Author: AgentInsure

Life Insurance Myths Exposed

Posted on by AgentInsure

JC Demo Insurance Group serves the Matthews, NC community, as well as the surrounding areas. We have an established track record of helping our clients find the coverage they need to protect their assets. We proudly serve the community as an independent agency. This allows us to offer policies that grow along with our clients as their lives change. We look forward to helping you with your insurance needs.

Life Insurance Myths Exposed

At some point, everyone has to start making plans for the future. Thinking about the future is often uncomfortable. Life insurance can help you put things in place for your loved ones after you have passed away. Life insurance can help your loved ones give you a proper funeral and settle your personal affairs. If you are a business owner in Matthews, NC, life insurance can help you turn over your business to your loved ones without any complications. You can also use the policy to help secure your children’s future. While researching life insurance policies, pay attention to these common life insurance risks.

I Don’t Need Coverage Because I’m Single

Even if you are unmarried with no children, life insurance is still an asset. For example, it can help your loved ones take care of your home or vehicle.

Life Insurance Isn’t Necessary Because I Stay At Home

Even if you are a stay-at-home parent, life insurance is an asset because it allows you to put something in place so that your loved one can take over your role with care, transportation, and other services that you performed. Life insurance helps ensure that things continue to function somewhat smoothly during the grieving process.

JC Demo Insurance Group Will Help You Cover Your Assets

Visit our website to learn more information about life insurance.  

How Commercial Insurance Protects Your Business

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If you have a business in North Carolina, there are types of commercial insurance that you may need for that business. There are two types of commercial insurance that are required for certain businesses, and it’s important to know whether your business is one of them. If you need commercial insurance, give us a call at JC Demo Insurance Group in Matthews, NC.

Workers’ Compensation

This type of insurance coverage pays for the medical bills that result from an employee being injured on the job. When this happens, it can result in high medical bills, and this coverage protects you by preventing your employees from having to sue your company to get those bills paid. It can also pay lost wages to your employee as well as providing disability benefits. This is required in North Carolina for all businesses that have at least three employees, whether they are part-time or full-time. 

Commercial Auto Insurance

Every vehicle that is owned by a business in North Carolina has to have a commercial auto insurance policy on it. This protects your business against accidents that can happen with work vehicles. There are different coverage amounts that are required to be included in the auto policy. The policy must have a set minimum amount of coverage for bodily injury liability for one person who has been injured and has medical bills. There is another set minimum amount required for bodily injury liability for two or more people who are injured. There is also a set minimum amount required for property damage liability. If you run a trucking company, there may be other insurance coverages that you are required to have to meet regulations.

Get Your Business Insured

If your business needs commercial insurance, don’t wait. Give us a call at JC Demo Insurance Group in Matthews, NC.

Who should get home insurance in North Carolina?

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Buying a home can be a great way to invest in yourself and your future while also ensuring you have a consistent place to live. When looking to buy a home, the Matthews, NC area can be a great place to purchase. As you are looking to buy a home, you also need to choose a quality insurance plan for it. There are various situations when someone should get a home insurance plan in this state.

When Looking to Protect Important Asset

A primary situation when someone will look to get home insurance will come when they are looking to protect their most important asset. Your home is a major investment and a place you will live. With home coverage, you will have financial support if the home is damaged and needs repair. You can also get protection for your personal assets.

When Required to Carry Coverage

It is also common for people in the state of North Carolina to be required to carry home insurance. Those that buy a home are likely to take out financing to facilitate the purchase. In these situations, people are likely to be required to carry insurance until they have fully paid off their loan. Also, if the home is part of a larger association, the community guidelines will have standards set for both property and liability coverage. 

In the Matthews, NC area, having a proper home insurance plan should be a priority. When you are evaluating your options, you can begin your search by speaking with the JC Demo Insurance Group. There continue to be a lot of choices to make when looking for home coverage and JC Demo Insurance Group will help you build a plan that protects your home and meets your needs for coverage. 

Types of Car Insurance

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Whether you have just bought your first vehicle or you are shopping around for new insurance for your current vehicle, the truth is that no coverage is exactly the same. There are many types of car insurance to choose from. You can pick and choose the right plan to fit your budget. 

So, what are the types of insurance that you may want to consider? 

Most basic plans just include liability insurance. This will protect you if you injure someone in a car accident. It will pay their medical bills. It will also cover property damage if you do damage to someone’s fence or garage. 

If you are worried about your car (and you don’t want to have to buy another one out of pocket), you may want to consider collision insurance. This will cover the damage to your car if you are in an accident. If it is totaled, the insurance company will give you fair value so that you can buy a new one. 

If you want to be fully protected, you may want to get uninsured or underinsured insurance. This will pay for any damage that the other person’s insurance won’t cover. It will start covering after they won’t pay anymore. 

You may also want to consider getting comprehensive insurance that pays for damages that may happen when you aren’t behind the wheel. This may include fire damage, along with storm damage. It also covers theft and vandalism. 

If you want to make sure that you have the right coverage for yourself, you should contact a professional. Here at JC Demo Insurance Group in Matthews, NC, we would be glad to talk to you about your options. 

Can You Have More Than One Life Insurance Policy in North Carolina?

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Yes, you can have multiple life insurance policies in North Carolina. It is not only legal, many people do it. Life insurance is a flexible system where you invest what you want and where you want to invest it. 

Many employers offer life insurance through their benefits packages, with coverage that often isn’t more than $50,000. At JC Demo Insurance Group, we know how common it is for Matthews, NC residents to want to ladder life insurance policies. 

The Purpose of Life Insurance

The primary function of life insurance is to cover funeral costs and pay some bills. 

You may be concerned about other things that could happen in your life with your dependents and beneficiaries. In this case, you might consider additional life insurance policies.

Why Own Multiple Life Insurance Policies

There are a number of reasons why you might want to own a number of life insurance policies. You might need more coverage from an additional policy if you don’t like the limit on your work policy.

You might just want more coverage because you want more coverage. Maybe you have a new home or just had a child. 

You might also get more life insurance coverage if you think you will have a lot of debts when you pass away. You won’t want to leave those to your dependents or beneficiaries, because that will eat up a large portion of your life insurance. 

Many people also get additional coverage as an income replacement for their beneficiaries. If you have a special needs or disabled dependent, you may need some additional coverage.

Get a Quote

When you are looking for life insurance, know that, yes, it is possible to own multiple policies in Matthews, NC. At JC Demo Insurance Group, we want you to have the amount of life insurance that you need. If you want to update your existing policy or add a new policy to your portfolio, call us for a quote today.

Everything you need to know about commercial insurance

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Commercial insurance, at its most basic level, is designed to keep businesses safe from hazards that could jeopardize their success. Commercial line coverage can be tailored to safeguard a company’s reputation, well-being, and financial status, as well as the individuals that work for it, depending on the policy. 

Commercial insurance, unlike personal insurance, can cover a variety of stakeholders and personnel. Commercial insurance varies from personal insurance in that it often has significantly greater coverage limits because the more tangible property is at stake. 

Commercial insurance agents, for example, our agents from JC Demo Insurance Group have received extensive training in the risks and challenges that firms face. Policies are frequently designed to meet the needs of a company’s specific industry and day-to-day operations. 

Types Of Commercial Insurance  

  • Business Liability insurance 
  • Commercial Property Insurance 
  • Workers’ Compensation Insurance
  • Commercial Auto Insurance
  • Business Income Insurance  
  • Commercial Umbrella Insurance
  • Crime Liability Insurance 

Benefits Of Having Commercial Insurance 

Running a business entails a certain amount of risk. 

Employees may get hurt on the job, clients may initiate lawsuits, and natural calamities may strike. 

It is critical that you obtain commercial insurance for your company for these and other reasons. 

The following are the top 8 advantages of having commercial insurance.

  • Provides coverage for physical injuries.
  • Provides coverage for property damage.
  • This policy protects you from the consequences of your advertising.
  • Assists in minimizing financial losses. 
  • Litigation and settlement coverage.
  • Assists in maintaining company continuity. 
  • Assists in risk-sharing. 
  • It safeguards the company’s image.

JC Demo Insurance Group provides very low commercial insurance coverage and has a lengthy track record of financial soundness and stability.

To discover more about JC Demo Insurance Group commercial insurance, visit our office in Matthews NC or call us today.

Good reasons to review your home insurance policy

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Home insurance is something that needs to be updated on a regular basis as things in your life and in your home change. There are many good reasons to review your home insurance policy. The best way to make sure that you have the coverage you actually need is to make sure you keep an eye on your policy and your coverage. At JC Demo Insurance Group in Matthews, NC, we have been serving the needs of residents for the last 20 years. 

When your policy renews

Most home insurance policies are renewed yearly. When it is time for the renewal, you will get a declaration page as the first page of your policy. It will give you all the pertinent information about your coverage. Don’t just do the renewal without giving it a good look over. Things change over time and what may have been adequate coverage when you purchased your policy may no longer meet your needs. 

You’ve made major improvements

If you have made major improvements to your home, you should inform your insurance agents so they can make sure that your coverage keeps pace with the value of your home. Some improvements can save you money on your insurance, if you have replaced your roof or if you have added a home security system. These are things you also need to inform your agent about. 

You have made additions to your home

If you have added a dog, a pool, or a trampoline, you may need to review the amount of liability coverage that you have. All of these things pose an additional risk and having more liability coverage is a good idea.

Reviewing your home insurance is something that all homeowners need to do on a regular basis. At JC Demo Insurance Group in Matthews, NC, we are here to help with any changes you need to make to your home insurance. 

Who Needs Auto Insurance in Mathews, NC

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Owning a car comes with a great sense of freedom but also requires you to show financial responsibility. And speaking of financial obligations, car insurance is an investment that you have to think about during your vehicle ownership journey. Why? Car insurance can come to your rescue when you least expect it.

But who needs car insurance in Matthews, NC?  JC Demo Insurance Group shares persons that need auto insurance.

Those that want to comply with the law

Like most states, North Carolina requires motorists to show proof of insurance ownership when driving on public roads. If you are about to own a car in North Carolina, the law requires you to buy auto insurance with the below minimums:

  • Bodily injury liability of $30,000 per person and twice the amount if you cause an accident affecting several persons.
  • Property damage liability (PDL) with a minimum of $25,000

Failure to carry the required auto insurance may result in non-compliance fines and penalties. Besides, you may be required to foot all the bills for the accidents you are at fault for.

Those that don’t want financial losses

Besides compliance, if you want to safeguard your financial security, you must invest in car insurance. Think of the financial implication if you cause an accident, and you don’t have insurance?

Firstly, you have to cater to medical expenses for injuries you cause. Secondly, you are responsible for property damage you cause to third parties. Thirdly, you have to finance the repair of damages to your car. And finally, if you are sued, the financial burden would be too much to bear.

Buy auto insurance in Matthews NC

Ready to get started with auto insurance? Would you please look no further than JC Demo Insurance Group? After listening to your needs, we will tailor-make a car insurance policy that caters to your unique needs.

How Home Insurance Works

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When you are a homeowner, it’s vital that you have home insurance to protect your future. If you own a home and need insurance for it, give us a call at JC Demo Insurance Group in Matthews, NC to find out more. 

Protection for Your Home

Home insurance protects your home itself. It will pay for repairs that are needed due to covered incidents that happen to your home. These may be disasters, accidents, etc. Without home insurance, all of those repair bills, and even the cost of rebuilding, would be yours to pay. It’s important to keep home insurance for as long as you live in your home because you never know when disaster is going to strike. 

Coverage for Your Possessions

The things that you own in your home are worth a lot and your home insurance protects them as well. If a serious incident were to happen to ruin your things or badly damage them, your home insurance could pay to either repair or replace the items, whichever is needed. This coverage is vitally important, as replacing all of the things in a home is outside the budget of most people. Having funds to replace items is also a good way to be able to move on quickly after a destructive incident. 

Protection Against Liability

When thinking about home insurance, many people think about the protection given to their home and their belongings, but few think about liability protection. With this coverage, when someone has an accident in your home, that accident can be paid for instead of the person having to sue you for the money for medical bills and lost wages. This is important coverage for protecting your finances. 

Get Your Home Coverage

Don’t be without home insurance. If you need this coverage, call us right away at JC Demo Insurance Group in Matthews, NC to get started. 

Required Auto Insurance in North Carolina

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When you have a vehicle in North Carolina, it is required to have the coverage mandated by state law. It’s also the law that you must have proof of your insurance when asked for it. To get the auto insurance that you need, give us a call at JC Demo Insurance Group in Matthews, NC.

Bodily Injury Liability

This coverage will cover accidents that are your fault when someone else is injured by the accident. The state requires you to have at least the required minimum amount for one person who gets injured in an accident. There is another number that is required for two or more people who become injured in the accident. 

Property Damage Liability

There is a set minimum amount of this coverage required for all motorists. This coverage pays for the damage done to someone else’s property in an accident that you are at fault for. 

Uninsured/Underinsured Motorist Coverage

This is another required type of coverage that is helpful when someone who causes an accident doesn’t have enough insurance to pay for your injuries and property damage, or they simply have no insurance at all. This coverage also covers the injuries and damage caused by a hit-and-run driver.  The amount of this that you get is generally tied to the limit of your bodily injury liability protection. 

Other Coverage

When you get all of these coverage types, there is no coverage for damage done to your vehicle if you were the cause of an accident. There is also no coverage for other incidents that can happen to your vehicle when it’s off the road. Many people add collision coverage and comprehensive coverage to cover these situations. 

Get Your Auto Coverage

If you don’t have the required insurance types for North Carolina, you aren’t driving legally, and you face fines and fees. To get your vehicle covered, call us at JC Demo Insurance Group in Matthews, NC.