Life insurance can help protect family members left behind after death in Hope Hills, NC. Many young people do not think about life insurance because they are more concerned with the present time instead of the future, and no one wants to think about his or her premature death. The best time to purchase life insurance is at birth because, as each year passes, a policy becomes more expensive. When a parent purchases life insurance for a child, the policy is prepaid and then transferred once the child turns 18.

The cash from life insurance grows tax-deferred. When a policy is purchased at a young age, the money can be used as a down payment on a home or, if held onto long enough, it could be used to supplement retirement income instead of being used for death benefits. Since many people struggle with finances in today’s economy, many choose to skip life insurance. It is important to know that there are options available depending on needs. An agent at Cross Creek Insurance can help you with the right options for your situation.

If life insurance is not purchased when the child is young, it’s best to purchase it under the age of 35. However, many people in this category are more concerned with paying immediate bills than worrying about the future.

It can be costly to forgo life insurance at a young age. It’s usually much cheaper to purchase earlier in life. Not only can be it be more expensive, it can also be more difficult to acquire life insurance. As an individual gets older medical conditions can arise, which lead to higher premiums and the possibility that coverage could be denied.

Contact an agent at Cross Creek Insurance serving Hope Hills, NC to get a quote for life insurance.

If you live in Hope Hills, NC and caused an accident while drunk driving, you may be worried about your insurance coverage. We at Cross Creek Insurance can assure you that some types of policies will help even if you are drunk driving.

If you have liability insurance on your car, then your policy will cover the accident you cause while driving drunk. That is the purpose of liability insurance: to cover problems that you cause in an accident. However, it will only cover the damage that you cause to others.

For example, if you seriously devastate somebody’s car in an accident and cause them any kind of injury, your insurance will pay for their repair and health bills. However, your liability coverage will have a limit and, if courts decide you must pay these expenses, you will pay the rest once your insurance is done.

And if you are convicted of a DUI offense or any other crime after the accident, your insurance rates will skyrocket. At that point, you are now considered a high-risk driver. While that label won’t stay on your record forever, it will be hard to shake. Thankfully, your policy will not be canceled by your provider because of an accident.

If you are not only drunk but driving recklessly (such as driving at extreme speeds), your legal problems are going to be huge if you are caught. However, your insurance company will still pay for any accidents you cause, as long as you have liability insurance.

The reasons they pay for both drunken driving and reckless driving accidents is simple. While these actions are against the law, you did not engage in them to cause an accident. Therefore, people injured by your actions will still get help from your policy.

Obviously, it is best if Hope Hills, NC residents simply avoid drunk driving completely. And if you live in the area and want great liability insurance, please contact us at Cross Creek Insurance today.

Do you have commercial property in Hope Hills, NC that you would like to sell? If so, it is pertinent that you market your properties to your fullest potential. The better you market the properties, the more likely you will create a bidding war between potential buyers, which is an excellent way to drive up the selling price. For now, here is a quick look at two of the top tips for marketing your commercial properties.

Market Yourself Along With your Listings

The Internet has made it possible to make everyone’s voice heard. This may seem like an old trick but the latest ways to self-promote, like content marketing, is a big part of brand-building strategies. Even though today’s consumers on the Internet are being blasted by advertising languages on every page, there are ways to build your brand and increase notoriety through content marketing. To do this, you should start your very own web publication that focuses on commercial properties and why they make a good investment. In doing this, you can establish yourself as a leader in the commercial property real estate industry. Clients will then be more likely to view your commercial properties that are up for sale.

Video for Visual

Humans are visual creatures. You work hard on your listing, so why not vamp it up using video? There are two valuable advantages you’ll gain with video marketing. The first is that video adds a new dimension when it comes to exploring the property. It adds a better feel and depth, helping to inspire the viewer and giving them a feeling that they are actually in person looking at the commercial building structure and land you are selling. YouTube is a great place to publish and market your video listings and has proven itself time and time again as a solid form of commercial property advertising.

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During the process of selling your commercial properties, you will need to maintain the appropriate type of insurance. To learn more about commercial insurance policies, contact the Cross Creek Insurance today serving the Hope Hills, NC area.

As more people develop side-hustles to supplement their incomes from their day jobs, home-based businesses are popping up in many neighborhoods. It never occurs to many homeowners that, as the business grows, their insurance needs may change. These tips from Cross Creek Insurance will help Hope Hills, NC home and business owners make wise insurance decisions.

Don’t Make Assumptions

Don’t assume that your homeowner’s insurance will cover your business too.  In some cases, your business property won’t be covered in case of a claim, so a break-in, fire, or storm could leave you on the line for replacing expensive business items. Additionally, in some cases, using your home as a place of business may even invalidate your home insurance. Check with your insurance agent to develop an insurance plan that won’t leave you at risk.

Consider Limits of Liability

Look around your home office and tally up the full cost of your business related items. Computers, printers, inventory, and tools for your trade may add up to thousands of dollars invested in your business. Adding the costs these business items onto the costs of your personal property means that a total loss may exceed the maximum of liability coverage on your homeowner’s policy. A business policy or a business rider on your homeowner’s policy can help you avoid losing the hard-earned money you’ve invested in your business.

If Clients Come to Your Home Office, You Need Protection

If clients, salespeople, or co-workers come to your home office, you definitely need business liability insurance. If your visiting nephew slips on the stairs and sprains his ankle, your homeowner’s insurance will pay for medical treatment. But, if your client slips on the same stairs, it’s likely that your homeowner’s insurance will not cover his medical treatment. Protect yourself, your business and your clients by adding business liability insurance to your policy.

If you have more questions about the insurance needs of your home-based business in Hope Hills, NC, contact Cross Creek Insurance.

One of the biggest myths out there is that you only need to ensure a car when it is operable or being driven on the roads. Here at Cross Creek Insurance, serving the greater Hope Hills, NC area, we want to educate everyone on the importance of ensuring inoperable vehicles as well. Here are three key reasons you may wish to keep an inoperable vehicle insured.

Covers Vandalism

If you have an inoperable vehicle, you may not be able to get into a car accident in the car, but it can still be vandalized. If someone throws a rock at it or breaks the window, comprehensive car insurance can help cover the loss caused by these things.

Covers Theft

An inoperable vehicle may be more of a challenge to steal, but that does not mean that it cannot happen. Someone may tow or haul away your inoperable vehicle and your neighbors may not say anything, thinking that you sold the unused car or are having it repaired. Comprehensive auto insurance helps to protect you against the financial loss that a stolen car may cause you.

Helps You Register Your Vehicle

The last reason why you may wish to keep an inoperable vehicle insured is that it helps you to register your vehicle. In many states, if you don’t have insurance, you can’t insure the car. And even inoperable cars need to be registered or you can be ticketed for having an unregistered car on your property.

If you have an inoperable vehicle that is not currently insured, now is the perfect time to insure it. Contact Cross Creek Insurance, serving the greater Hope Hills, NC area, for a free estimate today.