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Kempton Insurance Group

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

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Questions to ask when buying boat insurance for the first time

Buying boat insurance is not always a straightforward process, especially if you’re doing it for the first time. However, you need to get the right amount of insurance to stay safe in the water, whether you do it for pleasure, sports, or other reasons. Some marinas at Charlotte, NC may require you to have boat insurance to allow you to dock with them.

Your lender may also require you to get boat insurance to safeguard their investment when buying a boat. That’s why Kempton Insurance Group recommends learning about your policy by asking the following questions.

Do I need boat insurance for my boat?

Nobody will arrest you for not having boat insurance in Charlotte NC. However, it’s always a prudent idea to be financially responsible in case you cause an accident. You may be eligible for a boat endorsement on your home insurance policy if you own a small boat. Large motorized boats require specialized insurance based on your lifestyle and type of boat.

Can boating experience affect my policy?

Yes. Like car insurance, boating insurance companies check your boating experience to rate your risk level and determine your insurance rates. The lesser your experience, the more expensive your policy gets. You should prove to your insurer that you can safely handle and navigate a vessel without much hassle.

Is my personal property covered?

Yes. You can have special personal property coverage if you keep lots of valuables in your boat to protect them. Most water sport enthusiasts who have to take their sporting equipment with them purchase this policy to help replace their personal property when damaged by water or stolen.

The more questions you ask, the better you understand your policy. At Kempton Insurance Group, we encourage our customers to ask any questions they might have to address and clear all doubts about any policy. Feel free to contact us for more questions or information.

3 things you didn’t know about umbrella insurance

Umbrella insurance was designed to provide an extra layer of liability protection on top of primary policies like home and auto insurance. Lawsuits in Charlotte, NC can be pretty expensive. They can easily lead to significant financial losses if you are not adequately prepared. Here are three things you probably don’t know about umbrella insurance. 

1. Not ALL lawsuits are covered

While umbrella insurance mainly works on liability, not all lawsuits are covered. Once your home or auto insurance limits have been reached, Umbrella insurance can come in and take care of the rest. However,  the policy may not cover you if the act was found to be intentional or criminal. That means acts such as sexual harassment, intentional bodily harm, property damage or damage and injuries that result from too much intoxication are not covered. Umbrella insurance is designed to protect you from lawsuits that result from accidents, not malicious acts.

2. Some dog breeds are NOT covered

Dog bites are quite common in Charlotte NC but pretty expensive to treat. It’s even worse if you’re sued.  Fortunately, umbrella insurance can cover dog bites, BUT not all breeds are covered. Be sure to ask any Kempton Insurance Group about the breeds covered to know if your pet is covered or not.

3. Certain risk factors can impact your coverage

The most attractive part of umbrella insurance is a liability. Some people are at a higher risk of getting slapped with a lawsuit than others. Remember, you can be sued for many reasons, including injuries, property damage, threats or giving wrong information, false advertisements, and many other reasons. Depending on your risk level and type, you may want to buy umbrella insurance if you are a landlord, own dogs, travel regularly, own a swimming pool, gym, or trampoline,  or entertain visitors more often.

At Kempton Insurance Group, we care about you and what matters to you most. That’s why we go out of our way to ensure you get an insurance policy that will protect your assets and loved ones. Feel free to call or visit us today!

Does Flood Insurance Cover Plumbing Failures?

Some people get confused about their flood insurance policy and think that they need to utilize it when their plumbing suddenly fails in their homes. However, when our customers call us at Kempton Insurance Group about this issue, they often find that they can’t get covered. If you live in or near Charlotte, NC and are confused about this situation, please learn more about your protection.

What Flood Insurance Does and Does Not Cover 

Flood insurance is designed specifically for natural disasters, such as excessive rainfall caused by sudden storms or winter melts. However, these floods can cause problems as diverse as mold throughout your carpets and various other factors that can be damaging and hard to overcome. 

Unfortunately, it will NOT cover plumbing failures, such as if your pipes suddenly fail on you for any reason. That said, your homeowner’s insurance policy WILL cover this type of damage. The failure must not have been caused by poor maintenance, neglect, or natural wear and tear issues. 

So if you own a home and experience a sudden failure of your plumbing system due to manufacturing failure or other issues that you don’t cause, talk to your home insurance company. As for your flood insurance, you’ll only need it in rainy seasons or when your home is affected by water from outside the house. 

Don’t Neglect Your Flood Protection 

If you are worried about plumbing-related issues causing floods in your home, make sure to check your home insurance policy. And if you live in an area with high flood risk and you’re worried about an unnaturally high level of water, it is a good idea to consider calling us at Kempton Insurance Group. We serve Charlotte, NC and can provide high-quality policies that will work for your needs.

How Condo Insurance Protects You

Owning a condo is a great way to own your own home without all of the maintenance of a yard. If you have a condo, it’s vital that you keep condo insurance from the time you buy your unit and keep it for as long as you live there. If you want to find out more about condo coverage, contact us at Kempton Insurance Group in Charlotte, NC.

Protect Your Condo

When you have a condo insurance policy, part of this protection is coverage for the building itself. However, it doesn’t cover the entire building. The portion of the building that you own is spelled out very specifically in your contract. Those are the portions of the building that you need to insure. This generally means that you insure the inside and the condo board insures the outside. Your condo policy will include only the exact areas that you own and are responsible for. 

Cover Your Belongings

All of your belongings that are inside your condo are also covered by your condo policy. If your possessions were to be ruined by a disaster, calamity or accident, it can all be covered by your condo insurance policy. When you move into your condo, it’s a good idea to go around your home and film or take pictures of the items you own. This will help you to prove what was inside it if the worst happened. 

Liability Coverage

Another portion of your condo policy is the section that is devoted to protecting your liability. If a third party were to visit your condo and then become injured inside it, you can be judged liable for the accident and the medical costs. This insurance pays that amount for you.

Cover Your Condo

If you don’t have condo insurance yet, contact us at Kempton Insurance Group in Charlotte, NC.

How Much Life Insurance Do I Need?

What do you want to leave behind for your family? That is the question that many people ask themselves when they are deciding how much life insurance to purchase. If the answer is "a lot," you should focus on buying enough life insurance coverage.

If you’re wondering how much life insurance you need, Kempton Insurance Group in Charlotte, NC has put together this guide for you. To figure out how much life insurance you need, take into consideration these factors:

Income: Income is the number one factor to determine how much life insurance you need. If your income does not change, you will likely be fine with a smaller coverage because there are fewer needs for it in that situation (i.e., funeral costs). However, if your income changes often or drastically from year to year, more protection may be needed when determining life insurance amounts.

Debt: If you have a lot of debt, there may be more need for life insurance to pay off the debts and provide money for your family in case something happens to you before they can get back on their own feet financially.

Dependents: If you have children, the more dependent they are on your income, then higher life insurance would be appropriate.

Your situation: If you’re single with no kids, a lower level of coverage may suffice depending on how much wealth and assets you own.

Health: Your health status will determine how much life insurance you need. If you have a chronic condition that could affect your ability to work, then you would want more coverage than if you were in perfect health with no special needs.

Get Adequate Life Insurance Today

Many families spend time trying to save money on their funeral and end up putting off purchasing life insurance until it’s too late. This is a huge mistake because, without adequate coverage, your family may not have enough money for expenses like housing or education after you pass away.

For more information about life insurance coverage in Charlotte, NC, contact Kempton Insurance Group.

4 Auto Insurance Add-ons You Should Consider

When you purchase your auto insurance in Charlotte, NC, you expect it to protect you against most of the perils you encounter during your car ownership journey. Unfortunately, this isn’t always the case. Auto insurance is broad, and therefore, you need to consider options that suit you. In light of this, Kempton Insurance Group shares add-ons that you can consider to boost your auto insurance plan. 

Roadside assistance

While breakdowns are part of the car ownership journey, they sting more when they happen away from home. Fortunately, when you have roadside assistance coverage, your insurer tows you to the nearest garage for repair. Besides, you also get services like gas delivery, battery jumpstarting, puncture repair, and other roadside repairs when your car stalls. If you are a person who spends most of the time on the road, consider purchasing this coverage.

Zero depreciation

When you claim damages to your car, the insurance company normally factors in the depreciation factor when repairing your car. If the difference is significant, you will be hit with a severe out-of-pocket liability, messing with your finances. However, when you have the depreciation coverage, you are adequately covered despite depreciation. 

Return to invoice

When your car is totaled or stolen, your insurer compensates you against the insured declared value (IDV), which is your car’s current market value minus depreciation. However, when you have purchased return to invoice coverage, your insurer compensates you for the equivalent of the market value of your car model. This coverage is ideal if you live in theft-prone areas and your car is bought locally and is less than three years old. 

Engine coverage

When your engine is damaged during an accident, your current auto insurance should cover the repair or replacement costs. However, your engine isn’t covered if damage results from other perils like rain or flood. Engine protect covers repairs of your engine when damaged by water ingression and oil leak.

Would you like to boost your current auto insurance? Please talk to Kempton Insurance Group of Charlotte, NC to help you maximize your auto insurance.

Is your North Carolina home ready for Spring?

Residents and homeowners in the Charlotte, NC area are anxiously awaiting Spring! Now is the perfect time to prepare your house for warmer weather. Here at Kempton Insurance Group, we are proud to serve the insurance needs of homeowners and renters in our community. If it’s time to review or upgrade your policy, or if you are planning to buy a new home, we are here to help! Spring is a beautiful time of year for our area, and now is the time to prepare for the warmer weather!

Tips for preparing your home for Spring

  • Remove branches close to your home — any loose branches or other debris can cause damage to your home during storms or times of high winds.
  • Prepare patios, decks, and other outside areas — make sure that your outside areas are in good shape; make any necessary repairs.
  • Inspect roof and gutters — make sure that your home is ready for heavy rain and storms. Clogged gutters can cause damage to both your roof and your home’s foundation. 

Want to learn more about keeping your home safe? Now is a great time to learn more about home insurance policy options. A comprehensive home insurance policy can provide the coverage necessary to give you and your family the peace of mind that comes with knowing that your home is protected. Why not learn more about your options today?

Contact us today!

Insurance is a key part of responsible homeownership. It’s important to know the options that are available to you. The team at Kempton Insurance Group is here to guide residents in the greater Charlotte, NC area with their insurance needs. If you need home insurance or would like to review your current policy for completeness, call or stop by today!

Is Commercial Auto Insurance Required in North Carolina?

Is Commercial Auto Insurance Required in North Carolina?

It is required under North Carolina law that minimum liability insurance be maintained for commercial vehicles. Bodily injury and property damage are types of coverage needed for commercial vehicles. Getting the right types of coverage is crucial to operating safely and legally on North Carolina roadways. It is a good idea to trust professional insurance agents who know commercial auto insurance inside and out.

At Kempton Insurance Group in Charlotte, NC, we can help you understand what kind of insurance you need for commercial vehicles. We have years of experience working with all kinds of insurance for commercial and other types of vehicles.

Benefits of Commercial Auto Insurance

Staying properly covered with adequate insurance is not only necessary by law, but recommended for personal protection. Minimum liability is effective for some instances, but higher limits will ensure that your business is protected especially if you own many vehicles. Vehicle types may require more coverage as well. A specialized agent can help walk you through requirements and amounts on insurance coverage. Collision and comprehensive insurance can offer more protection for additional costs. If you own a lot of vehicles, it may be good to consider more options.

Quality Automotive Insurance in Charlotte

Contact us at Kempton Insurance Group in Charlotte, NC to speak with an agent about commercial auto insurance in North Carolina. We have years of collective experience and have helped many individuals and businesses with quality commercial auto insurance. We will work hard to get you the best rates and most effective personalized coverage possible. Our agents are here to help you with any questions you may have.

What to Look for in Motorcycle Insurance

If you own a bike, you know that it comes with its share of responsibilities. You may have greater freedom on the road, but you also have an obligation to protect yourself and others against accidents. Motorcycle insurance from Kempton Insurance Group offers all the protection you need. Here’s what you should look for when purchasing a motorcycle policy in Charlotte, NC.

Liability Coverage

Liability insurance is the coverage that protects others in accidents you cause. If you’re at fault for a road accident that sends someone to the hospital or leaves their vehicle a wreck, liability insurance helps cover their medical or property damage costs. North Carolina requires that you carry minimum motorcycle liability insurance. However, if you’re an avid rider, you may want to purchase more to safeguard your travels in Charlotte, NC, and beyond.  

Collision Coverage

Collision insurance protects you against crashes into other vehicles or objects. If, for example, you lose control of your bike on a slippery road and crash into a tree, collision insurance will help cover repairs to your bike. If your bike is totaled in a crash, collision insurance helps cover the cost of replacing it.

Comprehensive Coverage

This insurance covers damage to your bike from non-collision causes like hail, windstorms, falling objects, vandalism, fire, etc. It also protects you against theft.

Uninsured Motorist (UM) Coverage

UM coverage will cover these costs if you’re hit by someone with no insurance or insufficient insurance to pay for your bike’s repairs.

Roadside Assistance

You never know when your bike will falter and leave you stranded by the side of the road. This coverage helps pay for jump-starting your bike or towing it to a nearby shop so you can get repairs done.

For quality motorcycle coverage at affordable costs, call or visit your Kempton Insurance Group agent today.  

Medicare Supplement Insurance Plan Options in North Carolina

In some cases, it helps to have insurance professionals, such as the professionals at Kempton Insurance Group in Charlotte, NC, give you advice on policy enrollment. If you enroll in Medicare, several costs are not covered by the program. To cover these costs, many people see the value in paying for a Medicare Supplement Insurance Plan option, otherwise known as a Medigap insurance policy.

These plans are sold to people by private insurers; however, they are also under strict governmental control on the federal and state levels. These plans are available to people enrolled in Medicare Parts A and B and are not for those who have chosen a Medicare Advantage Plan.

As of 2010, there are 10 Medigap plan options; they are designated by A, B, C, D, F, G, K, L, M, and N. C and F pay the deductible for Part B, which covers outpatient services, such as doctors’ visits. F covers the 15 percent in extra charges that doctors who aren’t participants in the program can charge, and C does not. However, C and F are not available to people who have just become eligible for the program. Plan G is very similar to Plan F, and Plan D is the closest option to Plan C so that these individuals can look into these alternatives.

As long as the plan has the same letter, in North Carolina, the plans do not vary based on the insurer; there is a degree of standardization in these plans.

If you are interested in learning about your Medicare Supplement Insurance Plan Options in Charlotte, NC, you should feel free to contact the professionals at Kempton Insurance Group. They will be able to tell you which option is best for you.

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