Month: September 2016

Prepare Your Car for Long-Term Storage

Posted on by AgentInsure

You’ve needed this vacation for years and you finally have the time to go enjoy yourself. Now, you just need to leave your vehicle for an extended period of time and want to make sure it is well taken care of until you get back. If you need to store it for longer than a few weeks there are a few things you should do. Cross Creek Insurance, Inc. serves Hope Hills, NC, they can provide a few tips on how to prepare your vehicle for long-term storage.

The elements can cause extreme damage to the exterior of your vehicle when left unattended. In the summer, the sun can cause paint to crack, chip, and fade. The seats, dash, and other interior parts can become discolored. In winter, the snow and salt can seep into your car and cause it to corrode. Place a car cover over your vehicle if you are going to leave it open to the elements.

Leave it Topped Off

Make sure that all of your fluids have been replaced and filled before your trip. The engine could be destroyed if you leave it with used fluids sitting around. A fluid stabilizer will keep your gas from breaking down while you are away and corrupting the gas line.

Batteries Don’t Last Forever

Remove the battery and clean the connections. Batteries that sit without being used can become corrosive and start to destroy the engine. If you have a trusted neighbor or friend, you should have them start the car and drive it around the block once a week to preserve the battery until you return home.

Animal Prevention

Small animals, such as squirrels and mice can find tiny holes in your cars’ exterior when no one is looking. To prevent creatures from building a nest in your vehicle plug the tailpipe and other obvious holes. You could also place mothballs or other pesticides in and around the vehicle to keep the animals away.

In Hope Hills, NC, Cross Creek Insurance, Inc. agents are available to help you with beginning and maintaining an auto policy for your new or used vehicle.

5 Essential Facts about Homeowner’s Insurance

Posted on by AgentInsure

Homeowner’s insurance can be a complicated topic, so here are five facts that are easily digestible and essential to know before you sign up for a policy.

1. Damage Coverage Varies by Source

Homeowner’s insurance policies carefully stipulate what types of damage are eligible for reimbursement. When signing up for a policy, be sure to examine which damage sources are covered and consider purchasing extra coverage if a likely danger – such as flooding for homes near water or in high rainfall areas like Hope Hills, NC – isn’t mentioned in the basic plan.

2. Your Home’s Neighborhood Will Impact Your Insurance Rates

The area surrounding your home already impacts the property value, and it will impact your insurance rates as well. Mention any nearby emergency services, especially a fire station, to your insurance provider.

3. Catalog and Categorize Everything

Keeping diligent records of the property within your home is the easiest way to ensure you are properly reimbursed in case of damage. If you expect that you’ll want to file a claim for an item, take dated photographs and store them with any relevant documents like titles and receipts.

4. Your Credit Score Impacts Insurance Rates

Because your homeowner’s insurance policy represents a financial agreement, you can expect most providers to perform a credit check to determine how well you will be able to pay your premiums and deductibles. 

5. You Are in Control of Your Homeowner’s Insurance Purchase

While you may feel like you’re at the mercy of whichever insurance company you stumble upon first. The truth is that you’ll have plenty of options that range from national companies to homegrown companies from Hope Hills, NC like Cross Creek Insurance. Take the time to shop around and find an insurance company that works for you.