Year 2

Kemper·Products & Services·7 segments·Rolls up to Percentage payout of incurred claims, year two

Breakdown

Segment	Q4 '21	Q4 '22	Q4 '23	Q4 '24	Q4 '25
Specialty Personal Automobile Insurance—Physical Damage	100.8%	100.9%	100%	100%	100%
Homeowners	94%	92.2%	92.6%	92.4%	93%
Specialty Personal Automobile Insurance—Liability	79.3%	79.1%	78.5%	77.8%	77%
Preferred Personal Automobile Insurance—Liability	64.6%	62.3%	61%	60.6%	62%
Commercial Automobile Insurance—Liability	60.7%	58.5%	54.8%	52.1%	46.6%
Total	—	—	—	—	—

Commercial Automobile Insurance—LiabilityView metric

Commercial Automobile Insurance—Physical DamageView metric

Preferred Personal Automobile Insurance—LiabilityView metric

Preferred Personal Automobile Insurance—Physical DamageView metric

Specialty Personal Automobile Insurance—LiabilityView metric

Specialty Personal Automobile Insurance—Physical DamageView metric