Month: January 2022

Staying Protected With Home Insurance

Posted on by AgentInsure

When you own a home, it’s vital that you have home insurance to cover both it and you. It provides a number of important protections that can save you financially if they are needed. In most cases, mortgage lenders require you to have this insurance. If they don’t, it’s still a smart idea to get this insurance to stay protected against a wide range of risks that can occur. To find out more, call us at Cross Creek Insurance in Hope Hills, NC.

Protection for Your House

One of the most important protection types with a home insurance policy is the protection for the home itself. This coverage type is enough to rebuild the whole house if it becomes necessary after a major incident occurs. If a covered incident happens, such as certain disasters and accidents, your home policy can pay for the needed repairs to your home. This can be worth hundreds of thousands of dollars, depending on how much the repairs cost and what the home is worth. This is important coverage for all homeowners. 

Protection for Your Possessions

All of your possessions that are inside the house add up to a lot of value, and your home policy protects those as well. It allows your home policy to pay to replace items that are damaged in covered incidents. In some cases, it may pay for repairs of items that can be salvaged. This type of coverage is needed because of the large cost of all of your items when you add them together, and it could be excessively expensive for you to replace them all without this coverage. 

Get Your Home Protected

To get your home insurance policy, give us a call now at Cross Creek Insurance in Hope Hills, NC to find out more about this coverage and to get started. 

Types of Car Insurance

Posted on by AgentInsure

When you have to get car insurance, you may be confused by all of the different types of coverage. You may only want to get the state minimum amount of insurance, though it may be a better idea to get more than that. 

Here are some of the types of car insurance that you may want to look into. 

Liability insurance is basic car insurance. This covers any damage that you have caused to others. It pays for their medical bills, along with any property damage. 

Collision insurance covers the damage to your car if you are in an accident. It will pay the money to fix your car. If it is totaled, it will pay you the estimated value of the car so that you can get a new one. 

Uninsured or under insured insurance is good to have, in case you ever get in an accident with someone who doesn’t have enough insurance. It will take over once their insurance stops. If they don’t have any, it will pay all of the expenses. 

Comprehensive insurance pays for any damage that occurs to your car when it is parked. This may include things that happen due to the weather, such as flooding, storms, hail, and even fire. It will also cover theft and vandalism.

Personal Injury Protection (PIP for short) covers your own medical expenses if you are injured in an accident. It may even help with lost wages if you are unable to work. 

If you want to make sure that you have the best policy for you and your family, don’t hesitate to contact us today at Cross Creek Insurance in Hope Hills, NC.