states where it operates.

Unitrin Advantage Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $3,695,997

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $3,974,313

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $5,669,386

2011 Auto Insurance Complaint Ratio = B (0) (No complaints)

2011 US auto insurance premium = $5,426,562

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $5,964,921

2009 Auto Insurance Complaint Ratio = W (1.39)

Unitrin Advantage Insurance Company is available in the state of New York only.

Unitrin Advantage Insurance Company is a Kemper Preferred subsidiary with a very small auto insurance market share, even for a subsidiary available in only one state. The Unitrin Advantage Insurance Company subsidiary has a better than average auto insurance complaint history, with no auto insurance complaints in the last five years. The auto insurance market share for Unitrin Advantage Insurance Company decreased each year since 2012, which may be an indication Unitrin Advantage Insurance Company no longer has competitive pricing for its auto insurance, or it may no longer be selling new auto insurance policies.

Unitrin Auto & Home Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C (1.00)

2014 US auto insurance premium = $117,967,557

2013 Auto Insurance Complaint Ratio = B (.70)

2013 US auto insurance premium = $154,095,001

2012 Auto Insurance Complaint Ratio = C (1.12)

2012 US auto insurance premium = $177,675,836

2011 Auto Insurance Complaint Ratio = C (.87)

2011 US auto insurance premium = $185,077,902

2010 Auto Insurance Complaint Ratio = W (1.36)

2010 US auto insurance premium = $198,535,723

2009 Auto Insurance Complaint Ratio = C (1.19)

Unitrin Auto & Home Insurance Company is the Kemper Preferred subsidiary with the second largest US auto insurance market share, almost as big as Kemper Independence Insurance Company, but its market share has decreased each year since 2010. Unitrin Auto & Home Insurance Company is licensed to operate, but may not be selling auto insurance, in all of the following states: Arkansas, Arizona, Colorado, California, District of Columbia, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, North Carolina, North Dakota, Nevada, New Jersey, New Mexico, New York, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, & Washington.

Unitrin Auto & Home Insurance Company has an inconsistent complaint history, with a higher than average number of auto insurance complaints in three of the last six years. Its number of auto insurance complaints, in its worst year during this period, was 36% more than the industry average. The auto insurance market share for Unitrin Auto & Home Insurance Company has decreased each year since 2010, which may be an indication Unitrin Auto & Home Insurance Company does not have competitive pricing for its auto insurance, in at least some of the states where it operates.

Unitrin Preferred Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C (1.02)

2014 US auto insurance premium = $31,759,768

2013 Auto Insurance Complaint Ratio = C (1.18)

2013 US auto insurance premium = $36,809,576

2012 Auto Insurance Complaint Ratio = B (.44)

2012 US auto insurance premium = $41,084,564

2011 Auto Insurance Complaint Ratio = B (.59)

2011 US auto insurance premium = $42,987,477

2010 Auto Insurance Complaint Ratio = C (.92)

2010 US auto insurance premium = $46,160,979

2009 Auto Insurance Complaint Ratio = B (.49)

Unitrin Preferred Insurance Company is licensed to operate, but may not be selling auto insurance, in all of the following states: Arizona, California, Connecticut, District of Columbia, Delaware, Hawaii, Iowa, Illinois, Indiana, Kentucky, Louisiana, Michigan, Missouri, Mississippi, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Washington, Wisconsin, & West Virginia.

The Unitrin Preferred Insurance Company subsidiary has a lower than average number of auto insurance complaints each year from 2009 to 2012, but its number of auto insurance complaints in 2013 was 18% more than the industry average. The auto insurance market share for Unitrin Preferred Insurance Company has decreased each year over the last five years, which may be an indication Unitrin Preferred Insurance Company no longer has competitive pricing for its auto insurance, or it may no longer be selling new auto insurance policies, in at least some of the states where it operates.

Unitrin Safeguard Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $29,095,138

2013 Auto Insurance Complaint Ratio = B (.67)

2013 US auto insurance premium = $32,479,511

2012 Auto Insurance Complaint Ratio = B (.28)

2012 US auto insurance premium = $32,706,467

2011 Auto Insurance Complaint Ratio = B (0) (No complaints)

2011 US auto insurance premium = $26,706,427

2010 Auto Insurance Complaint Ratio = C (1.04)

2010 US auto insurance premium = $16,310,456

2009 Auto Insurance Complaint Ratio = C (.80)

Unitrin Safeguard Insurance Company is licensed to operate, but may not be selling auto insurance, in all of the following states: Idaho, Minnesota, North Carolina, Ohio, South Dakota, Texas, & Wisconsin.

The Unitrin Safeguard Insurance Company subsidiary has a lower than average number of auto insurance complaints in five of the last six years. Its number of auto insurance complaints, in its worst year during this six-year period, is only 4% more than the industry average. The auto insurance market share for Unitrin Safeguard Insurance Company has decreased each year since 2012, which may be an indication Unitrin Safeguard Insurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.

Valley Property & Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C (1.06)

2014 US auto insurance premium = $10,198,597

2013 Auto Insurance Complaint Ratio = W (2.74)

2013 US auto insurance premium = $11,866,274

2012 Auto Insurance Complaint Ratio = W (2.54)

2012 US auto insurance premium = $14,230,987

2011 Auto Insurance Complaint Ratio = B (.56)

2011 US auto insurance premium = $15,135,472

2010 Auto Insurance Complaint Ratio = W (1.67)

2010 US auto insurance premium = $15,160,555

2009 Auto Insurance Complaint Ratio = B (.57)

Valley Property & Casualty Insurance Company is authorized to insure autos in Oregon & Washington only.

The Valley Property & Casualty Insurance Company subsidiary has an inconsistent auto insurance complaint history, with better-than-average complaint ratios in 2009 & 2011, and worse-than-average complaint ratios in 2010, 2012, & 2013. Its number of auto insurance complaints in its worst year during the six-year period (2013) is 274% of the industry average. The auto insurance market share for Valley Property & Casualty Insurance Company has decreased each year since 2010, which may indicate Valley Property & Casualty Insurance Company no longer has competitive pricing for its auto insurance, or it may no longer be selling new auto insurance policies.

4. Kemper Preferred Home Insurance Complaint Statistics & Ratings

Kemper Preferred insures homes & condos in the USA through six subsidiary companies.

Here’s how I establish my home insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company.

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

Kemper Independence Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.38)

2014 US home insurance premium = $120,121,878

2013 Home Insurance Complaint Ratio = B (.62)

2013 US home insurance premium = $125,515,003

2012 Home Insurance Complaint Ratio = B (.33)

2012 US home insurance premium = $123,591,699

2011 Home Insurance Complaint Ratio = B (.43)

2011 US home insurance premium = $112,247,680

2010 Home Insurance Complaint Ratio = B (.26)

2010 US home insurance premium = $103,438,092

2009 Home Insurance Complaint Ratio = B (.61)

Kemper Independence Insurance Company has the largest US home insurance market share of all the Kemper Preferred subsidiaries, and it’s licensed to operate, but may not be selling home insurance, in all of the following states: Arizona, Colorado, California, Connecticut, Florida, Illinois, Indiana, Kansas, Maryland, Maine, Missouri, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia, Vermont, & Wisconsin.

The Kemper Independence Insurance Company subsidiary has a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period, at 62% of the industry average. The home insurance market share for Kemper Independence Insurance Company has decreased from 2013 to 2014, which may be an indication Kemper Independence Insurance Company no longer has competitive home insurance rates.

Trinity Universal Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C (.89)

2014 US home insurance premium = $20,781,445

2013 Home Insurance Complaint Ratio = W (1.30)

2013 US home insurance premium = $25,603,691

2012 Home Insurance Complaint Ratio = C (.90)

2012 US home insurance premium = $26,992,039

2011 Home Insurance Complaint Ratio = B (.57)

2011 US home insurance premium = $28,195,335

2010 Home Insurance Complaint Ratio = B (.29)

2010 US home insurance premium = $31,467,991

2009 Home Insurance Complaint Ratio = B (.24)

Trinity Universal Insurance Company is licensed to operate, but may not be selling home insurance, in all of the following states: Alabama, Arkansas, Arizona, Colorado, California, Georgia, Idaho, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Minnesota, Missouri, Mississippi, Montana, Nebraska, New Mexico, Ohio, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, & Wyoming.

The Trinity Universal Insurance Company subsidiary has lower than average number of home insurance complaints over the last six years, but its number of home insurance complaints in 2013 was 30% more than the industry average. The home insurance market share for Trinity Universal Insurance Company has decreased each year since 2010, which may be an indication Trinity Universal Insurance Company no longer has competitive pricing for its home insurance, or it may not be selling new home insurance policies.

Unitrin Auto & Home Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C (1.12)

2014 US home insurance premium = $90,272,529

2013 Home Insurance Complaint Ratio = C (1.14)

2013 US home insurance premium = $107,122,562

2012 Home Insurance Complaint Ratio = B (.42)

2012 US home insurance premium = $115,931,056

2011 Home Insurance Complaint Ratio = B (.62)

2011 US home insurance premium = $117,754,637

2010 Home Insurance Complaint Ratio = C (1.20)

2010 US home insurance premium = $121,691,290

2009 Home Insurance Complaint Ratio = B (.53)

Unitrin Auto & Home Insurance Company is the Kemper Preferred subsidiary with the second largest US home insurance market share, almost as big as Kemper Independence Insurance Company, but decreasing in size since 2010. Unitrin Auto & Home Insurance Company is licensed to operate, but may not be selling home insurance, in all of the following states: Arkansas, Arizona, Colorado, California, District of Columbia, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, North Carolina, North Dakota, Nevada, New Jersey, New Mexico, New York, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, & Washington.

The Unitrin Auto & Home Insurance Company subsidiary has an inconsistent complaint history, with a lower than average number of home insurance complaints in 2009, 2011, & 2012, and a higher than average number of home insurance complaints in 2010, 2013, & 2014. Its number of home insurance complaints, in its worst year during the four year period, is 20% more than the industry average. The home insurance market share for Unitrin Auto & Home Insurance Company has decreased each year since 2010, which may indicate Unitrin Auto & Home Insurance Company no longer has competitive pricing for its home insurance, or it may not be selling new home insurance policies.

Unitrin Preferred Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.73)

2014 US home insurance premium = $25,147,968

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $28,196,804

2012 Home Insurance Complaint Ratio = B (.27)

2012 US home insurance premium = $30,067,352

2011 Home Insurance Complaint Ratio = B (.54)

2011 US home insurance premium = $30,013,497

2010 Home Insurance Complaint Ratio = B (0) (No complaints)

2010 US home insurance premium = $29,059,986

2009 Home Insurance Complaint Ratio = B (.29)

Unitrin Preferred Insurance Company is licensed to operate, but may not be selling home insurance, in all of the following states: Arizona, California, Connecticut, District of Columbia, Delaware, Hawaii, Iowa, Illinois, Indiana, Kentucky, Louisiana, Michigan, Missouri, Mississippi, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Washington, Wisconsin, & West Virginia.

The Unitrin Preferred Insurance Company subsidiary has a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period, at 73% of the industry average. The home insurance market share for Kemper Independence Insurance Company decreased each year since 2012, which may be an indication Unitrin Preferred Insurance Company no longer has competitive pricing for its home insurance.

Unitrin Safeguard Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C (.88)

2014 US home insurance premium = $41,978,446

2013 Home Insurance Complaint Ratio = B (.52)

2013 US home insurance premium = $42,720,394

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $35,759,345

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $24,570,387

2010 Home Insurance Complaint Ratio = B (0)(No Complaints)

2010 US home insurance premium = $17,497,912

2009 Home Insurance Complaint Ratio = C (.81)

Unitrin Safeguard Insurance Company is licensed to operate, but may not be selling home insurance, in all of the following states: Idaho, Minnesota, North Carolina, Ohio, South Dakota, Texas, & Wisconsin.

The Unitrin Safeguard Insurance Company subsidiary has a lower than average number of home insurance complaint history each year since 2009. Its number of home insurance complaints, in its worst year during this period, is 88% of the industry average. The home insurance market share for Unitrin Safeguard Insurance Company decreased slightly from 2013 to 2014, which may be an indication it no longer has competitive pricing for its home insurance.

Valley Property & Casualty Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $5,180,377

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $5,770,362

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $6,991,824

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $7,389,709

2010 Home Insurance Complaint Ratio = W (2.55)

2010 US home insurance premium = $7,140,825

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

Valley Property & Casualty Insurance Company is authorized to insure homes in Oregon & Washington only, but has a very small share of the home insurance market.

The Valley Property & Casualty Insurance Company subsidiary had no home insurance complaints in five of the last six years, with its number of home insurance complaints in its worst year during the period (2010), at 255% of the industry average. The home insurance market share for Valley Property & Casualty Insurance Company has decreased each year since 2011, which may be an indication Valley Property & Casualty Insurance Company does not have competitive pricing for its home insurance, or it’s not selling new home insurance policies.

5. Kemper Preferred Auto & Home Insurance Complaint Ratings Compared to Major Competitors

Of the Kemper Preferred companies, Kemper Independence Insurance Company has the best auto & home insurance complaint ratios, and increasing market shares, which may be a sign of competitive prices for auto & home insurance coverage.

Allstate Insurance

Auto insurance complaint record: The largest Allstate subsidiaries have a history of about the same or better annual auto insurance complaint ratios than the Kemper Preferred companies.

Home insurance complaint record: Most of the Allstate subsidiaries have a history of about the same or better annual home insurance complaint ratios than the Kemper Preferred companies, except Kemper Independence Insurance Company & Unitrin Safeguard Insurance Company, which have better home insurance complaint ratios than most of the Allstate companies.

You can check Allstate’s complaint statistics in my Allstate Insurance complaints & ratings review here.

State Farm Insurance

Auto insurance complaint record: The State Farm subsidiaries have a history of better annual auto insurance complaint ratios than most of the Kemper Preferred companies.

Home insurance complaint record: The State Farm subsidiaries have a history of better annual home insurance complaint ratios than most of the Kemper Preferred companies.

You can check the State Farm complaint statistics in my State Farm Insurance complaints & ratings review here.

Farmers Insurance

Auto insurance complaint record: The majority of the many Farmers Insurance Group companies have a history of worse annual auto insurance complaint ratios than most of the Kemper Preferred companies.

Home insurance complaint record: The majority of the many Farmers Insurance Group companies have a history of worse annual home insurance complaint ratios than most of the Kemper Preferred companies.

You can check the Farmers complaint statistics in my Farmers Insurance complaints & ratings review here.

GEICO Insurance

Auto insurance complaint record: The GEICO companies have a history of better annual auto insurance complaint ratios, except for the worse-performing GEICO Casualty Company, than the Kemper Preferred companies.

You can check the GEICO complaint statistics in my GEICO Insurance complaints & ratings review here.

Progressive Insurance

Auto insurance complaint record: Most of the many Progressive Insurance Group companies have a history of better auto insurance complaint ratios than most of the Kemper Preferred companies.

You can check the Progressive complaint statistics in my Progressive Insurance complaints & ratings review here.

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