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.