homeowners Complaint #IC-MOCPZ20G-41TRV6
Complaint Details
- Insurer: Kemper Insurance
- Insurance Type: homeowners
- Coverage Type: homeowners
- Reason: Premium increase
- State: Minnesota
- Date Filed: 2026-04-09
- Disposition: Settled
Complaint Summary
A policyholder in Minnesota reported an unexpected premium increase on their homeowners insurance policy with Kemper Insurance. The increase was perceived as unjustified given the policyholder's claim history and risk profile. The complaint, filed on 2026-04-09, requests a review of the rate increase and explanation of the actuarial basis. Status: Settled.
Risk Assessment
Risk Level: Low
This complaint involves a premium increase, which is typically a procedural or administrative issue. These matters are often resolved through direct communication with the insurer's customer service or complaints department. If initial efforts don't resolve the issue, escalating to a state DOI complaint is recommended.
What You Should Do
Premium increases must be actuarially justified and approved by your state insurance regulator. Request a written explanation for any increase. Compare quotes from other insurers — loyalty doesn't always mean the best rate. Ask about available discounts. If the increase seems discriminatory or unreasonable, file a complaint with your state DOI.
Understanding Homeowners Insurance Coverage
Homeowners insurance provides coverage for your dwelling structure, personal property, liability protection, additional living expenses if your home becomes uninhabitable, and medical payments for guests injured on your property. Standard policies typically exclude flood and earthquake damage, which require separate coverage.
State Regulatory Information
Minnesota Department of Commerce handles insurance complaints. File at mn.gov/commerce or call 1-651-539-1600.
Related Topics
- homeowners
- Premium increase
- homeowners insurance complaints
- Kemper Insurance complaints
- insurance complaints in Minnesota
- Premium increase homeowners insurance
Frequently Asked Questions
What should I do if Kemper Insurance denies my homeowners insurance claim?
If your claim is denied, request a detailed written explanation citing the specific policy provision. Review your policy carefully, gather supporting documentation, and file a formal appeal within the deadline stated in your denial letter. You can also file a complaint with the Minnesota Department of Insurance for an independent review.
How do I file a complaint against Kemper Insurance with my state insurance department?
Contact the Minnesota Department of Insurance through their website or consumer hotline. You will need your policy number, claim number, a description of the issue, and copies of relevant correspondence. Most states allow online complaint filing and will investigate within 30-60 days.
What is a homeowners insurance complaint ratio and what does it mean?
The complaint ratio (also called the NAIC Complaint Index) measures how many complaints an insurer receives relative to its market share. A ratio above 1.0 means the company receives more complaints than expected for its size. A ratio below 1.0 indicates fewer complaints than the industry average.
How long does Kemper Insurance have to respond to my homeowners insurance claim?
Most states require insurers to acknowledge claims within 15 days and make a coverage decision within 30-45 days. Prompt payment laws vary by state — Minnesota has specific statutory timeframes. If these deadlines are missed, you may have grounds for a bad faith complaint.
Can I sue Kemper Insurance for premium increase on my homeowners policy?
You may have legal options including filing a bad faith lawsuit if the insurer unreasonably denied, delayed, or underpaid your claim. Before litigation, exhaust the insurer's internal appeals process and file a complaint with your state DOI. Many attorneys offer free consultations for insurance disputes. Deadlines (statutes of limitation) vary by state.