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Kempton Insurance Group

7427 Matthews Mint Hill Rd
Suite 105-356
Charlotte, NC 28227

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Universal Life Insurance Policies

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Everyone faces critical financial decisions, and one of the most significant is determining whether to need life insurance. Life insurance is designed to provide financial support for your family after you pass away. If you live near Charlotte, NC, our team at Kempton Insurance Group encourages you to contact us to discuss your insurance options. We’ve been serving clients like you since 2009.

Understanding Universal Life Insurance Policies

There are several types of life insurance policies available, and universal life insurance is one option worth considering. According to NerdWallet, universal life insurance is a type of permanent insurance that builds cash value over time. These policies typically terminate at a specific age, as outlined in the policy guidelines. However, as noted by the North Carolina Department of Insurance, universal policies require ongoing attention and adjustments—they’re not the type of policy you can “set and forget.”

As you age, you may need to adjust your premium payments. While your policy’s cash value accrues interest, part of your premium is used to pay for the insurance itself. During periods of low interest rates or returns, your policy’s cash value can decrease or even lapse. To avoid this, it’s essential to review the Annual Statement provided by your insurance company, which details your policy’s current value.

Contact Us for Your Appointment

As an independent agency, we offer access to a wide range of insurance carriers, giving you the flexibility to choose the best option for your needs. At Kempton Insurance Group, we operate as an online agency, enabling all transactions to be conveniently handled through our computer system. Clients in the Charlotte, NC area trust us for reliable insurance solutions and exceptional customer service. Call us today to schedule an appointment, and let’s find the right life insurance policy for you.

North Carolina Auto Insurance: Key Terms Every Driver Should Understand

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As an auto insurance seeker in Charlotte, NC, it’s important to familiarize yourself with a few key terms. This knowledge will help you get the coverage you need while also ensuring that you’re getting affordable premiums. At Kempton Insurance Group, we’re here to guide you through the entire process.

Key Terms for Coverage

When you get coverage for your vehicle, you’ll need to meet the state minimums. However, knowing all of the terms that can offer coverage will ensure you’re protected to the fullest.

Bodily Injury Liability: Provides coverage in the event that someone gets injured.

Property Liability: Provides coverage for your property or the property of others if something gets damaged.

Collision: You are covered if you get into any kind of collision, whether it’s with a vehicle, a guard rail, or even a mailbox.

Comprehensive: This covers against anything that isn’t your fault, including things outside of your control, such as hail damage, a rock to the windshield, or a shopping cart hitting your car in a parking lot.

Key Terms for Creating Your Custom Policy

Your custom policy needs to be built based on the kind of vehicle you drive, how many miles you drive, and even where you park your vehicle when it’s not in use.

One of the main terms you need to consider is "deductible." This will be the amount you pay out of pocket after filing a claim before the insurance company pays.

Another term to be aware of is "claim." This is when you report an accident to the insurance company to identify that you need their help with financial compensation.

Talk to Our Knowledgeable Insurance Agents

There’s no need to get confused about the terms or get a policy that you can’t depend on. Our agents at Kempton Insurance Group can talk to you about the many coverage options. We’ll guide you through the process to ensure you have a custom policy that focuses on your needs.

We can get multiple quotes, too, so you can be sure you’re not paying more than necessary on premiums.

Contact us today to let us help you with a policy around the Charlotte, NC area.

Do You Need Windstorm and Hail Insurance?

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As a business owner, one of your responsibilities is to secure commercial insurance to protect your company’s assets. Many business owners have questions about their commercial insurance options. If your business is in the Charlotte, NC area, our team at Kempton Insurance Group invites you to meet with us to get the commercial insurance answers you need. We’ve been serving commercial clients in your area since 2009.

Do You Need Windstorm and Hail Insurance?

Depending on your company’s location, your business may be vulnerable to damage from windstorms or hail. Many commercial property insurance policies don’t provide coverage for damages from windstorms or hail. When you talk to one of our agents at Kempton Insurance Group, they can discuss this insurance option with you and advise you of your perceived risk for windstorms or hail damage.

According to the North Carolina Office of Insurance, if your business property has been damaged, you should take pictures of the damaged areas to send to your insurance company. Make any possible repairs while you’re waiting for claim payment, so your business can continue operating as much as possible. However, the same website states that you shouldn’t make any permanent repairs until the insurance company’s evaluator has had an opportunity to inspect your property damage.

Contact Us Today for Your Appointment

Don’t leave your company’s financial future to chance. Business owners in the Charlotte, NC area can feel confident when visiting Kempton Insurance Group to learn about their insurance options. Each of our agents is dedicated to providing your company with excellent customer service and support. Call us today to schedule an appointment, and let’s secure the insurance options your company needs.

Which Businesses Need to Have Cyber Insurance?

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If your business uses a computer network, you most likely need cyber insurance. An increasing number of businesses need this type of commercial insurance, and because businesses face so many types of cyber risks, it’s never a good idea to go without it. To learn more about cyber insurance and get started, contact us at Kempton Insurance Group in Charlotte, NC.

Understanding Computer Networks

Most businesses these days operate on a computer. Computer networks are used to perform a multitude of tasks in a typical business, including storing data. That data is likely the personal data from your employees as well as information about customers and other important information. These records have to be kept somewhere, but they may be vulnerable to attacks. An increasing number of businesses fall prey to scammers and hackers who try to steal that information and sell it. For the sake of your employees and customers, it’s important to have cyber insurance just in case a data breach does happen.

The Importance of Cyber Insurance

Virtually every computer is susceptible to being attacked. It can be hacked through several means, and the information your company needs will be stolen or even erased. Some companies have their data stolen and held for ransom. When you have cyber insurance, it can pay to get you back to where you were before the data breach. It can help with the problems that come from having a data breach.

Securing Cyber Insurance in North Carolina

If your business uses computers in any capacity, it may be time to get cyber insurance. Call Kempton Insurance Group in Charlotte, NC, today to get started with a policy.

How Insurance Covers Passengers and Other Riders on Your Bike

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Riding a motorcycle offers a sense of freedom, but safety and protection become paramount when you have a passenger on the back. Many riders assume their insurance automatically covers a passenger in the event of an accident, but that’s not always the case. At Kempton Insurance Group, serving the greater Charlotte, NC region, we aim to help motorcyclists understand the specifics of their insurance coverage when they have a passenger.

Deciphering Passenger Coverage in Motorcycle Insurance

A standard motorcycle insurance policy typically includes liability coverage, which helps pay for damages if you’re at fault in an accident. However, this may not always extend to injuries sustained by a passenger. Some policies require additional coverage to protect anyone riding with you. Medical payments coverage or guest passenger liability can help cover medical expenses for your passenger if they’re injured in an accident, regardless of who was at fault.

Handling Accidents Involving Passengers

If you’re involved in an accident and your passenger is injured, the last thing you want to worry about is whether your insurance will cover their medical bills. You and your passenger could face significant out-of-pocket expenses without the right coverage. Adding the proper protections to your policy ensures that medical costs, lost wages, and other expenses are taken care of, giving both you and your passenger peace of mind.

Ensure Comprehensive Protection with Motorcycle Insurance

Motorcycle insurance isn’t just about protecting your bike—it’s about protecting everyone on it. Kempton Insurance Group, serving the Charlotte, NC region, can help you find the right coverage to protect your passengers every time they ride with you. Contact us today to review your policy and ride with confidence.

Common Medicare Coverage Gaps And How Supplemental Insurance Can Help

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Medicare is known for making medical coverage more affordable for people needing assistance. However, Medicare is also known for having several gaps in coverage. For example, some plans may not provide extensive vision coverage. Supplemental insurance plans from companies like Kempton Insurance Group can help fill the gap. 

Understanding Medicare

Medicare has several plans available, each covering different things. Plan A often covers hospital stays, some home health care, and nursing home care. Plan B covers office visits, medical supplies, and preventative care. Part C covers Parts A and B and may provide additional benefits. Part D only covers prescriptions. 

Coverage Gaps

These standard plans do not cover several areas. For example, none of them include dental and vision. Plan A often covers the minimum and may have a coverage gap regarding long-term care. Individuals in Charlotte NC, who don’t get sick often may not want Part D, but they will have to pay out of pocket for prescriptions. 

Medigap Plan

Private insurance companies provide Medigap plans to help provide coverage. They may cover deductibles for Medicare plans. Many also provide additional benefits like vision, dental, and prescription coverage. Various types of Medigap plans are available to ensure you get the coverage you need. 

Supplemental Plans

Many insurance companies in Charlotte NC, also offer supplemental plans to supplement your coverage. For example, a provider may have plans that cover only vision or dental. People can choose which supplemental plan they want based on their personal needs. Many insurance companies also provide prescription coverage or prescription discount cards. 

Contact Kempton Insurance Group

Learning about Medicare can be confusing, and ensuring coverage can be challenging. The agents at Kempton Insurance Group can help you receive proper coverage. Contact us today to learn more. 

How Do RV Insurance And Auto Insurance Differ?

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RVs are large motor vehicles that require many of the same insurance elements as cars. However, they also require some insurance elements similar to homes, so working with an agent who will tailor the coverage to your needs is essential. Our Kempton Insurance Group team provides RV insurance coverage for many Charlotte, NC area customers, and we hope to provide you with our outstanding service.

Comparing RV and Auto Insurance

North Carolina law requires motorized RVs (Class A, B, and C RVs) to carry the minimum liability insurance coverage equal to an automobile. These requirements include:

  • $30,000 per person of bodily injury liability and $60,000 per accident
  • $25,000 per accident of property liability

RV owners commonly carry extra bodily injury liability coverage because RVs carry more people than typical cars, and they cause more damage than cars when an accident occurs. Having higher liability coverage protects owners in the event of an accident.

RVs also need insurance that resembles parts of home insurance policies, including coverage such as:

  • Vacation Liability, which covers bodily injury and property damage for people in and around your parked RV
  • Personal Property and Attachments cover your clothing, appliances, electronics, and other household items in and around your RV
  • Homeowners Association Fees, which pays charges for damages to HOA common areas
  • Roadside Assistance, since few auto roadside assistance plans cover vehicles as large as an RV
  • Temporary Lodging, which pays for living expenses if your RV needs repairs while you are on the road

Insuring Your RV With Kempton Insurance Group

The team at Kempton Insurance Group serves clients in the Charlotte, NC area. We look forward to helping you obtain RV and other coverage that works for you. Call (888) 285-6660 or stop by the office today.

Does Motorcycle Insurance Cover Riding Gear, Such as Helmets?

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When you’re gearing up for a ride, your safety equipment is as crucial as the motorcycle itself. At Kempton Insurance Group in Charlotte, NC, we understand that your helmet and riding gear are investments in your safety. But does your motorcycle insurance cover these essential items?

Understanding Your Coverage

Motorcycle insurance typically focuses on liability, collision, and comprehensive coverage. While these aspects are essential, they often don’t automatically cover personal riding gear like helmets, jackets, or gloves. However, some policies offer optional gear coverage, which is worth considering if you want peace of mind on the road.

Optional Gear Coverage

Adding gear coverage to your policy can protect you financially if your equipment is damaged in an accident. This coverage can reimburse you for the cost of repairing or replacing your gear up to a certain limit. It’s a small addition to your premium that can make a huge difference in ensuring you’re fully protected.

Why It Matters

Riding gear is not just an accessory; it’s a vital part of your safety routine. Helmets, for instance, are designed to absorb impact and protect your head, significantly reducing the risk of serious injury. Ensuring your gear is covered means you won’t have to compromise on safety due to financial constraints.

Make the Right Choice

At Kempton Insurance Group in Charlotte, NC, we recommend reviewing your policy to see if gear coverage fits your needs. Our team is here to help you navigate your options and ensure you have comprehensive coverage that prioritizes your safety. Reach out to us today, and let’s customize a policy that keeps you and your gear protected every mile of the journey.

Insurance Coverage for Extended Outings on A Watercraft

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Boat Insurance: Preparing for Long Excursions

Participating in a long excursion on a private watercraft could prompt you to buy more boat insurance. Consider the risks involved with your next boat trip, then seek guidance about having your boat insurance policy modified.

Understanding Basic Coverage

If you currently carry a basic boat insurance policy that provides liability coverage, you will be protected against unforeseen boat accidents if you are found at fault. This type of coverage will protect you legally but will not protect you in the event that your boat is damaged due to no fault of your own.

Uninsured Coverage

Uninsured coverage will protect your boat if you are involved in an accident that was not your fault. If an uninsured boat operator damages your boat with their personal watercraft, the uninsured coverage you have access to will reimburse you for out-of-pocket costs you incur when you have your boat repaired.

Collision Coverage

Spending time on the open water for a longer duration may increase your chance of being involved in a collision. Collision insurance will protect your personal watercraft from body damage.

Personal Possession Coverage

Your navigational aids, furnishings, and watercraft could become damaged by the weather. Carrying personal possession coverage will alleviate any out-of-pocket costs you are responsible for if you are faced with inclement weather. Seek boat insurance coverage for any of the items you rely on when you take your boat out on the water.

Insurance Agent Assistance

An agent from the Kempton Insurance Group will upgrade your boat insurance policy. Contact one of our agents who serve Charlotte, NC. Convey information about the upcoming boat outing that you plan on taking. The agent will suggest boat insurance coverage that will protect you during the extended outing.

What is the value of getting an umbrella insurance plan in North Carolina?

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Residents of Charlotte, North Carolina, need to consider liability risks seriously. Irrespective of individual precautions, there always remains the chance of causing an accident that injures another party or results in damages. Insurance is crucial to protect yourself from these situations. A great solution is acquiring an umbrella insurance plan, which offers various forms of value.

Be Prepared for the Unexpected

An excellent reason to have umbrella insurance is to be prepared for unexpected circumstances. Individuals face many potential liability risks daily. Since preparing for these risks individually can be challenging, having a general liability insurance plan is beneficial. With umbrella coverage, you are effectively prepared for any unexpected situation.

Enjoy Additional Financial Protection

If you own a home or a car, you will likely already have some liability insurance in place. However, these policies have their limits. The damages could exceed these limits if you are involved in a substantial accident and deemed at fault. In such a situation, your umbrella policy comes into effect, providing necessary coverage.

Obtaining an umbrella plan is a prudent decision for those in the Charlotte, North Carolina, area. When searching for a new policy in this region, consider reaching out to Kempton Insurance Group. Our team understands the value of umbrella coverage and can provide the guidance needed to craft a new plan. This can help ensure you are suitably covered to manage your personal liability risks.

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