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Kempton Insurance Group

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

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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. 

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