Let Your Insurance Agent Know You’re Married — You May Qualify for Discounts

Getting married is big news, and there are lots of people to tell. One of the people you should be sure to share the good news with is your insurance agent. You’ll have to update your information with them, and they may be able to find you discounts after your wedding.

Insurance Companies Need Your Updated Information

It’s important to update your information with insurance companies soon after you’re married. Insurers need to know if your name, address, or other personal information change for two reasons. First, they need to know how to contact you. Second, your policies are legal documents and need to be filled out accurately.

You can easily notify your insurer of any changed information by contacting your insurance agent. They’ll know what changes in your personal information are important, and they can update documents as needed.

Insurance Agents Might Find You Discounts

When speaking with an insurance, you might learn that you qualify for new discounts now that you’re married. Insurers offer many different types of discounts. When your situation in life changes, which ones you qualify for may change. For instance, after you’re married, your agent might be able to get you and your spouse a multi-policy discount. Sometimes, it’s difficult to know which discounts you qualify for, which is another reason why you should talk to an agent after getting married.

If you live in Matthews, NC and are recently married, feel free to contact our independent insurance agents. At JC Demo Insurance Group, we have multiple agents who are licensed in North Carolina, and can help you update your documents and search for new insurance discounts. To talk with one of them, contact us through our agency’s website.

 

Summer Months Are Tough For Your Pet: Follow These Tips

Matthews, NC is a great place to live. However, during the summer it’s going to be hot and you want to make sure that your pet is well cared for. There are a few tips to make the summer more enjoyable for your pet, regardless of whether you have a dog, cat, or a few of each.

Your dog or cat is not too different from you. You want to be well hydrated during the summer months, and you don’t want to walk around on hot concrete because it hurts your feet. Remember this for your pets, too.

  • Give them access to plenty of water
  • Look for signs of overheating
  • Don’t bring them out during the hottest parts of the day
  • Cover their paws when walking them on the pavement

There are other things that you want to look out for with your pet in the summer and it has nothing to do with the heat. There are a lot of bugs out and some of these are known for carrying various parasites. Mosquitoes transmit heartworm while fleas and ticks can transmit Lyme disease and various other diseases. Talk to your vet about preventative medication so that you don’t have to worry about any of these issues.

If you plan on doing lots of things with your pet, be sure that they are protected. This includes going out on a boat. Your pet may know how to swim, but it is better to err on the side of caution and invest in a life vest that fits properly.

At JC Demo Insurance Group, we look forward to helping you find quality homeowners insurance. Call us today and let us begin searching for quotes to help you find an affordable policy in Matthews, North Carolina.

 

 

Safely Teaching Your Teen How to Drive

Parents of teens can all agree that one of the most fear-inducing moments of parenthood is watching a child drive away alone for the first time. Teenage driving is a time of anxiety for parents, and with good reason— the CDC reports that teen drivers are three times more likely to be involved in a deadly car crash than drivers older than twenty. One step parents can take to reduce car crashes is to make a mutual driving agreement, which clearly outlines safe driving habits.

How to Make a Family Driving Contract

Parents can make a formal, written pact with their teens designating the best driving practices, “house” rules, and family expectations. Just as when they were small children, teens also learn by watching parents’ actions, so the contract should apply to all drivers in the household including mom and dad. JC Demo Insurance Group offers 9 helpful tips on writing a safe driving contract:

  1. Make sure the contract is written from a “we” point of view (i.e., We agree to wear our seat belts at all times in a moving vehicle)
  2. Write all rules as concisely as possible (We will never text while driving)
  3. Indicate how many passengers are allowed in a vehicle 
  4. Specify how to react if alcohol becomes involved
  5. Reiterate some of the more common driving laws
  6. Suggest an expected response to an aggressive driver
  7. List common distractions and how to avoid them
  8. Leave room for adjustment—contract terms can change according to the family’s driving habits and that is okay
  9. Agree to review the contract periodically

At JC Demo Insurance we care about the safety of all drivers, whether they are just starting out or have a few years under their seatbelt. Give us a call today for more information on making sure teens stay safe while driving.

Unbelievable Tips For Keeping A Clean Home

Keeping your home clean in Matthews, NC may be harder than you ever imagined. You want your home to look its best, but you don’t actually want to do any of the work. We understand and that is why we want to share some of these unbelievable tips with you.

  • Instead of dusting with a feather duster, use a lint roller. This will keep all of the dirt trapped, and make it easy to dust things like shelves, lampshades, and more.
  • When you are cleaning the stove, it can be the bane of your existence. Once you have cleaned the flat surface stove, you can use car wax as a way of feeling the surface. The next time there is grease or some kind of spill over, it will be much easier to clean up. If you have greasy gas burners, you can place them in a sealed plastic bag with some ammonia and leave them to sit for a few hours or overnight.
  • If you are trying to remove baked on food, put a non-toxic dryer sheet in a pan for an hour and watch how much easier it is to get the food off.
  • When you want to clean up stainless steel, whether it is the drain of your shower, your kitchen sink, or anywhere else, the trick is to use powdered laundry detergent and hot water. Let it sit for an hour or two and then rinse it away.

There are plenty of tips and hacks to keep a clean home, and when you discover them, keeping your home clean will be a lot easier.

Call one of our independent agents at JC Demo Insurance today to learn about ways to maintain your home with the best homeowner’s insurance policy.

 

 

 

Prep For Your BBQ To Keep It Safe

When you live in Matthews, NC, you may want to BBQ from time to time outdoors. This means setting up the grill and prepping some food to cook. You want to make sure that everything is prepped properly for your BBQ so that you can keep the entire situation (and your home) safe.

Before you even think about cooking on the grill, check the gas tank if you are cooking with gas. Be sure that there is no rust around the edges, and make sure there is no leak. You can do this by running cold soapy water around the outside of the tank. If there is bubbling, it means that there is a leak and you need to discard the tank.

You also want to be sure you clean the BBQ thoroughly. This will be the same whether you are using a charcoal or gas grill. If there is grease, fat, or other kind of food buildup, it can lead to sparks and flare-ups that can result in a fire if you are not careful.

Always set the grill up approximately 20 feet from the home and never within an enclosed patio. You also want to make sure that you are watching the grill at all times. If you need to run into the house for something, you need to either ask someone else to watch the grill or turn the heat down. This will ensure that there are no problems while you are gone.

Cooking out on the grill can be a lot of fun, and when you take the time to prep, you can focus on safety throughout the experience.

Call JC Demo Insurance today so we can talk to you about homeowners insurance and begin getting quotes to help with the comparison process.

 

Three Reasons Why Your Business Needs a Commercial Auto Insurance Policy

Commercial auto insurance policies sometimes cost more than personal ones.  For many companies in Matthews, NC, a personal policy doesn’t provide enough coverage. Businesses typically need to carry a commercial one. Here’s why, along with how to find a commercial policy that isn’t too much more than a personal auto policy.

Why Businesses Need Commercial Auto Insurance

Companies should a carry commercial auto insurance policy, because they need the enhanced coverage that such a policy offers. Commercial auto insurance is required for:

  • vehicles that are owned by a company and not an individual
  • trucks that carry a commercial license
  • vehicles that need higher liability limits than personal policies usually offer

If any of these describe your company, then your business needs a commercial policy. This is the only way to insure a vehicle in your company name. It lets you insure any type of vehicle, including trucks that are larger than a pickup truck, at extremely high limits, should you need to carry such coverage.

How You Can Find Affordable Commercial Auto Insurance

Because commercial auto insurance often provides better coverage than the average personal policy, commercial coverage often costs a little more. At JC Demo Insurance Group, Inc., we can help you keep your premiums low, even when you purchase a commercial policy.  

Our independent agents will pull quotes from every company offering commercial coverage in Matthews, NC, and we’ll show you them side-by-side. With the help of an experienced, independent agent who works for you, not one of the insurers, you’ll be able to understand and compare each policy’s coverage and premiums. Then, you can select the best choice for your company. To get started, give us a call today.

 

Life Insurance Discounts You May Not Be Aware Of

The slogan of Mint Hill, NC promotes it is as “A great place to live, work and play.” Who can argue? It was named 13th on the list of 50 safest cities in North Carolina. Wilgrove Park is a terrific place to enjoy the outdoors, and events like “Mint Hill Madness” bring us together. There are also facilities like the Mint Hill Fine Arts Center that many have yet to discover.

We are an independent insurance agency serving Mint Hill. We can help you discover discounts on your insurance you may not be aware of, like life insurance. While age plays a large part in the price of life insurance, there are factors you can control that may earn you a discount. If you stop using tobacco products, for example, your life insurance could be cheaper. Keeping your weight down may save you money. Some companies offer discounts to those with safe driving records. You can also save by paying your premiums annually or by signing up for electronic payments.

The best way to save may be by comparing. As independent agents we can compare life insurance premiums from multiple companies. This gives you the opportunity to not only choose the company and coverage that is best for you, but also the premium that is most favorable.

If you live in the Mint Hill area, we invite you to get an auto or homeowners insurance quote online at our website. It is easy and convenient. For life and other insurance products, contact us at our office. We work hard to get you the coverage you need at the best possible prices, including any discounts you qualify for. Let’s find out all the ways you can save on your life insurance coverage. Call us today!

The Importance of Keeping It Local

With the rapidly increasing population of Monroe, NC in the past 10-15 years, many businesses here have enjoyed significant growth. Homes have been built, businesses opened, and infrastructure improved. It has been an exciting time for this area, and not one without it challenges.

It has been nice to witness this growth, especially when other areas of the country have not fared so well. It stresses the importance of doing business locally. This doesn’t just mean consumers either. Sure we all want our businesses filled with locals supporting our companies, but as businesses we can benefit from supporting each other as well.

It’s why we encourage individuals and businesses to do the lion’s share of your business locally. As we grow as a community, we can all participate in that growth. Working with local businesses doesn’t necessarily mean paying more. Many of our commercial business insurance customers have discovered that.

We are a local insurance broker that is an independent agency. As such, we have access to multiple commercial insurance providers. This allows us to compare rates, and get the best coverage at the best rates. This has proven to be very valuable for the local businesses we serve.

Another thing to keep in mind is that as a business grows, their needs for commercial insurance can change. Some coverage may no longer be adequate to fully protect that growing business. This is another advantage of dealing with a company that serves the local area. We can be more responsive and personal in our service.

If you own a business in the Monroe area, we would appreciate a chance to earn your business. It can start by comparing your personal homeowners or auto rates right online at our website. If you like what you see, we can discuss your business insurance.

Let us know how we can help. Contact us soon and let’s keep it local.

Why Even a Small Fire Can Do Serious Damage to Your North Carolina Home

Your North Carolina homeowners insurance can protect your house from a variety of problems. It can cover you in spring and summer storms. It can protect you from losses due to a theft. It can provide you liability coverage in the event of an on property injury. It may also give you the financial resources to recover from a fire. But making sure you have enough coverage is critical, especially in case of a fire.

A fire and its aftermath doesn’t have to consume your entire home to be a significant disaster. Even a small fire can do serious damage to your North Carolina home. Why can it be so damaging?

Let’s use the example of a kitchen fire in the heat of our North Carolina summers. Even if the flames are contained to the kitchen, air conditioning can quickly spread smoke and soot through the entire home. Smoke damage can easily occur to furniture, clothes, and bedding. Smoke and soot will likely stick to walls, ceiling fans, carpeting and appliances. If the fire department was called there could be water damage or at least a large mess from extinguishers. Yes, even a small fire can create a significant amount of damage.

That’s why it is important you have the appropriate homeowners insurance coverage. You want to be assured not only your structure is properly covered but your contents are as well. We can help with a no obligation homeowners insurance review. We will assist you in understanding your current coverage and make sure you know where you are, and aren’t, sufficiently protected. As independent agents, we can shop around for the best coverage for you.

Compare homeowners and auto insurance rates right online at our website, or if you prefer, call us. Let’s make sure you have the coverage you need at a price you can afford.

Is Your Huntersville, NC Home Protected from Plumbing Leaks?

Huntersville, NC is home to NASCAR’s Joe Gibbs Racing and the annual Carolina Renaissance Festival. Our proximity to Lake Norman and golf courses make us a prime recreation area for the Charlotte region. We have our share of commerce, but it is our 47,000 residents that make living here so special.

According to the 2010 U.S. Census, there are just under 10,000 housing units in Huntersville. Each of these housing units faces an unseen risk. It is the risk of water damage from plumbing leaks.

Damage from plumbing leaks can be quite extensive. If it is not noticed for a period of time, plumbing leaks can lead to mold and even structural damage. We tend to view plumbing leaks as a simple, annoying problem. The reality is it can be very costly.

Of course, water damage can come from a variety of sources. Storms, flooding, roof leaks, and sewer back-ups can all lead to damage. If you are not sure what your homeowners insurance covers, it is time for an insurance review. A home insurance review can help put your mind at ease regarding what water damage you are, or are not, protected from. It can also determine if you are covered in adequate amounts.

We are an independent insurance agency. That means we have the ability to seek out many companies to compare rates. This very often results in better coverage or even better rates. Find out for yourself by visiting our website. You can get a comparative quote on your home insurance and auto insurance right online. It is an easy and convenient way to potentially save money. If you prefer, please feel free to contact us to discuss your coverage. We can determine whether or not your Huntersville home is protected from plumbing leaks.