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.

 

 

 

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.

 

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.

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.

Matthews, North Carolina is just outside of Charlotte. Being so close to the metropolitan city, there are plenty of things to do, including going to museums and galleries, various shopping centers, and the NASCAR speedway.

When you look at your homeowners insurance, you want to know what is and is not covered. Your home in the 28105 area may be covered against the basics such as fire and burglary, but beyond that, you may not know.

There are various personal injury claims that could be filed against you as a result of someone injuring your home. Such instances could include:

– A guest falling

– Someone getting a DUI after driving home from your house

– A contractor falling

These scenarios need to be explored when you shop for homeowner’s insurance in Matthews, North Carolina. This way you can ensure you have the proper level of coverage in the event someone files a personal injury claim. With the right coverage, the insurance company pays for the damages instead of it being your financial responsibility.

Your home in 28105 needs to be protected. You don’t have to figure it all out on your own. It’s understandable that you have questions and homeowner’s insurance companies make it confusing on purpose. Our agents can answer questions you have about protecting your home in Matthews. We have the experience to speak honestly about the coverage options in North Carolina and can let you know about the geographic necessities as well, such as flood insurance, wind coverage, and more.

Call and talk to one of our agents today. We can talk to you about what is covered on your policy and help you to find the coverage you need. We can get you quotes to make the comparison process easier as well.

North Carolina has a lot to offer its residents. There are several metropolitan cities within this southeastern state that feature high-end restaurants, shopping centers, museums, and art galleries. There are some gorgeous Atlantic beaches and there is also the Great Smoky Mountains.

When you search for homeowners insurance, you want to make sure it is going to protect against anything and everything – including a sinking foundation. Not all policies are the same and you have to read the fine print. Otherwise, a claim could be denied and the repairs would be your responsibility.

A home inspection is likely going to be required when you buy homeowner’s insurance to ensure there are no foundation problems to begin with. If you already have a porch, it will be included. Otherwise, you would have to call and add the presence of a porch once it was added. The reason is because the insurance company would have to adjust what you do and don’t have.

If you were to file a claim on insurance for a sinking foundation and you had failed to disclose the fact that you have a porch, the foundation repairs may be covered, but the porch would be excluded because it wasn’t included within your policy.

You want the best for your home in North Carolina and therefore you have to be mindful of what your homeowner’s insurance does and doesn’t include. Our agents can work with you to find a coverage that includes anything and everything you want it to include. This goes for damages against fire, break-ins, storms, flooding, and much more.

Don’t try and buy home insurance without some kind of assistance. We have professional agents who can talk to you about the requirements in North Carolina and ensure you have a high level of protection on your home.

Are you new to NC or planning a move to NC?

If you are purchasing a home for the first time or you aren’t sure what a homeowners policy actually covers click the link below to read an article that we contributed to responding to some common questions about homeowners insurance and what it covers. Also, this website lists properties for sale and has other information you may find useful in a home search.

http://www.northcarolinahomes.com/articles/whats-really-covered-by-your-home-insurance-jc-demo-insurance-group

Homeowners insurance is an essential part of properly protecting your home for the long run. You have many points of coverage that are included in your homeowners policy, which essentially protects you in three ways. The first way it protects you is by providing protection for the building itself against issues such as fires, falling trees, storms, and other natural disasters. The second way is through replacing the contents of your home if they are lost, damaged, or end up being stolen. Finally, homeowners insurance also helps you if you have an accident on your property that you could be held liable for.

There are other parts of homeowners insurance that aren’t automatically covered. If you have particularly pricey assets within your home, it’s worth it to get additional coverage on your items. You may also want to look into comprehensive coverage of your personal property so they are covered no matter how they get damaged.

Flood and earthquake insurance riders cover two natural disasters that are geographically restricted. If you don’t live near a fault line, or on a flood plain, then this is not an aspect of homeowners insurance you have to worry about. Prior to purchasing your home, the property records indicates whether you are located in one of these areas. If you are, you need to add additional insurance to your policy so that you aren’t dealing with damage that isn’t covered by your insurance company.

Need help with putting together the perfect homeowners insurance options for your home and future? Contact our independent agents in NC for a complete run down of the policies available to you, and how much they end up costing each month.

Renters in North Carolina need to maintain a renters insurance policy to protect their personal property. This insurance also provides other forms of protection that can prove very beneficial. Take a look at why this insurance is important and the other features it can offer.

The building owner’s insurance does not cover you

Whether you rent an apartment or a home, the owner’s insurance covers damages to the building. Your personal property is not covered. If a fire destroyed your apartment, your possessions would not be covered.

Benefits of rental insurance

When you purchase your own policy, your possessions are covered under the policy for any events included in the policy. Most policies also include theft protection. Because you are not paying for insurance to repair or replace the building itself, this insurance is normally very inexpensive.

Rental policies are also available with liability protection. Depending on the coverage you choose, you can be protected from a variety of liability issues. If a guest in your home is injured, you can add insurance to protect yourself from claims. You can also purchase liability protection to cover any damages you may cause to your rental unit.

Many policies also provide relocation protection in the event that your unit is so badly damaged that you cannot remain in it. While all policies differ, coverage may include moving expenses and temporary living expenses while you find a new residence. Remember to check your policy to see what events are covered and what financial limits are in place.

JC Demo Insurance Group is your independent agency in North Carolina. You can use our site to compare insurance quotes online at your convenience. You can also contact us to get answers to your questions about your renters insurance policy. Talk to an independent insurance agent today.

Your home insurance rates in North Carolina are based on many factors. By understanding the common major factors, you may be able to find areas where you can save on your yearly premiums.

The value of your home

The amount it will cost to insure an $80,000 home will be less than the cost for a $300,000 home. This factor also depends on the type of repair or replacement insurance. Options include actual value or replacement insurance. The amount of your deductible plays a role in your premium as well.

The risks to your home

The location of your home and the type of construction are major factors in calculating your homeowners insurance premium. If your home is located in an areas with a large number of wild fires, hurricanes or tornadoes, your premiums will be higher.

You cannot necessarily move your home to a better location, but you can take some steps to reduce risks. Smoke, fire and burglar alarm systems can reduce you costs.

Older homes with older roofs, outdated plumbing, HVAC and electrical systems, will cost more to insure. The insurance company is looking at the risks the home presents. Updating these systems can go a long way to reducing your insurance costs.

Additional factors

Your claim and credit history are considered in an insurance quote. If you file frequent claims, your insurance costs will be higher than if you do not. If the claim amount is small, consider handling it without insurance. Homeowners with a higher credit rating are seen as less of a risk than those with a poor credit history.

Property features also have an impact. If you have a swimming pool, trampoline or a dog that is characterized as aggressive, you insurance costs will be higher.

The independent agents at JC Demo Insurance Group are ready to help you get the lowest home insurance rates possible. You can also compare quotes online. Call us today to see how you can save on your insurance premiums.

When you’re selecting homeowners insurance, one of the decisions you have to make is whether to choose actual cash value or replacement cost value in the event that your belongings are damaged, destroyed, or stolen. These two terms may sound interchangeable, but in reality the differences have a big impact on how much you receive after a claim.

Actual cash value looks at the value of the property, and then adjusts the cost for depreciation. The depreciation adjustment looks at the age of the property to calculate loss due to wear and tear. The value produced is the cost of the item minus what the insurance company calculates for the deprecation.

Replacement cost value does not factor in depreciation. Instead, it simply looks at the cost it would take to replace your property with comparable, new items. To get claim money from replacement cost value policies, you need to replace or repair the item to provide the insurance company with the actual cost of replacement.

Replacement cost value provides you with more thorough coverage on your property, but these policies are more expensive than actual cash value policies. Some insurance companies also offer agreed upon value as a third option. The insurance company creates a list of standard replacement costs for various item types, and that’s what you end up receiving if you need to make a claim.

The last thing that affects how much you receive from the insurance company for a property claim is co-insurance. If you do not report the full value of your insured property, co-insurance levies a penalty against the amount that you receive for the claim. The actual penalty amount varies from company to company.