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Kempton Insurance Group

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


Insurance Blog

Documents you should always carry in your vehicle

As you drive your vehicle around the state of North Carolina from the coastal area of the Outer Banks to the Great Smokey Mountains in the west, you need to make sure you have the documents in your vehicle you need to be legal. At Kempton Insurance Group in Charlotte, NC, we stay up to date with our customers and are happy to ensure that everyone knows exactly what they need in their glove box before they hit the road. 

Vehicle inspection

Your vehicle needs to have an annual safety inspection before it can be registered. It must be done within 90 days of the expiration of the registration. You will not be able to register your vehicle until it is completed, and in 19 countries, it also must include an emissions test. 

Vehicle registration

Vehicles in North Carolina need to be registered every year. You can register online or in person at the DMV. This allows the state to keep track of all the previous vehicle owners and any liens since you must show the title to register the vehicle for the first time. 

Auto insurance card

When you get your insurance for the first time or your renewal, you will get a copy of the policy either online or through the mail. With the policy itself, you will have auto insurance cards that prove you have auto insurance. You should immediately bring one to place in the glove box with your registration. 

Driver’s license

To drive in North Carolina, you must have a driver’s license. Many people use it for identification and will not keep it in the vehicle, but it will be there when you are there. 

Call our office at Kempton Insurance Group in Charlotte, NC for any auto insurance needs. 

Here’s Why Mortgage Lenders Require Homeowners Insurance

If you take out a mortgage, you’ll likely have to take out homeowner’s insurance, as lenders typically require coverage. Of course, even if you’re buying a house without using a mortgage, it’s a wise idea to take out such a policy. After all, there’s a good reason why lenders insist on insurance. We’ll explain why, but if you have any further questions, visit Kempton Insurance Group, serving the greater Charlotte, NC metro area.

Why Homeowner’s Insurance is Necessary

For many families and individuals, a home is the most valuable asset they own. When it comes time to retire, many people sell their homes, downsize, and then use the extra cash to fund retirement. Homes have traditionally proven to be among the safer but more profitable investments.

A home is also very valuable to mortgage lenders. When you take out a mortgage, the house and land are used as collateral. If you stop making payments, the bank can take possession of the property. Then, they can sell the assets to recoup the money they lent you.

This means the mortgage lender has a vested interest in the home. Collateralized loans ultimately offer lower risks, so lenders will typically charge less in interest. Due to all of this, the lender will want to ensure that the home is protected in the event of a fire, severe storm, or other risks.

If a home is uninsured and then destroyed suddenly, the collateral is worth a lot less. The property owner might also decide to stop making payments. After all, the owner won’t even have a home anymore. This puts the lender at risk, and they may suffer losses.

Ultimately, home insurance can protect both homeowners and lenders. You can explore home insurance options by contacting the Kempton Insurance Group, which serves greater Charlotte, NC.

The Top 3 Benefits of Having Commercial Insurance

Running a business is stressful enough when operations are running smoothly. But what about when the unexpected happens? Our team at Kempton Insurance Group is here to help. Our commercial insurance products are designed to give business owners peace of mind and protection from financial loss associated with certain unforeseen events.

Here are the top three benefits of having commercial insurance:

1. Protection Against Property Damage and Loss

No one can predict whether or not their business will be affected by a natural disaster like a hurricane, tornado, or flood. Commercial insurance policies protect from property damage and property loss in the event of such disasters.

2. Liability Coverage for Your Business

Your business can be held liable for damages caused to a customer or third party due to your negligence. Commercial insurance policies provide coverage for legal fees and the cost of settlements in these cases, alleviating the financial burden.

3. Peace of Mind and Financial Security

Commercial insurance gives you peace of mind knowing your business is protected from potential liabilities and unexpected losses. Kempton Insurance Group serves several regions, including the Charlotte, NC area. We do our best to provide comprehensive coverage tailored to the needs of businesses of all sizes, so you can feel secure that your financial future is secure.

Reach Out To Us

To ensure you get the best commercial coverage for your business, it’s important to ask the right questions when meeting with an insurance agent. Ensure you understand the policy limits and coverage details so you can decide which plan best suits your needs.

At Kempton Insurance Group, we strive to provide Charlotte, NC businesses with reliable and effective commercial insurance policies to keep their operations running smoothly. Contact us today to learn more about the benefits of having commercial insurance and get started on protecting your business!

Motorcycle insurance FAQs

If you are a motorcyclist and looking to get insurance for your bike, you might have lots of questions.  Kempton Insurance Group is here to serve Charlotte, NC area bikers with all their insurance needs.

Here, we will answer some common questions that people have about motorcycle insurance.

Frequently asked questions about motorcycle insurance

What are the exclusions for motorcycle insurance?

The main things that motorcycle insurance doesn’t cover are accidents that occur from doing dangerous acts or participating in events. These types of acts include demolition contests, racing, stunts, riding on a racetrack, or preparing for any of those types of events.

How much insurance should I have on my motorcycle?

The amount that you need depends on your state’s requirements. The state of North Carolina requires at least 30,000 per person bodily injury liability, 60,000 per accident bodily injury liability, and 25,000 property damage liability.

Does motorcycle insurance cover dropping the bike?

It depends on the type of motorcycle insurance policy that you have. If you only have minimum liability coverage, it will not cover dropping your bike. If you have comprehensive and collision coverage, it will, but you might want to check the extent of the damage before deciding to file a claim. If there isn’t much damage, then you are better off paying for it out of your pocket. If the damage is more serious, then you might consider filing a claim.

Does credit score affect motorcycle insurance?

Yes, your credit score does affect motorcycle insurance. If you have poor credit, you might end up paying much higher premiums. To save money, many motorcyclists only get the minimum requirements, which might not be enough in the event of an accident. You would still have to pay out-of-pocket costs for damages to your bike and whatever injuries you sustain. If you were in an accident, this would add up very quickly.

Reach Out To Us

For more information, contact us at Kempton Insurance Group in Charlotte, NC.

Do You Need a Medicare Supplement Insurance Plan?

Medicare is a federal health insurance program that provides coverage for people over 65 and those with specific disabilities or illnesses. If you live in Charlotte, NC and are on Medicare, you may want to consider purchasing a supplemental insurance plan.

Here are some key points to consider when deciding if you need a Medicare supplement plan:

What is a Medicare Supplement Plan? 

A Medicare supplement plan (also known as Medigap) is an additional health insurance policy that helps cover costs such as copayments, coinsurance, and deductibles that Medicare doesn’t cover. A supplement plan can help fill in the gaps left by Medicare, so you don’t have to worry about footing large medical bills out of pocket. 

When Should You Consider Getting a Supplement Plan? 

Suppose your budget allows it and you want extra coverage for medical expenses not included under Medicare (such as vision care or hearing aids). In that case, getting a supplement plan may be worth considering. Furthermore, if you frequently travel outside the US, having a supplemental policy can be beneficial since original Medicare does not cover overseas medical expenses.      

Will It Cost Me Anything Extra? 

In general, having both original Medicare and a supplement plan will cost more than just having Medicare alone. It’s important to research different programs carefully to determine which one best fits your needs and budget before making any final decisions. Work with Kempton Insurance Group in Charlotte, NC to find the best plan for you and your needs.

Give Us A Call

If you have questions about whether getting a supplemental insurance policy is right for you, contact Kempton Insurance Group today! Our team of professional agents will help you find the right solution for your needs so that your peace of mind is always taken care of.

Three steps to choosing your RV insurance coverage

If you own an RV, you need to buy RV insurance coverage. Kempton Insurance Group provides RV insurance solutions to those who own an RV in Charlotte, NC. You’ll need to go through a few different steps to take out RV insurance.

The following are three steps to choosing your RV insurance coverage

Learn about the various types of RV insurance

You need to fully understand RV insurance before you choose a policy. RV insurance coverage types include property damage liability, bodily injury liability, collision, comprehensive, and uninsured and underinsured motorist coverage.

You’ll be required to purchase liability coverage. You may want to add other types of coverage such as collision coverage on to your policy to protect the value of your RV.

Get quotes from a few RV insurance providers

Before you purchase an RV insurance policy, you need to get a few quotes. Find insurance providers offering RV coverage in your area. 

Fortunately, insurance providers typically offer free quotes. A quote tells you how much an insurance policy will cost from a given provider along with what types of coverage that policy will include. 

Evaluate quotes and choose one of the policy options

You should compare coverage offerings and costs carefully among different providers. While you don’t want to automatically choose the policy that costs the least, you need to make sure that your RV insurance policy is affordable enough to fit into your budget. 

Once you choose a policy, you can purchase that policy and begin making premium payments. 

Get The Right Coverage Today

We’d love to come to your assistance when you’re ready to find an insurance solution for your RV in Charlotte, NC. At Kempton Insurance Group, we’ll provide you with a quote on a policy. Email or call us, and we’ll provide you with all the information you need to choose an RV insurance policy. 

Common Roadside Problems Motorcycle Riders Face

When you are out on the open road, there are several potential hazards that you may face. As a motorcycle rider, it is important to be aware of these dangers and take steps to avoid them. At Kempton Insurance Group in Charlotte, NC, we offer motorcycle riders the protection they need to stay safe on the road through our comprehensive motorcycle insurance policies.

The most common roadside problems that our policyholders face include:

Debris in The Road

Roads are constantly being used by vehicles of all sizes, which can cause debris to build up over time. This debris can range from small rocks and sticks to larger objects like construction materials or furniture. Even something as small as a pebble can cause serious damage to your motorcycle if it hits you at high speeds, so it is important to be on the lookout for any potential hazards on the road.


Potholes are another common hazard that riders face, especially in urban areas. These holes can range in size from small craters to large gaping holes that can cause serious damage to your motorcycle. Potholes are often caused by weathering and wear and tear on the road, so they can be challenging to avoid. If you hit a pothole, inspect your motorcycle for any damage that may occur.

Motorcycle Breakdowns

No one wants their motorcycle to break down, but it is a reality that all riders face at some point. Breakdowns can happen when you least expect them, whether a flat tire or a more serious engine issue. If your motorcycle does break down, be sure to have an insurance plan in place that will cover the cost of repairs or towing.

Get Coverage For Your Motorcycle Today

At Kempton Insurance Group in Charlotte, NC, we understand the unique risks that motorcycle riders face on the road. We offer comprehensive motorcycle insurance policies that can help you protect your investment and keep you safe on the road. For more information about our motorcycle insurance policies, contact us today.

Boat Insurance – Don’t Be on the Water Without It

Are you a boating enthusiast? Do you wait all winter to get out on the open water? If so, make sure you have boating insurance. Kempton Insurance Group serves the greater Charlotte, NC area.

As with auto insurance, boat insurance protects you financially from damage or injuries caused to others while boating.

Boat insurance covers many different types of crafts, including:

  • Fishing boats,
  • Personal watercraft (jet skis and WaveRunners)
  • Pontoon boats
  • Powerboats
  • Sailboats

You can purchase additional coverage, such as uninsured/underinsured boater coverage, which will provide more protection in the water. Boat insurance works the same as car insurance. If you damage your boat or cause damage or injury to someone else, you merely file a claim which asks them to pay for the damages. If it is a covered incident, they will pay up to the coverage limits.

  • Liability pays for damages or injuries to others
  • Physical damage coverage includes both collision and comprehensive coverage for damage from events not under your control, such as theft or weather. Coverage also extended to damage sustained in a collision with another boat or object, regardless of fault.
  • Uninsured or underinsured pays for your injuries if you are hit by someone with little or no insurance.

If you have physical damage coverage in your policy, it covers the hull, fittings, furnishings, motors, batteries, anchors, fuel tanks, and onboard safety equipment. A standard boat policy will usually cover spills and wreckage removal in the event your boat sinks.

Get The Right Coverage Today

Don’t let your summer fun be cut short by a boating incident that could likely cost you thousands. Purchase boating insurance to protect your fun and your family’s financial security. Contact the insurance professionals at Kempton Insurance Group in Charlotte, NC today for a quote or an answer to any questions you may have. You will be glad you did.

Do Rental Businesses Need Umbrella Insurance?

Rental businesses need umbrella insurance protection because you’ll need a higher level of liability protection if you have a rental company, such as jet skis, inflatable recreational boats, or go-karts. Umbrella insurance is designed to provide adequate liability coverage if someone is injured using your equipment on your property. It can mean the difference between a financial disaster and being covered.

Trust the team at Kempton Insurance Group serving Charlotte, NC to get you the insurance coverage you need. 

Umbrella Insurance Protection 

Umbrella insurance is extra liability coverage that kicks in after your current liability insurance limits and provides a maximum benefit. It’s perfect for situations where there’s a chance that any liability suit may exceed the limitations of regular liability provided by home or commercial insurance. If you aren’t sure how much coverage you need, the professionals at Kempton Insurance Group can help. 

Our agents can assess your current policy in place and match any additional coverage needs. They work closely with each customer to help them get the policy protection necessary to operate their business with peace of mind. We not only allow customers to choose the right policy, but we offer personalized services before, during, and after the policy purchase. We assist with policy adjustments, filing a claim, and more. 

Contact Us Today

Anyone looking for umbrella insurance protection today can reach out to Kempton Insurance Group serving Charlotte, NC to get the best options for their insurance needs. We look forward to serving the local community and helping them get the top products and services they need for all their insurance coverage requirements. Call or stop by today to speak to one of our friendly and knowledgeable representatives.

Why Everyone Needs Flood Insurance

When You want to keep your home well-protected, getting home insurance is just one part of that protection. However, home insurance does not cover many types of floods, and this can leave you vulnerable if you don’t have separate protection against them. With flood insurance, you will get that protection against the extreme amount of damage that can be done by flooding. To get your flood insurance policy, call us at Kempton Insurance Group in Charlotte, NC to get started. 

Who Should Have Flood Insurance?

There are many areas that are designated high-risk zones for flooding. These areas may be low-lying and tend to attract floodwaters, or they may be close to a body of water that has a tendency to flood every once in a while. While it’s important to have flood insurance if you are in one of these high-risk zones, it’s also important to have flood insurance if you aren’t. About one in every five flood claims after a flood come from areas that are not in high-risk zones. That makes it important to have this protection even if your area is at low risk for flooding. Flooding can be extremely expensive and cause untold damage to a house, even destroying a home. No one should be without protection against this risk. 

The National Flood Insurance Program

Flood insurance in the U.S. is sponsored and backed by the National Flood Insurance Program, a government program that guarantees coverage. The NFIP recommends that everyone should have flood insurance in case of one of these disasters. They set the pricing for this coverage, so it isn’t necessary to have to shop around for a good price on it, as the price is always the same. 

Get Your Flood Coverage

When you’re ready to get a flood insurance policy, give us a call at Kempton Insurance Group in Charlotte, NC.

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