What is the “Two Second Rule” and Why Will it Keep You Safe?

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Car owners in North Carolina are required to have auto insurance to drive legally. If you live near Hope Hills, NC, and need auto insurance, you can find the policy you need at Cross Creek Insurance. We have been serving clients in this area since 1997.

Safe driving guidelines should always be on your mind. Being able to stop safely is an essential element of safe driving, and a safe following distance can help you be sure you can stop when you need to. In the past, a safe driving distance was considered one car length per ten miles per hour. However, this rule has proved challenging, as car lengths vary.

The “Two Second Rule”

According to the Southeastern Driver Training Center, a North Carolina DMV requires a two-second following distance. To measure that distance, it is suggested you pick out a stationary object, like a traffic sign, and watch as the car ahead of you passes that object. As soon as they pass that object, you should begin counting, “one thousand one, one thousand two, etc.” When you reach your selected object, the number you have counted will be the number of seconds of your distance.

Other than North Carolina, many states now recommend at least three seconds’ distance. Some driving conditions, such as heavy snow, driving rain, or fog, will require additional distance for safety.

Call Us for an Appointment Today

If you drive safely, you should also ensure your auto insurance policy is the right one for you. Auto drivers in the Hope Hills area are encouraged to talk to one of our experienced agents at Cross Creek Insurance. Call us for an appointment today, and we will ensure you have the auto insurance you need.

Insurance Coverage for New Flooring Materials Installed in Your Residence

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Research some insurance guidelines that will help you choose coverage for the new flooring materials you plan on installing in your residence. Then, contact one of our agents who serve Hope Hills, NC to discuss your insurance needs.

Value

New flooring materials installed within your residence will increase its value. The type of flooring you select could influence how much coverage you need.

Flooring materials prone to scratching or fading over time may require moderate coverage. Consider the value of the new flooring and whether any of the flooring materials will be covered by a warranty.

Usage and Layout

A liability policy can cover the new flooring materials, damage, and theft.

Examine how the new flooring will be utilized. If flooring is going to be used to upgrade an existing staircase, for instance, you may want to purchase liability coverage. Liability coverage will protect against injuries that occur within your residence.

If someone slips on the new flooring materials, your liability coverage will reimburse you for any out-of-pocket costs you are responsible for.

Assess the flooring’s layout. If any of the materials are susceptible to damage, they should be added to your home insurance policy.

More Assistance

One of our Cross Creek Insurance agents will consult with you about your home insurance policy. During the consultation, discuss the flooring upgrades you have decided on. The agent will modify your insurance policy. Your home insurance policy will cover the new flooring materials.

For All the Risks Your Business Faces Commmercial Insurance can Help

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Risk is an inherent aspect of being a business owner, regardless of your business type. From liability concerns for service industry businesses to manufacturing facilities that have assets to protect or distribution companies that need to safeguard inventory, every business comes with risk. The good news, however, is that for whatever type of business you might be in, there is commercial insurance to help protect your company. That is also why so many companies from in and around the Hope Hills, NC, area rely on the friendly and professional team at Cross Creek Insurance for all their commercial insurance needs.

Commercial Insurance: For All the Risks Your Business Faces

The bottom line is that it doesn’t matter what type of business you own because owning a business comes with risks. That is just part of the territory, and that is also why commercial insurance makes a difference. With the help of experienced and professional agents, business owners can get help determining those threats and the coverage they need for all the risks their companies face, including those less-than-obvious culprits.

For All Your Commercial Insurance Needs in Hope Mills

If you are a business owner in the Hope Hills, NC, area and have questions or need commercial insurance for your company, we can help. From small to large businesses and for every type of business and industry, insurance is available to fit your company’s needs. Let our experienced, trusted, and professional team help with all your commercial insurance concerns and the solutions your company needs and deserves. Contact us to find out more and protect your business with commercial insurance solutions from Cross Creek Insurance today.

Navigating Life Insurance Claims After a Loved One’s Death

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Losing a loved one is a heartwrenching experience, and having to deal with life insurance claims will add to the stress and confusion. The insurance agencies in the Hope Hills, NC, location are well-versed in navigating you through these times.

Understanding the Policy

Take the time to understand what is covered, the policy limits, and any specific requirements for filing a claim. Gather all the necessary documents, such as the policy itself, the death certificate, and any additional forms required by the insurance company.

Filing the Claim

The next step with the insurance company is filing a life insurance claim. Be sure to follow the insurer’s specific instructions and promptly submit all necessary paperwork. Please keep copies of all documents for your records, and consider sending everything via certified mail to ensure it is received.

Understanding the Process

It’s essential to understand the process and timeline for the insurance company to review and make a decision. Some claims may be straightforward and processed quickly, while others may require additional investigation, especially in the case of certain types of death.

Seeking Assistance

Seek assistance from the insurance agent for challenges or delays in the claims process. Contact the insurance agency about the claim status and ask for guidance on any additional steps that may be necessary. 

Closure and Moving Forward

Upon approval, the insurance agency will pay the designated beneficiaries according to the policy terms. This financial support can ease some difficult times and help the beneficiaries move forward with their lives.

Cross Creek Insurance Helps Guide You

Cross Creek Insurance will help guide you and show you how life insurance can save you in the long haul. Our team covers the Hope Hills, NC, region. Get in touch with us today.

How to Document Your Belongings for Home Insurance

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Ensuring you have an up-to-date inventory of your possessions can significantly streamline the home insurance claims process in the event of loss or damage. Here’s how you can effectively document your belongings to show the insurance company what possessions you lost in a claim.

Creating a Comprehensive Home Inventory

The first step in documenting your belongings is to create a comprehensive inventory. This should include all valuable items such as electronics, jewelry, furniture, and collectibles. For each item, note descriptions, approximate value, and purchase date. 

You’ll also want to document less valuable possessions, but listing each thing you own isn’t an efficient way to do so. Instead, Photographs and video walkthroughs of your home can also provide visual proof of your possessions and their condition.

Store Somewhere Other Than Your Hope Hills, NC Home

Remember to store this information in a safe place outside your Hope Hills, NC home, such as in a digital cloud storage or a safe deposit box. This ensures the inventory is accessible even if your home is damaged or destroyed.

Update Regularly

It’s essential to update your inventory regularly, especially after purchasing new valuable items or after a significant life event like a move or renovation. At Cross Creek Insurance, we often advise updating your inventory annually, even if you have no major live event.

Protect Your Possessions with Confidence

Ensuring your possessions are well-documented can relieve stress and expedite claims processing significantly. For more help documenting your possessions or with home insurance in general, contact us at Cross Creek Insurance. We’ve helped many homeowners and are ready to assist you.

How Often Should You Compare Auto Insurance

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At Cross Creek Insurance of Hope Hills, NC, one of the most frequent questions we get is, “How often should I compare auto insurance rates?" You may be wondering the same thing.

If you are otherwise satisfied, how often should you check rates?

The fact is that consumers should check and compare auto insurance rates annually. Why?

Auto Insurance Rates Change

The reality is that auto insurance rates change annually and at different levels for different providers.

You may get an appealing rate for one year, but after a few annual “adjustments,” that rate may no longer be attractive. Monitoring rates can ensure you are getting the best price available.

Circumstances May Change

If you get married, build a problem-free driving record, or qualify for other discounts, you may be eligible for savings. You may even have a previous violation or accident that is no longer on your driving record. Unless you compare, you wouldn’t know.

Other Providers May View You as More Desirable

Some providers may weigh your driving record, age, or even credit rating more heavily. These factors may all significantly change the rates you pay. Comparing helps ensure your best price.

Get a Quote Today

Getting a car insurance quote may be easier than you realize. If you live in the Hope Hills, NC, area, we encourage you to contact Cross Creek Insurance. Answer just a few questions, and you could be on your way to more significant savings on your car insurance.

We look forward to helping you maximize your car insurance budget. We may even be able to uncover previously hidden discounts. 

Running a Business Takes Work – Commercial Insurance Can Help

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Anyone who thinks that owning or running a business is easy is someone who has apparently never owned or operated a company. The truth is that most people only see the end product, the final results, and the success. Most people don’t see or realize the work, effort, and time invested and required to create those products and services, results, and success. Yes, running a business takes work, but commercial insurance can help. If you are a business owner in the Hope Hills, NC, area and have questions, the experienced and professional team at Cross Creek Insurance can help with all your insurance needs.

The Benefits of Commercial Insurance

Every business has its own set of specific concerns and risks. The obvious benefit of commercial insurance is that it addresses most of those potential issues. The benefits of commercial insurance, however, go well beyond the resources to help with needs like repairs, theft reimbursement, and liability claims. 

For business owners, commercial insurance alleviates the need to focus on safeguarding their business and operations. The right commercial insurance solutions also afford owners peace of mind and more time to spend making their companies stronger, better, and more successful. 

Commercial Insurance in Hope Hills, NC

Are you a business owner in the Hope Hills, NC, area? Are you looking for commercial insurance solutions for your company, or do you have questions about commercial insurance coverage? Then, our professional and proven team at Cross Creek Insurance can help with all your questions and commercial insurance needs. Contact us to learn more and to get the insurance and protection your business needs and deserves today. 

Four Life Insurance Questions to Ask Your Agent

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If you’re in the Hope Hills, NC area and looking for a life insurance policy, Cross Creek Insurance is here to help. We understand that it’s very important for you to get the insurance help you need, and we are committed to ensuring you can get your questions answered. Here are four of the most common questions you might want to ask your agent about a life policy.

  1. How much coverage should I choose?
  2. Is this a term or whole life policy?
  3. How often should I update this policy?
  4. Who can I contact if I have more questions?

While everyone’s situation is different, these questions are the biggest ones to start with. Our dedicated agents will be happy to answer them so you can focus on whether the policy you’re considering is suitable for your specific needs. Whether you have a family, the size of your assets, and other factors will all come into play when you’re looking for a policy, so you want to make sure you understand your options and what you need.

Talking with us is the best way to ensure that you have a quality policy that you can rely on because our agents understand that you’ll have questions and concerns. We’re here to reduce or eliminate any apprehension you have about choosing a policy so you can select one with confidence and know that you’re protecting your family the right way, both for the present and the future.

Contact us today at Cross Creek Insurance if you’re in the Hope Hills, NC, area and looking for a life insurance policy. We’re here to help you get the right coverage for all your needs, including a policy protecting your family if you pass away.

Tips to Properly Maintain Your Roof

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Maintaining Your Roof’s Integrity: Tips for Homeowners in Hope Hills, NC

In the greater Hope Hills, NC area, homeowners realize the significance of maintaining the lifespan and structure of their roofs. Regular upkeep can prevent costly repairs in the future and prolong the roof’s life. At Cross Creek Insurance, we appreciate the critical role of a well-maintained roof and offer these tips to help keep your home safe and secure.

Regular Roof Inspections

Plan regular inspections of your roof to spot potential damage, such as missing or damaged shingles, cracks, or leaks. It’s recommended to conduct inspections at least twice a year, mainly during spring and fall and also after severe weather conditions.

Keeping Gutters and Downspouts Clean

Blocked gutters and downspouts can cause water to back up, leading to possible damage to your roof and home’s foundation. Regularly cleaning your gutters and downspouts ensures effective drainage and prevents water from pooling on your roof.

Trimming Overhanging Branches

Tree branches overhanging your roof can scrape against it, potentially damaging the shingles. It can also promote the growth of mold and mildew. By keeping overhanging branches trimmed, you minimize potential damage and keep your roof free from debris.

Prompt Damage Repair

Attend to any signs of damage to your roof promptly. This can help avoid minor issues escalating into more significant, costly repairs. Maintain your roof’s integrity by replacing missing or damaged shingles, repairing leaks, and fixing damaged flashing.

Got Your Roof Covered?

A well-maintained roof enhances your home’s curb appeal and offers essential protection to your family and belongings. Contact us today to learn more about our home insurance options in the greater Hope Hills, NC, area. We’re here to reassure you that with Cross Creek Insurance, your home is in safe hands.

Types of Coverage You Should Have in Your Auto Insurance Policy

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Comprehending Essential Auto Insurance Coverage Types in North Carolina

Certain types of coverage are indispensable when choosing an auto insurance policy in North Carolina. Here, we outline the necessary components for your policy. For any auto insurance requirements, contact us at Cross Creek Insurance in Hope Hills, NC.

Bodily Injury Liability Coverage

Bodily Injury Liability is a critical, legally mandated coverage type. It handles large costs arising from injuries incurred in an accident with your vehicle. In recent years, medical costs have escalated rapidly, and without this coverage, you could be burdened with hefty medical bills. This coverage ensures the policy settles these bills, not out of your pocket.

Property Damage Liability Coverage

Similar to Bodily Injury Liability, Property Damage Liability covers the cost of damaged property belonging to another party in an accident. Whether it’s damage to the other party’s vehicle or local infrastructure, having this coverage ensures that the affected parties receive the necessary compensation.

Collision Coverage

Collision Coverage covers property damage to your vehicle caused by an accident. This is especially important if you are deemed at fault for the accident. While this coverage isn’t a legal requirement, it is invaluable for protecting your financial security.

Procure Your Auto Insurance Today!

Contact us at Cross Creek Insurance in Hope Hills, NC today if you need comprehensive vehicle protection through an auto insurance policy.