Opening Day Approaches: Are You Prepared?

It takes an incredible amount of work to prepare for opening day. The team at Kale Insurance is here to remind you that you will make it through, even if the unexpected arises. Business owners and investors around Lincolnton, NC must get to know their market to reach out effectively. Having a solid business plan and the people in place to implement the plan is one key to a successful opening day.

Location Considerations

Find a real estate agent that understands your priorities. The property must be large enough to handle the size of the facilities and parking for the opening day and beyond. It’s a good idea to have a plan B for parking during community events or grand openings. Can the roads support the traffic as-is, or will turn lanes be necessary? When customers can come and go with ease, they are more likely to return. 

Are your (t)s crossed and your (i)s dotted?

Whether it is a new business or a new location for an established business, having the proper licensing is crucial to protecting your business. Make sure you can rightfully sell the product or provide the service by obtaining the proper copyrights or patents. The building itself can be a liability if it is not up to code, so be sure the contractor is on top of things.

Do you have any last minute insurance questions?

Businesses in and around Lincolnton, NC can count on the commercial insurance expertise of the team at Kale Insurance. Ask us about liability coverage for defective products and workers’ compensation insurance to protect your workforce. We can help make sure property coverage limits will allow your business to recover and rebuild if necessary. Insurance coverage is as important on opening day as it is throughout the life of your business. Talk with our agents to learn more.

 

 

 

Helping Your Family Manage Their Life Insurance Payout

When your family collects on your life insurance policy, for many of them it’s going to be more money than they’ve ever had to manage at once. That money can be tremendously helpful for your sister who has to pay off her home loan, for your grandson who needs money for college, or even your spouse who relied on your income to survive. With money comes challenges, difficult decisions, and if you’re not used to managing money, you’re not likely to manage it well.

One way to ensure that the policy you get through Kale Insurance is handled properly is by signing up for a package that includes investment planning. The downside to this is that your beneficiaries will have to pay taxes on the gains and the interest, whereas a simple cash payout is tax-free. Plus, you will need to pay someone to manage these investments. Be that as it may, putting the money into savings accounts, stocks, and other investments, and paying your beneficiaries an allowance, rather than a single cash payout, will ensure that the money is not simply burnt through within a year of payout.

Furthermore, you can place certain restrictions on access to the money. You can instruct your attorney to only pay out for emergencies, for business startup costs, college loans and things of that nature.

If someone in the family is good with money, if you have a sister-in-law or a cousin who turned a small loan into local Lincolnton, NC business empire, they may be your best bet for handling the money in a way that will continue to pay off for the family.

Ideally, you want to provide your family with wealth that will continue to accrue over the years, not just a few extra bucks to get them through the funeral expenses and so on. You have a lot of options for ensuring that your money is well-managed, but it will take some planning.

Talk with our agents at Kale Insurance in Lincolnton, NC to learn more about life insurance and how a policy can benefit you.

How Home Renovation Changes Your Insurance Needs

The warm weather months make a popular time for home renovations and improvements in Denver, Vale, or even Lincolnton, NC. Although, you may need additional insurance during the renovation process. It is also important to consult with your insurance agent after completing renovations. Talk with an agent at Kale Insurance to adjust your policy to fit the needs of your home.

Before You Start

You’re about to increase the value of your home. That means you need to increase your coverage so you can make repairs or replace items should disaster strike. The good news is that some home renovations result in less costly insurance. While you’re interviewing contractors, check their insurance for appropriate coverage. If their coverage isn’t suitable or you decide to do it yourself, you’ll need an umbrella policy. A contractor should carry liability and worker’s compensation insurance, at a minimum.

During the Renovation

Double check your contractor’s insurance. Also, check the insurance of any sub-contractors brought onto the project. They need to carry appropriate insurance, too. One important consideration is if their policy covers supplies and uninstalled finished products for the job. If not, you’ll need coverage for the carpet, tiles, light fixtures, lumber, nails, etc. that is used on your project. If it is on your property, it needs coverage.

After Completion

Before you break out the champagne to celebrate, make sure your renovations meet local code requirements. Local code enforcement will inspect the work. Without approval, your insurance may not cover a future loss. Next, meet with your agent. They may want to tour the renovation. If you added to your original planned work, they might suggest additional coverage. 

Updating your insurance before you begin a renovation project keeps your home, its contents, and your bottom line safer. Contact Kale Insurance of Lincoln, NC to obtain proper coverage before you drive in a single nail. We want to provide you with security so that you can enjoy your remodeled abode with peace of mind.

How to Determine Your Commercial Insurance Coverage Needs

As an owner of any size business in the Lincoln, NC area, commercial insurance coverage is essential. Sometimes referred to as general liability insurance, it protects the assets of your company in the event of an injury, property damage, and certain legal situations.

With the help of a Kale Insurance agent, you can determine your business’s commercial insurance coverage needs. During this process, you need to consider a few important factors.

Type of Business

Depending on the type of business, the perceived risk associated with it will vary. For example, a business environment that encounters more hazards has a large number of employees, or inexperienced workers will have a greater potential for accidents and will need higher insurance coverage.

Property Value

The value of your business property can be determined by either the actual cash value or the replacement cost. While the actual cash value of your property may have experienced depreciation, the replacement cost is the amount you would need to replace anything that was no longer useable. As the market changes, it is important to reassess these values yearly to ensure your business’s commercial insurance coverage continues to be sufficient.

Risks Involved

As a business owner, you need to determine the risk you are willing to take on. In the event of an injury or property damage, how much out-of-pocket expense can your company afford? While higher deductibles and lower coverage amounts may save you money on your premiums right now, it could end up costing you and your business a lot more in the long run.

If you are a business owner in the Lincoln, NC area, contact Kale Insurance today. An agent will help you determine your commercial insurance coverage needs and ensure that your business is adequately protected.

Great Auto Insurance Is Like Eating Your Vegetables- and Liking Them With Kale Insurance

Serving the Lincoln, NC area and the surrounding areas, Kale Insurance is the super food for you and your automotive insurance needs. Once you have the right fit in a comprehensive insurance policy, you will learn that you can ingest, or take care of, your insurance needs and like it too.

Great insurance is not a difficult task. It needs to be appropriate and comprehensive to fit your needs.    

Insurance is Not Something We Want to Consider

We don’t want to consider insurance until it is absolutely necessary. Just like eating your vegetables is taking care of your body, taking care of your insurance needs is like taking good care of your lifestyle. No matter what happens out on the road, having a great insurance policy gives you a sense of freedom. Financial protection does not have to be a concern – you know you are protected.

Car insurance acquisition is a pre-requisite to getting on the road. In most jurisdictions, insurance must be in place before you can legally register your vehicle with the Department of Motor Vehicles. In this way, insurance is akin to how many people tackle the vegetables on their plate. If you are not a fan of veggies, but you know you have to eat them, get them out of the way by eating them first.

Delve in and clean your plate. Speak with a car insurance agent today at Kale Insurance to find out how to expand your policy or acquire a new one. You would not want to be stopped by law enforcement without the proper credentials to ensure your safety and the safety of others on the road. Insurance is good for you. Call today at 702-732-4646 or stop into our office in Lincoln, NC to speak directly with a knowledgeable agent.  

 

Life Events Could Affect Your Home Insurance Coverage

Home insurance from Kale Insurance Lincoln, NC can be personalized to suit your individual need. By reviewing your policy annually, you can see if major changes in your life impact your current coverage. Life events such as marriage, divorce, retirement, etc., could require changes to your policy to maintain the coverage you desire. If you’ve undergone any of the following changes in your life, you may need to adapt your home insurance accordingly.

Marriage or Divorce

If you’ve gotten married, you may want to increase the limits of personal property coverage to allow for protection of your spouse’s belongings. You may also need extra coverage for expensive wedding gifts, heirlooms, collectibles, or costly jewelry that has been added to your household.

In like manner, a divorce could result in a reduction of personal property coverage due to a separation of personal goods.

Additions to Your Household

The addition of a family member or friend to your household on a temporary or permanent basis could impact your home insurance coverage. By discussing these changes with one of our agents at Kale Insurance, we can let you know if adjustments or changes need to be made to your policy.

Retirement

Retirement often gives homeowners more time to invest in their property. Before making any major renovations, however, it’s good to talk to your home insurance company. Adding an extra bedroom, expanding a patio, putting in a pool or upgrading your kitchen or bathroom requires that you update your home insurance policy. Failure to insure these upgrades could result in a financial loss if they suffer damage from a sudden storm or fire.

At Kale Insurance in Lincoln, NC, we’re more than happy to adapt your home insurance needs to accommodate major changes in your lifestyle. 

How to Get Your Home Ready for Spring

Spring is a beautiful time of year in Lincoln, NC. Now that winter is almost over, then it is time to get your home ready for the warmer weather so you can get the most out of it and enjoy everything the season has to offer. Use these tips from Kale Insurance to help get you started. 

  • De-winterize your home. If you were like most people, you made sure to winterize your home before the cold weather came. If you took this step, then you also need to get your home de-winterized so you can continue to use everything this spring and summer. 
  • Do some spring cleaning. Take advantage of the warmer weather and dust things off inside or clean out your garage or a closet. There are so many things you can do, and you will feel so much better once it is done. Not to mention, your home will also look better. 
  • Get your HVAC checked. If you plan on using the air conditioning this spring and summer, now is a great time to get your HVAC unit checked. That is because you do not want to learn the hard way that your air conditioning unit is not functioning properly and needs a repair. Get it done now, so you are not stuck in the heat later on when everyone else needs a fix too. 

Even once you have completed everything off of your to-do list, there is still one more thing to make sure you have in place. You need to have a great home insurance policy if you want to protect your home at all times. Be sure to contact Kale Insurance, serving Lincoln, NC, for more information and to get a free home insurance quote. 

3 Reasons Your Home Insurance Company Matters

Although many take the need to acquire home insurance lightly, that couldn’t be further from the case. In fact, for homeowners, it is one of the most important actions you can take. Don’t get stuck with a scam of a company, for residents of Lincoln, NC, the following is an overview of three reasons your home insurance company matters.

Fly-By-Night Scams 

The first reasons your home insurance company matters are because fly-by-night scams are real. While there are plenty of reputable home insurance agencies, there are also those who come and go quickly and only seem to complicate the lives of their customers. Therefore, taking the time to research your home insurance company is vital.

Customer Service

In addition to that, customer service can make or break a business. If you select an insurance company with poor customer service, you will be subject to frequent mistakes, delays, and much more. Rather than taking the chance and sticking with a company with poor customer service, taking the time to find a company with stellar customer service now can save you the world of time and turmoil later.

Rates 

Lastly, not all coverage is created equal. Taking the time to research the rates of your local agencies before you purchase your policy is the best way to ensure you are getting the most value for your money.

Let Kale Insurance be your go-to for insurance in Lincoln, NC. Proudly providing great rates, outstanding customer service and much more, shopping with Kale Insurance is like purchasing peace of mind. Simply call, stop in, or email us today. One of our highly-qualified agents will gladly assist you in purchasing your policy as well as finding ways to save!

It’s Not Too Late to Winterize Your Home

We are well into the winter season now.  The temperatures have dropped and we have experienced the colder weather that comes with living in Lincoln, NC. Hopefully, you have winterized your home and you and your family are enjoying the warmth and coziness that comes with a well-maintained home. If you haven’t taken measures to prepare your home, or just moved to the area, it is not too late to do so. Here are some tips from the friendly agents at Kale Insurance to get your home in shape for the rest of the winter season.

Tips for Your Home’s Exterior

To ensure that the outside of your home holds up well throughout the winter, there are few routine maintenance items you should do this winter and each one thereafter. First, if you haven’t used your chimney yet, make sure to inspect it before you do so. Clear it of birds’ nests and debris.  Also, check the exterior bricks and mortar joints around the chimney and repair any that are damaged. Roof shingles and flashing sometimes need repairing. They are both potential water leak sources, so repair these promptly.

Tips for Your Home’s Interior

To stay warm and safe throughout the winter, also take steps to prepare the inside of your house. Check the insulation in the attic. If you can see the ceiling joists, then you need additional insulation. If there is a draft by your windows, add a bead of caulk to seal them.  If cold air is coming in at the exterior doors, replace the weather stripping. Also, make sure that your smoke detectors have fresh batteries. And keep extras on hand.  If you need assistance, the professional agents at Kale Insurance of Lincoln, NC are here to help.

How to Get the Most Out of Your Heater This Winter

In the winter, you do not want to spend any more money that you have to on heating. It can get fairly cold in Lincoln, NC, and you should everything you can to get the most out of your heater. Use these tips to ensure you do not waste any money staying warm this winter. 

Check Your Weatherstripping

Many people do not realize it but weatherstripping is one of the biggest reasons why people lose the heat in their homes. There are many reasons for this including old weatherstripping, gaps between doors and the walls, and more. If you can see the light from outside through gaps in your door, you need new weather stripping. Examine your home and all entryways to ensure that you are not letting cold air in and your heat out. If you are, replace the weather stripping so you can keep all of your heat inside. After all, you do not want to pay to heat the outdoors.

Get Your Heater Examined

You want to be sure that your heater is running efficiently. The best way to do this is by getting it examined every year to ensure there are no issues and to have the filters replaced. You should make sure that your heater is not working harder than it has to. Regular maintenance is the best way to prevent problems and make sure that your heater is working the way you need it to. 

If you are looking for ways to better protect your home, be sure to get a home insurance plan. It is the best way to protect your biggest investment and you can get a policy that meets your needs. Contact Kale Insurance today in our office serving Lincoln, NC, to get your free quote.