Month: April 2021

Thing that aren’t covered by home insurance

Posted on by AgentInsure

When you own a home it doesn’t take you long to realize you are not nearly as knowledgeable about homeownership as you thought. Problems arise you never dreamed of until they actually happen. So many things can go wrong that end up making you consider your home insurance and whether or not you are covered. Matthews, NC has a very convenient location as a Charlotte suburb. When it comes to finding a trusted independent insurance agency, JC Demo Insurance Group has over 20 years of experience. 

Floods

Floods are one of the most common natural disasters causing millions of dollars in damage every year. Unfortunately, your home insurance isn’t going to protect your biggest investment. Traditional home insurance doesn’t cover surface water flooding. Luckily, the federal government offers flood insurance through the National Flood Insurance Program. It is sold in two-parts, structure, and contents. 

Earth Movement

Several different types of earth movement are excluded from home insurance. It will not cover earthquakes, mudslides, and sinkholes. If you live in an area where any of these are a potential danger, you can purchase a rider or an additional insurance policy to protect yourself. 

Sewer Backup

Having a sewer line back up into your home is a disgusting thought. The only thing more disgusting is you will have to pay for the damage yourself since it isn’t covered by your home insurance. You can purchase a rider to provide this protection. 

Expensive items

The content coverage that comes with your home insurance has very conservative limits on the amount it pays for luxury items. If you own expensive electronics, jewelry, art, furs, or antiques you should talk to your insurance agent about additional coverage. You should be prepared to provide an appraisal. 

Contact JC Demo Insurance Group in Matthews, NC for your home insurance needs. 

Will My Insurance Cover Me Out-of-State?

Posted on by AgentInsure

Taking a cross-country road trip? The good news, your auto insurance will cover you, everywhere from Matthews, NC to Juneau Alaska. If you carry valid auto insurance, you’re covered in all fifty states. You might or might not be covered when traveling to different countries. You’ll have to talk to your agent about that. But in the fifty states, you’re covered.

However, you won’t be covered forever if you’re moving somewhere. Once you’ve set up residence in another state, once you have bills being sent to your new address in your name, you’re going to want to call JC Demo Insurance Group about getting covered under a new policy.

Most auto insurance agencies are regional. They cover one or several cities, or a whole county, but usually only in one state. Of course, it makes no sense to buy a whole new insurance policy in a state where you’re just passing through, but if you’re going to be there a while, you’ll probably want to get a new insurance policy for your new residence.

If you’re always moving between homes, say you have one in Matthews, NC, and one in California, then things can get a little tricky and you might need to buy a policy in both states or work something out with your insurer. But as long as you’re just visiting, you’ll be covered.

If you have any questions or if you’re looking to get covered in Matthews, NC, get in touch with JC Demo Insurance Group. JC Demo Insurance Group can get you a good deal on a great policy so that you can drive safe no matter where you’re headed in the United States.