Month: February 2016

The Importance of Home Insurance in Hope Hills, North Carolina

Posted on by AgentInsure

If you’re considering purchasing a home in Hope Hills, North Carolina, then it’s important to also figure in the cost of homeowner’s insurance. Not only is this a financial issue, as it will be more expensive on a monthly basis to cover the bills to pay on your home in general, but homeowner’s insurance is also something required by law in North Carolina and serves a number of important benefits for keeping you financially solvent in the event of a catastrophe or unexpected event at your home, as well as keep you in a house in the event one of these unexpected events occurs. Below are some of the more important reasons to have home insurance in Hope Hills, North Carolina.

UNEXPECTED WEATHER 

North Carolina gets it’s fair share of weather, especially from hurricanes which blow into the state with a vengeance for a season each year. Homes are regularly destroyed or flooded when this occurs and if there is no homeowner’s insurance policy to speak of on the house itself, there will be no money set afforded to you to rebuild. This can be a catastrophic loss to a family and something that is incredibly difficult to recover from. Other things protected by homeowner’s insurance are figurative acts of God, like fires or a plane crashing out of the sky into the home and destroying it. A homeowner’s insurance policy will at least provide some financial assistance when something like this occurs to help the homeowner get back on their feet.

CRIMINAL ACTIVITY

If someone breaks into your home and steals anything inside the home itself, most homeowner’s insurance policies also cover this. While this isn’t a real concern in Hope Hills, it’s just nice to have piece of mind.

A PLACE TO STAY ANYWAY

If any of these events do occur, some time will be needed to rebuild or repair your home. In this situation, home owner’s policies will usually pay for a place for you and your family to stay until your home can be lived in again.

So if you need a homeowner’s insurance policy contact a local company like Cross Creek Insurance, who serves the greater Hope Hills area.

Finding the Right Protection in Life Insurance for Hope Hills

Posted on by AgentInsure

Protecting your life is not exactly like protecting your home or car. You likely have very different feelings about life insurance, but that’s not a reason to ignore the need for it. The financial support from a well-designed life insurance policy is what can keep a family going during an extremely difficult time. Your city is all about having the right attitude, so learn more about the kinds of protection available in Hope Hills. 

Term Insurance: A Good Choice for Those With Young Children 

When you have young kids, you already know it’s common to worry for their future. However, you also know that you want them to be able to provide for themselves at some point. Life insurance protects them against an emergency for the time they need it the most. Typically, this policy is set up to expire when a parent decides that their children will come of age. That could be 18 for one parent or 25 for another. Whatever you decide upon, this is a good way to set them up without overdoing it. 

Permanent Insurance: Excellent Coverage for Life 

If you want to be a continuous provider for family or even beloved friends, then permanent insurance will likely be for you. While these policies typically cost more, they give you the piece of mind that everyone will be covered should something happen. They can also be used as a type of savings fund as well, so you know you have fall-back funds if you should need them. 

Cross Creek Insurance serves the people of Hope Hills, and we can help you decide on a plan that works for both you and the people you love. Give us a call today for more info.