Author: AgentInsure

Finding the Right Protection in Life Insurance for Hope Hills

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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.

What to Do in the Event of an Emergency When House Sitting

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House sitting is typically straight forward. You have a few important duties, yet while watching the house you can watch TV and just give the home a lived-in feel. However, what happens in the event of an emergency? There are a few important bits of information you need to know about before hand, just in case something goes wrong. 

Contact Numbers

Before the home owners leave, make sure to grab all of their contact information. This not only includes their cell phones but the hotel they are staying at. This way, if you need to contact them for an emergency you have many different options available. 

Smell Gas

During the winter months it might start to smell like gas. Should this happen you need to leave the house right away. Even the smallest spark can cause an explosion in the house. Contact the fire department and have them inspect the house. They can fix a leak, locate the problem area and determine if the house is safe. 

Call the Police

Is something suspicious going on around the house? Maybe you think someone is lurking around the house? Contact the police. Unless you know it is someone actually trying to break in only call the police and avoid 9-1-1. However, if someone is breaking in call 9-1-1, then call the home owners after everything is straightened away. 

Power Outage

If the power went out you have a few different chores you need to take care of. First, if it goes out in the summer, leave everything in the fridge and freezer for the time being. If it looks like the power is going to be out for longer than a few hours fill up coolers with ice and the food. If it goes out during the winter time, Cross Creek Insurance recommends turning on a few faucets so it drips, which prevents the water from sitting still and freezing. 

3 Important Ways to Manage Business Risks

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To be successful, every business owner must learn to cope with risk. While it is probably not possible to totally eliminate risk, there are some basic ways to cope with it.

 

Stick to Your original Plan

When starting your business, you should draft an outline of every aspect of it from sales and marketing to projected revenues. You should consider several different perspectives as you go about running your business. Once your original plan is drafted and survives the first quarter, stick to it. You may be tempted by the opinions of others and trends to change horses mid-stream. Resist this temptation.

 

Purchase Insurance

Interacting with the public or even dealing with business to business commerce always comes with an element of risk. It’s possible that your product could be involved in an accident that causes injury or damage. No matter how well designed, or labeled your products are- you should protect yourself by purchasing liability insurance. If you are the target of a frivolous lawsuit- even if you win- you could lose an unacceptable amount of money in lost profits and court costs. Discuss a liability insurance policy with your insurance agent before you begin offering any products or services to customers.

 

Carefully Monitor Your Business

In order to manage risk, it is necessary to take steps to determine when risks may occur. These risks include the activities of your competition, marketplace fluctuation, trends in fraud, and weaknesses in your organization’s safety procedures and operations. It may be that your quality-control isn’t thorough enough and that defects are reaching the marketplace. These potential risks must be identified and remedied in order to help mitigate the total risk to your livelihood.

 

Cross Creek Insurance
The professionals at Cross Creek Insurance, are dedicated to giving clients the best insurance plans available. Our goal is to make your insurance purchase fast, simple, and productive.

Call or click today and the insurance experts help to protect your business when disaster strikes.

 

How You Can Help Following a Car Accident

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Many people are traumatized following a car accident. The jarring movements from the accident can cause injuries and leave victims discombobulated. If you witness an accident, you play a critical role in ensuring that everyone is safe and emergency personnel are on their way. The following are a few steps you can take to make sure traffic accident victims are safe.

Remain at the Scene

After you’ve witnessed an accident, it’s important that you remain at the scene until the authorities arrive. Your perspective is important to everyone involved in the relationship. Without giving your statement to the police, the victims may have to pay for damages they incurred.

Make Sure You Are Safe

When you stop to check on those involved in an accident, you have to do so safely. Your safety should be your primary concern. To ensure that you are not in an accident from distracted onlookers, make sure you park a safe distance from the accident and always observe your surroundings to ensure you are not in danger.

Call 911

After ensuring you are safe, you have to contact 911. When you call emergency services, they will contact all necessary personnel. By making one phone call, you could potentially save the lives of individuals involved in an accident.

Ensure Victims Are Safe

There are a lot of things going on following an accident. As a result of this, you must make sure that everyone is safe. You can help people out of their cars and to the curb to ensure they are no longer in danger.

Give Victims Your Contact Information

After giving the authorities your statement, you should give the victims your contact information. Additionally, taking down their information will help you keep your statements straight. With their information, you can properly identify each driver involved in an accident. 

Witnessing an accident is a great time to ensure your car insurance policy is comprehensive. If you live in Fayetteville, NC or the surrounding area, Cross Creek Insurance is happy to assist you with finding the perfect insurance policy for your vehicles.

Things To Consider When Buying a Vehicle as a Gift

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Vehicles are a crucial and almost necessary part of modern life, and for this reason many people consider a vehicle as a very thoughtful gift that could impact someone’s entire life. However, there is more involved than simply the exchange of keys and a title when you give someone a vehicle as a gift. Here are a few things to consider before giving a vehicle as a gift.

Residual Costs

You should remember that there is more cost to the vehicle than just the vehicles price. There will be annual tags, taxes and insurance. You should consider whether or not the individual to whom you are giving the gift will be able to maintain these other yearly costs. Repairs and maintenance  can also vary from model to model. Some cars are much less expensive to maintain and repair than others. Factors these costs in when choosing a gift vehicle.

Taxes

Because the bulk of tax paperwork must be filed in the name of the recipient, not the purchaser, it is necessary for the purchaser and recipient to work together to get all of the correct information filed with the state and country in which the car will be registered. There are strict rules which vary from state to state concerning whom may hold the registration and under whose name the insurance must be filed. Be sure to do your homework so that you are in compliance with all applicable laws.

Insurance

Regardless of who buys the vehicle gift and who receives it, insurance is paramount to legal driving and operation of the vehicle. Be sure that insurance arrangements are made quickly, so that there is no lapse in coverage or temptation to operate the vehicle uninsured. Make the title, registration and insurance are all under the correct name to avoid any confusion in the event of an accident.  

If you have further insurance questions please contact Cross Creek Insurance now serving Hope Hill, NC.

How Independent Insurance Agents Can Help Finding The Right Insurance Coverage For You

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Independent insurance agents can make your life a lot easier, if you allow them to. They know about the industry and have spent a lot of time researching the different insurance companies and what they all offer. They have that ability to explain coverage, obtain the best discounts for you, and much more.

Instead of having to navigate through the complexity of insurance on your own over the Internet, you can work with an insurance agent who is going to help you every step of the way. Agents are often the pillars of the community and have your best interest in mind. They want to help you save money, and know how to accomplish this.

Whether you need insurance for your home, your car, or anything else, they can make sure that you have coverage that you can depend on. They will tell you what’s out there, what’s required in North Carolina, and show you what is going to fit your needs the most.

Insurance is a must to provide protection. It isn’t something you want to guess at. It could be very easy to spend a lot of money on insurance and there are affordable premiums out there – you just have to know how to get them.

Independent insurance agents are your gateway to getting the right insurance coverage. Let them help you with the options, the quotes, and everything else. This way, you can enjoy peace of mind knowing that you have sufficient and affordable coverage in place for all aspects of your life.

At Cross Creek Insurance we have friendly and experienced independent insurance agents to help you find a policy you can rely on in Hope Hills. Call now and let us help you every step of the way so that you’re not left alone.

 

 

Don’t Get Tricked by a Thief This Halloween

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On October 31 most people enjoy a few treats. Kids go around trick-or-treating and adults gather together for parties. Even those of us who primarily hand out candy are known to sneak a piece or two for ourselves. A few people, however, plan tricks for Halloween. Make sure you don’t get tricked by a thief this Halloween. Here are a few tips to keep your home safe.

Deter Thieves with Locks and Lights

Most thieves who are prowling around on Halloween night aren’t planning a detailed and involved robbery. Instead, they’re looking for easy targets that they might steal from without exposing themselves to much risk.

Therefore, you don’t need to protect your home against a movie-worthy heist plan. You simply need to exercise some basic precautions that will deter thieves. Specifically, you might want to:

  • secure any valuable items you leave outside with padlocks
  • place decorations around your yard that will light it up
  • leave your home’s exterior lights on all night long

Insure Your Belongings Against Theft

In addition to securing your outside possessions and lighting up your yard, you should also make sure your belongings are insured against theft. Home insurance policies afford protection against loss due to theft, although their specific protections vary. If you own a home, this is a final line of defense against burglars that you must have.

For help finding home insurance, contact us at Cross Creek Insurance. Our independent insurance agents are able to compare home insurance policies from every insurer in North Carolina. No matter what company offers the best protection against thieves, our agents will make sure you get the best protection at the most affordable rates. To get in touch with them and discuss insuring your home in Hope Hills, NC, send us a message on our website.

 

Using Life Insurance to Borrow Money

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As “The Brick Capital of the USA”, Sanford, NC once produced about 10% of the bricks produced in the entire country. While bricks are still an important part of our economy, we now have a much more diverse base of employment. We have large employers like Pfizer, small home based businesses and everything in between. They all have something in common. It takes money to get them going and it takes money to keep them going. It is part of the reason supporting our local businesses is so important.

If you’ve ever considered starting your own small or home-based business, there may be a source for funding you may not have considered. You may be able to borrow money from your life insurance policy.

You see, whole life insurance can build value as the years go by. That means not only is it providing important protection for your family, but it can be a financial resource in emergencies or opportunities. Loans against your life insurance are generally at very attractive interest rates. If something were to happen to you before the loan is repaid, the balance would be deducted from your life insurance proceeds. Your life insurance agent can help determine this “loan value” for you.

Loans are just one of the many ways that life insurance is a valuable financial asset. If you would like to know more, we invite you to contact us. We are independent insurance agents who can work with a variety of providers to find the best insurance coverage for you. If you live in the Sanford area, we invite you visit our website for a comparative online quote on your homeowners and auto insurance. It is a convenient and simple way to compare rates. Give it a try. We look forward to serving you.

Does Your Health Impact Your Auto Insurance Rates?

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Fuquay-Varina, NC has a quite a charming history. Established around mineral springs because they were believed to have healing powers, this quaint town continues to thrive. Unfortunately, the mineral springs in Fuquay-Varina do not have healing powers, and medical conditions you may suffer from can affect the rate you have to pay for your car insurance each month.

Medical Conditions and Car Insurance Rates

Your car insurance is rated based on risks. If you are a considered a risk after a risk assessment has been completed for you then you will likely pay more for your car insurance. Unfortunately, individuals with certain medical conditions are considered a risk. For instance, individuals with diabetes may have blurred vision, which compromises their ability to see while driving. Additionally, patients taking certain medications are considered a risk behind the wheel because their prescriptions may affect their ability to drive.

What Should Businesses Do About Drivers with Risky Medical Conditions

Since business insurance is expensive and many managers may not know what conditions are affecting employees driving their company vehicle, businesses must take a proactive position to protect their assets. Most businesses ask their drivers about medical conditions affecting their ability to drive and provide annual screenings or require DOT physicals that will help keep drivers honest. We encourage businesses to know their driver’s status because the company is liable for losses and accidents caused by the driver, ultimately.

Discuss Your Limitations with Your Agent

To ensure that you do not threaten your life or the lives of others, it is in your best interest to discuss your medical conditions with your doctor and your insurance agent. Both professionals will provide you with detailed information about what you should do to protect yourself and your family while driving. As your insurance agent, we can recommend measures you can take to reduce the chances of you getting in a wreck, which will help you save money on your insurance. 

Water Can Cause Damage in So Many Ways in Sanford, NC

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We love our outdoor activities in Sanford, NC. The famous Tobacco Road Golf Club seems to always be rated high on lists of America’s favorite courses. San-Lee Park and Mountain Bike Trail provides a multitude of outdoor recreational activities. The spacious Kiwanis Family Park and Greenway is a terrific site for outdoor family fun and exercise. Deep River paddling provides for aquatic activities.

Of course at almost any time rain can cause problems with our plans. We appreciate the rain for keeping our lawns green and our crops growing. It’s just when it happens at the wrong time and place it can be frustrating. The same can be said for water in your home.

When water is controlled through your plumbing or kept out by your roof, it’s usually not a problem. Under the wrong circumstances however, it can be devastating. When it comes to water damage in particular, it is critical you know what is, and isn’t covered under your homeowners insurance.

You see, when it comes to insurance, all water is not treated equally. There is water damage you can suffer from heavy rains. You can sustain water damage from a sewer back-up. Broken plumbing can cause serious damage, especially if you are not home when it occurs. Flooding? That is a whole separate issue. If you want to be assured you are covered under these various water-related issues contact us for a home insurance review. As an independent, local agency, we understand what coverage you should have, and can find the providers who offer it most affordably. If you wish to compare rates you can do so online right from our website. We also offer comparative rates for auto insurance.

There may not be much you can do when rain interrupts your outdoor activities. You can however, take steps to protect your home from water. Contact us today and put us to work for you.