Author: AgentInsure

Tips and Tricks to Keep Your North Carolina Home Safe During Fall

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Residents of Matthews, North Carolina very often look forward to the fall season, just as residents of other cities around the United States often do. I mean, who can hate fall? The leaves are beautiful, the whether is cool – but not too cold – and there are some great seasonal holidays to look forward to such as Halloween and Thanksgiving. And yet, for all of the comfort and all of the fun that the seasonal changes bring, there are just as many things that the seasonal changes can bring that are a nuisance (or perhaps worse). Cold and dry weather can hurt your home, as can clogged gutters. Here are some handy tips and tricks to keep your home running as smoothly as possible.

One of the first tips that people will often tell you to deal with is to check your doors and windows. This is one of the key areas where the cold whether is most able to creep inside, and when it happens, this is typically due to poor sealant or poor quality of the make of the doors and/or windows. If you have poor insulation from the outside weather, not only can this cause you to spend more money on your heating or air conditioning (depending on the kind of weather you are facing), this can also cause your woodwork and furniture to suffer due to the dryer weather. The wood absorbs the moisture in the air, and without proper insurance covering this, replacing and/or fixing these things may have you paying entirely out of pocket.

It is not too late for Matthews, NC residents to be extra prepared for the fall weather – in addition to all of the practical home improvements, you can seek out the proper insurance plan as well. JC Demo Insurance Group is happy to help you find the insurance plan that is right for you.

No Regrets: Choosing Home Insurance That Works for You

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Everyone has a different view and opinion of home insurance in Matthews, NC. Some people are incredibly cautious and want to ensure that they’ve accounted for every possible event, while other people think that it’s a better bet to get the minimum coverage and just take their chances. Here are a few things to consider before you decide whether or not you want extra coverage on your home. 

Can You Afford the Damages?

This is not just about property damages or about the belongings within the house. If you can’t handle the total costs of potential events and would rather not declare bankruptcy over these issues, then you may want to consider getting additional coverage. Litigation, natural disasters and theft can all end up costing you hundreds of thousands of dollars, even if you think that your home and things inside are of nominal value. 

Understanding the Consequences 

Very few people know their insurance policy inside and out. For instance, many people believe that their home insurance would cover a flood in Matthews, NC, only to find out that they actually have to deal with the water damage on their own (which can be incredibly expensive.) Getting caught unawares is one of the absolute worst feelings in the world, and one that you certainly don’t want to experience after you’ve already been through a terrible disaster. Should you choose to opt out of additional home coverage with full knowledge of your choices, at least you won’t feel blindsided should something terrible happen to you. 

JC Demo Insurance Group Inc. 

Our agents take the time to explain all of this and more to you. As experienced consultants, we want everyone to be aware of what their decisions mean for what is typically the most expensive piece of property they own. If you’re wondering if you should up your coverage, give JC Demo Insurance Group Inc.  a call today for more information! 

 

Why auto insurance is a must in Matthews, NC

Posted on by AgentInsure

Located on the outskirts of Charlotte, Matthews, North Carolina is a suburb that allows residents to be close to all the good things a big city has to offer, but also distance themselves from all the bad things the city has as well. Because of this distance, however, most residents will need vehicles to get around, which means they will probably also need auto insurance of some kind. Below are some of the reasons why auto insurance is a must in Matthews, NC.

FIRST, IT’S THE LAW

Everyone who drives in North Carolina needs auto insurance of some kind so that they can cover an accident that they cause, at the very least. If you don’t have auto insurance or proof of it while you are driving, you will get a ticket if you are pulled over and then still have to get auto insurance before you can legally drive again.

TO PROTECT YOURSELF FINANCIALLY WHILE ON THE ROAD

Auto insurance protects you financially while you are driving. If you don’t have it and are in an accident, you will have to pay for your vehicle’s damage, the other vehicle’s damage or property damage caused by the accident and any medical bills that are incurred from the accident as well out of your own pocket. This could easily be tens if not hundreds of thousands of dollars, which is enough to cripple you financially for a long time. So with auto insurance, this is no longer a concern.

PROTECTION AGAINST LAWSUITS

Sometimes those involved in an accident want to sue for more money or damages. The auto insurance company will protect you from this lawsuit in most cases, rather than you having to deal with it yourself and being on the hook for payment if you lose. 

3 Things to Do After an Auto Accident

Posted on by AgentInsure

Car accidents are unexpected and frightening. Regardless of how careful and cautious a driver you are, you can still be involved in an auto accident. JC Demo Insurance Group is here for you, and will help you through this tough time by providing peace of mind. Read on for three things you must do after you have been involved in an auto accident.

1. Be Prepared

Accidents can’t be predicted, so one of the best things that you can do is to be as prepared as possible. You need at least one set of cones and emergency warning triangles to help to notify traffic and to alert authorities to where the accident occurred.

2. Assess the Situation

Try to remain calm after an accident. If you are alert and able to move, check yourself and your passengers for injuries. If you are unsure if someone is hurt, then you should call an ambulance. Minor accidents can be moved to one side of the road where they are not blocking traffic. Your vehicle’s hazard lights should remain on at all times.

3. For the Record

You need to notify your insurance agent immediately. Whether you feel the accident was your fault or not, do not mention or accept fault at the scene of the accident. Police officers will ask you to account for the damages and ask for specifics regarding the wreck. Do not sign any documents from the other party involved in the wreck. Take as many notes as possible, including damages to all vehicles involved in the wreck, information for all drivers involved, and witness information.

The state of North Carolina requires all drivers to have insurance coverage that is equal to the state’s minimum coverage law. JC Insurance Demo group is ready to help you get the coverage you need. Shop online today to get started.
 

My business hasn’t turned a profit yet. Do I need commercial insurance?

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Every business goes through periods of ups and downs.  This is especially true when a business is first establishing itself; the costs of advertising and new equipment can quickly eat through any profit that the business might make. For a business owner, this can be a particularly trying experience, and all too often they decide to look for other places to cut costs. Unfortunately, too many business owners make the decision to cut their commercial insurance coverage in order to save money.

The truth is that this relatively low-cost coverage is one of the last things that should be cut.  Commercial insurance is often the only thing that protects a business from criminal activity, natural disasters, and other catastrophic events. 

When a business is losing money, it’s often because it just made a big investment in property or equipment.  While it may appear as if there is no money being made, the truth is that profit will come as a result of the investment.  If something happens to that equipment, however, the entire investment is lost.  That prevents the business from ever turning a profit again.

Business owners should consider their commercial insurance as insurance for their investments rather than as a business expense on their equipment and inventory.  Fortunately, there are a lot of ways to save money on a commercial insurance policy.

Talk to the agents at JC Demo Insurance Group if you’re thinking about altering your commercial insurance. They can help you to look for discounts and make suggestions about what changes could be made to help your business to reduce its insurance costs.

Is Final Expense Coverage Enough Life Insurance?

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Many people think that purchasing enough life insurance to cover their funeral and other final expenses is enough. Although their intentions are good, this train of thought is flawed. Of course, the goal is to minimize the expenses you leave to your family, but that doesn’t stop at final expenses. At JC Demo Insurance Group, we’ve found that there are a lot of reasons you should purchase more life insurance.

Life Insurance Can Cover Medical Expenses

These days, we are living longer. As a result of living longer, multiple chronic illnesses have become common within our society. People may develop diabetes, congested heart failure, cancer, or multiples of these diseases. If you develop a disease, then it’s likely that you will have medical expenses that exceed the face value of a basic final expense life insurance policy.

Replace Your Income with Life Insurance

Another reason you shouldn’t purchase a small life insurance policy is that it may place your family in a financial burden. For years, your family has relied on your income. If you are no longer able to provide for your family, how would they make ends meet? It would be difficult. A policy that only covers your final expenses isn’t enough to support your family after you are gone. You need more life insurance.

Pay Off Debt with Life Insurance

If you are like most people, you have debt. In America, debt is a way of life. We accumulate debt to maintain a lifestyle we’ve carved out for ourselves. Unfortunately, many people maintain debt throughout their life. If you have debt, then a life insurance policy that only covers your final expenses will not help your family. They will be responsible for your debt after you are gone. Fortunately, you can choose a life insurance policy that pays down your debt.

We encourage you to visit our website and look over the life insurance policies we offer. We can help you find a policy that fits your budget, and provides your family with money in the event of your death.

Who Has Professional Auto Insurance In Matthews NC

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In virtually every state, auto insurance is necessary to fend off criminal fines. Repeated offenses may lead to the loss of ones driver’s license and eventually a jail sentence.  For most, a vehicle is the second-most-expensive purchase they will make in their lifetime, next to purchasing a house. Cars are not just essential because they’re expensive, but also because of the service that they provide.

Auto insurance is the easiest way to protect this important investment. An important role that auto insurance plays, is providing money for medical costs to people who are injured in accidents that are the your fault. This includes any injuries you may have suffered as well. There’s nothing to in place to stop someone from suing you after an accident even if the opposing driver is in the wrong. However, car insurance gives you a slight pause between legal claims and your wallet. 

Auto insurance can also play a vital role if your vehicle has been stolen or damaged. That’s one of the reasons insurance companies offer a break on insurance if a policyholder consistently parks their car off the street and in a  garage, where the instances of theft and vandalism are much less likely. Because auto insurance helps in so useful, not having insurance can lead to some detrimental times just hoping against any bad news. 

These needs for auto insurance apply to all states in the U.S. And in some areas like Matthews NC, finding the right auto insurance can be difficult.  However, the solution is in JC Demo Insurance Group. A company that handles every customer professionally and according to need. If you live in Matthews NC, Don’t lose the peace of mind you deserve, call JC Demo Insurance Group today.

The five biggest mistakes people make when purchasing home insurance

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When you choose a home insurance policy, remember that your policy will probably be sticking with you for years to come. This means that any mistakes you make in choosing your policy could cost you some long lasting headaches. 

Before committing to a policy, make sure you avoid the following five common mistakes people make when purchasing home insurance:

  1. Focusing too much on prices- As with any other product, you get what you pay for with home insurance. You need to pay attention to how much you’re paying and what you’re getting for what you’re paying. However, you also need to pay attention to how financially secure the insurance provider you’re choosing is so you can be sure of receiving reimbursement for your claims when you’re eligible for it. 
  2. Ignoring policy exclusions- Policy exclusion on home insurance typically include things like earthquake damage, mold damage, and infestation damage. Pay attention to these exclusions and shop around to find a policy that doesn’t exclude coverage for damages that your home could potentially be at risk of. 
  3. Opting for an unaffordably high deductible- High deductibles typically go along with low monthly premiums, so many policyholders choose a policy with a high deductible to save money in the meantime in hopes that they’ll never need to file a claim. Of course, this could leave them in a very difficult situation if damage does occur and a claim needs to be filed. 
  4. Neglecting to shop around for discounts- You may be able to enjoy discounts by getting numerous insurance policies through one provider or by belonging to certain professional associations.

Looking for more advice on choosing the best home insurance policy available? Contact JC Demo Insurance Group with your questions and inquiries. 

Life Insurance – What are the common different types of life insurance?

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Life insurance is important because it allows your family members, whether it be a spouse, children, or parents, to have financial support if you should die.  There are  various types of Life Insurance that can be chosen which offer different financial options and some can offer investment opportunities.  With a bit of knowledge, making the right choice as to which type of life insurance to carry and what fits your needs can be simple.

Term Life is generally the cheapest option for life insurance and the premium paid is a fixed amount each month. This type of life insurance is only good for a fixed amount of time that you pay on it, called a "term".  Once that term is over, which plans usually are 10, 15, 20 or 30 years, so is the life insurance and it will no longer pay out should you die.

Whole Life is considered a permanent policy and will last as long as you are alive and will not expire as term life insurance will.  Premiums are higher than term life but again, are a fixed amount you pay each month.  You can also borrow against the money you have paid in premiums.

Universal Life is also considered a permanent policy but the premium you pay can be flexible as it allows you to change the premium you pay based on a person changing based on life changes.  The premiums also accrue interest which can be used to pay the premium if wanted.

If you want to learn more about each option available and others, call JC Demo Insurance Group at 704-541-5155 or visit us at http://www.jcdemoinsurance.com to learn more about the various types of life insurance and to get started with a new plan. 

Keeping Your Home Green: Tips to Recycle Home Items in Matthews

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Every day we come across items that we’re unsure if we should throw away or put in the trash. If your pizza box still has cheese on it, does that mean you can’t recycle it? What about your old clothes with holes in them, can those be recycled? People dedicated to this issue have made a lot of advancements, so here are some tips to start recycling in Matthews, NC. 

You’ve Come a Long Way

Recycling has come a long way in the past few decades, and it seems that practically everything can be recycled now. Programs in different areas vary, but if you’re really motivated you could probably find a way to recycle most household items. Your books, old ratty clothes, and used containers can all be remade into useful new items for someone else, saving our environment and giving you a greener home. 

Bringing Out Your Creativity

Ever have a friend who always seems to have some sort of project or craft idea going on? You can do it too! Turn your old household items into stuff you actually need around the house. It’s particularly fun if you do these ideas with your children to teach them green habits for the future too. Old milk containers make excellent watering cans or make your own candles by melting down old crayons your kids aren’t using anymore. There are practically an endless amount of ideas out there!

JC Demo Insurance Group knows that in Matthews, NC, people need to keep their homes both clean and safe. Recycling certainly helps with the first part, and we’re ready to help you with the latter part. Give us a call if you need a quote for a new homeowners policy today.