Home Insurance Mistakes to Avoid.

Your home is likely one of your most significant investments, so protecting that investment is critical. Avoiding certain home insurance buying mistakes can guard against frustrations and financial losses later. Our JC Demo Insurance Group team, serving the Matthews, NC area, will work with you to avoid those mistakes and structure the insurance coverage to meet your needs best.

Penny Wise and Pound Foolish

One set of mistakes related to home insurance occurs while buying the policy:

  • Ignoring exclusions: Confirm what is and is not covered, such as flood and wind damage, and upgrade as needed.
  • Underinsuring belongings: Don’t underestimate the value of your possessions, including jewelry, art, and collectibles.
  • Choosing high deductibles: High deductibles can be smart and save money, as long as you have the cash to cover them.
  • Underestimating your liability: Consider the risk of accepting the minimum liability coverage.
  • Misrepresentation: The failure to tell your agent about your trampoline, dog breed, or home rental may result in a lack of coverage if an accident occurs.
  • Not bundling and comparison shopping: Consolidating and comparing your home, auto, and other policies can save costs.

Mistakes that occur after the policy is in force include:

  • Underinsuring your home: Home improvements and fluctuations in home prices and building costs can lead to undervaluing the replacement cost of your home.
  • Not maintaining a home inventory: A detailed inventory of your belongings, even videos created using your mobile phone, is critical when you have a claim.

Working with JC Demo Insurance Group

Each client has unique home insurance needs. JC Demo Insurance Group, proudly serving the Matthews, NC area, can help you avoid mistakes and protect your home and family against unforeseen events. Call or stop by today to discuss your condo insurance options.

Do You Need Full Coverage Auto Insurance if You Purchase a New car With Cash?

Full coverage auto insurance protects your vehicle from various risks on and off the road. You may be required to have full coverage auto insurance if you’re currently financing your vehicle. If you would like to learn more about our auto insurance coverage options, let the JC Demo Insurance Group experts assist you. We proudly serve the residents in and around the Matthews, NC, area.

Auto Insurance Protection 

If you plan on buying a new car with cash outright, you aren’t required to carry full auto insurance to leave the dealership. However, it is highly recommended that you cover your vehicle adequately with full coverage insurance protection before driving away. Accidents can happen at any time, even when leaving the dealership. Protect your investment and prevent losses associated with covered risks by securing the right level of coverage for your specific situation.

Professional insurance agents can work closely with you to help assess your current and future needs. Once we know what insurance policies provide the best protection, we will match them to you and assist you with submitting documentation and information to obtain your coverage quickly.

Once your policy is in place, we can assist you with any changes or claim submissions. We aim to provide exceptional service and insurance products to help you have peace of mind.

Find Out More Today 

Don’t hesitate to contact us if you need assistance finding the right auto insurance policy or learning more about available coverage options. Please feel free to call or stop by the JC Demo Insurance Group office, which serves the residents in and around the Matthews, NC, area. We look forward to working with you to help ensure you get the best insurance protection available.