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!
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.