Life insurance is something many people put off buying because they don’t think they will need it. The fact is, having it in place offers peace of mind and security for those who have it. Knowing when to buy a life insurance policy is just as important as purchasing the right type of policy. The agents at Kempton Insurance Group are proud to serve residents in Charlotte, NC, and nearby communities.
Starting a Family
One of the best times to buy a whole life policy is when you are first starting your family. This type of policy will provide for your family if the unthinkable occurs, and they are left to survive without your income. By buying your policy early, you know your family has everything they will need for the future. You can adjust the amount of your policy as your family grows or if your needs change.
When it comes to a term life insurance policy, the right time to purchase a policy is anytime! Term life policies are typically used to pay off final expenses or to eliminate any existing debt that may be left behind. The policy is set to pay out a specific amount, and the payments are spread out over a particular amount of time or term.
The agents of Kempton Insurance Group understand the importance of having the right type of life insurance policy. They are ready to explain the benefits of both whole and term life policies to all of their clients who live in Charlotte, NC. Call and set up an appointment to find out which policy will provide you with the benefits you need to care for your family.
If you’re pulled over in Charlotte, NC without insurance, the good news is that, if this is your first-time offense, and if there was no traffic accident involved, you’re not going to be facing any jail time over it. The bad news is that you are possibly going to be paying a fine.
What some drivers are hoping is that they’ll simply never be pulled over. This is unrealistic. Suppose that you follow every single traffic law to a T, you go exactly the speed limit, you always signal. Okay, what if your tail light goes out and a police officer pulls you over just to let you know? What if you drive through a checkpoint?
Sooner or later, you’re going to be pulled over. Maybe not for a moving violation, perhaps not for weaving across lanes, but for something, and when that happens, the officer is going to ask to see your license, registration, and proof of insurance as a matter of course.
If you have already been given a warning, or if you fail to pay your fine, you may wind up doing jail time for driving without insurance. In short, it’s simply not worth the risk. In the long run, driving without coverage is always going to cost you more than you might be expecting.
If you’re currently driving without insurance, or still shopping around in Charlotte, NC, get in touch with Kempton Insurance Group to see what they can do for you. You don’t want to drive without insurance, and Kempton Insurance Group can get you the protection that you need so that you can drive safely and legally.
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.
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:
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.
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!