Agent Portal: Kemper Prime: Condo

• Can add a joint owner to the residence.

• Extends coverage to additional residences rented to others.

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

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)

• 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.

• 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.

• 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.

View Endorsement

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

• 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

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.

• 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.

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.

• Covers the back up of sewers and drains. Up to $50,000.

View Endorsement

• Covers golf carts used on the premises.
• Collision is optional.
• $500 deductible applies.

• Extends liability to other locations occupied by the insured.

• Extends coverage to other members in the household not directly related to the insured.

• 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.

• 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.

• 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.

• Provides coverage for a trustee.

• 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.
• Jewelry–Broad 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.

View Endorsement

• Increases the covered perils for personal property.

• Covers a student away from home.
• Must be under the age of 24 and a relative of the named insured.

• Can be added up to $50,000.

• Broadens coverage A to cover additional perils.

• Covers the personal property and liability if the unit is rented to others.

View Endorsement

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

• The earlier the quote from the effective date, the larger the discount that is applied.

• Applies to current Kemper employees and Active/Retired military members.

• Must have purchased home in the last 12 months.

• 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.

• 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.

• Available if you have more than one policy with Kemper.

• Available if you choose to have documents emailed.

• Must meet the impact resistance testing criteria.

• Can add a joint owner to the residence.

• Extends coverage to additional residences rented to others.

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

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)

• 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.

View Endorsement

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

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.

• 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.

• Covers the back up of sewers and drains. Up to $50,000. ($10,000 included in Enhanced policy)

View Endorsement

• Covers golf carts used on the premises.
• Collision is optional.
• $500 deductible applies.

• Extends liability to other locations occupied by the insured.

• Extends coverage to other members in the household not directly related to the insured.

• 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.

• 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.

• 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.

• Provides coverage for a trustee.

• 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.
• Jewelry–Broad 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.

• Covers a student away from home.
• Must be under the age of 24 and a relative of the named insured.

• Broadens coverage A to cover additional perils.

• Covers the personal property and liability if the unit is rented to others.

• The earlier the quote from the effective date, the larger the discount that is applied.

• Applies to current Kemper employees and Active/Retired military members.

• Must have purchased home in the last 12 months.

• 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.

• 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.

• Available if you have more than one policy with Kemper.

• Available if you choose to have documents emailed.

• Must meet the impact resistance testing criteria.

• Can add a joint owner to the residence.

• Extends coverage to additional residences rented to others.

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

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)

• 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.

View Endorsement

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

• 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

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.

• 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.

• Covers the back up of sewers and drains. Up to $75,000. ($25,000 included in Elite policy)

View Endorsement

• Covers golf carts used on the premises.
• Collision is optional.
• $500 deductible applies.

• Extends liability to other locations occupied by the insured.

• Extends coverage to other members in the household not directly related to the insured.

• 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.

• 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.

• 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.

• Provides coverage for a trustee.

• 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.
• Jewelry–Broad 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.

• Covers a student away from home.
• Must be under the age of 24 and a relative of the named insured.

• Broadens coverage A to cover additional perils.

• Covers the personal property and liability if the unit is rented to others.

• The earlier the quote from the effective date, the larger the discount that is applied.

• Applies to current Kemper employees and Active/Retired military members.

• Must have purchased home in the last 12 months.

• 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.

• 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.

• Available if you have more than one policy with Kemper.

• Available if you choose to have documents emailed.

• Must meet the impact resistance testing criteria.