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Kempton Insurance Group

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


Insurance Blog

What First Time Homeowners Need to Know About Homeowner’s Insurance

Congratulations on your step into homeownership! Between preparations to move and home showings, your homeowner’s insurance policy is probably something you don’t give much thought to. Since it’s something you’ll pay for every year, however, it’s essential to know how homeowner’s insurance coverage works. At Kempton Insurance Group, we’re here to help new homeowners in Charlotte, NC protect their investment. 

Why do you need homeowner’s insurance?

Mortgage lenders almost always require homeowners to secure insurance on their new property. These policies cover two main areas: your home and the property inside of it (dwelling coverage) and coverage if someone else is injured while on your property  (liability coverage).

How is a homeowner’s insurance policy constructed? 

Every homeowner’s policy has two sections: Section I covers your home while Section II provides liability coverage. These two sections are then broken up into six different titles, labeled A through F. Titles A—D covers your home, other structures, and your personal property. Titles E and F include injuries to others and helps pay for medical expenses.

Factors that determine your premium 

How much you’ll pay for homeowner’s insurance depends on several factors. New homeowners in Charlotte, NC may see their insurance premiums differ depending on where their new home is located. Urban and rural areas may have higher premiums for a variety of reasons, such as the chance of crime and the ability for first response teams to access the home. Home age and construction are also factors in determining homeowner’s insurance premiums. 

 Our team at the Kempton Insurance Group wants to make sure new homeowners in Charlotte, NC have their home covered with a proper insurance policy. Visit or call our office to see what type of homeowner’s insurance policy is right for you. 

The Most Common Business Insurance Claims

When it comes to your business, protecting it from disasters and crime are two of the main reasons you will want to take business insurance. Your business is an investment and your livelihood so it makes sense to have an insurance policy that will cover any loss you may incur in the future but what are the most common business insurance claims? Here is a list of the top four claims businesses file each year:

Customer Injuries

Your customers are your number one priority for your business and if one of them slips and falls on your property or is injured in some other manner while visiting your office, store, or shop, you will want to make sure they are covered on your business insurance policy. About 10 percent of business insurance claims each year are related to customer injuries.

Water Damage

Hurricane season in North Carolina can be brutal and water damage can occur. Your business insurance policy should cover damages caused by heavy rains, high winds, and flooding.

Losses Due to Fire

When it comes to your business, protecting it from a fire should be a high priority. If your business suffers a fire, you will need to get it back up and running as soon as possible and your business insurance policy will be instrumental in making that happen.

Burglary and Theft

Whether a theft occurs from an outsider on a bad employee, you will want to have this coverage in place before an incident occurs to protect your investment.

The insurance specialists at the Kempton Insurance Group in Charlotte NC, can assist you with all of your business insurance needs. Call for an appointment today!

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