About JC Demo Insurance Company in Charlotte, NC

Insurance coverage exists for many situations that would otherwise result in significant financial impact for an individual or a business. Instead of being driven to bankruptcy, you have insurance cover the legal fees and costs associated with a liability lawsuit. This works for at-fault accidents you cause driving, people getting injured or killed on your property, and harm caused by products you sell as a business.

Insurance can also help mitigate the long lasting damage that comes from theft, fire, loss, and other natural disasters. For personal insurance, you can get the contents of your home or apartment replaced or repaired. This helps you with rebuilding your life after a major disaster, so you aren’t paying for clothes, furniture, and other valuable assets out of pocket. For a business, not only does this type of insurance cover replacement costs, but it also insures the cash flow of the business while they are unable to operate.

When you set up an insurance policy, you choose your coverage level, the perils that are named in the policy, and your deductible. The monthly premium that you pay for your insurance depends on the amount of total coverage you have, whether you have a low or high deductible, and the range of coverage on the policy. You may be able to get a discount on your insurance if you have multiple policies with the same company.

Need help figuring out what insurance policies work best for your life? At our insurance company in Charlotte, NC we offer a free online quote system that helps you to understand exactly what you need, how much coverage you need, and how much it ends up costing you on a monthly basis.

Best Available Homeowners Insurance Options in NC

Are you new to NC or planning a move to NC?

If you are purchasing a home for the first time or you aren’t sure what a homeowners policy actually covers click the link below to read an article that we contributed to responding to some common questions about homeowners insurance and what it covers. Also, this website lists properties for sale and has other information you may find useful in a home search.


Homeowners insurance is an essential part of properly protecting your home for the long run. You have many points of coverage that are included in your homeowners policy, which essentially protects you in three ways. The first way it protects you is by providing protection for the building itself against issues such as fires, falling trees, storms, and other natural disasters. The second way is through replacing the contents of your home if they are lost, damaged, or end up being stolen. Finally, homeowners insurance also helps you if you have an accident on your property that you could be held liable for.

There are other parts of homeowners insurance that aren’t automatically covered. If you have particularly pricey assets within your home, it’s worth it to get additional coverage on your items. You may also want to look into comprehensive coverage of your personal property so they are covered no matter how they get damaged.

Flood and earthquake insurance riders cover two natural disasters that are geographically restricted. If you don’t live near a fault line, or on a flood plain, then this is not an aspect of homeowners insurance you have to worry about. Prior to purchasing your home, the property records indicates whether you are located in one of these areas. If you are, you need to add additional insurance to your policy so that you aren’t dealing with damage that isn’t covered by your insurance company.

Need help with putting together the perfect homeowners insurance options for your home and future? Contact our independent agents in NC for a complete run down of the policies available to you, and how much they end up costing each month.