The Importance of Regularly Replacing Your Windshield Wipers

Your windshield wipers help remove rain and debris from your windshield while driving. This helps to ensure you can see as you are on the road. Here at JC Demo Insurance Group, serving the greater Matthews, NC area, we know that many drivers know what their windshield wipers are used for but do not often realize why replacing them regularly is so important. Here are a couple of those reasons. 

It helps Increase Your Visibility.

The number one reason why it is so vital that you regularly replace your windshield wipers is that doing so helps to increase your visibility. It helps to ensure that you cannot see due to smudges or smears that can occur when your windshield wipers are worn or damaged. 

It helps Prevent Windshield Damage

The other reason why it is so crucial that you regularly replace your windshield wipers is that worn wipers can damage your windshield, leaving behind scratches. These scratches can be permanent, and the only way to remove them may be to replace your windshield. Your windshield is much more expensive than simply replacing your windshield wipers. 

Having windshield wipers in good condition helps to ensure that moisture and debris can be removed from your windshield while driving, helping to decrease the chances of an accident occurring because you cannot see. While replacing your wipers can help to decrease your chances of an accident for these reasons, it can not prevent an auto accident altogether. This is why having auto insurance that fully covers and protects you is so important. The JC Demo Insurance Group team, serving the greater Matthews, NC area, can help you find the right insurance policy. Call us today to get started. 

The Importance of Regularly Replacing Your Windshield Wipers

Your windshield wipers help remove rain and debris from your windshield while driving. This helps to ensure you can see as you are on the road. Here at JC Demo Insurance Group, serving the greater Matthews, NC area, we know that many drivers know what their windshield wipers are used for but do not often realize why replacing them regularly is so important. Here are a couple of those reasons. 

It helps Increase Your Visibility.

The number one reason why it is so vital that you regularly replace your windshield wipers is that doing so helps to increase your visibility. It helps to ensure that you cannot see due to smudges or smears that can occur when your windshield wipers are worn or damaged. 

It helps Prevent Windshield Damage

The other reason why it is so crucial that you regularly replace your windshield wipers is that worn wipers can damage your windshield, leaving behind scratches. These scratches can be permanent, and the only way to remove them may be to replace your windshield. Your windshield is much more expensive than simply replacing your windshield wipers. 

Having windshield wipers in good condition helps to ensure that moisture and debris can be removed from your windshield while driving, helping to decrease the chances of an accident occurring because you cannot see. While replacing your wipers can help to decrease your chances of an accident for these reasons, it can not prevent an auto accident altogether. This is why having auto insurance that fully covers and protects you is so important. The JC Demo Insurance Group team, serving the greater Matthews, NC area, can help you find the right insurance policy. Call us today to get started. 

Home Insurance for Your Historic Home

Founded during the 1800s, Matthews, NC offers many historic properties, but these require the coverage of a specific home insurance policy – an HO8 policy. The HO8 policy from JC Demo Insurance Group covers any architecturally significant home but most frequently gets purchased locally to cover older properties.

Which Homes Qualify for an HO8 Policy?

While owners of newly built homes typically choose HO3 policies, owners of homes designated for historical preservation purchase HO8 policies. Others qualify for this beneficial policy, though.

  • If you own a home built 50 years ago or more, your home may qualify for a historical policy. Some underwriters allow these policies for homes built as recently as 40 years ago.
  • Suppose you own an architecturally significant home, such as one designed by a world-famous architect or built in a unique style or with imported materials. In that case, your home may qualify for an HO8 policy.

What Makes an HO8 Policy Different?

A historical home policy offers replacement cost value for a historic or architecturally significant home. That means that if something happens to destroy the house you own, your policy would fully cover rebuilding it. 

So, if you import carved wood doors from Italy, and fire damages them, your HO8 policy covers replacing them – not with any old doors, but with new carved wood doors from Italy by the same artisan. An HO3 policy wouldn’t typically cover the replacement of the exact materials originally used.

Contact JC Demo Insurance Group

Contact JC Demo Insurance Group to learn more about protecting your historical home in Matthews, NC with an HO8 policy. Let us help you protect your investment.

What comes with a typical auto insurance plan in North Carolina?

Owning a car in the Matthews, NC area continues to be a good idea. When you are a vehicle owner in this part of the state, you will find it makes it much easier to get around the community. As you are looking for a car, you should also consider your insurance needs. A standard auto insurance plan in this state offers various forms of coverage. 

Protection for Your Car

One of the ways that your auto insurance plan here can protect you is by giving support and protection for your car. If you are a car owner, being able to replace or repair it following an accident or other situation is always a good idea. If you have a full auto insurance plan with comprehensive support, you will have the coverage to protect your car. 

Liability Coverage

Your auto insurance plan will also give valuable liability protection. There is always a risk that you could cause an accident that results in damage. In these situations, your auto liability insurance plan will give you the necessary coverage to offset these damages. Not only is this a helpful form of coverage, but you will be required to carry liability insurance if you want to drive a car on the road throughout the state. 

There are plenty of great reasons to get an auto policy in the Matthews, NC area. When you are ready to start shopping for a plan, you should begin your search by calling the JC Demo Insurance Group. There will always be plenty of choices and options to consider when looking for auto coverage, and the JC Demo Insurance Group can simplify the process for you. This will give you comfort that you are selecting an ideal plan for your situation. 

Four Tips When Shopping For Home Insurance

Home is a whole investment. You’ve probably spent all your savings on building or buying your home. That said, there is a lot to consider about the safety of your home. One of the ways to protect your home is by buying home insurance.

However, when buying home insurance, you need to consider factors besides the price. At JC Demo Insurance Group, we want to give the best tips to have in mind when purchasing home insurance.

Know what the policy covers and the exclusions

The first thing you need to do is read your policy carefully to understand the coverages and the exclusions. Standard home insurance protects against fire, vandalism, and roof leaks but excludes damage from maintenance issues like pest infestations and mold. Floods and earth movements are also not included, and you may require separate coverage.

Decide the coverage you need

Knowing what the policy covers and its exclusions help you decide how much coverage you need to protect your home thoroughly. To guide you on what coverage you need may be the location of your home and the contents inside your house.

Add liability protection

Most people focus on the house and belongings and may overlook liability coverage. Liability insurance covers common accidents that may happen to a third party in your compound. For example, bad falls or dog bites may attract high medical expenses and even lawsuits if you get sued, which gives you enough reasons to purchase liability coverage.

Consider the replacement cost value.

When getting your home insurance, ensure the policy covers you fully in case a catastrophe damages your home completely. Your policy should be adequate to rebuild your house from scratch.

Home insurance in Matthews, NC

The tips above will help you get the proper coverage for your home. Ready to purchase home insurance in Matthews, NC? Please get in touch with JC Demo Insurance Group for a quote.

Protect Your North Carolina Small Business With Commercial Insurance

As a small business owner, you have your hands full with the day-to-day operations of your company. It’s challenging to find time to think about things like commercial insurance. But protecting your business with the right insurance policy is essential. Not only will it give you peace of mind, but it will also give you financial protection if something goes wrong.

Types of Commercial Insurance

There are many types of commercial insurance available, and the type you need will depend on the size and type of business you have. Some common types of commercial insurance include:

Property Insurance

This type of insurance can help cover the cost of repairs or replacement in the event of fire, vandalism, or other covered events that damage your property.

Liability Insurance

This type of insurance can help cover the cost of medical bills, legal fees, and more if an injury occurs on your property or if you’re sued for damages. A JC Demo Insurance Group agent can help you determine the right amount of coverage for your business.

Product Liability Insurance

This type of insurance can help protect your business from financial loss if a product you sell causes injury or damage. 

Commercial Auto Insurance:

If you have company vehicles, this type of insurance can help protect your business from financial loss in an accident. 

As a small business owner, you must ensure you’re adequately protected with commercial insurance. This type of insurance can help cover the cost of property damage, liability, and more. These are only some of the different commercial insurance available to benefit your small business. Contact JC Demo Insurance Group in Matthews, NC today if you have questions about commercial insurance or want a quote.

How to Avoid Leaving Your Loved Ones Unprotected by Purchasing Life Insurance

No one likes to think about their death. It’s a morbid topic that most of us would rather avoid. But the truth is, death is a part of life. And if we don’t plan for it, we could leave our loved ones in a challenging position. One of the best ways to protect your loved ones is to purchase life insurance.

But how does life insurance protect your loved ones? Below are four ways:

1. Life Insurance Can Pay Off Your Debts

If you have any outstanding debts – such as a mortgage, car loan, or credit card debt – life insurance can help your loved ones pay them off. This can be a huge burden lifted off their shoulders, and it can help them avoid financial hardship. The last thing you want is for your loved ones to struggle financially after you’re gone.

2. It Can Replace Your Income

If you are the primary breadwinner in your family, your death could have a significant financial impact on your loved ones. Life insurance can help replace your income and maintain your standard of living. This is especially important if you have young children who depend on you financially.

3. Life Insurance Can Pay for Final Expenses

When you die, some final expenses will need to be paid – such as funeral costs, burial costs, and any outstanding medical bills. These expenses can add up quickly and can be a financial burden on your loved ones. Life insurance can help pay for these expenses, so your loved ones don’t have to worry about it.

4. The Policy Will Help Your Loved Ones Keep Their Home

If you are the primary breadwinner in your family and you have a mortgage, your death could put your loved ones at risk of losing their home. Life insurance can help pay off the mortgage, so they don’t have to worry about it. This can give them peace of mind and security during difficult times.

5. Life Insurance Can Ensure Your Loved Ones Pursue Their Dreams

If you have young children, you might consider purchasing a life insurance policy to help pay for their education. This can be a great way to help your loved ones pursue their dreams and reach their full potential.

Purchase Life Insurance and Protect Your Family Today

Purchasing life insurance is one of the best ways to protect your loved ones. It can help pay off debts, replace your income, pay final expenses, and keep your family in their home. It can also help pay for your children’s education. If you’re looking to purchase life insurance for Matthews, NC, JC Demo Insurance Group can help. We offer a variety of life insurance policies to meet your needs. Contact us today to get started.

How To Choose the Best Home Insurance Policy for Your Needs

Your home is likely your most valuable asset, so it’s important to protect it adequately. Home insurance can help cover the cost of repairs or replacements if your home is damaged by fire, theft, or other covered events. But with so many different policies available, how do you choose the best one for your needs? 

1. Determine What Type of Coverage You Need

The first step in choosing the best home insurance policy is to assess your coverage needs. Consider what type of events you want to be covered against and how much coverage you’ll need. It would help to consider whether you need replacement cost coverage or cash value coverage.

2. Compare Policy Costs

Once you know what coverage you need, you can start shopping around for the best policy. Be sure to compare the costs of different policies before making a decision. Remember that the cheapest policy may not always be the best option. It is better to pay more for a policy that provides the coverage you need than to pay less for a policy that doesn’t offer adequate protection.

3. Read the Policy Details Carefully

Before you purchase a home insurance policy, be sure to read the fine print. Pay attention to things like the deductible, policy limits, and exclusionary clauses. These details can significantly impact your coverage, so it’s essential to understand them before you buy.

4. Consider the Reputation of the Insurer

When shopping for home insurance, it’s also important to consider the insurer’s reputation. Make sure you’re working with a financially stable company with a good track record in paying claims. This will help ensure you get the best possible value for your money.

Get Home Insurance in Matthews, NC

As you can see, there are a few things to remember when shopping for home insurance. By following these tips, you can be sure that you’re choosing the best policy for your needs. JC Demo Insurance Group is a great option if you’re looking for an excellent home insurance policy. We offer various coverage options, and our policies are affordable. Contact us today to get started.

Coverage Types Available Under Auto Insurance

Auto insurance is one of the most important purchases you will make as a car owner. It protects you financially if your vehicle is involved in an accident, theft, or other damages. There are many different coverage types available under auto insurance, and it can be challenging to know which one is right for you. JC Demo Insurance Group in Matthews, NC can help you choose the right coverage for your needs. Here are some of the coverage types available under auto insurance.

1. Liability Coverage

This is the most basic type of coverage required by law in most states. Liability coverage pays for damages to other people or property if you are at fault in an accident. It does not cover any damage to your vehicle. Having enough liability coverage to protect your assets if you get sued is essential.

2. Collision Coverage

Another important type of car insurance is collision coverage. This covers damage to your vehicle if you are involved in a collision with another car or object. If you have an older car, you may not need this type of coverage since it will not be worth much money. However, if you have a newer car, it is essential to have this coverage in case of an accident. JC Demo Insurance Group offers collision coverage in Matthews, NC.

3. Comprehensive Coverage

Comprehensive coverage protects you from damages caused by accidents, such as theft, weather damage, or vandalism. It is optional in most states, but like collision coverage, it may be required if you have a loan or lease on your vehicle. This coverage is essential if you live in an area with a high crime rate or severe weather conditions.

Conclusion

There are many different coverage types available under auto insurance. The right coverage for you will depend on your needs and the laws in your state. JC Demo Insurance Group in Matthews, NC can help you choose the right coverage for your needs. Give us a call today to get started.

What Are Some Common Claims Made Under Commercial Insurance Policies?

Knowing the most common commercial insurance claims is crucial when purchasing commercial insurance. The information will guide you in picking the coverages that offer the most protection under your commercial insurance policy. Here are the prevalent claims under commercial policies.

1. Burglary and Theft

Commercial enterprises risk burglary and theft from petty criminals, disgruntled employees, and angry customers. Given this extensive risk, it’s no surprise that the most common business insurance claim is burglary and theft. It accounts for an estimated 20% of all business insurance claims.

2. Fire

Many businesses in Matthews, NC underestimate the risk of fire at their premises. However, there can be many fire causes at a business premise, some of which might seem almost impossible until they start a fire. Fire usually results in substantial property damage, and it can be very challenging for an enterprise with no business insurance to recover from a devastating fire. At JC Demo Insurance Group, we advise you to frequently do a fire risk assessment for your business premises to mitigate the fire risk.

3. Weather Damages

Weather damage can be caused by wind, hail, snow, and even ice-cold weather freezing the pipes within the business premises. Natural disaster-related to weather can cause a business to shut down for an extended period. Data suggests that roughly 25% of companies that shut down due to a weather-related natural disaster never reopen, mainly because they didn’t have commercial insurance.

4. Customer Injury

Have you ever asked yourself – what if a customer gets injured or has their property damaged while on your business premises? The injured customer will likely sue the business for injury or damage claims, which can damage your business finances, depending on their injury or damage. This is why most customer-facing enterprises get general liability coverage in their commercial insurance.

Contact JC Demo Insurance Group for commercial insurance assistance in Matthews, NC.