Month: March 2017

Car Emergency Kit Must Haves

Posted on by AgentInsure

You should be prepared for anything whenever you are operating a vehicle. Your car could break down, or you could suddenly have a flat tire, and you are in an area without cell phone reception. JC Demo Insurance Group has independent agents in Matthews, NC wants to let you know everything you need to have in your emergency car kit.

Homemade or Prepacked Kits

Kits that have everything already packaged together is a great place to start, but you may want to tailor your kit to suit your family and travel needs.

  • Weather – in North Carolina, the temperatures could drop drastically, and you may need a small shovel or window scraper.
  • Family Needs – include extra diapers, baby wipes, hand sanitizer, feminine protection, and pet food.
  • Food and Clothing – add an extra supply of non-perishable food, water, zip lock bags, trash bags, and clothing.

Things You Will Need

Whether you are going to buy a prepacked emergency kit or create one of your own, you will need to have the following items included in your pack:

  • First-aid kit
  • Gloves
  • Screwdrivers
  • Pliers
  • Flashlight
  • Emergency triangle or cones
  • Jumper cables
  • Toothbrush and toothpaste
  • Fire extinguisher
  • Scissors or box cutter
  • Alcohol wipes
  • Microfiber cloth
  • Paracord or a tow rope
  • Blanket
  • Rain poncho
  • Extra cell phone battery

Useful Tips in an Emergency

Keep an empty gas canister in your trunk. If you ever run out of gas, you won’t have to wait for a tow. You can walk to the nearest filling station and back.

Having an automatic battery charger could come in handy if your battery doesn’t start. It is a small device that you can use as a temporary measure instead of calling a tow truck.

Keeping up your vehicle’s maintenance is the best way to preserve your vehicle and keep you safe. The JC Demo Insurance Group in Matthews, NC has auto insurance options that will also help keep you safe on the road.

6 Parts of Home Insurance You Need to Know About

Posted on by AgentInsure

Did you know that home insurance in North Carolina is a multi-peril policy? This special type of policy can cover you for different events at the same time, such as property damage, medical payments, and more. Our team at JC Demo Insurance Group in Matthews, NC will show you the six types of coverage your home insurance includes below.

A. Dwelling – This covers you for major damage to the house and any structural parts attached to it. The amount is often determined by the home’s market value.

B. Other Structures – Similar to dwelling, this part protects any structures on the property that are separate from the house, such as tool sheds and barns.

C. Personal Property – While A and B protect your home’s exterior, C protects the contents inside that you or your family who reside with you own. It may not cover everything inside though, so you’ll want to purchase additional riders for complete protection.

D. Loss of Use – If the home becomes uninhabitable after a natural disaster, this part of coverage will help you pay for additional meals and lodging expenses.

E. Personal Liability – This section will help pay for any accidental injuries at your home that you or a member of your household may be responsible for.

F. Medical Payments to Others – If any visitors get hurt at your home, this part takes care of paying for some of the medical expenses. 

While this summary gives you the big picture,  there are also many other details in a Matthews, NC home insurance policy. Wondering if your insurance covers a specific scenario? Give us a call! Our team at JC Demo Insurance Group is happy to answer any questions you may have.