Buying a new home is stressful. Choosing your home insurance shouldn’t be. Buying home insurance gives you the peace of mind that you require. At Pethel Insurance Group in Kannapolis, NC, we are an independent insurance agency dedicated to making sure our customers have the right insurance for their personal needs.
What every new homeowner needs to know about home insurance
Home insurance has exclusions
As good as home insurance is at protecting you and your home, it just won’t cover everything that could go wrong. The exclusions are clearly outlined in your policy, which makes actually reading your home insurance policy vital. Exclusions include wear and tear, owner neglect, earth movement, and floods. Knowing these exclusions allows you to make other arrangements for coverage.
Certain coverage has limits
Another good reason to read your policy thoroughly is that certain types of items have limited coverage. Your jewelry, antiques, electronics, and other things are not covered after the limit is reached. They can, however, be extended with a rider.
You have choices when it comes to content coverage
If you own a lot of things that you probably would not want to replace, getting replacement coverage is probably a good choice. If you love what you have and want to replace it, the current value is a better option.
You can extend your coverage with riders
Riders or endorsements can provide additional coverage beyond what your traditional home policy includes. It can give your sewer backup coverage, and extend the coverage you have on your jewelry and electronics.
You choose your deductible and liability coverage
You have options when it comes to the amount of liability insurance that you have and also the dollar amount of your deductible. You can customize your policy.
Get The Right Coverage Today
Contact Pethel Insurance Group in Kannapolis, NC before you choose your home insurance coverage.
Pethel Insurance Group is here to help all residents of Kannapolis, NC with their insurance needs. This includes renters too! If you are looking to move into a new place, don’t forget to secure your renter’s policy! Give us a call when you’re ready to learn more about the renters’ policies that are available in our area.
Don’t forget to get a renter’s policy for your new place
Moving can be a stressful undertaking for many people. There are a lot of changes to manage, and things to take care of both at your old and new places. As hectic as everything may seem during a move, it’s important not to overlook the need for renter’s insurance.
A good renter’s policy will protect the personal belongings that you have in your rental unit. This means that if loss or damage occurs due to a covered event, your policy will provide protection. Your landlord will also have an insurance policy in place, but this will cover their interests and any losses that occur to the building itself. Don’t rely on your landlord’s policy because it will not provide any protection for your personal items.
When selecting your policy, be sure to confirm the maximum coverage amount for a single item so that you have the coverage you need. With a robust policy in place, you can relax knowing that your items are protected.
Call or stop by today!
Before you move into your new place in the Kannapolis, NC area, be sure to get in touch with the team at Pethel Insurance Group. We can review your insurance needs and help you find a renter’s policy that will be the right fit. Contact our office today and find out more.
You need three main pieces of gear to ride a motorcycle safely. These include a helmet, gloves, and boots. Each of these items provides a different level of protection, so choosing the right gear for your needs is critical. From Pethel Insurance Group, here are the reasons why Kannapolis, NC motorcycle owners need these pieces of gear every time they ride.
3 Pieces of Gear You Need to Ride a Motorcycle Safely
Wear a helmet
There are many reasons to wear a helmet when operating a motorcycle. For one, it can help protect your head in the event of an accident. Additionally, helmets can help reduce wind noise and protect your face from bugs and debris. What is the best helmet to wear when riding a motorcycle?
There is no definitive answer about the best helmet for motorcycle riding. However, many experts recommend full-face helmets because they offer the most protection for your head and face.
Wear a jacket
Wearing a jacket while operating a motorcycle has several benefits. A jacket will protect you from the elements, including wind, rain, and cold temperatures. Second, a jacket will provide some protection in the event of a fall. Third, a jacket will make you more visible to other motorists.
Boots are an important part of a motorcyclist’s wardrobe because they protect your feet and ankles from the elements and road debris. They also provide good traction when you need to put your foot down on the pavement.
Get Motorcycle Insurance Today
Pethel Insurance Group in Kannapolis, NC offers motorcycle insurance coverage to protect you and your bike on the open road. We have various coverage options to choose from, so you can find the right policy for your needs. Contact us today to get started on your motorcycle insurance quote.
Families who live in the greater Kannapolis, NC area rely on the team at Pethel Insurance Group for all of their life insurance needs. If you are unsure about what type of life insurance, and what amount, is right for your family, we can help. Our team is here to answer any questions that you may have about life insurance. Give us a call or stop by our office today.
Do you need help finding the right life insurance for your family?
Choosing the right type of life insurance for your family may feel like a difficult decision. And, because everyone’s situation and needs are different, you may not know where to turn for advice.
One of the best ways to determine the right type and amount of life insurance that is right for your family is to sit down with a local agent. This allows them to form a clearer picture of your family’s future needs. Life insurance is especially important for families with young children, but the need for life insurance doesn’t end when those children turn 18.
Take the time to calculate your life insurance needs and take one step closer to providing your family with the protection it needs. There are many different life insurance options available. One is sure to be right for you!
Get in touch with us today!
Pethel Insurance Group is here to serve the insurance needs of the greater Kannapolis, NC area community. We can help you determine which type of policy is right for your family, and also provide information on what the appropriate level of protection may be. We are here to help! Call or stop by our office today to learn more about the life insurance options that are available in our area.
Insurance is a "must-have" for Kannapolis, NC automobile owners. Quite simply, it’s the law to have automobile insurance if you have an automobile. Understanding what type of insurance you need and why, however, can be significantly more complex.
Explore some of the basics of auto insurance in North Carolina. Pethel Insurance Group can help you navigate this important insurance coverage.
You Can’t Skip Out on Auto Insurance
Have you ever heard of people paying insurance sometimes and then letting it lapse? Well, in North Carolina that isn’t legal. The law requires automobile liability to be continuous — meaning you should always be covered and not have gaps in your coverage.
Minimum Auto Insurance
Not only must your insurance be ongoing, but it must cover a certain amount of damages. As listed by the state you must carry:
- $30,000 Bodily Injury for each person
- $60,000 total Bodily Injury for all persons in an accident
- $25,000 for Property Damage
What these legal guidelines mean is that you must meet a minimum of insured medical coverage for any person who may be involved in a car accident with you including those in your car and the other vehicle or vehicles. In addition to having basic medical coverage, you need to have a minimum amount of insurance for property damage that you may cause to the other party, such as engine work or body work needed for repair.
Uninsured Motorist Coverage
North Carolina also requires uninsured motorist coverage — this is your protection against people who don’t follow the rules. Uninsured motorist coverage may include your medical costs and sometimes vehicle repair if you are hit-and-run or have an accident with a person not holding legal insurance.
Learn about the auto insurance specifics that matter to you with Pethel Insurance Group in Kannapolis, NC.
Commercial insurance policies typically come in two types. The first is a liability insurance policy. This type of policy will protect against financial losses caused by another party.
The second main type of commercial insurance is coverage for property, liability, or both. This type of policy will protect against financial losses caused by things such as natural disasters or accidents. For questions, consult Pethel Insurance Group serving the greater Kannapolis, NC community.
What to Look For in a Commercial Insurance Policy
Commercial insurance is purchased by a company or business rather than an individual. A commercial policy typically covers what a standard homeowners’ or auto policy would cover, such as property damage or accidents. But it goes beyond to insure things such as your business, advertising, inventory, and stock.
Commercial insurance is designed to protect businesses against the risk of financial loss due to a covered peril. The most common types of commercial insurance policies include liability insurance, which protects a company against the risk of being sued due to an injury or loss to third parties. Typically, the policies are:
- Unique in that they are not tied to a specific business, industry, product, or a single location. Therefore, there are a number of different types of commercial insurance available, and it is important to know the difference between them.
- Have a shorter duration, typically ranging from one to five years.
- Have a higher deductible, which means you must pay a percentage of the claim before the insurance company is responsible for paying anything.
- Have a maximum claim limit.
- Have a minimum amount of coverage that you must have, which means you can be left without enough coverage to cover the cost if something happens.
Contact Us Today
A commercial insurance policies come in different forms and you can purchase them directly from an insurance company or through a broker. First, you should ensure the policy comes from a reputable insurance company.
Second, make sure the coverage you purchase is exactly what you need. For expert assistance in the Kannapolis, NC area, consult Pethel Insurance Group.
It’s best that you stay on top of your home insurance policy to ensure that you are not only getting the best protection for your home but also the best deal on your premiums. This is why you should frequently review your home insurance policy. Here’s how often you need to do this as a Kannapolis, NC homeowner.
How Often Should I Review My Home Insurance Policy?
Annually, at renewal time:
Most home policies offer protection for 12 months, after which the policy will expire unless you renew it, or it will be automatically renewed. You should take advantage of this renewal to review your home policy. You can change your home insurance policy to fit your current protection needs, like adding or removing some coverages or increasing or lowering deductibles.
When renovating or remodeling:
Renovating or remodeling your home will typically increase its value. Therefore, you should contact your insurer to review your home insurance and make sure that it reflects the renovations and the remodeling done and the increased value of the property.
When you purchase expensive stuff:
At Pethel Insurance Group, we recommend that whenever you purchase something pricy, such as a piece of art or jewelry, you review your home insurance policy. This will ensure that your recently priced possession is covered under your home insurance in case of loss or damage.
When you rent your basement or a room:
You should let your insurer know when you lease your basement or a room in your home while still living there. This will prevent your home policy from getting canceled by the insurer for violation of terms. Also, review your home insurance policy to increase your coverage since more people live there and there is more personal property in the home.
Give Us A Call
If you need more info on your home insurance policy in Kannapolis, NC and surrounding areas, Pethel Insurance Group is happy to help. Contact us today.
Renting your home is a great way to save on many types of expenses. Maintenance, taxes, and some insurance costs will be covered by your landlord. However, as a renter, you should know that the insurance your landlord carries is not enough to protect you in the event that your rental home is damaged. At Pethel Insurance Group, we want to help our clients make smart insurance decisions in Kannapolis, NC, and the surrounding areas. Keep reading to learn more about renter’s insurance.
Why Do I Need Renter’s Insurance?
A landlord will be required to carry a certain amount of property insurance for the property that you are renting. This type of policy, however, does not provide any coverage or reimbursement if your personal belongings are damaged or lost. Your personal belongings could be at risk if there is a fire, natural disaster, or burglary.
Renter’s insurance is a type of policy that renters can purchase to protect their belongings.
What Does Renter’s Insurance Cover?
A renter’s insurance policy can be customized to cover anything you would like to add. To evaluate the value of your items, you will need to sit down with an insurance representative. This professional will be able to help you understand the value of your belongings so that the proper amount of insurance can be purchased.
In most cases, the renter’s insurance will cover personal belongings such as clothing, jewelry, electronics, vehicles, and other valuables. You may want to talk with an insurance representative to find out if pets are covered as well.
If you would like to learn more about our services, please contact us at Pethel Insurance Group, serving Kannapolis, NC, and the surrounding areas. We will be happy to answer your questions and help you find the right insurance products today.
Pethel Insurance Group is an independent agency. For over 10 years, we have helped Kannapolis, NC residents find the coverage they need to protect their assets. We work closely with multiple carriers throughout the South. This allows us to assess our clients’ needs on an individual basis. We will consult with you to figure out which policies most align with your current situation.
Motorcycle Insurance Overview
While operating a motorcycle is fun, it can also be dangerous at times. Much like driving a car, navigating unpredictable road conditions can lead to accidents. Motorcycle insurance protects you as you travel through Kannapolis, NC and beyond. The policy covers you if you make an impact with a vehicle or object and damages occur. Liability coverage protects you if you are held responsible for causing damages or an injury. Comprehensive coverage protects your motorcycle in multiple ways. Perhaps you are riding through a rural area, and you accidentally make contact with a deer. Comprehensive coverage covers any damages to your motorcycle as a result of the collision. You are also covered if your motorcycle is stolen or vandalized. Comprehensive coverage also covers any necessary repairs if your motorcycle is damaged due to severe weather.
If you are operating your motorcycle with a passenger and an accident occurs, liability coverage will take care of the medical treatment if your passenger suffers an injury. If you are traveling long distances on your motorcycle, consider adding emergency assistance coverage. This type of coverage protects you if your motorcycle is having mechanical issues. You will receive urgent service to fix the problem and help you stay safe.
Pethel Insurance Group Will Help You Protect Your Assets
Visit our website to learn more information about motorcycle insurance.
At Pethel Insurance Group in Kannapolis, NC, we are independent insurance agents who have been helping our customers to find the right coverage for more than 15 years. We are family-owned, and we will work hard for you to get the right policy at a price you can live with. Life insurance is not a type of insurance where everyone’s needs are the same. Your needs are personal and getting to know you is part of the process.
Is term life insurance right for me?
Term life insurance offers coverage for a certain number of years. What you are paying for is a death benefit. If you are alive at the end of the term, the insurance ends and there is no longer a benefit. It is the perfect type of insurance when you require a large amount of coverage for a certain number of years. It is affordable and provides peace of mind that your dependents will be taken care of in the event you die.
Do I need life insurance if I get some from work?
Do you know exactly how much life insurance your employer provides? Is it enough to provide for your dependents in the event you pass away? Can you keep the policy if your employment is terminated either by you or your employer? Having your own life insurance is always a good idea. Consider employer-provided insurance a nice supplement to the coverage you already have.
When should I review my life insurance coverage?
Life is not static, it changes over the years and, like so many things, you need to take a good look at your coverage when any of these events happen:
- When you change jobs
- When you buy a home
- When you get married
- When you have children
- When you retire
Contact Pethel Insurance Group in Kannapolis, NC to discuss your life insurance coverage.