Cross Creek Insurance

Do I need life insurance if I am not married

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Life insurance is not one size fits all. It can be overwhelming to consider the type and amount of insurance that you need. You may be questioning if you need life insurance at all if you are not married. Life insurance is not something that most people talk about and it can seem almost morbid when you do have questions. At Cross Creek Insurance in Hope Hills, NC we understand how confusing it can be and we are here to give you the guidance that you are looking for.

Life insurance should be a part of your overall financial planning. It is not just about the death benefit but it can also be a source of cash while you are still relatively young, say when you are going to buy a home. In order to know if you need to have life insurance if you are not married,  you need to ask yourself a couple of key questions. Does anyone count on you to provide for them? Do you have aging parents, a child, or other dependants?  Do you have any debt? Do you have enough assets to clear that debt?  Have you made arrangements to have your last expenses paid for? 

If you have someone who counts on your income to survive, it is important that you take the necessary steps to make sure that they will continue to be provided for if you pass away. You also don’t want to leave your loved ones to clear up your debts and try to come up with enough money to pay for your final expenses. Even if you are not married, life insurance can offer peace of mind to you and your loved ones.

If you are ready to discuss life insurance the team at Cross Creek Insurance in Hope Hills, NC is always ready to sit down with you and discuss this important coverage. Stop by our office or give us a call to set up an appointment. 

What Commercial Insurance Products Do I Need In Hope Hills?

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Cross Creek Insurance in Hope Hills, NC has been offering commercial insurance for several years, and we will discuss a few important commercial products that are essential to businesses. If you’re considering commercial insurance, these insurance products should top your consideration list.

Commercial property insurance

This policy provides coverage for the physical location and property of your business. Generally, it provides coverage for your business furniture, inventory, and equipment. Even if you run your business from home, this commercial insurance policy can help.

Here are some of the situations in which this insurance policy can help. If fire or any other disaster damages your office and you cannot open for business for some time, this coverage will provide funds for repairs and also compensates you for the loss you incurred during the period of the closure.

If your computer and other tools get damaged, you will be provided with the funds for repairs or replacement. Every business needs this insurance product. No matter what your business is, you’ll have a tool with which you work. Even if you’re a freelance writer that works from home, you need to protect your laptop.

Cyber insurance

With the high spate of hacking and cybercrime, it is necessary to consider this commercial insurance product. Even if you don’t do any financial dealings, you could be a victim of ransomware attacks. You could be locked out of your system by cybercriminals. This policy will compensate you for all the losses you incurred due to cyber-attacks.

Workers’ compensation insurance

If you have people working for you, this is the most important commercial insurance product. It is even required by law in North Carolina. Also, it prevents your employees from being able to file lawsuits against you for work-related injuries.

When you visit us at Cross Creek Insurance in Hope Hills, NC, we’ll tell you about the other commercial insurance products and also help you make the best choice for your business.

Does my homeowner’s insurance protect my home if there is a flood or fire?

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What is there not to love about owning a home in Hope Hills, NC? With the weather, the people, and all the other amenities, there is very little to complain about. However, sometimes unfortunate events happen even in places where it is least expected.

That is why at Cross Creek Insurance we work with every client to make sure they have the protection they really need based on their personal risks. It can be traumatic enough to go through a disaster without finding out that you were not covered under your current insurance policy for that particular scenario.

An insurance policy is really a contract between the insured person and the insurance company. The contract spells out the level of protection, what exactly is being protected, what kinds of perils are being protected against, and how much the protection costs. Anything that is not in the contract will not be enforceable.

A standard homeowner’s policy will protect the home, the property, and the belongings in the home and on the property, up to certain limits. It will also protect from certain named perils, such as theft, fire, and hail damage. In case of a serious incident, the homeowner may be able to expect the policy to cover property damage, temporary housing, and liability protection.

It is important to note that a homeowner’s policy in Hope Hills, NC will not cover flood damage. If a homeowner wants that kind of protection, it can be purchased separately.

Not everyone needs flood insurance, but you don’t want to find out that you need it when it is too late. If you want to find out how to check if your property is in a flood zone, or if you just want to discuss your policy, please call Cross Creek Insurance today.

Is Your Auto Insurance Policy Up To Date?

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If you have a vehicle, you also have an auto insurance policy. That policy’s designed to protect your interests, and also protect other people if you’re involved in an accident. But if your policy isn’t up to date, you could be missing out on the level of protection and coverage that’s really right for your needs. That could put you and other drivers on the road at risk, without you even realizing it. At Cross Creek Insurance, we want to help all of our Hope Hills, NC customers get the proper auto coverage they deserve. You don’t need to settle for sub-par coverage or protection.

Following state requirements for car insurance is very important, but there are other coverages you can add, over and above state minimums. You can raise your coverage levels, or add options that the state doesn’t require but that can protect you better. The choice is up to you, and it’s important to be an educated consumer when you’re selecting a policy. Over time, your needs and situation may change. Your insurance policy should be updated to reflect those changes, to add to your peace of mind and the level of protection you and others on the road have from your insurance coverage.

If you’re in the Hope Hills, NC area, come see us at Cross Creek Insurance today or give us a call to talk about your auto insurance policy. Whether it’s through us or another company you want to switch away from, we can give you the information and guidance you need for a properly updated policy. Then you’ll feel safe on the road, and you can get back to enjoying your time behind the wheel. Having the right insurance is the best way to make your driving time better.

3 Reasons to Purchase a Whole Life Policy

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Whole life insurance policies are a great way to protect your family. No one wants to think of leaving their family behind, but with a whole life policy, if the unthinkable happens they will be cared for. The agents at Cross Creek Insurance serve residents throughout the Hope Hills, NC community and provide them with sound advice concerning all types of life insurance policies. Whole life is one option with several benefits.

Provides for Your Family

A whole life policy is set up to provide your family with the financial support it needs that you can no longer provide. This type of financial support will pay for the day to day bills that must be paid. Even though they will no longer be able to rely on your income, they will have the money they need to keep going for a few years.

Offers Financial Security

Whole life policies are often written for several thousands of dollars. When the money is earmarked for your children, it can be placed in financial trusts they can draw from when they reach legal age. An administrator can also pull money for the trust if certain items are needed.

Pays Off Your Debts

Finally, a whole life policy can be used to pay off any lingering debts that have been left behind. The administrator of your estate can use your policy to pay off those debts so your family won’t have to worry about them.

If you live in the Hope Hills, NC area and are interested in whole life insurance, speak to an agent from Cross Creek Insurance today! Protect your family today by purchasing a whole life policy!

Do North Carolina business owners need commercial insurance?

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If you have a dream of opening your own business, finding the right location is important. The city of Hope Hills, NC is a good option for any aspiring small business owner. This community has a growing population and good economic factors that make it a great place to establish a company. If you are going to start your own company, you need to consider your insurance needs. There are several reasons why a business owner in North Carolina will need to have commercial insurance.

Required by Lenders and Investors

One reason why you will need to have commercial insurance is that it will be required by your lenders and investors. Getting a bank loan or raising private capital is a necessity for many businesses. If you do go this route, the investors or banks will need to make sure that you are properly insured. This will require you to have full commercial insurance coverage as it can mitigate several different risks. 

Workers Compensation Laws

Once your business reaches a certain size, you are going to need to hire a team to help you to grow. If you do have employees working for your company, it is important to get worker’s compensation insurance. In fact, the state of North Carolina will require that you have this form of insurance as soon as you have as few as three employees. 

Business owners in Hope Hills, NC need to know their commercial insurance requirements. Those that are looking for a new commercial insurance policy should contact Cross Creek Insurance. Since there is some complexity that comes with getting a commercial insurance policy, Cross Creek Insurance can be a great resource. They can evaluate and assess your insurance needs and make sure that you get into a great policy. 

How to Choose a Hope Hills Home Insurance Policy

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Living in the Hope Hills, NC area is a great option for many people. This area of North Carolina provides people with a great local economy and many other local amenities. Because of this, it is also a great place to buy a home. If you do purchase a home, you also need to make sure that you get a quality home insurance policy. There are several tips to follow to ensure that you choose the right home insurance policy for your situation.

Coverage Limits

When you are getting a home insurance policy, you should consider your coverage limits. This will have to include property coverage that provides you with coverage to pay off your mortgage and also to rebuild your home if necessary. Additionally, you should consider your personal liability needs and make sure that this component of your policy properly covers your insurance needs and risk as much as possible. 

Consider Your Personal Assets

All home insurance policies will come with a component that provides you with coverage for your personal assets. However, there is often a limit on how much value one covered asset can have. If you have expensive jewelry, collectibles, or other valuable assets, they may fall outside of your policy. In these situations, you should invest in an additional insurance policy rider. 

Choosing your Hope Hills, NC home insurance policy is a very big decision. To ensure that you are making the right choice for your situation, you should contact the team at Cross Creek Insurance. When you do want to get home insurance, you should have an expert help you to choose a policy. Cross Creek Insurance will be able to carefully consider your needs and then help you to get into a great policy. 

Some safe driving tips for Hope Hills, NC

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There are some beautiful sights in and around Hope Hills, NC, and you may find yourself distracted even if you’ve seen everything before.  At Cross Creek Insurance, we understand the challenges drivers face when it comes to paying attention to the road and practicing safe driving habits. Here are some easy tips to remember that will help you avoid dangers while driving:

  1. Always wear your seatbelt, and make sure all passengers are safely buckled in. If you are transporting small children, keep them in the right kind of restraints or child safety seats and ensure they are fastened securely in. Even if you are secure, your unsecured passengers could turn into fast-moving projectiles if you are in an accident. 
  2. Do all the recommended maintenance on your vehicle, including regular oil changes and tire rotations.  Some accidents can’t be avoided, but keeping your car in good condition will help prevent some incidents like tire blowouts. 
  3. Observe the posted speed limits. Keep an eye out especially for work zones and school zones, where you might have to adjust your speed quickly. Slowing down won’t just potentially save your life; you’ll also save gas by driving slower. 
  4. Watch where you’re going. Don’t just focus on the car directly in front of you; take in other traffic ahead of you and look for stoplights and road signs. Distracted driving is the most common cause of accidents. 
  5. Also make sure you have your mirrors set so you can see around your vehicle, and check your blind spot regularly. 
  6. Use your turn signals. Other drivers will more easily be able to adjust to your turns and lane changes if you let them know first. 

If you are in Hope Hills, NC and would like to find out whether you may qualify for better insurance rates because of your good driving history,  or if you have any questions at all,  don’t hesitate to call Cross Creek Insurance.

Business Owners: Insurance Planning For Your Business

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Successful business owners are often looking for the best ways to plan their marketing, staffing, and administrative duties. The owners of companies of different sizes also have similar duties with hiring and successful growth achievements. The best planning may often include the smartest ways to keep track of important contacts.  Business networking and marketing efforts often lead to successful contacts that are ready to help simplify the process of running a company.  Effective planning for business owners also includes administrative successes, such as consideration of commercial insurance. Cross Creek Insurance has a trained staff ready to assist with your commercial insurance needs.  Serving the Hope Hills NC area, the agency has proven success in helping businesses with their focus on comfortable company growth. 

The experienced contacts are important as a company is growing an important customer market or product line. A good insurance company can also help with planning for expansion sites and business assets. New hiring and worker’s compensation are other reasons to have a good insurance agency ready to help you grow. Property coverages and insurance for service-oriented firms are also reasons to consider commercial insurance. Smart growth is noticed with companies that are ready for incredible success.

Cross Creek Insurance is an experienced company that helps business owners with commercial insurance through their process of successful growth.  With experience helping businesses in the Hope Hills, NC region, the agency is also able to work with business start-ups as the leaders are planning their best strategies. Knowing the right contacts can be the smartest way to prepare for the most comfortable planning for success. For more information, call Cross Creek Insurance or visit them online. The best contacts are ready to help you and available to assist with planning for your business.

Do I need life insurance after I retire?

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Most workers look forward to the day when they retire. You will be faced with many decisions when you are formulating your retirement plans. In most instances, there will be a change in income and some hard decisions may have to be made. Can you afford to live in your current home, will you have enough money to maintain the lifestyle you currently enjoy and are there some cuts you need to make. You may be asking yourself do I need life insurance after I retire? In Hope Hills, NC, Cross Creek Insurance is there for you to offer their expert advice. 

Before you decide whether or not you need life insurance after you retire you need to ask yourself a few questions. 

  • Who is counting on me to provide for them?
  • Do I have outstanding debts including a mortgage?
  • Have I provided for my final expenses?
  • Do I want to leave a legacy to anyone?

If you have a spouse, partner or dependent of any sort, you probably want to make sure that they are provided for and not left in financial need in the event of your passing. Life insurance is a way to help them to get through not only your loss but the financial burden that can follow. It should be able to take care of any debt that you have as well as paying for your final expenses. Ideally, there will be enough left to allow them to continue to live the same life that they are accustomed to. 

Many people want to leave a monetary legacy to their children or grandchildren even though they are not dependent. It can help to pay for a college education or the downpayment on a home or business. 

The team at Cross Creek Insurance in Hope Hills, NC can help you to decide if life insurance after you retire is something that is important to you. Why not give our office a call or stop by today to discuss your insurance needs.