Month: January 2023

Is Clutter Affecting Your Home Insurance Coverage?

Posted on by AgentInsure

If you’ve been struggling to keep your Matthews, NC home organized and tidy, it could be more than just an inconvenience—it may also affect your home insurance coverage. There are some circumstances in which clutter can make a home ineligible for certain types of coverage, so it’s essential to understand the risks involved and put a plan in place to mitigate them. In this post, JC Demo Insurance Group explains.

The Hazards of Clutter 

Clutter can come in many forms—from stacks of old newspapers and magazines to piles of clothing or toys that never seem to stay put. No matter what form it takes, clutter can cause serious damage inside and outside of your home. For example, if a pile of books falls over onto an electrical outlet, it could cause a fire. It can also attract pests like mice or cockroaches, carrying disease into your living space. In addition, clutter can make it difficult for firefighters or other first responders to get around quickly should an emergency arise. 

Insurance Implications 

Understanding that clutter isn’t necessarily excluded from home insurance policies is essential. However, if too much clutter in your home poses a significant hazard, insurers may be reluctant to provide coverage in certain cases. This is because clutter increases the risk of fires and other disasters within your house’s walls. To have access to full coverage for their homes, homeowners must demonstrate that their property is safe from hazards such as excessive clutter. 

Keeping your Matthews, NC home free from excess clutter can save you money on future insurance costs. Do you still have questions? Contact JC Demo Insurance Group today!

Questions You Should Ask an Insurance Agent Before Purchasing Auto Insurance

Posted on by AgentInsure

It is not easy to find good car insurance as there are many aspects of the coverage to consider. You will most likely deal with insurance agents when shopping for auto insurance.

What Questions Should You Ask an Insurance Agent Before Buying an Auto Policy?

Here is a list of the main questions to ask:

How much will I pay for my insurance?

Your monthly premium depends on an insurance company and specific factors, including the following:

  • Driving history
  • The value of your car
  • Marital status
  • Driving experience
  • Occupation
  • Annual mileage
  • Gender and age

Ask an insurance agent about all these factors, the cost of your insurance, and the options to lower your premium. 

What is my deductible?

A deductible is an amount you have to pay out of pocket before your insurance kicks in. The higher deductible you choose, the lower your premium will be. However, choosing an insurance plan with a high deductible is risky because you may not be able to afford it. You should remember that you have to pay the deductible first before your insurance kicks in. Therefore, make sure to have a deductible you can afford. 

What if I have to file a claim?

Make sure to ask an agent about the process of filing a claim. Will you have to deal directly with an insurance agent or a claims adjuster? It is never fun to file a claim, so it is important to know how exactly the process of filing a claim goes.  

JC Demo Insurance Group – Your Reliable and Trustworthy Insurance Company in Matthews, NC

Suppose you are shopping for auto insurance and need help with finding the perfect auto insurance plan. In that case, you should contact JC Demo Insurance Group serving clients in Matthews, NC, and other surrounding areas. Our company specializes in different types of insurance, and one of them is auto insurance. If you have any questions, feel free to browse our website or give us a call – one of our experienced insurance agents will provide you with the information you need.