We have used Kemper for both home and auto for almost 10 years. We use an agent locally, (so not Kemper Direct) but have been happy with them. We've had a few claims, a couple of minor car things, and our house was struck by lightning last year and fried all our electronics, the claims have been dealt with pretty quickly and with not too much trouble. Based on our experience thus far, I'd recommend them. Good luck!