Matthews NC

Does Everyone Need Home Insurance?

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Home insurance is an essential type of investment you make into your home. There are differing opinions on home insurance and who needs it or doesn’t. At JC Demo Insurance Group, serving Matthews, NC, we want to help you better understand these matters. Keep reading to learn more. 

Is Home Insurance Required By Law?

Home insurance isn’t required by law in the same way that auto insurance is. However, most homes are under a mortgage, and most mortgage companies require that you have insurance on the house while the mortgage is active. This is to provide protection to the mortgage company as to you. 

What Happens Without Home Insurance?

You are running a significant financial risk if you do not have active home insurance. If the home is damaged or lost, the repairs or replacement of the house would be required out of your pocket. This could quickly put you and your family in a vulnerable financial position. You may even find yourself without a home and no other way to procure one. Housing instability is something you want to avoid at all costs.

Home insurance allows you to always have the peace of mind to provide a safe home for your family. Even if tragedy strikes and your home is lost due to damage, you will have the money to start rebuilding or purchasing your family a new home. This peace of mind is very valuable.

If you want to learn more about home insurance or any other insurance services, please contact us at JC Demo Insurance Group, serving Matthews, NC, and the surrounding areas. 

Do I Need General Liability Policies to Operate an Online Business?

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Operating an online business is a great way to secure financial and personal independence with low overhead. However, while online entrepreneurs might enjoy cutting costs wherever possible, one thing you should still consider is general liability insurance.

Do I Need General Liability Insurance to Operate an Online Business?

Our team at JC Demo Insurance Group in Matthews, NC is experienced at tailoring commercial insurance policies to meet the exact needs of our clients, including those who operate an online-only business. One of the common types of insurance policies such companies need is general liability, and the following is a list of three great reasons why:

  1. Protect against a third-party claim. Brick-and-mortar businesses have a higher risk of bodily injury and property damage claims by third parties, but even if you never interact with a client face-to-face, you can still risk lawsuits. Third parties may initiate a claim against you alleging advertising injury or non-physical personal injury, such as defamation. General liability insurance protects you by covering legal costs and any judgments or settlements you might need to make in such cases.
  2. Meet contractual requirements. Some contracts you might enter with others, such as clients or vendors, will require you to show proof of general liability insurance. This builds trust with them and is a door opener overall for your online business.
  3. Cyber protection add-on policies. General liability insurance policies can include specialty online protections, such as data breaches and cybercrime coverage, that can give you and your clients confidence in your online company.

Learn More By Contacting Our Team at JC Demo Insurance Group

Don’t leave your Matthews, NC business open to lawsuits! Talk to one of our friendly agents at JC Demo Insurance Group today about your commercial insurance options. 

Whole Life Insurance Vs. Term Life Insurance

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It’s always a good idea to have life insurance. No matter your situation, life insurance is essential for those left behind. Don’t go without life insurance when doing so can set your family up for financial hardship. If you don’t have a life insurance policy, it’s time to get one. Call us at JC Demo Insurance Group in Matthews, NC to learn more. 

Whole Life Insurance

There are two main types of life insurance. One of these is called whole life. This is a type that comes with several benefits as well as a drawback. These policies offer coverage that never expires. With term life insurance, the policies will expire at a certain time. However, whole-life policies work very differently. They have no expiration date and can’t be canceled while you keep paying for the policy. Not even the insurance company can cancel them if you continue to pay. This type of life insurance also comes with a cash value amount. This amount is cash that you can borrow in a financial emergency. It’s an expensive policy, though, much more expensive than a term policy. 

Term Life Insurance 

Term life insurance is much different from whole life. These policies are written to only last a certain number of years. Unlike whole life, they don’t go on forever. When these policies expire, you are no longer covered. At that point, you’d have to get a new policy to be covered again. There is also no cash value to these policies. The upside to those factors is that this type of life insurance is much less expensive. 

Choose Your Life Insurance 

When you’re ready to choose a policy, call us at JC Demo Insurance Group in Matthews, NC. 

Beyond the Basics: Specialized Home Insurance Coverage Options

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If you need home insurance for a new place or you want to update the current policy on your Matthews, NC home, there may be some specialized coverage options you should look into. JC Demo Insurance Group can help you find suitable options, giving you proper insurance protection and peace of mind. You don’t have to settle for less.

Many homeowners can get by with the basic level of home coverage. However, that’s not always true. Think about the things you have in your house, and consider anything that stands out. Maybe you have a grand piano in the dining room, or a relative left you some high-quality jewelry when they passed away. Perhaps you have a swimming pool in the backyard.

Anytime you have unique items not typically covered by home insurance, you want to tell your agent about them. Depending on the type of item, its value, and any risk it creates, you may need to adjust your home’s coverage to protect yourself and your items. If you need to do that, you’ll want to work with a trusted professional to make the process easier.

While you need to be sure you have enough coverage, you also want to make sure you’re not getting a lot of excess protection that’s not needed. Also, talk with your agent about protection from natural disasters since North Carolina can see hurricanes and other significant weather issues. Protection from these events may be required mainly if your home is financed.

JC Demo Insurance Group is here for anyone in the Matthews, NC area who needs home insurance information. We can help you find the right coverage for any specialized items and ensure you meet all the requirements to protect your home.

The Road to Peace of Mind: Why Quality Auto Insurance Matters in North Carolina

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North Carolina is a picturesque state that offers drivers hundreds of miles of scenic highways and byways to explore. However, auto accidents can happen at any time. Smart drivers safeguard their investments with the right auto insurance.

Licensed insurance agents at JC Demo Insurance Group Insurance in Matthews, NC can explain coverage options. We can also help your family select the best auto insurance coverage solutions for your needs. 

Get Protection on North Carolina Roadways

Don’t get caught driving without auto insurance in North Carolina. Get liability or comprehensive and collision insurance to shield against devastating financial losses when auto accidents happen. 

Talk to an agent to learn about the best insurance coverage options for you and your family. Knowledgeable agents can offer advice and a custom quote for North Carolina auto insurance, add-ons, and premium insurance services. 

What Kind of Auto Insurance Can I Get in North Carolina?

If you’re new to the world of North Carolina car insurance and wondering what insurance options are available in your state, the following are examples of common insurance types. 

Get Liability Coverage to Shield from Lawsuits and Out-of-Pocket Expenses

Liability insurance can help safeguard North Carolina from legal claims and expenses for at-fault accidents involving damage to other vehicles, property, or accident-related medical expenses. 

Comprehensive and Collision Coverage Extends the Limits of Your North Carolina Insurance Policy

Collision insurance helps drivers cover the cost of repairing or replacing a car in an accident.

Comprehensive insurance helps cover the cost of other unexpected financial losses related to automobile theft, vandalism, natural disasters, and other scenarios where drivers end up footing the bill out of pocket. 

Contact a JC Demo Insurance Group agent in Matthews, NC to learn more! 

Do You Need Workers Compensation Insurance If You Are Self Employed?

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Here at JC Demo Insurance Group, serving the Matthews, NC region, one of the insurance products that we offer is workers’ compensation insurance. Workers’ compensation insurance is designed to cover employees who get hurt on the job. In some cases, it may be federally required. If you are a sole proprietor, you may wonder if you need to carry this type of insurance product. Read on to find out the answer. 

Do I Have to Carry Workers’ Compensation If I am a Sole Proprietor?

If you are a true sole proprietor with no employees working for you, you are not legally required to carry workers’ compensation insurance. If you have a single business partner or a spouse who works with you, you do not need to carry workers’ compensation insurance. 

When Do You Have to Carry Workers Compensation Insurance? 

You are legally required to carry workers’ compensation insurance as soon as you employ one or more employees. This can include a child, relative, or close family friend. If you are paying them to work for you, you need to carry this type of insurance in accordance with both federal law and local state laws.

If you are a sole proprietor, you are not required to carry workers’ compensation insurance. However, if you have one or more employees working for you, even if they are family members or a friend, you must carry workers’ compensation insurance. Contact JC Demo Insurance Group, providing insurance solutions to individuals in the greater Matthews, NC, to learn about workers’ compensation insurance or purchase a plan. 

Auto Insurance Add-Ons: Exploring Optional Coverages

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Auto insurance is essential for every driver, but basic policies might not cater to every possible scenario. As a leading insurance provider in Matthews, NC, JC Demo Insurance Group is committed to helping you delve into optional coverage, or auto insurance add-ons, that can offer you superior protection and peace of mind.

Auto insurance add-ons refer to supplementary coverage that can be incorporated into your policy to augment standard liability, collision, and comprehensive insurance. By comprehending your specific needs and priorities, you can make educated choices when selecting the most suitable add-ons to customize your auto insurance policy.

Consider the following popular auto insurance add-ons:

  1. Emergency Roadside Service: This coverage assists in breakdowns, flat tires, or other unforeseen situations while driving. Services may include towing, battery jump-starts, and fuel delivery, among others.

  2. Car Rental Coverage: If your vehicle requires repairs due to an insured claim, car rental coverage can help with the expenses associated with renting a temporary replacement vehicle, ensuring you have transportation during the repair period.

  3. Loan/Lease Payoff Protection: If your vehicle is deemed a total loss following an accident, loan/lease payoff protection covers the gap between your car’s current market value and the outstanding balance on your auto loan or lease.

  4. Customization Protection: For those who have invested in personalized parts or accessories, customization protection covers the costs of repairing or replacing these specialized components in the event of an insured loss.

At JC Demo Insurance Group, serving Matthews, NC, we are dedicated to guiding you through auto insurance add-ons, ensuring you have the ideal coverage for your distinct needs. For more information or assistance with your auto insurance requirements, feel free to contact us.

Tips to make your house more energy efficient

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Making your Matthews, NC area home more energy efficient is an easy way to save on costs and help the environment. Here are a few tips from us at JC Demo Insurance Group to get you started: 

  1. Replace old windows and doors with newer, more energy-efficient models. This will help keep the warm air in during winter and cool air in during summer months. 
  2. Install ceiling fans or use space heaters to reduce reliance on central heating and cooling systems. This can help save money on energy bills and reduce emissions from your home’s heating and cooling systems. 
  3. Invest in energy-efficient appliances such as refrigerators and washing machines that meet Energy Star standards. These appliances use less water and electricity than older models, saving you money in the long run. 
  4. Change out light bulbs for LED bulbs or CFL bulbs – they are much more energy efficient than traditional incandescent bulbs. They also last longer, so you won’t need to replace them as often! 
  5. Use natural lighting as much as possible by installing light-colored curtains or blinds to allow sunlight into your home throughout the day, reducing artificial lighting needs during daylight hours.  
  6. Add insulation to your ceilings and walls, which reduces the need for heating or cooling. This is especially important in older homes that may lack proper insulation. 
  7. Change air filters regularly to reduce strain on your HVAC system and improve its efficiency. 

Making these small changes can have a significant impact on your wallet and the environment alike! For more energy-saving tips, call us at JC Demo Insurance Group today. We are proud to serve the Matthews, NC area.

Auto Insurance Add-Ons to Improve Your Driving Experience in Matthews, NC

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In Matthews, NC, driving can be a stressful experience. Between traffic, careless drivers, and the general hustle and bustle of everyday life, it’s no wonder that many people are looking for ways to improve their driving experience. One way to do this is to add coverage to your auto insurance policy.

Rental Car Reimbursement Coverage

If you’re ever in an accident and total your car or need repairs that will take more than a few days, rental car reimbursement coverage can help you. This add-on will reimburse you for renting a car while yours is being fixed, up to a certain dollar amount per day. That way, you won’t have to worry about being without transportation while your car is in the shop.

Roadside Assistance Coverage

If you’ve ever had a flat tire or a dead battery and found yourself stranded on the side of the road, you know how frustrating it can be. Roadside assistance coverage can give you peace of mind, knowing that help is just a phone call away. Most roadside help plans will cover the cost of things like flat tire changes, jump starts, and tows. Contact the JC Demo Insurance Group to learn more about this coverage.

Personal Injury Protection (PIP) Coverage

Personal injury protection (PIP) coverage can help you cover medical expenses and lost wages if you’re injured in an accident. No one ever expects to be injured in an accident, but PIP coverage can help relieve some of the financial burdens if it happens. PIP coverage is required in some states, but even if it’s not, it’s still a good idea to have this coverage in case of an accident.

These are just a few auto insurance add-ons available to help improve your driving experience in Matthews, NC. Contact JC Demo Insurance Group today for more information about these and other add-ons. We’re happy to help!

Prepare Your Home for Summer’s Storms in North Carolina

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As summer approaches in Matthews, NC, so do the storms and the damage they can cause. While we can’t control Mother Nature, there are steps you can take to ensure your home is prepared for both expected and unexpected weather events. From securing loose items to reviewing your homeowner’s insurance policy, here are a few tips to help protect your home from severe weather. 

Secure Loose Items Around Your Home 

Secure any loose items outside is one of the essential steps to prepare your home for summer storms. This includes anything that could become airborne and cause damage in strong winds – patio furniture, umbrellas, garden structures, and play equipment should all be secured or brought indoors during severe weather events. It is also essential to trim trees close to your home and ensure dead branches have been removed. 

Install Window Shutters or Impact-Resistant Glass 

If you live in an area with frequent severe storms, installing window shutters or impact-resistant glass windows on your house is a good idea. This will help protect against flying debris which can easily break regular glass windows when wind speeds increase during a storm. It’s best to consult with a professional contractor specializing in hurricane protection if you decide this route is best for your home.  

Review Your Homeowners Insurance Policy 

When protecting your property from severe weather events, one of the best things you can do is review your homeowner’s insurance policy. If you don’t have one yet, now is the time to get one! Speak with JC Demo Insurance Group representatives specializing in home insurance in Matthews, NC, and surrounding areas. We review coverage options with you so that if something does happen during a storm event, you can rest assured knowing that you are fully protected under the right policy for your needs!  

Review or obtain a homeowners insurance policy from JC Demo Insurance Group today!