Home Insurance Considerations This Spring

It is forecasted to be an extra chilly winter for North Carolina, and the spring cannot come soon enough for some. Before the buds start blooming and the world turns bright green again be sure to check out your home owner’s insurance policy to make sure you are covered from whatever the wind blows your way. At JC Demo Insurance Group we want to know that all of our clients are protected to matter the weather or the situation so here are a few spring home tips. We serve people in and around Matthews, NC.  

Things to Consider Around the House This Spring

  • When the weather warms and you start your spring cleaning, go beyond de-cluttering. Check for mold damage after winter storms, get rid of standing debris around the frame of the house to prevent water damage, do a full check up. It is best to find any damage early, and it is much more cost effective to prevent an issue than to pay for remediation. If you set aside spring as home check-up time at the same time as your spring cleaning then you will stay on top of any issues. 
  • What are the predictions for the weather for the rest of the year? We recommend you always keep full coverage home insurance as well as a flood policy. But if you don’t happen to have all the protection possible, check the weather forecast for the remainder of the year. It may be prudential to upgrade your policy if the scientist predicts a rough season. 
  • This tip should be done each time the seasons change, four times a year. The first day of spring, summer, fall, and winter is the time to change and check smoke and carbon monoxide detectors. A few moments each season can save your life and home. 

Contact us at JC Demo Insurance Group to discuss your home insurance options, and whether you are fully covered. We serve Matthews, NC and the surrounding areas. 

Who Will Require Me to Have Auto Insurance?

If you are a car owner in the Matthews NC area, it is extremely important that you take this responsibility seriously. One responsibility that you will have when it comes to owning the car is to make sure that it is properly covered by insurance. There are several different groups that will require you to carry auto insurance at all times. 

State Laws

Similar to other states, drivers in North Carolina are required to carry minimum levels of liability insurance at all times. This coverage will provide protection in the event you are at fault in an accident. It will provide coverage to the other drivers in the accident, but will not provide you with coverage for damage to your vehicle. The state requires that you have $25,000 in property damage coverage as well as $30,000/$60,000 in bodily injury coverage.

Lender Requirements

Since the base state requirements will only give coverage to the other party in an accident, it is important that you have additional coverage as well if you have a loan outstanding. In most situations, a lender or lessor of your car will require that you carry a full collision and comprehensive insurance policy at all times. This will help to protect you from a wide variety of losses including theft, fire damage, or if you are in an accident with a driver that is not insured.

When you are in the Matthews, NC area and are looking for an auto insurance policy, contacting the team at JC Demo Insurance Group is a good first step. The professionals at JC Demo Insurance Group are fully aware of the auto insurance laws in North Carolina and will also be able to review your lender agreements to make sure that you are in compliance with all related requirements.