What exactly does home insurance cover?

Moving into a new house without proper home insurance is a risky decision – whether it is located in Matthews, NC or anywhere else. You need insurance to protect your home and assets against unpredictable damages. However, before getting a certain policy, it is good to know what exactly your insurance covers. Here is the list of things typically covered by standard homeowners insurance: 

The Structure of The Building 

A standard insurance policy will pay for the repairs and rebuilding of the house if it was damaged by such cataclysms as hurricane, lightning, fire, hail, or anything else listed in the policy. Most policies also cover detached constructions, including a gazebo, garage, or a tool shed. However, it is important to know that insurance will not pay for the damages caused by floods and earthquakes, and it will not cover routine repairs of the building. 

Personal Belongings

All your belongings will be covered by insurance if they were stolen or damaged by fire, hurricane, or other natural disasters stated in the policy. In most cases, the coverage of personal belongings is between 50 and 70% of the insurance for the house’s structure. If you have extremely expensive and valuable things you want to insure, it is recommended to purchase a special property endorsement because standard home insurance does not cover valuable items for their full value. 

Liability Protection

Liability coverage means that in case of property damage or bodily injury caused by you or your family members to other people, you will be protected. Liability protection will also pay for any damage caused by your pets. If someone is injured in your house, their medical bills will also be covered by the insurance company. 

If you are shopping for insurance and you are not sure what exactly it covers, our independent agency JC Demo Insurance Group serving Matthews, NC is ready to answer your questions and help you to make an informed decision. Call JC Demo Insurance Group today to find what the options are available to you. 

Summer Road Trip? How to Stay Safe on the Road

As a native of Matthews, NC, you’re privy to beautiful scenic highways and byways for summer travels. North Carolina is a favorite hot spot for summer road trips, making it necessary to drive safely in order to enjoy your road trip to the full. If you’re planning a road trip this summer, these tips from JC Demo Insurance Group can help you stay safe on NC roads.  

Plan Ahead

Take time to plan your trip, choosing safe routes and reserving places to stay in advance so you’re not caught unprepared. Have alternate routes planned in case you run into road construction or heavy traffic due to an accident that can clog up the road. Share your plans with loved ones so they’re aware of your whereabouts in the event you have an accident or breakdown along the way.

Service Your Car

Service your car before leaving to ensure it’s road-ready. Check your fluids, tires, brakes, battery, hoses, signals, wipers, and lights. Pack an emergency kit to include a first aid kit, blankets, jumper cables, flares, tool kit, and other needs in case you run into trouble on the road. Don’t leave anything to chance. 

Drive Defensively

Drive carefully and defensively, enjoying your trip every step of the way. Stop and rest when you’re tired as drowsy driving increases your risk of accidents. Never drink and drive or take medications that can make you sleepy on the road. Stay within speed limits. Use signals when changing lanes or turning. Be considerate of other drivers to avoid problems with road rage.

Update Your Auto Insurance

Make sure you have the auto insurance protection you need for your summer travels. To update your auto coverage, contact your insurance specialists at JC Demo Insurance Group, serving residents in Matthews, NC.