Category: Insurance

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.

Living in a flood-prone area may necessitate acquiring extra insurance coverage. Consider the following guidelines to safeguard your interests while searching for a new house.

Flood Zones

Consult your realtor about the location of each potential home. If you’re considering purchasing a house in a low-lying area, be ready to invest in flood insurance.

Flood insurance coverage compensates the cost of restoring your house in case of flooding during your ownership.

Insurance Products

Explore flood insurance products that are beneficial to your situation. A flood insurance policy details the terms of the coverage offered. Living in a flood-prone area might necessitate significant flood protection.

Drainage and Upgrades

While searching for a house, inspect the land surrounding each potential residence. Pay attention to the landscape and the drainage system implemented on each lot.

If you opt to buy a house lacking necessary drainage facilities, seek professional advice regarding necessary upgrades.

Aboveground and underground drainage facilities can protect your house from severe flooding. Keep track of the costs related to securing each property with flood coverage. These considerations will help you choose a home within your budget.

Systematic Aid from Kempton Insurance Group

Contact our agents at Kempton Insurance Group to discuss flood insurance products. Our agents serving Charlotte, NC, will detail the flood insurance coverage and the level of protection you’ll receive.

Buying a condo can be exciting, especially if it’s your first place or you’ve wanted to move for a while. Before settling in, though, it’s important to ensure you have the right condo insurance to protect your belongings. If you’re in the Charlotte, NC, area, Kempton Insurance Group is here to help you get the right coverage for your needs. We can also help if you already have a policy and need to renew, review, or update it for a better fit.

Working with our dedicated agents is the right choice for all your condo coverage needs. These kinds of policies aren’t the same as standard homeowner’s insurance, as they require a different kind of policy with different limits. If you’ve lived in single-family homes before and aren’t used to condo living, our agents are here to answer all your questions. We can also provide quotes from multiple insurers so you can pick the policy that best fits your needs.

You’ll want to periodically review and update your policy, too, especially if you make significant changes to your condo. Most people have their agent review their policy when they renew it, but you don’t have to wait until it’s up for renewal if you have questions or need to make a change. You can get in touch with us anytime you need to make an update, and we’ll be happy to talk about your options.

Contact us today at Kempton Insurance Group if you’re in the Charlotte, NC, area and looking for a condo insurance policy. We can get the coverage you need to have increased peace of mind and the security you’re looking for.

You might think that commercial insurance is an unnecessary expense. However, two out of five businesses will need to take advantage of their insurance. It’s better to have commercial insurance and not need it than to need it and not have it. If you need to use your commercial insurance, filing a claim is easier than you think. 

Evidence and Police Report

You’ll need some photographic evidence immediately if there’s any physical damage. With cell phones’ ubiquity, this shouldn’t be a problem. If there was an auto accident, theft, vandalism, or burglary, you might need to make a police report. Get names and contact info from all witnesses. 

Report the Claim

You may contact your insurance agent either online or over the phone. Have all the information you need on hand, including when and where the accident occurred and the type of incident for which you’re filing a claim. An adjuster should be assigned to you within 24 to 48 hours. Once they have assessed the damage, you can get estimates for replacement or repairs. 

Settling the Claim

If your insurance company does not bill you, you must submit an invoice and receipt to the company. This is necessary for reimbursement for business insurance claims. You may be required to file a liability claim should anyone be injured. You will, of course, need to notify your attorney. 

Contact Kempton Insurance Group Serving Charlotte, NC

If you need commercial insurance and live in the Charlotte, NC area, don’t hesitate to contact Kempton Insurance Group. Our knowledgeable and courteous agents are dedicated to giving you the service you deserve.

So you never saw the sudden curve until it was way too late. Fortunately, you were able to walk away from this. Or at least limp or got carried off on a stretcher. You lived, but now you’ve got expenses. Damage to your bike, your medical bills, someone else’s medical bills, and property damage might fall on you. That’s what motorcycle insurance is for. 

First Things First

If you are in a motorcycle accident, determine if you’re injured. Move slowly and take your time with this. Don’t injure yourself further with sudden movements. Call 911 if you have to. Don’t assess your bike’s damage until you can get it to a safe place. And then get all the details. Take some photos and get the witness’s contact information. Contact your insurance agent as soon as you can.

Do You Need to File a Claim?

Could you be held liable for the accident? Does the cost of repairs outweigh your deductible? Was the other person uninsured or underinsured? Was anyone involved seriously injured? If the answer to any of these is "yes," then you need to file a claim. 

What Next?

Call your insurance agent. Have the information ready. Tell your side of the story. (Be honest.) Your claim will be assigned to an adjuster. The company will work up a report. If you have medical bills, the insurance company will help you deal with them. Your insurer will let you know what’s next.  

Contact Kempton Insurance Group in Charlotte, NC

If you live in the Charlotte, NC, area and need motorcycle insurance, please get in touch with Kempton Insurance Group. Our skilled and attentive agents will do all they can to get you all you need. 

 

The term Medigap does not refer to a government program. Still, the group of supplemental insurance policies that the owner of a Medicare policy can add to cover their medical care needs fully. That means that you can purchase a Medigap policy from Kempton Insurance Group. We serve Charlotte, NC, with the health insurance its residents need to protect their health and well-being. 

Building a Medicare Policy 

Individuals who qualify for Medicare can choose which parts (A, B, C, D) they want to receive. Part A is always free. For the other Parts, the insured pays a premium to receive. 

Medigap coverage refers to private insurance that does not come from the government that supplements Medicare coverage, filling in the areas that no part pays for, such as travel abroad for treatment and some experimental or developing treatments. Medicare coverage that comes free pays for hospitalization costs, and that’s it. You would need to pay for Part B to obtain insurance that covers doctor’s visits and wellness programs. Part D covers prescriptions, and the much later created Part C combines all three. 

Gaps in Coverage 

Medicare has always had gaps in coverage. Private health plans let you cover what Medicare does not – no matter how many parts of coverage you buy. But Kempton Insurance Group can help you locate and purchase insurance plans that cover your medical needs, such as transportation costs or out-of-state treatment. We can even help those with pre-existing conditions find an insurance policy that helps them better care for their health as they age. 

Contact Us Today to Learn More

Before you elect your Medicare coverage, contact our Charlotte, NC office. Let us conduct an insurance review that determines what coverage you most need before you choose your Medicare Parts. We can also help identify policy options that will help you meet likely needs as you age. Call or email us today. 

Living life on the road in an RV offers unparalleled freedom and adventure. Yet, along with this nomadic lifestyle comes the crucial need for adequate insurance coverage. At Kempton Insurance Group, serving Charlotte, NC, and the surrounding areas, we understand the unique challenges and opportunities that full-time RV living presents regarding insurance.

1. Understanding Nomadic Insurance Needs: Embrace the unique demands of full-time RV living. Recognize the necessity for adaptable insurance that accommodates your mobile lifestyle. Protect your RV, your personal belongings, and potential liabilities while constantly on the move.

2. Customizing Your Coverage: Tailor insurance to perfectly fit your RV lifestyle. Ensure comprehensive protection for your vehicle, personal possessions, and liabilities specific to life on the road. Craft a policy that offers peace of mind as you explore new horizons.

3. Navigating State-Specific Regulations: Journey confidently across varying state insurance laws. Stay compliant and informed as you travel by ensuring your coverage aligns with state-specific requirements, no matter where your adventures take you.

4. Embracing the Journey Confidently: Embrace the freedom of RV living without the burden of insurance worries. Access personalized coverage that secures your adventures, allowing you to explore worry-free and fully immerse yourself in the RV lifestyle.

5. Safety Nets for Uncharted Roads: Experience the open road without compromising on protection. Contact us to personalize your coverage, ensuring seamless and comprehensive insurance wherever your journey leads. Travel confidently, knowing you’re backed by insurance that caters to your nomadic lifestyle.

Experience the open road without compromising on insurance protection. Contact Kempton Insurance Group today, serving the Charlotte, NC, area, and customize your coverage to suit your nomadic lifestyle perfectly. Travel confidently, knowing you’re backed by tailored insurance wherever your adventures take you.

Kempton Insurance Group helps Charlotte, NC, cyclists get the high-quality policies they need to keep their bikes safe. If you’re planning a big trip soon and aren’t sure what might happen to your policy, contacting us to learn more about these issues is critical.

Coverage Needs Vary 

In the United States, 46 states and the District of Columbia require mandatory motorcycle insurance of some type. Only Florida, New Hampshire, Washington State, and Montana don’t require policy protection. As a result, you should already have insurance if you’re from North Carolina. 

When you’re traveling throughout the country, you need to make sure that you check all the requirements necessary for a state. Though you don’t need to change your policy to suit their needs, what other cyclists might have could impact what happens if you get into a crash with them.

Your Policy Should Remain Consistent 

The thing about your policy is that it should remain consistent, even when you travel outside of your home state. Any policy purchased in a state that requires motorcycle insurance will stay valid throughout the country. As a result, it can keep you safe from various issues. 

However, if you plan on traveling through any of the four states we previously mentioned, getting underinsured or uninsured cyclist insurance is a good idea. These policies protect you if other bikers don’t have insurance and ensure you get the support needed.

How We Can Help You 

When planning your big motorcycle trip from Charlotte, NC, make sure you contact us at Kempton Insurance Group to learn more about how we can help you. Our team of professionals is standing by to ensure you get the policy that makes the most sense for your needs.

Charlotte, NC boaters can enjoy a variety of water activities. North Carolina boaters are required to obtain and carry a North Carolina Boater Education certificate to operate a boat in the state. However, there are occurrences when more may be necessary or recommended. Our team at Kempton Insurance Group is committed to helping North Carolina boaters understand the boating laws and get coverage that meets their needs.     

What’s Required to Operate a Watercraft in North Carolina?

All boaters must acquire a Boaters Education Certificate to operate a watercraft. This law applies to all watercraft of 10 HP or more. However, boat insurance isn’t a legal requirement in North Carolina. Boaters may still have to invest in boat insurance if they’re financing their boat or want to use certain marinas. A lender usually requires boat insurance until the loan is paid in full. Also, some marinas may require insurance if an accident causes injuries to others or property damage. Boaters may also consider investing in boat insurance if the repair or damage to their boat would be financially challenging to manage out of pocket. 

I just finished paying off my boat. Do I still need boat insurance?

Although your boat’s paid in full and the lender no longer has a say in whether you carry boat insurance, you may want to consider keeping your boat insurance. Liability protection or coverage for the repair or replacement of your boat, if you’re in an accident, are viable reasons to keep the insurance. As stated above, you may also need insurance to dock at certain marinas as well. If you have questions regarding the benefits of boat insurance, call us. We’d be happy to explain boat insurance and all of your coverage options.