Kemper Insurance provides the basic coverage customers need for their possessions and their dwelling, whether it's customers primary residence or a vacation home. The policy covers the following - loss or damage to dwellings and the contents, personal liability for injury, damage to someone else's property, living expenses when customers home is damaged and medical payments for others injured at their property. Customers also have the option of receiving coverage for their home's contents at their replacement value. Customers can usually benefit from discounts if they have the following - Home-sprinkler systems, Fire and burglar alarms, Fire extinguishers, Smoke detectors and Dead-bolt locks.