If customers rent an apartment or home, they can get Kemper Renter Insurance coverage for the following - loss or damage to personal property, personal liability in case of injury to others or damage to someone else's property, additional living expenses when their apartment is damaged and medical expenses paid to others who are injured in their apartment or rented home. Customers can usually benefit from discounts if have the following - Home-sprinkler systems, Fire and burglar alarms, Fire extinguishers, Smoke detectors and Dead-bolt locks.