Month: August 2025

What Is the Difference Between Liability Only and Comprehensive Auto Insurance?

Posted on by AgentInsure

When you need auto insurance, it’s important to choose the right type of coverage for your vehicle and budget. There are several types of auto insurance available, including liability-only and comprehensive coverage. The professionals at JC Demo Insurance Group, serving Matthews, NC, can help you decide which type of auto insurance is best for your needs. If you have questions about liability-only and comprehensive auto insurance, we’re here to provide answers! Here’s what you need to know.

What Is Liability-Only Auto Insurance?

Liability-only auto insurance is a type of coverage that pays for damages to the other vehicle if you cause an accident. However, it does not cover your own vehicle. This is the minimum type of auto insurance required in most states. Many people opt for liability-only insurance if they have older cars that they can afford to replace in the event of an accident.

What Is Comprehensive Auto Insurance?

Comprehensive auto insurance covers the cost to repair or replace your vehicle in the event of non-collision incidents, such as theft, fire, or natural disasters. However, it does not cover damage caused by a collision with another vehicle. Comprehensive insurance is a good option to consider if your vehicle is at high risk for theft or other non-collision events.

What Type of Auto Insurance Is Right for Me?

If you’re unsure about which type of auto insurance is best for your needs, the professionals at JC Demo Insurance Group, serving Matthews, NC, are here to help. We can assist you in shopping for an insurance policy that provides the right level of coverage at a price that fits your budget. Contact us today to get started!

Home Insurance and Burglaries: Everything You Need to Know

Posted on by AgentInsure

No one likes to imagine their home being broken into, but the reality is that burglaries can happen—often when you least expect them. At JC Demo Insurance Group in Matthews, NC, we believe the best defense is a good offense, and that starts with understanding how home insurance can help protect you when the unexpected occurs.

What Does Home Insurance Cover in a Burglary?

If your home is broken into, your insurance policy typically helps cover the cost of stolen items. This could include electronics, jewelry, or even expensive tools from your garage. But it doesn’t stop there. Damage to your doors, windows, or locks caused during the break-in is usually covered as well. This means you won’t be left footing the bill to secure your home again.

The Importance of Documenting Your Belongings

One of the most helpful things you can do before a burglary ever happens is to maintain a home inventory. While it might sound tedious, having a list (and even photos) of your valuables can make filing a claim much smoother and quicker. Insurance companies often require proof of ownership and value, especially for high-ticket items.

Prevention and Peace of Mind

Most policies don’t just help after a burglary—they can also reward you for taking steps to prevent one. Many insurers offer discounts for security systems, deadbolt locks, and smart monitoring devices. Not only are you helping protect your home, but you’re also potentially saving money on your premiums.

If you want to ensure your home is fully protected from burglary and beyond, contact JC Demo Insurance Group in Matthews, NC. We’re here to help you feel safe, secure, and supported—every step of the way.