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Kempton Insurance Group

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

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Is Motorcycle Insurance Valid Across State Lines During a Continental Trip?

Kempton Insurance Group helps Charlotte, NC, cyclists get the high-quality policies they need to keep their bikes safe. If you’re planning a big trip soon and aren’t sure what might happen to your policy, contacting us to learn more about these issues is critical.

Coverage Needs Vary 

In the United States, 46 states and the District of Columbia require mandatory motorcycle insurance of some type. Only Florida, New Hampshire, Washington State, and Montana don’t require policy protection. As a result, you should already have insurance if you’re from North Carolina. 

When you’re traveling throughout the country, you need to make sure that you check all the requirements necessary for a state. Though you don’t need to change your policy to suit their needs, what other cyclists might have could impact what happens if you get into a crash with them.

Your Policy Should Remain Consistent 

The thing about your policy is that it should remain consistent, even when you travel outside of your home state. Any policy purchased in a state that requires motorcycle insurance will stay valid throughout the country. As a result, it can keep you safe from various issues. 

However, if you plan on traveling through any of the four states we previously mentioned, getting underinsured or uninsured cyclist insurance is a good idea. These policies protect you if other bikers don’t have insurance and ensure you get the support needed.

How We Can Help You 

When planning your big motorcycle trip from Charlotte, NC, make sure you contact us at Kempton Insurance Group to learn more about how we can help you. Our team of professionals is standing by to ensure you get the policy that makes the most sense for your needs.

I just finished paying off my boat. Do I still need boat insurance?

Charlotte, NC boaters can enjoy a variety of water activities. North Carolina boaters are required to obtain and carry a North Carolina Boater Education certificate to operate a boat in the state. However, there are occurrences when more may be necessary or recommended. Our team at Kempton Insurance Group is committed to helping North Carolina boaters understand the boating laws and get coverage that meets their needs.     

What’s Required to Operate a Watercraft in North Carolina?

All boaters must acquire a Boaters Education Certificate to operate a watercraft. This law applies to all watercraft of 10 HP or more. However, boat insurance isn’t a legal requirement in North Carolina. Boaters may still have to invest in boat insurance if they’re financing their boat or want to use certain marinas. A lender usually requires boat insurance until the loan is paid in full. Also, some marinas may require insurance if an accident causes injuries to others or property damage. Boaters may also consider investing in boat insurance if the repair or damage to their boat would be financially challenging to manage out of pocket. 

I just finished paying off my boat. Do I still need boat insurance?

Although your boat’s paid in full and the lender no longer has a say in whether you carry boat insurance, you may want to consider keeping your boat insurance. Liability protection or coverage for the repair or replacement of your boat, if you’re in an accident, are viable reasons to keep the insurance. As stated above, you may also need insurance to dock at certain marinas as well. If you have questions regarding the benefits of boat insurance, call us. We’d be happy to explain boat insurance and all of your coverage options. 

I have a small online business. Do I need umbrella insurance?

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. 

Stay Protected With Flood Insurance

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. 

How is Condo Insurance Different From a Homeowner’s Policy?

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.

Do all people need to have life insurance in North Carolina?

If you are in the Charlotte, NC area, you will want to know that you are adequately insured. A type of insurance coverage all people should consider obtaining is life insurance. There are many reasons why the typical person in this part of North Carolina will want to have this coverage at all times. 

Financial Support for Dependents

If you have people that depend on you and your income, having life insurance is very important. This is an essential form of coverage that provides financial support if you pass away unexpectedly, as it will provide a death benefit to your beneficiaries. You can build a plan that meets your needs in terms of term length and coverage amount.

Cover End of Life Expenses and Debts

Even if you do not have dependents, getting a life insurance plan can still be a good idea. If you pass away, your loved ones could incur various expenses, including funeral costs and other end-of-life expenses. Having a life insurance plan in place can provide financial support to help cover these costs, pay off debts, and even leave a little bit extra money and financial support to those that you care about the most.

It is very important for people in the Charlotte, NC area to have the right life insurance plan. When you start looking for coverage, you can quickly become confused and overwhelmed by all the options. If you would like some support, you can call our team with the Kempton Insurance Group. If you work with our professionals at the Kempton Insurance Group, you can get the guidance needed to evaluate your options and build the right life insurance policy. 

Documents you should always carry in your vehicle

As you drive your vehicle around the state of North Carolina from the coastal area of the Outer Banks to the Great Smokey Mountains in the west, you need to make sure you have the documents in your vehicle you need to be legal. At Kempton Insurance Group in Charlotte, NC, we stay up to date with our customers and are happy to ensure that everyone knows exactly what they need in their glove box before they hit the road. 

Vehicle inspection

Your vehicle needs to have an annual safety inspection before it can be registered. It must be done within 90 days of the expiration of the registration. You will not be able to register your vehicle until it is completed, and in 19 countries, it also must include an emissions test. 

Vehicle registration

Vehicles in North Carolina need to be registered every year. You can register online or in person at the DMV. This allows the state to keep track of all the previous vehicle owners and any liens since you must show the title to register the vehicle for the first time. 

Auto insurance card

When you get your insurance for the first time or your renewal, you will get a copy of the policy either online or through the mail. With the policy itself, you will have auto insurance cards that prove you have auto insurance. You should immediately bring one to place in the glove box with your registration. 

Driver’s license

To drive in North Carolina, you must have a driver’s license. Many people use it for identification and will not keep it in the vehicle, but it will be there when you are there. 

Call our office at Kempton Insurance Group in Charlotte, NC for any auto insurance needs. 

Here’s Why Mortgage Lenders Require Homeowners Insurance

If you take out a mortgage, you’ll likely have to take out homeowner’s insurance, as lenders typically require coverage. Of course, even if you’re buying a house without using a mortgage, it’s a wise idea to take out such a policy. After all, there’s a good reason why lenders insist on insurance. We’ll explain why, but if you have any further questions, visit Kempton Insurance Group, serving the greater Charlotte, NC metro area.

Why Homeowner’s Insurance is Necessary

For many families and individuals, a home is the most valuable asset they own. When it comes time to retire, many people sell their homes, downsize, and then use the extra cash to fund retirement. Homes have traditionally proven to be among the safer but more profitable investments.

A home is also very valuable to mortgage lenders. When you take out a mortgage, the house and land are used as collateral. If you stop making payments, the bank can take possession of the property. Then, they can sell the assets to recoup the money they lent you.

This means the mortgage lender has a vested interest in the home. Collateralized loans ultimately offer lower risks, so lenders will typically charge less in interest. Due to all of this, the lender will want to ensure that the home is protected in the event of a fire, severe storm, or other risks.

If a home is uninsured and then destroyed suddenly, the collateral is worth a lot less. The property owner might also decide to stop making payments. After all, the owner won’t even have a home anymore. This puts the lender at risk, and they may suffer losses.

Ultimately, home insurance can protect both homeowners and lenders. You can explore home insurance options by contacting the Kempton Insurance Group, which serves greater Charlotte, NC.

The Top 3 Benefits of Having Commercial Insurance

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!

Motorcycle insurance FAQs

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.

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