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

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Learn How To Keep Your Boat or Watercraft Safe From Storms, Thefts, and Accidents in Charlotte

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Owning a boat or watercraft in Charlotte, NC, means taking advantage of some of the area’s most popular lakes and waterways. Local boaters can stay safer when cruising along the waters of Lake Norman or Lake Wylie by following a few tips from the professionals at Kempton Insurance Group.

How To Keep Your Boat/Watercraft Safe

Secure Your Vessel Before Storms

Unpredictable weather can include sudden downpours of heavy rain with high winds that can damage boats, jet skis, and water toys that aren’t securely tied down. Minimize damage to your vessel by storing it in a covered or dry dock when not in use. If you don’t have covered storage, double-check mooring lines and use sturdy covers to shield your vessel from pounding rain.

Using Simple Safety Measures Can Help Prevent Theft

Boat theft is typically a crime of opportunity that happens when thieves find vessels left unsecured and unattended. Always store your boat or craft in a well-lit, safe, and secure area. Reduce the likelihood of theft by using high-quality steel locks and motion sensor alarms to deter thieves. Install GPS tracking devices to help quickly recover your vessel if it drifts off or is stolen.

Get Comprehensive Protection Solutions With Boat/Watercraft Insurance

Taking these measures is a great way to protect your boat or watercraft. Investing in boat/watercraft insurance can provide a comprehensive protection solution for your boats and water toys. This specialty insurance can help financially protect your vessel from various risks, including collisions, thefts, natural disasters, and personal liability.

Talk to the experts at Kempton Insurance Group, serving Charlotte NC, to learn more about how to secure your boat/watercraft.

Will Umbrella Insurance Cover Your Personal Property Damage?

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Umbrella insurance in Charlotte, NC is becoming increasingly popular. It can help protect your assets if you’re a high-net-worth individual. People with more assets are also more likely to face liability lawsuits, making this type of coverage essential. Even if you’re not considered high net worth, these policies can help you avoid going into debt.

How Does Umbrella Insurance Work?

Umbrella insurance functions as a secondary policy. First, the coverage limits of your existing policies are exhausted. For example, if you’re in a car accident and are at fault, your auto policy will cover damages and medical bills first. Then, if there’s still money owed, the umbrella policy can help cover the remaining costs. Agents at Kempton Insurance Group can help you learn more.

What About Personal Property?

Umbrella insurance does not cover your personal property. For example, in the same car accident, the umbrella policy would help pay for the other person’s bills and property damage, but not yours. It’s designed to work as liability coverage, which doesn’t extend to your belongings.

Personal Property Coverage

It’s crucial to ensure you have enough coverage for your belongings, as umbrella policies won’t provide sufficient protection. For home insurance, create an itemized list of the replacement costs for your household items and ensure you have adequate coverage. Make sure your auto policy provides enough coverage to replace your vehicle in the event of a total loss.

Ensuring you have enough coverage for your personal property is essential. Representatives at Kempton Insurance Group will work with you to ensure you’re financially secure. We offer various types of coverage and insurance policies. Contact us today to learn more. We’re currently serving the Charlotte, NC area.

Understanding FEMA Flood Zones and How They Affect Your Coverage Needs

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Flood risk varies significantly depending on location, and FEMA’s flood zone maps are one of the primary tools used to assess it. These maps not only help communities plan for potential flooding but also play a crucial role in determining insurance rates and whether flood coverage is required for your property.

Understanding FEMA Flood Zones

FEMA categorizes areas into different flood zones based on their likelihood of flooding. High-risk zones, labeled with letters like A or V, have at least a 1% annual chance of flooding, commonly referred to as the “100-year floodplain.” Moderate-to-low-risk zones, such as B, C, or X, have a lower statistical risk but are not entirely risk-free. Flooding can still occur in these areas due to heavy rain, poor drainage, or unexpected storms. Navigating these classifications can be complex, which is why your insurance agent at Kempton Insurance Group, serving Charlotte, NC, is here to assist you.

How Flood Zones Impact Insurance Requirements

If your home is located in a high-risk zone and you have a federally backed mortgage, flood insurance is typically mandatory. Lenders use FEMA maps to determine whether this requirement applies. For properties in lower-risk zones, flood insurance may not be required, but homeowners can still opt to purchase coverage—often at a more affordable premium.

Why Flood Risk Can Change Over Time

FEMA’s flood maps are not static; they are updated periodically based on new data, including rainfall patterns, storm frequency, and changes to local infrastructure. As a result, a property that was previously classified as low-risk could be reclassified into a high-risk zone, increasing both your risk level and insurance costs.

Understanding your flood zone helps you assess your true exposure and make informed decisions about coverage. Even in low-risk areas, purchasing a flood insurance policy can be a wise investment, as standard homeowners insurance does not cover flood damage. Regularly reviewing your zone status ensures you stay prepared as risks and maps evolve. Contact your insurance agent at Kempton Insurance Group, serving Charlotte, NC, today to learn more about flood insurance and how it can protect your property.

Do You Need Windstorm and Hail Insurance?

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As a business owner, one of your responsibilities is to secure commercial insurance to protect your company’s assets. Many business owners have questions about their commercial insurance options. If your business is in the Charlotte, NC area, our team at Kempton Insurance Group invites you to meet with us to get the commercial insurance answers you need. We’ve been serving commercial clients in your area since 2009.

Do You Need Windstorm and Hail Insurance?

Depending on your company’s location, your business may be vulnerable to damage from windstorms or hail. Many commercial property insurance policies don’t provide coverage for damages from windstorms or hail. When you talk to one of our agents at Kempton Insurance Group, they can discuss this insurance option with you and advise you of your perceived risk for windstorms or hail damage.

According to the North Carolina Office of Insurance, if your business property has been damaged, you should take pictures of the damaged areas to send to your insurance company. Make any possible repairs while you’re waiting for claim payment, so your business can continue operating as much as possible. However, the same website states that you shouldn’t make any permanent repairs until the insurance company’s evaluator has had an opportunity to inspect your property damage.

Contact Us Today for Your Appointment

Don’t leave your company’s financial future to chance. Business owners in the Charlotte, NC area can feel confident when visiting Kempton Insurance Group to learn about their insurance options. Each of our agents is dedicated to providing your company with excellent customer service and support. Call us today to schedule an appointment, and let’s secure the insurance options your company needs.

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