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Kempton Insurance Group

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

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Types of Life Insurance

It’s important for many people to have life insurance to help those who are left behind. If you are thinking about life insurance, there are two main types that you can choose from. If you want to know more about life insurance, call us at Kempton Insurance Group in Charlotte, NC. 

Life Insurance: What You Need To Know

Whole Life Insurance

Whole life is a type of insurance that you can keep for the rest of your life. As long as you continue to pay your premiums, this insurance will stay in effect. This is especially helpful as you get older and getting a new policy could be extremely expensive. With whole life, the premiums tend to be a bit higher than with other insurance, but many people like that the insurance company can’t cancel the policy unless you stop paying for it. With this type of policy, you also get a cash value for your insurance that builds up over time. That’s money that you can borrow against if you need to. This can be highly useful if you ever have a financial emergency and need access to money.

Term Life Insurance

With this type of insurance, it is good for only the amount of years in the term. The policy outlines how many years the policy is good for, and you continue paying for that amount of time. After that, the policy is canceled. If you want to be insured after that, you have to apply for a new policy. Many people like this kind of insurance because it tends to be less expensive than a whole life policy. 

Contact Us Today

Whether you are interested in a whole life or a term policy, it’s important to have life insurance in place for your loved ones. To get started, call us at Kempton Insurance Group in Charlotte, NC.

My Car is in Storage. Do I Still Need Auto Insurance?

Legally, you don’t need car insurance if your vehicle is in storage and it isn’t driven. But does that mean you don’t need insurance? There are several reasons you won’t be driving your vehicle anytime soon. Perhaps, you are going for an extended vacation, recovering from an injury, or you just don’t want to use your car.

You might consider dropping your auto insurance when your car is in storage. But is this a smart thing to do? Kempton Insurance Group of Charlotte, NC has seen and heard it all when it comes to car insurance.

Here are some reasons why you still need your car insurance:

Some risks don’t go on holiday

Yes, your car is not on the road, so the risk of crashing into another vehicle doesn’t exist. However, risks like fire, theft, and natural disasters never have an off-season. That said, ensure your car has comprehensive coverage to protect it against non-collision threats.

It may still be required

If you have a car loan, your lender expects you to maintain car insurance all year through. Canceling your car insurance may be a violation of your loan agreement with the lender.

Creates gaps in your policy

Canceling your car insurance may put you in the category of a high-risk policyholder. This may lead to higher premiums when renewing your policy in the future.

Canceling your auto insurance when your vehicle is in storage can be a financial blunder. Risks might happen that may eat into the small savings you are making by not paying the premiums. The best thing to do is maintain your car insurance but suspend coverage options that you may not need. For instance, collision and liability policies won’t be required when your car isn’t being driven, but comprehensive coverage is a must-have.

Car insurance in Charlotte, NC

Want to learn more about car insurance? Feel free to contact Kempton Insurance Group for all your car insurance needs.

Choosing a Home Insurance Policy in Charlotte NC

When shopping for home insurance in Charlotte, NC, it’s essential to compare policies and prices from multiple insurers. But with so many options available, how do you know which one is right for you? An insurance agent at Kempton Insurance Group has relationships with different insurers and can help you find the one that best meets your needs. Here are a few things to consider when choosing a home insurance policy in Charlotte.

Choosing a Home Insurance Policy

Types of Coverage

The first thing to consider is what type of coverage you need. Most home insurance policies offer protection against damage from fire, wind, hail, and other natural disasters. But you may also want to consider adding coverage for flooding or earthquakes if you live in an area prone to these disasters. You should also make sure your policy covers belongings such as furniture, clothing, and electronics.

Deductibles and Limits

Your home insurance policy will have a deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in. The higher your deductible, the lower your premiums will be. But you’ll want to make sure you can afford to pay the deductible if you need to file a claim.

Your policy will also limit the maximum amount your insurer will payout for a covered claim. If you have expensive belongings or live in a high-risk area, consider increasing your policy’s limits.

Premiums

The cost of your home insurance policy will depend on various factors, including the value of your home, your deductible, and the type of coverage you choose. Be sure to compare premiums from different insurers to find the best deal.

If you’re looking for home insurance in Charlotte, NC, contact Kempton Insurance Group today.

Common Misconceptions About Commercial Insurance

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.

Common Motorcycle Insurance Variables To Look Over Policies

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.

What is Medicare Supplement Insurance?

For those who are new to Medicare supplement insurance, you’re in the right place. Today we’re going to discuss what Medicare supplement insurance is, how it can help, and if you should consider it for your own insurance coverage. 

The staff at Kempton Insurance group is very knowledgeable and experienced in dealing with medicare supplement insurance and we’re happy to help residents of Charlotte, NC with any questions or concerns. 

Similar to any other insurance plan, healthcare insurance plans often have gaps in coverage. These vary from plan to plan, but they can be substantial for some people, causing out-of-pocket costs to increase. 

Because Medicare plans often have gaps in coverage, supplement insurance helps to ensure that more of your medical bills are covered to save you money. If you’ve seen the gaps in your healthcare coverage and it’s made you worry about how you would pay for medical bills, Medicare supplement insurance is a great option for you. 

There are some things this type of insurance won’t cover, however. These include eye care, dental care, and a few other specific types of care. However, our agents can help you find a dental and eye care plan that works for your needs. 

Healthcare can be a financial burden on many families – don’t let it control your life. Supplemental insurance is a great way to protect yourself and your family. It also provides peace of mind should you ever need medical attention, it won’t devastate your financial situation.

The team at Kempton Insurance Group is here to help Charlotte, NC residents and their families any way we can. We know health insurance can be overwhelming, so we’re here to provide our guidance and support. Contact us today! 

How RV Insurance Works

When you own an RV, you need to have it insured for your own protection. It’s legally mandated to have RV insurance when you own an RV, but even if it weren’t, it’s smart to get this coverage. If you have an RV and need to get it covered by an insurance policy, call us now at Kempton Insurance Group in Charlotte, NC.

RV Coverage

If you ever drive your RV, it has to have liability insurance just as a car or truck would. There are minimum coverage amounts required by the state, and you can add to that if you want better coverage than the minimum. RV insurance is a little different from auto insurance, however. The insurance covers not only the vehicle portion of the RV but also the living section. There is generally coverage for your belongings that are inside the living area, and you can add coverage for any equipment that you keep in your RV. 

The Cost of RV Insurance

Like auto insurance, the cost of this insurance is partially dependent on your driving history, your age, etc. There are also the state minimums of coverage, the make and model of your RV and its year. Another factor in the cost is the class of your RV. They come in Class A, B and C, with the classifications dependent on the size and design of the RV. From small campers to 75-foot motor coaches, all RVs fit into a classification. Make sure that you know how yours is classified so that you can tell your insurance agent. Another cost factor is the deductible that you choose. 

Get Your RV Insurance

If you have an RV, always keep it covered by RV insurance. If you don’t yet have a policy, call us today at Kempton Insurance Group in Charlotte, NC. 

4 Benefits Of Motorcycle Insurance

Kempton Insurance Group serves the Charlotte, NC community. For over 10 years, we have helped our clients find policies to protect their assets. We offer custom policies that change as our client’s needs evolve over time. We have working relationships with multiple carriers throughout the South.

4 Benefits Of Motorcycle Insurance

Motorcycle insurance covers you against the risks associated with operating a motorcycle. Accidents can happen at any time. All it takes is one crack in the road, and you could suffer a serious injury or harm others. Liability coverage protects you if you accidentally damage someone’s property, or injure someone. Comprehensive coverage protects you if your motorcycle is vandalized or stolen. You are also covered if your motorcycle is damaged due to severe weather moving through the Charlotte, NC area. Here is a look at some other unique benefits of motorcycle insurance.

Covers Your Passengers

Perhaps you enjoy taking your friend with you for a ride on your motorcycle. In the unfortunate event that you are involved in a crash, motorcycle insurance covers any necessary medical care for your passengers if they are injured. You can add personal injury protection to cover any injuries that you sustain.

Emergency Breakdowns

Motorcycle insurance covers emergency breakdowns. You can have peace of mind if your engine or transmission starts having issues.

Towing Service

If your motorcycle shuts down, you can receive urgent towing service to get you back on the road as soon as possible.

Storage Coverage

Even when you aren’t operating your motorcycle, it’s still at risk for possible damage. You can add storage coverage to protect your motorcycle against possible damage when you aren’t using it.

Kempton Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.

Questions to ask when buying boat insurance for the first time

Buying boat insurance is not always a straightforward process, especially if you’re doing it for the first time. However, you need to get the right amount of insurance to stay safe in the water, whether you do it for pleasure, sports, or other reasons. Some marinas at Charlotte, NC may require you to have boat insurance to allow you to dock with them.

Your lender may also require you to get boat insurance to safeguard their investment when buying a boat. That’s why Kempton Insurance Group recommends learning about your policy by asking the following questions.

Do I need boat insurance for my boat?

Nobody will arrest you for not having boat insurance in Charlotte NC. However, it’s always a prudent idea to be financially responsible in case you cause an accident. You may be eligible for a boat endorsement on your home insurance policy if you own a small boat. Large motorized boats require specialized insurance based on your lifestyle and type of boat.

Can boating experience affect my policy?

Yes. Like car insurance, boating insurance companies check your boating experience to rate your risk level and determine your insurance rates. The lesser your experience, the more expensive your policy gets. You should prove to your insurer that you can safely handle and navigate a vessel without much hassle.

Is my personal property covered?

Yes. You can have special personal property coverage if you keep lots of valuables in your boat to protect them. Most water sport enthusiasts who have to take their sporting equipment with them purchase this policy to help replace their personal property when damaged by water or stolen.

The more questions you ask, the better you understand your policy. At Kempton Insurance Group, we encourage our customers to ask any questions they might have to address and clear all doubts about any policy. Feel free to contact us for more questions or information.

3 things you didn’t know about umbrella insurance

Umbrella insurance was designed to provide an extra layer of liability protection on top of primary policies like home and auto insurance. Lawsuits in Charlotte, NC can be pretty expensive. They can easily lead to significant financial losses if you are not adequately prepared. Here are three things you probably don’t know about umbrella insurance. 

1. Not ALL lawsuits are covered

While umbrella insurance mainly works on liability, not all lawsuits are covered. Once your home or auto insurance limits have been reached, Umbrella insurance can come in and take care of the rest. However,  the policy may not cover you if the act was found to be intentional or criminal. That means acts such as sexual harassment, intentional bodily harm, property damage or damage and injuries that result from too much intoxication are not covered. Umbrella insurance is designed to protect you from lawsuits that result from accidents, not malicious acts.

2. Some dog breeds are NOT covered

Dog bites are quite common in Charlotte NC but pretty expensive to treat. It’s even worse if you’re sued.  Fortunately, umbrella insurance can cover dog bites, BUT not all breeds are covered. Be sure to ask any Kempton Insurance Group about the breeds covered to know if your pet is covered or not.

3. Certain risk factors can impact your coverage

The most attractive part of umbrella insurance is a liability. Some people are at a higher risk of getting slapped with a lawsuit than others. Remember, you can be sued for many reasons, including injuries, property damage, threats or giving wrong information, false advertisements, and many other reasons. Depending on your risk level and type, you may want to buy umbrella insurance if you are a landlord, own dogs, travel regularly, own a swimming pool, gym, or trampoline,  or entertain visitors more often.

At Kempton Insurance Group, we care about you and what matters to you most. That’s why we go out of our way to ensure you get an insurance policy that will protect your assets and loved ones. Feel free to call or visit us today!

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