When considering umbrella insurance, it’s essential to understand what it can do for you. At Jim Boyce Insurance, we provide insurance products to greater Matthews, NC residents. We’re here to guide you through the process. Let’s explore the key factors to keep in mind.

Understanding Your Needs

Umbrella insurance provides additional liability coverage beyond your regular home or auto insurance. Start by assessing your assets. Do you have significant savings, property, or investments? Umbrella insurance can protect these from potential lawsuits.

Evaluating Your Risk

Consider your lifestyle and activities. Do you entertain guests frequently, own a pool, or have young drivers in your household? These factors can increase your risk of liability claims. Umbrella insurance offers peace of mind by covering a wide range of scenarios.

Coverage Amount

Deciding on the right coverage amount is crucial. A typical starting point is $1 million, but you might need more depending on your assets and risk exposure. Analyze your total net worth and potential risks to determine the coverage that suits your situation.

Cost Considerations

Umbrella insurance is typically affordable, especially compared to the protection it offers. Premiums can vary based on the amount of coverage, your location, and your insurance provider. It is wise to get quotes from different companies to find a competitive rate.

Seamless Integration

Ensure that your umbrella policy integrates smoothly with your existing coverage. Coordinating with the same provider, like Jim Boyce Insurance, can simplify claims and improve service continuity.

Call Jim Boyce Insurance to Get an Umbrella Insurance Quote

Ready to protect your assets with an umbrella policy? Contact Jim Boyce Insurance, serving the greater Matthews, NC area, today, and let us help you find the perfect coverage to meet your needs.

Are you getting ready to move into a rental unit? If so, review the types of insurance that will protect your personal belongings from damage and theft.

Risk Level

Renters’ insurance prevents monetary loss if possessions are damaged or stolen. It also provides protection if an injury takes place within your rental unit. Assess your risk level. You may need additional protection if you live in a region where storms are prevalent.

Any items that will be stored outdoors could be at risk of being destroyed while you are renting the space. Your risk level will help you choose enough coverage for your personal possessions.

Contents

You do not need to insure all of your possessions. However, it would be best to consider insuring high-priced items that would be difficult to replace.

• Artwork
• Clothing
• Furnishings
• Heirlooms
• Electronics

Insurance Products

Use the list above when categorizing your possessions. Compare various insurance products. You may want to purchase a liability policy and one that will protect you against theft, vandalism, and weather-related damage.

Add-Ons

Don’t forget to review insurance add-ons. Add-on coverage is specialized coverage. This type of coverage will provide protection for unique circumstances. You may benefit from purchasing one or more add-on insurance products for your personal possessions.

Review

Once you have selected the insurance coverage you need, review your chosen policy. You will be furnished with coverage amounts. You will also be provided with information that you can refer to if you ever need to file an insurance claim.

Contact Jim Boyce Insurance for more guidance.

Contact one of our agents serving Matthews, NC. An agent at Jim Boyce Insurance will assist with any renters’ insurance concerns you have.

The aftermath of a flood can often be shocking. Your property may be in disarray, with the looming threat of mold growth proving to be a significant concern. However, these temporary setbacks can be dealt with effectively through a comprehensive flood rehabilitation plan. It is beneficial to review the coverage provided by your flood insurance policy.

Get Started: The Initial Response

Before any cleanup begins, an insurance adjuster must inspect the damage. It is essential to report the flood through the appropriate channels. An insurance agent representing your insurance company will perform the preliminary steps necessary to rehabilitate your flooded property.

Important Cleaning Considerations

Once the insurance adjuster has documented the damage, your insurance claim will either be approved or denied. If your claim is approved, arrangements will be made to professionally dry and clean your belongings.

Certain cleaning tasks may be carried out on-site if the damage is minimal. It can be most efficient to clean items in their original location. The contractor managing the cleaning team will provide details about the cleaning methods they plan to use during rehabilitation.

Offsite Cleaning

The company you hire to restore your possessions may transport damage-infested items offsite for thorough cleaning. Items such as wet floor coverings, furnishings, and other large items may require extensive drying and cleaning, which may need to be carried out at a specified location.

Contaminants will be removed from damp surfaces throughout the drying and cleaning processes, and items will be dried and disinfected meticulously.

Contact us at Jim Boyce Insurance.

Get in touch with one of our agents serving Matthews, NC. The representative from Jim Boyce Insurance will organize a consultation with you to talk about flood insurance and the services included in your personal insurance policy.

Understanding RV Insurance Coverage Before Hitting The Highway

The open road is calling, and for RV owners, there’s nothing better than planning on heading out for an adventure and enjoyable experience. Planning ahead to make sure you and your investment are fully covered by insurance is essential in the event of an unexpected occurrence. Standard RV insurance usually covers the vehicle but not all the contents inside. Our professional team at Jim Boyce Insurance in Matthews, NC, recommends a line-by-line review of your current RV insurance policy.

Comprehensive Insurance Protection

• Personal Property Insurance: Personal Property insurance protects what is inside your vehicle, such as clothing, electronics, and other personal items, in the event of theft, fire, and damage.
• Umbrella Insurance Protection: Umbrella coverage offers special coverage for major accidents and legal claims.
• Special Considerations: If you own valuable items like jewelry you want to protect, additional endorsements must be added to your regular policy.

Insurance Needed When Your RV Is Garaged

When your RV isn’t on the road and parked in a garage, it is still at risk of fire, natural disasters, and vandalism. You should consider removing the collision coverage and have comprehensive to ensure it is adequately protected.

Contact Jim Boyce Insurance Today

Ready to pack your RV and head out on a vacation this year? Our team of independent insurance agents is here to help you understand your coverage options and your insurance policy. Proper coverage is just a phone call away. Contact our team of insurance experts at Jim Boyce Insurance in Matthews, NC, to discuss the best coverage for you. We are here for your RV and all of your insurance needs.

North Carolina’s scenery and vibrant communities make places like Matthews a choice home for many. Experiencing these wonders on a motorcycle provides an unmatched sense of freedom. However, the joy of biking in this beautiful state comes with the responsibility of safety. The team at Jim Boyce Insurance is here to provide Matthews’ residents and the North Carolina area with insightful and practical motorcycle insurance solutions.

Prepare for the Open Road

Prior to embarking on your bicycle journey, helmet-up! Advocates and safe motorcyclists globally endorse this easy safety measure. Besides helmets, safety preparation encompasses using other tools, equipment, and techniques. From gloves and boots to defensive driving, safety measures largely contribute to your peace of mind on the road.

Pair these safety measures with the right motorcycle insurance to further your protection on the open road. Whether eliminating the financial worries related to bike repairs due to an accident or covering your medical bills, a fitting motorcycle insurance solution can make a difference.

Securing Motorcycle Insurance in Matthews, NC

If you need answers to insurance-related questions or are hunting for a customized motorcycle insurance solution in Matthews, NC, look no further. The friendly and professional team at Jim Boyce Insurance is ready to serve. Reach out, and we’ll ensure you ride with the peace of mind and safety you need. Secure your bike and hit the open road with confidence today.

Understating the Importance of Renters Insurance

If you reside in any rented accommodation, such as condos, apartments, or houses in North Carolina, remember that your landlord’s insurance doesn’t cover your personal property losses or damages. It also does not offer liability protection in times of loss. Thus, Jim Boyce Insurance highly recommends renters insurance for individuals residing in Matthews, NC, and surrounding areas.

Identifying Who Does Renters Insurance Protect

Renters insurance is strictly for the policyholder and the renter and doesn’t extend to the landlord or their property. Whether needed by their landlord or not, all renters should have insurance. However, it’s worth noting that even if required, the policy will not cover the landlord or their properties. The purpose of renters’ insurance is to cover the renter’s damages or loss.

What Does Renters Insurance Cover

Renters insurance policies might vary, but generally, they cover policyholders for events such as:

• Theft/burglary
• Vandalism
• Falling objects
• Explosions, riots/civil disruptions
• Aircraft, motor vehicles
• Smoke damage
• Fire, lightning strikes
• Windstorms, hailstorms, earthquakes
• Weight of ice, snow, and sleet
• Burst pipes
• Electrical and water/steam malfunction damage

Understanding Personal Liability

Beyond damage and losses of the policyholder’s possessions, many renters insurance policies encompass personal liability coverage. These may include bodily injury for the policyholder, and others present when the loss occurred.

Why Renters Insurance Is Essential

Regardless of your landlord’s stance on renters insurance, it’s recommended for all renters. Consult with Jim Boyce Insurance in Matthews, NC, and surrounding areas to clarify policy coverage and protection.

If you’re in the Matthews, NC, area and looking for classic car insurance, Jim Boyce Insurance is here to help you find the right policy to meet your needs. It’s vital that you’re not trying to cover your classic vehicle under a standard auto policy because the requirements and coverage types are very different. You could end up with a vehicle that doesn’t have the protection you need or expect, and you want to ensure you’re getting quality and value.

Most classic vehicles are used as show cars and aren’t driven daily like standard vehicles. They’re also much more challenging to get parts for, and that can make them high-risk. How you store them, the original parts they have, their condition, and whether they’re driven or transported to shows and events will all matter. Insurance for classic cars is much more tailored to the specific car and situation than a typical auto policy.

That’s why it’s so important to have the help of a dedicated, educated agent who handles this type of coverage. Then, you’ll know you’re getting the proper protection for your classic car without any extras that aren’t necessary. Especially if you’ve put a lot into your vehicle, you want to ensure that it’s being protected in a way that genuinely covers it in case of a claim.

Contact us at Jim Boyce Insurance today if you’re in the Matthews, NC, area and looking for classic car insurance. We understand that standard auto coverage isn’t going to work for you, and we want to make sure you have suitable insurance options for your needs. Working with our trusted agents means a good policy and plenty of peace of mind.