If a fire started in your home or a natural disaster occurred today, would you be able to replace everything you lost? For many hard-working people, the answer is no. That’s why contents/fire insurance is one of the smartest and most affordable ways to protect the things you’ve worked hard for.
According to the U.S. Fire Association, “In 2023, there were an estimated 344,600 residential building fires in the U.S." [1] And it’s estimated that "natural disasters caused US$368 billion in economic losses worldwide in 2024, with 60% of these damages uninsured, according to Aon’s newly released 2025 Climate and Catastrophe Insight report." [2]With these statistics, who wouldn’t safeguard their valuables?
Whether you rent or own your home, your belongings matter—and replacing them after a disaster can cost thousands. If you have questions about contents/fire insurance, here are some answers:
Contents/fire insurance is inexpensive coverage that helps you replace your personal belongings, like your TV, laptop, clothes, furniture, or appliances, if they’re damaged or destroyed. It covers the valuables inside your home, not the walls or building structure. This kind of insurance can also help if you must leave your home after a disaster and need money to stay somewhere else.
It’s strongly recommended. Here’s a scenario: Tiffany, a single mom renting an apartment, came home to find her building on fire. The fire didn’t start in her unit, but ruined her sofa, clothes, her son’s game console, her laptop and more. Without content/fire insurance, she would’ve had to start over from scratch, spending money she didn’t have.
But because Tiffany had contents/fire insurance, she got help replacing her things and even received a benefit to cover living expenses while she and her son stayed in a hotel. It gave her peace of mind when she needed it most. Who’s to say that won’t happen to you. It’s better to be safe than sorry.
Unless otherwise excluded, policies cover the following named perils:
That means the things you use, and value are protected—even if the unexpected happens.
A quick home inventory helps. Walk through your home and list what you own: TVs, furniture, appliances, clothing, electronics, etc., then estimate what it would cost to replace them. You might be surprised how fast it all adds up. Then talk to your insurance agent who can help you choose the right amount of coverage for your budget.
You’d be surprised by how affordable it is. It’s worth it if paying out-of-pocket to replace your belongings would be a struggle. For as little as $1 a day*, you can get protection, peace of mind, and help when you need it most from a Kemper Life contents/fire policy.
Protect what matters. Kemper Life contents/fire insurance, can help protect the life you’ve worked so hard to build.
Find your local Kemper Life agent today and get covered.
*As little as $1/day depends on location, coverage, and policy options. Contact a Kemper Life agent to learn more
Sources:
[1] https://www.usfa.fema.gov/statistics/?utm_Kemper Life is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues.
This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal, or estate planning professional.”
*All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products. Please contact your agent or nearest district office for more information.