Tag: Charlotte NC

As a business owner, you have assets that need protection. Often, unexpected situations occur that can affect the operation of a business financially as well as in other ways. Some of these incidents may exceed the current maximum limits of an existing insurance policy. Kempton Insurance Group is committed to helping Charlotte, NC business owners protect themselves financially, legally, and more from the unexpected.   

What is Umbrella Insurance?

Umbrella insurance is backup insurance. If your existing insurance policy doesn’t fully cover an incident or event, umbrella insurance steps in to cover anything beyond the maximum coverage limits of your primary insurance. Umbrella insurance offers a wide variety of benefits and can sometimes act as primary insurance if your existing policy doesn’t have/offer a specific type of coverage. Personal liability coverage, as well as coverage for property damage, some lawsuits, and more, are provided by umbrella insurance. In short, umbrella insurance provides coverage and protection once your primary insurance has reached its maximum limits. It also covers losses not covered by your primary insurance policy. 

Do I need umbrella insurance?

Regardless of the size and scope of your business, you have assets to protect. As a result, umbrella insurance can be highly beneficial, regardless of the size of your business. Remember that umbrella insurance isn’t a separate insurance policy but rather a policy designed to complement and add to your existing policies. You must have primary insurance to obtain umbrella insurance. Accidents and unexpected incidents can occur at any given time, and your primary insurance policy may not adequately or fully cover an incident. Umbrella insurance can provide peace of mind for small businesses when a backup or umbrella policy supports the limits of their primary insurance policies. Umbrella insurance is designed to cover approved accidents and situations that exceed their primary insurance limits. If you have more questions about umbrella insurance, we’d like to help you explore the benefits. Call Kempton Insurance Group in Charlotte, NC. We’re standing by. 

When you are a homeowner, there are many things that you have to do to protect your home. One of the most important of these is to get the right insurance. You may have home insurance, but you’re not fully protected if you don’t have flood insurance. Many people don’t get flood insurance because they assume their home insurance will pay for the damage after a flood. However, home insurance doesn’t cover floods. If you don’t have flood insurance, you don’t have any flood protection. If you need flood insurance in Charlotte, NC, call us at Kempton Insurance Group to get started.

The National Flood Insurance Program

If you worry that a flood insurance policy may not be there for you after a severe flood, you don’t have to. When you have flood insurance through the National Flood Insurance Program, it’s government-supported and backed. It will be there if you have a flood, even if the flood is a severe one. This is solid coverage that will give you peace of mind. It protects you in the event of one of the most damaging types of disasters. When you need repairs or rebuilding because of a flood, the policy will be there to help.

Flooding and Flood Zones

Certain areas are labeled as flood zones. Many people believe that they don’t need flood insurance because they don’t live inside one of these. However, flooding can happen just about anywhere. About 20% of all flood claims come from properties that aren’t inside a flood zone. Everyone in North Carolina should have flood insurance just in case of an unexpected flood. 

Get Flood Insurance 

When you’re in Charlotte, NC and need a flood insurance policy, call us at Kempton Insurance Group to learn more and get started. 

If you’re buying a condo, you know it’s essential to have it insured. You might not know that you don’t need a standard homeowner’s policy. Instead, it would be best if you got condo insurance. If you’re in the Charlotte, NC area, Kempton Insurance Group is here to help you get the right coverage for your new space, so you can enjoy your condo and all it has to offer. We can take all the guesswork out of getting a policy, so you can have peace of mind, get your coverage, and move on to the next thing on the list.

Condo coverage differs from a homeowner’s policy because it protects the inside of your condo and all your personal items. Unlike a home policy, though, it doesn’t cover things like the outside of the building or the roof. Those aren’t areas that need coverage from condo owners because the condo association or building owners cover them. When you own a condo, you only own the space inside your unit, so that’s all you have to worry about protecting.

Still, you want to ensure you’re getting the right level of coverage for everything you have in your condo. That’s especially true if you have anything that’s out of the ordinary, such as family heirloom jewelry or a grand piano. The best way to ensure you’re getting the proper protection is to work with an agent who can give you information on all the options you can choose from. That way, you’ll be sure you’re getting what you need.

If you’re in the Charlotte, NC area and looking for condo insurance, contact us at Kempton Insurance Group. We can help you find the policy that meets your needs and works for your specific situation so that you can get more enjoyment from your condo.

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!

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.

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.