United Casualty of America Insurance

United Casualty of America is a renters insurance company in Florida.

Based in Chesterfield, MO. In Florida since 1979. Owned by Kemper Corporation.

Taking some new policies

Sells only small contents and fire policies through Kemper Life agents. They do not sell home insurance.

Florida company code 01314, NAIC 11142.

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Policies in force

7,565

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A- (Excellent)

From AM Best, as of Oct 15, 2026

Complaints

1 complaint in 2025 (NAIC, nationwide)

NAIC, 2025, nationwide, homeowners

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

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A United Casualty of America agent can only quote United Casualty of America. An independent agent checks 80+ companies for you at every renewal. It's a 5 minute call.

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What's changed recently

Is United Casualty leaving Florida? No. Their Kemper Life contents and fire plans had 7,565 Florida policies on July 31, 2026, and no exit notice was found. As of Nov 2, 2026. Source: kemper.com.

  1. AM Best affirms ratings of Kemper and their units

    AM Best affirmed the credit ratings of Kemper Corporation. This took in their affiliates and subsidiaries. It came up in a search for this company. It was not read to see if it names United Casualty or their rating.

  2. AM Best affirms ratings of Kemper and their units

    AM Best affirmed the credit ratings of Kemper Corporation. This took in their affiliates and subsidiaries. The release was not read. So it is not known if United Casualty is listed, or at what rating.

  3. Kemper exits preferred home and auto, Kemper Life stays

    Kemper said they would stop selling preferred home and auto under the Kemper Personal Insurance brand. Kemper Life was not part of the exit. They are the likely seller of this company's Florida plan.

See every United Casualty of America update

Rate history

No rate filings tracked yet.

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47 years in Florida

In Florida since 1979. Has paid claims through 26 hurricanes.

1980198519901995200020052010201520202025David (1979, Category 2 at Florida landfall)David Cat 2Elena (1985, Category 3 at Florida landfall)Elena Cat 3Kate (1985, Category 2 at Florida landfall)Kate Cat 2Floyd (1987, Category 1 at Florida landfall)Floyd Cat 1Andrew (1992, Category 5 at Florida landfall)Andrew Cat 5Erin (1995, Category 2 at Florida landfall)Erin Cat 2Opal (1995, Category 3 at Florida landfall)Opal Cat 3Earl (1998, Category 1 at Florida landfall)Earl Cat 1Georges (1998, Category 2 at Florida landfall)Georges Cat 2Irene (1999, Category 1 at Florida landfall)Irene Cat 1Charley (2004, Category 4 at Florida landfall)Charley Cat 4Frances (2004, Category 2 at Florida landfall)Frances Cat 2Ivan (2004)IvanJeanne (2004, Category 3 at Florida landfall)Jeanne Cat 3Dennis (2005, Category 3 at Florida landfall)Dennis Cat 3Wilma (2005, Category 3 at Florida landfall)Wilma Cat 3Matthew (2016)MatthewIrma (2017, Category 4 at Florida landfall)Irma Cat 4Michael (2018, Category 5 at Florida landfall)Michael Cat 5Ian (2022, Category 4 at Florida landfall)Ian Cat 4Nicole (2022, Category 1 at Florida landfall)Nicole Cat 1Idalia (2023, Category 3 at Florida landfall)Idalia Cat 3Debby (2024, Category 1 at Florida landfall)Debby Cat 1Helene (2024, Category 4 at Florida landfall)Helene Cat 4Milton (2024, Category 3 at Florida landfall)Milton Cat 3Isaías (2026, Category 2 at Florida landfall)Isaías Cat 2

Compare United Casualty of America side by side

United Casualty of America side by side with State Farm and Universal Property
United Casualty of America State Farm Universal Property
New policies Taking some new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026
Florida policies 7,565 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A- (Excellent) AM Best, Oct 15, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1979 1934 1997

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Questions people ask about United Casualty of America

What does United Casualty Insurance Company of America cover in Florida?Small contents and fire plans that Kemper Life agents sell.

Kemper names United Casualty as one of the firms behind it. Kemper calls this coverage Contents/Fire Protection. It is not full home insurance.

Source: Kemper Fire/Contents Protection page, read Oct 10, 2026

Who owns United Casualty Insurance Company of America?Kemper Corporation owns them.

Kemper's product page lists United Casualty. They are one of the property firms behind Kemper Life coverage. The page lists their home office in Chesterfield, Missouri.

Source: Kemper Fire/Contents Protection page, read Oct 10, 2026

How do I file a United Casualty claim?Use the Kemper Life claims option on kemper.com, which handles Kemper Life, accident and health and fire policy claims online.

For help, call Kemper Life customer service at 800-777-8467.

Source: Kemper claims page, read Oct 10, 2026

Is United Casualty admitted in Florida?Yes.

OIR lists United Casualty Insurance Company of America with a Florida certificate of authority. They have held it since May 4, 1979. Their NAIC code is 11142 and their OIR code is 01314.

Source: OIR company search, read Oct 10, 2026

What is the Kemper Life customer service number?Call 800-777-8467, the Kemper Life customer service line.

Kemper says the quickest help comes from your Kemper Life agent or district office. Use the Contact Your Local Agency link on their site to find one.

Source: Kemper, Kemper Life Customer Service, read 2026-10-22

How do I pay my United Casualty bill?Kemper Life agents sell United Casualty fire and contents plans.

Kemper's pay page says Kemper Life customers should pay through their agent or contact Kemper Life. The quick pay box on that page is only for Kemper Auto and Kemper Personal plans.

Source: Kemper Make a Payment page, read 2026-10-21

Still deciding? Let us shop your United Casualty of America renewal.

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United Casualty of America reviews and complaints: what the public data shows

United Casualty of America rating

A- (Excellent) from AM Best, as of Oct 15, 2026.

Complaints
1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 1979 (47 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.