had kemper insurance, ie unitrim and ascension, I guess they are combined. had them for years and my rates went up all the time, I had no claims, finally I cancelled them , they ended up sending me 2 bills which I paid. I went with a different company and cancelled unitrim. They kept all the money I paid saying they charge a short term penalty. They are not allowed to charge a penalty on the home but when I called them I got different answers from the agents. They couldn't explain it. Just goes to show you to stay away from kemper, unitrim and ascension cause obviously the agents don't know their jobs! I had them less than a month and they charged me 162.08 when the total for both vehicles was appx 1000 for the whole year

Monetary Loss: $162.

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