When looking for adequate home insurance, it’s natural for us all to have questions. North Carolina residents are no different from the next person. Our agents at JC Demo Insurance Group, serving Matthews, NC, are here for you in getting those questions answered. If you live in the North Carolina area, here are three important questions you must ask about home insurance.
When is windstorm and hail coverage necessary?
North Carolina normally has mild weather compared to other American states. However, some of its residents do live in the beach and coastal areas. That’s when a separate windstorm and hail policy is good to have, assuming it is excluded from your primary home insurance policy. If this coverage is offered to you separately, it is written by a tax-exempt association of insurance companies called The North Carolina Insurance Underwriting Association (NCIUA).
How does deductible work in a home policy?
Your deductible is a portion of a covered claim you are responsible for paying. It can be a fixed amount or a percentage of your total dwelling coverage amount. There are various deductible options. That’s why you must review any deductibles you have on the declaration page of your policy.
What is excluded from my policy?
When deciding on a policy, you must ask your agent what is excluded from it. Depending on your home’s location, age, and other factors, you must decide whether it’s necessary to request a separate policy. Talk to your agent to discuss whether or not this is right for you.
Contact our agents today
Our agents at JC Demo Insurance Group are here for you in giving you the answers to your puzzling home insurance questions. Don’t delay. Contact us to get a quote today.
Auto insurance is an essential product to invest in for a variety of reasons. Vehicle owners in Matthews, NC can benefit in numerous ways by investing in an auto insurance policy. At JC Demo Insurance Group, we’re here to help area residents meet their auto insurance needs.
The following are three problems that your auto insurance policy can solve for you in North Carolina.
Meeting state liability coverage requirements
You are required by North Carolina law to meet certain insurance requirements. You are required to purchase at least $30,000 in bodily injury coverage per person and $25,000 for property damage.
Purchasing adequate auto insurance coverage will provide you with the proof of insurance that you’ll need to register a vehicle in North Carolina.
Paying for repairs to your vehicle after an accident
Being involved in an auto accident can be incredibly expensive. A severe accident can make it so that your vehicle requires repairs before it can operate properly again. Some auto accidents result in total losses where a vehicle must be completely replaced.
If you invest in collision coverage, your auto insurance can cover the costs of repairing or replacing your vehicle after an accident.
Getting roadside assistance when your vehicle breaks down
Many auto insurance companies offer roadside assistance as an extra feature on their policies. With roadside assistance, you can receive assistance if your vehicle breaks down.
Roadside assistance will usually involve a tow truck coming to pick up your vehicle and take it to a nearby garage. This helpful service can be a lifesaver when you experience a breakdown.
Are you on the market for the right insurance policy in Matthews, NC? Contact us at JC Demo Insurance Group to learn more about our insurance policy offerings.