Is Your Huntersville, NC Home Protected from Plumbing Leaks?

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Huntersville, NC is home to NASCAR’s Joe Gibbs Racing and the annual Carolina Renaissance Festival. Our proximity to Lake Norman and golf courses make us a prime recreation area for the Charlotte region. We have our share of commerce, but it is our 47,000 residents that make living here so special.

According to the 2010 U.S. Census, there are just under 10,000 housing units in Huntersville. Each of these housing units faces an unseen risk. It is the risk of water damage from plumbing leaks.

Damage from plumbing leaks can be quite extensive. If it is not noticed for a period of time, plumbing leaks can lead to mold and even structural damage. We tend to view plumbing leaks as a simple, annoying problem. The reality is it can be very costly.

Of course, water damage can come from a variety of sources. Storms, flooding, roof leaks, and sewer back-ups can all lead to damage. If you are not sure what your homeowners insurance covers, it is time for an insurance review. A home insurance review can help put your mind at ease regarding what water damage you are, or are not, protected from. It can also determine if you are covered in adequate amounts.

We are an independent insurance agency. That means we have the ability to seek out many companies to compare rates. This very often results in better coverage or even better rates. Find out for yourself by visiting our website. You can get a comparative quote on your home insurance and auto insurance right online. It is an easy and convenient way to potentially save money. If you prefer, please feel free to contact us to discuss your coverage. We can determine whether or not your Huntersville home is protected from plumbing leaks.

Who Is Liable In A Collision?

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Throughout North Carolina, there are a number of attractions. People come from all over the world for the national parks, the beaches, and even the major cities, such as Charlotte and Raleigh. Home prices can be affordable and the economy is strong because of the presence of so many large companies.

When you’re in the 28015 area, it’s important to look at automobile insurance. More importantly, you want to know about coverage so you can be well protected.

If you’re in a collision and it was your fault, then you are the one liable for the entire aspect of the accident. This includes property damage as well as any personal injuries.

Within North Carolina, the state mandates the minimum levels of coverage that you need to maintain on a policy at all times. This is the liability coverage. If you have $25,000 worth of coverage for property damage and the collision totals up to $50,000 worth of damage, the remaining $25,000 is not going to be covered by the car insurance and that’s because you don’t have the coverage. This means that the $25,000 that isn’t covered is your financial responsibility.

Liability is a big deal and therefore you need your automobile insurance policy to protect you. Increasing the liability on your policy isn’t as expensive as you may think. Doubling or even tripling the coverage isn’t going to double or triple the cost of your premium – and that means you can add a significant amount of coverage and only spend a little bit of money.

At fault versus no fault states determine liability differently. If you’re in a no fault state, then you would be responsible for what happens on your end with the collision and the other driver would be responsible for what happened on their end.

Either way, we have agents to help with coverage.

Car Insurance In North Carolina: The Impact Of Adding A Spouse

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North Carolina is located on the East Coast of the United States. It offers mountains, beaches, and major metropolitan cities. It is situated right between the north and the south, offering a lot of charm and sophistication.

If you’re a resident of North Carolina, you want to make sure you have car insurance to stay legal while driving on the roads. There are a lot of details that go into the cost of a policy and when you want to add a spouse to that policy, it’s important to know the impact.

If you and your spouse currently have separate policies, it may be costing you a lot more. This is because you’re not qualifying for any discounts, such as multi-driver or multi-car.

It’s a good idea to work with an independent agent to learn about all of the options. We can talk to you about the coverage options and find quotes for you from the multiple companies. Whether both of you have policies right now or not, there are options to keep the costs down and we will explain them all when you call.

There are many good car insurance companies that write policies in North Carolina. Some will offer more discounts than others and that’s why we’re here. We have been working with the companies for a while and so we know which ones are going to offer you the best deals given your situation.

It doesn’t matter whether you are newlywed or you have simply been on separate policies up until now. When you want to add a spouse to your policy, it can actually be a good thing.

Contact us today and let one of our independent agents start finding you quotes to give you a great price on a policy.

Even Landscapers Need Business Liability Insurance in North Carolina

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North Carolina is full of beautiful homes and gorgeous lawns. For most of these yards, that lush, green grass couldn't be achieved and maintained without landscapers. Therefore, this may be a good business to have in North Carolina, even if there is some competition. Whether you have had a landscaping business for some time or considering a start-up, it is important that you have professional liability insurance.

When Might Liability Insurance Come in Handy?

In order to fully understand how liability insurance can help you out of a sticky situation, let's look at an example. Let's say that you were contracted by a regular customer to install some outdoor landscape lighting. Unfortunately, you were booked and they needed it by the end of the week for a big weekend gathering. You hire a friend of yours who has worked with you in the past to help out. The work turns out excellent.

Sadly, one of the party guests gets injured because one of the wires was not buried appropriately and they tripped and fell. The customer says you are responsible and wants you to pay. If you don't have liability insurance, then this type of situation could literally derail your business. However, liability insurance can help you pay for legal fees as well as court settlements.

Don't Put Your Company at Risk

If you aren't covered, then your business is at serious risk. Take the time to consult with one of our local independent insurance agents to discuss what insurance needs your business in North Carolina has. Our commercial insurance agents are here to help you in every way possible to ensure that your landscaping business stays on track with the right type and amount of business coverage.

Life Insurance In North Carolina: What To Look For

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Throughout Matthews, North Carolina, you have the best of both worlds. The town is quiet enough to enjoy the small town feel. However, you are close enough to Charlotte to enjoy the bustling city life whenever you wish.

When you begin to shop for life insurance, it’s important to know what to look for. There is a lot of terminology and it can become confusing. There’s term life, whole life, and universal life. Some have monetary amounts attached to them and some you have to determine how long you wish to purchase insurance for.

You want the best for your family in the 28105 zip code and therefore it’s not a decision you can make quickly. We have some of the best agents and this makes it easy to learn about all of your options. We can walk you through such decisions as:

– The type of insurance to buy

– The level of monetary award

– The term

There are decisions to make to buy life insurance in Matthews, North Carolina. We have some of the best agents to talk you through the process and help you with the decisions. We can also make comparisons between the various life insurance companies.

Ultimately, when you obtain life insurance in the 28105 area, you want to make sure you have enough value to your life insurance that your family is protected when you ultimately die. What could provide financial sustenance now may not be enough 10 or 20 years from now and that’s why the best agents should work with you throughout the process.

Call us today and let one of our life insurance agents talk to you about a policy that is affordable and will provide coverage for you and your family in the event that you pass away.

How Do I Know What Is Covered On My Homeowner’s Insurance?

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Matthews, North Carolina is just outside of Charlotte. Being so close to the metropolitan city, there are plenty of things to do, including going to museums and galleries, various shopping centers, and the NASCAR speedway.

When you look at your homeowners insurance, you want to know what is and is not covered. Your home in the 28105 area may be covered against the basics such as fire and burglary, but beyond that, you may not know.

There are various personal injury claims that could be filed against you as a result of someone injuring your home. Such instances could include:

– A guest falling

– Someone getting a DUI after driving home from your house

– A contractor falling

These scenarios need to be explored when you shop for homeowner’s insurance in Matthews, North Carolina. This way you can ensure you have the proper level of coverage in the event someone files a personal injury claim. With the right coverage, the insurance company pays for the damages instead of it being your financial responsibility.

Your home in 28105 needs to be protected. You don’t have to figure it all out on your own. It’s understandable that you have questions and homeowner’s insurance companies make it confusing on purpose. Our agents can answer questions you have about protecting your home in Matthews. We have the experience to speak honestly about the coverage options in North Carolina and can let you know about the geographic necessities as well, such as flood insurance, wind coverage, and more.

Call and talk to one of our agents today. We can talk to you about what is covered on your policy and help you to find the coverage you need. We can get you quotes to make the comparison process easier as well.

Does My Homeowner’s Insurance In North Carolina Cover Foundation Problems?

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North Carolina has a lot to offer its residents. There are several metropolitan cities within this southeastern state that feature high-end restaurants, shopping centers, museums, and art galleries. There are some gorgeous Atlantic beaches and there is also the Great Smoky Mountains.

When you search for homeowners insurance, you want to make sure it is going to protect against anything and everything – including a sinking foundation. Not all policies are the same and you have to read the fine print. Otherwise, a claim could be denied and the repairs would be your responsibility.

A home inspection is likely going to be required when you buy homeowner’s insurance to ensure there are no foundation problems to begin with. If you already have a porch, it will be included. Otherwise, you would have to call and add the presence of a porch once it was added. The reason is because the insurance company would have to adjust what you do and don’t have.

If you were to file a claim on insurance for a sinking foundation and you had failed to disclose the fact that you have a porch, the foundation repairs may be covered, but the porch would be excluded because it wasn’t included within your policy.

You want the best for your home in North Carolina and therefore you have to be mindful of what your homeowner’s insurance does and doesn’t include. Our agents can work with you to find a coverage that includes anything and everything you want it to include. This goes for damages against fire, break-ins, storms, flooding, and much more.

Don’t try and buy home insurance without some kind of assistance. We have professional agents who can talk to you about the requirements in North Carolina and ensure you have a high level of protection on your home.

The Best Agents with the Best Prices in Matthews, NC

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Matthews, NC 28105 has the small town atmosphere, but it’s next to Charlotte. It’s pretty difficult to avoid Charlotte if you live in Matthews. When you drive in and around Charlotte, the risk of an accident increases like it does in any big city, and if it’s a serious accident, minimum liability insurance isn’t nearly enough.

North Carolina requires the operator of any motor vehicle on its roads to be financially responsible. Applicable law requires minimum liability limits in North Carolina of $30,000 per person in liability coverage, $60,000 of liability per occurrence, and $25,000 in property damage coverage per occurrence. Although that minimum liability insurance is better than in many states, it’s still not nearly enough, particularly if an accident is caused by an uninsured driver. That’s just one of the reasons why you want the benefit of an independent insurance agent. We’re not just insurance agents. We’re trained, experienced and trusted financial advisors who are looking out for your best interests.

Any insurance agents can give a quote, but many agents don’t place your best interests first. Your independent insurance agent is a member of your Matthews community. We have access to coverage from many car insurance companies, and we provide the advantage of giving objective and unbiased advice and service, even if you have a claim. We stake our reputations in our community on our service.

You’re planning on being around for a long time, and you want your insurance agent to be around a long time too. Customer satisfaction is our goal. That’s our key to doing business in our little community. The policies we sell aren’t one size fits all. We’ll find the best car insurance policies and quotes available for you. That’s our promise.

The Best Agents with the Best Prices in Matthews, NC

Posted on by AgentInsure

Matthews, NC 28105 has the small town atmosphere, but it’s next to Charlotte. It’s pretty difficult to avoid Charlotte if you live in Matthews. When you drive in and around Charlotte, the risk of an accident increases like it does in any big city, and if it’s a serious accident, minimum liability insurance isn’t nearly enough.

North Carolina requires the operator of any motor vehicle on its roads to be financially responsible. Applicable law requires minimum liability limits in North Carolina of $30,000 per person in liability coverage, $60,000 of liability per occurrence, and $25,000 in property damage coverage per occurrence. Although that minimum liability insurance is better than in many states, it’s still not nearly enough, particularly if an accident is caused by an uninsured driver. That’s just one of the reasons why you want the benefit of an independent insurance agent. We’re not just insurance agents. We’re trained, experienced and trusted financial advisors who are looking out for your best interests.

Any insurance agents can give a quote, but many agents don’t place your best interests first. Your independent insurance agent is a member of your Matthews community. We have access to coverage from many car insurance companies, and we provide the advantage of giving objective and unbiased advice and service, even if you have a claim. We stake our reputations in our community on our service.

You’re planning on being around for a long time, and you want your insurance agent to be around a long time too. Customer satisfaction is our goal. That’s our key to doing business in our little community. The policies we sell aren’t one size fits all. We’ll find the best car insurance policies and quotes available for you. That’s our promise.

About JC Demo Insurance Company in Charlotte, NC

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Insurance coverage exists for many situations that would otherwise result in significant financial impact for an individual or a business. Instead of being driven to bankruptcy, you have insurance cover the legal fees and costs associated with a liability lawsuit. This works for at-fault accidents you cause driving, people getting injured or killed on your property, and harm caused by products you sell as a business.

Insurance can also help mitigate the long lasting damage that comes from theft, fire, loss, and other natural disasters. For personal insurance, you can get the contents of your home or apartment replaced or repaired. This helps you with rebuilding your life after a major disaster, so you aren’t paying for clothes, furniture, and other valuable assets out of pocket. For a business, not only does this type of insurance cover replacement costs, but it also insures the cash flow of the business while they are unable to operate.

When you set up an insurance policy, you choose your coverage level, the perils that are named in the policy, and your deductible. The monthly premium that you pay for your insurance depends on the amount of total coverage you have, whether you have a low or high deductible, and the range of coverage on the policy. You may be able to get a discount on your insurance if you have multiple policies with the same company.

Need help figuring out what insurance policies work best for your life? At our insurance company in Charlotte, NC we offer a free online quote system that helps you to understand exactly what you need, how much coverage you need, and how much it ends up costing you on a monthly basis.