Category: 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. 

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. 

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.