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

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.

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.

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.

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.

The Charlotte, NC region continues to be a fast-growing part of the country. This can make it a great place to invest in real estate. If you are going to purchase a home here, a condo could be a good housing option as they offer amenities that are unmatched by other choices. If you do buy a condo, getting condo insurance is a necessity and it will include various types of coverage. 

Condo Insurance: Your Coverage Options

Liability Mitigation

One type of coverage that you will get when you invest in condo insurance is liability mitigation. There will always be a chance that an accident could occur in your unit that results in an injury to a guest or damage to another part of the larger building. In these cases, you could be held liable for any damages that arise. Fortunately, if you have a condo plan, you can mitigate this risk as it will include a liability insurance provision. 

Protection of Assets

If you invest in a condo insurance plan, you will also get coverage for your assets. Anyone that is going to invest in a condo will be making a major investment that they will want to have paid off in the future. At the same time, you will have plenty of personal items. If you are a victim of a fire, theft, or other incidents, you could lose these assets and investments. With a condo plan, you will get the coverage needed to offset this risk. 

Contact Us Today

Choosing a condo plan in the Charlotte, NC area is always going to be a big choice and decision. Once you are ready to start looking for coverage, it would be wise to call the Kempton Insurance Group. The professionals with the Kempton Insurance Group can help you build an ideal plan that will meet your needs. 

As a small business owner, you know that insurance is essential for protecting your business. But when it comes to choosing a policy, there are so many options and terms that it can be challenging to know where to start. In this post, we’ll dispel some of the most common misconceptions about commercial insurance so that you can make an informed decision about what’s best for your business.

1. Commercial Insurance Policies Are All the Same

While there are several standard commercial insurance options, each policy has different benefits and exclusions that can make a world of difference. For example, one policy may cover you for business interruption, while another won’t. One policy may cover certain types of damage to your property, while another won’t. One policy may cover certain types of liability suits, while another won’t.

2. I’ll Be Safe if I Do Everything by the Book

Whether you have employees or are a one-person shop, it’s essential to ask yourself if all of your bases are covered. Even if you have the best employees, accidents happen. If an uninsured accident occurs on your property and someone is injured, not only will you likely be liable for damages (pain and suffering, medical bills), but your business will also suffer. On the other hand, if you purchase coverage for this type of event, you’ll be protecting your self from financial disaster.

3. Commercial Insurance Is Expensive

While it’s true that more extensive policies will carry a more substantial fee, don’t let insurance prices scare you. There are ways of ensuring that your policy fits your needs without breaking the bank. For example, if you’re starting and can get by with minimal coverage, you can opt for a policy with lower premiums. Or, you can ask your agent to add endorsements to the policy to give it some extra perks without going over budget.

Commercial insurance policies are not all the same, and it’s important to choose your coverage wisely. If you want to ensure that your business is protected, Kempton Insurance Group in Charlotte, NC can help. We offer affordable commercial insurance options such as property, liability, general liability, and umbrella coverage. Give us a call today.

Kempton Insurance Group serves the Charlotte, NC community. We strive to ensure that our clients find the coverage they need to manage their risks. We offer unique policies that evolve with our clients as their lives change. We work with different carriers throughout the state. This allows us to find solutions regardless of our client’s individual needs. We are confident that we can help you stay protected as you head through life.

Common Motorcycle Insurance Variables To Look Over In Policies

Charlotte, NC provides multiple opportunities for you to explore the city on your motorcycle. Warm summer days are the ideal conditions you need to take a ride. Unfortunately, an accident can occur at any moment, especially in highly populated areas. Motorcycle insurance covers you as you ride around town. You are protected if your motorcycle is stolen or vandalized. Perhaps you are riding through the country and encounter a deer. Motorcycle insurance will cover you if you collide with a deer and damages occur. You can add comprehensive coverage to protect you if your motorcycle is stolen. Maybe you are riding and pass through inclement weather. You are covered if high winds cause swirling debris to crack your mirror.

Liability coverage protects you if you lose control of your motorcycle and damage someone’s property or injure someone. If you are riding with a passenger, liability coverage will take care of their injuries if you are involved in an accident. If you are planning to amend your motorcycle, you’ll need to add extra coverage. This is the only way to cover the custom parts on your motorcycle if it’s damaged or stolen.

Kempton Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.