Companies ยท NAIC 10914
Kemper Independence Insurance Company: complaint record
Kemper Independence Insurance Company (NAIC company code 10914) appears in public complaint data from the insurance regulators in Texas and New York. In Texas homeowners insurance in 2025, it had 4 confirmed complaints and 176 policies in force, a complaint index of 178.77 (more confirmed complaints than the market average for its size) from a small base, so read it with care. In New York's auto insurance complaint rankings for complaints closed in 2024 it was ranked 115 of 128 (rank 1 has the fewest upheld complaints for its premiums), with 4 upheld complaints and 0.21 upheld complaints per million dollars of premiums.
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 178.77 | 4 | 176 |
| 2024 | 33.49 | 6 | 2,218 |
Compare with other homeowners insurers in Texas
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2024 | Kemper Independence Insurance Company | 115 of 128 | 0.21 | 4 | 0 | 6 | $19.05m |
| 2023 | Kemper Independence Insurance Company | 109 of 124 | 0.12 | 3 | 0 | 9 | $24.64m |
| 2022 | Kemper Independence Insurance Company | 118 of 132 | 0.21 | 6 | 2 | 13 | $28.51m |
| 2021 | Kemper Independence Insurance Company | 113 of 135 | 0.09 | 3 | 2 | 9 | $32.60m |
| 2020 | Kemper Independence Insurance Company | 108 of 135 | 0.08 | 3 | 4 | 12 | $39.99m |
| 2019 | Kemper Independence Insurance Company | 123 of 139 | 0.10 | 5 | 3 | 6 | $49.34m |
| 2018 | Kemper Independence Insurance Company | 118 of 151 | 0.04 | 2 | 2 | 6 | $54.99m |
| 2017 | Kemper Independence Insurance Company | 119 of 159 | 0.05 | 3 | 7 | 6 | $57.17m |
| 2014 | Kemper Independence Insurance Company | 89 of 169 | 0.03 | 2 | 5 | 15 | $61.51m |
| 2013 | Kemper Independence Insurance Company | 91 of 171 | 0.02 | 1 | 5 | 9 | $65.83m |
| 2012 | Kemper Independence Insurance Company | 95 of 172 | 0.02 | 1 | 3 | 9 | $62.62m |
| 2011 | Kemper Independence Insurance Company | 1 of 169 | 0.00 | 0 | 10 | 4 | $56.00m |
| 2010 | Kemper Independence Insurance Company | 2 of 179 | 0.00 | 0 | 8 | 8 | $52.08m |
| 2009 | Kemper Independence Insurance Company | 72 of 181 | 0.02 | 1 | 6 | 11 | $47.89m |
See the full New York list for complaints closed in 2024
How to read the Texas complaint index
The Texas Department of Insurance divides a company's share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00. Below 1 means fewer confirmed complaints than average for the company's size, above 1 means more. For small companies one or two complaints can move the index a lot, so ranking tables here include only companies with at least 10,000 policies.
How to read the New York ranking
The Department of Financial Services ranks auto insurers by upheld complaints per million dollars of premiums over a two-year period. A complaint is upheld when DFS agrees with the consumer that the insurer made an inappropriate decision. DFS notes that "only one or two additional upheld complaints per year can have a significant impact on a smaller insurer" and that because every auto insurer is ranked, "some must be at the bottom of each year's list even if every company is performing well." The ranking includes only complaints received by DFS.
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- New York State Department of Financial Services, Automobile Insurance Company Complaint Rankings: Beginning 2009 (dataset h2wd-9xfe), data.ny.gov
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.