Month: February 2020

Home Insurance in North Carolina

Posted on by AgentInsure

North Carolina is blessed with milder weather compared to other states in the US. Overall, the milder weather does contribute to lesser average home insurance premiums in the state of North Carolina. However, this average can be misleading because the actual premiums for home insurance will depend on several factors such as your exact location, age of the house, which provider you choose and more. A home inspection is typically required before you get home insurance rates finalized. In the inspection, they check several things such as foundation problems.

For most people, their home is the most expensive investment. Home insurance policies protect you financially in case of any damage caused by wind, storms, vandalism, fire and more. Keep in mind flood insurance and earthquake insurance are not included in home insurance policies and if your home is a high-risk region for floods or earthquakes, you must consider getting an additional policy to get coverage for them. Most mortgage lenders require you to have home insurance as they want to not protect the asset they are lending money on. Whether required by lenders or not,  it is highly recommended you get adequate home insurance as the benefits of home insurance outweigh the relative cost of premium payments. You don’t want to be in a situation where a single storm ends up costing you your entire life savings to repair the house.

JC Demo Insurance Group, a licensed and independent insurance agency serving Matthews, NC, has the resources to assist you with home insurance. Not only can they navigate you to the best home insurance policy for your needs, but they also guide you on common pitfalls to avoid and educate you on the policies so you can make an informed decision.  The contact details for JC Demo Insurance Group, serving Matthews, NC, are available on their website.

Recommendations to Help You Avoid a Car Accident

Posted on by AgentInsure

Any car registered in NC must be insured for liability, says G.S. 20-309, a state law, which further states said insurance must be issued by an insurance company licensed by said state. This is because accidents are all too common. There were 20,326 car crashes in 2018 in Mecklenburg County alone. JC Demo Insurance Group in Matthews, NC, offers these recommendations to help you avoid a crash.

Making Complete Stops

Stop. Wait three seconds. Then go. This constitutes a complete stop. A rolling stop is careless and dangerous.

Looking Left, Right, Left

Look left, then right, then left again, before pulling out, because cars coming from the left will impact you first.

Keeping a Safe Distance

The “two-second rule” states that two seconds should pass between the car in front of you passing a fixed point and you pass that same point.

Changing Lanes Carefully

When changing lanes, check your side and rear-view mirrors, then look over your shoulder to check your blind spot, as well as other lanes to ensure another driver isn’t moving into that spot.

Ignoring Distractions Until the Next Stop

In 2018, 19.2 percent of crashes in Mecklenburg County were caused by distractions. Use your phone after you arrive.

Being Sober

There were 904 alcohol-related crashes in Mecklenburg County in 2018. Other drugs slow your reaction time, as well. Say no if driving.

Obeying the Speed Limit

Driving too fast can cause you to miss vital cues, like road signs or another driver’s intentions.

Driving Defensively

You may drive well, but not everyone does. Being cognizant of other drivers may save your life.

Many drivers are under-insured or not insured. Now, before you’re in a crash, protect yourself. Contact JC Demo Insurance Group, located in Matthews, NC, for information and details.