Month: May 2020

Should I get home insurance in North Carolina?

Posted on by AgentInsure

Living in the Hope Hills, NC area is a great option for a lot of people. When you do live in this area of the state, it is very important that you consider all of your insurance needs. For those that own a home in this area, getting a home insurance policy should be considered a practical necessity. There are several reasons why you need to get home insurance for your property here.

Allows for Full Compliance

One of the reasons to get home insurance for your Hope Hills, NC home is that it will allow you to stay in full compliance. If you purchase your home using a mortgage, the lender will want you to carry home insurance at all times. Also, if you live in a community that has a home association, the documents will likely require that you carry insurance. By getting a home insurance policy, you can stay in compliance with all of these rules. 

Protects the Property

Even if you are not required to carry home insurance, you should still get this coverage. Your home is bound to be one of the most significant assets that you will ever purchase. To ensure that you are properly protected at all times, you should get a home insurance policy. This will give you coverage to repair or replace your home when it is necessary. 

If you do purchase a home in this area of North Carolina, it is important to properly protect it with insurance. To ensure your property is protected, you should call Cross Creek Insurance. The team at Cross Creek Insurance is aware of how important it is to choose an insurance policy. They can help you to pick a policy that is right for you and properly covers your valuable asset. 

What to Consider When Choosing Auto Insurance

Posted on by AgentInsure

If you are looking for auto insurance in Hope Hills, NC, you should consider Cross Creek Insurance. We offer many types of insurance to meet all your insurance needs. When shopping for auto insurance, here are the things you need to consider. 

How Much Coverage Do I Need? 

First, you’ll need to determine how much coverage you need. You are required to have the state minimum coverage, but you may need more. Do you have assets that could be seized in the event of a catastrophic accident? Does the coverage cover the cost to repair or replace your vehicle? Are you in a higher risk category? 

Which Types of Insurance Should I Choose?

There are several types of auto insurance.

  • Liability insurance: pays for the other party’s damages in the event the accident is your fault
  •  Collision insurance: often known as full coverage insurance. It will cover your damages in the event of a collision accident
  •  Comprehensive coverage: coves things like vandalism, hail, and theft that are not collision-related.
  • Medical payments: covers medical expenses for passengers in your vehicle
  • Uninsured motorists: covers damages to your vehicle if the other party is at fault but has no insurance or inadequate coverage 

Compare Coverage

It’s important to comparison shop when you are choosing auto insurance. A trusted insurance agent can help you consider each policy and determine which is the best for you. You’ll need to consider more than just insurance premiums. Coverage limits and deductibles are also part of the equation. 

Cross Creek Auto Insurance

At Cross Creek Insurance, we provide auto insurance coverage for Hope Hills, NC residents. Our experienced agents can explain coverage options and help you choose the best policy for your needs. Contact us today to learn more about our insurance services.