How To Know If Your Furniture Is Protected With Cross Creek Insurance

Homeowners insurance helps to provide financial coverage in the event of loss due to theft, disaster, or accident. There are four types of coverage provided under the standard policy, this includes; coverage for the structure of your home, coverage for additional living expenses, liability protection and, of course, coverage for personal belongings. Cross Creek Insurance which serves Hope Hills, NC provide for all four coverage. 

Your personal belongings, including furniture and clothes, are covered if they are stolen or destroyed by a hurricane, fire or any other insured disasters. Coverage for your furniture or other personal belongings is generally 50-70 percent of the insurance that you have on the structure of your house. 

Many people are often not too sure if their coverage is adequate. One of the best ways of determining the adequacy or otherwise of your home insurance, with regards to furniture and personal belonging, is to conduct a home inventory. 

Personal belongings coverage will cover for furniture that are stored off-premises; this translate to mean that your furniture is covered anywhere in the world. In some cases, some insurance companies limit the amount to ten percent of the amount of insurance you have on your possession. 

Although other items such as jewelry, art, silverware, and collectibles are equally covered, there is usually a limit on them in the event they get stolen. To insure this item to full value you must purchase a special personal property endorsement to insure the item for its officially appraised value. 

Homeowners insurance, in some situation, may also cover for your furniture when you are moving from location to another. For example, if the moving vehicle is involved in an accident while moving your properties. Whether you are moving or not, it is pertinent to know that any furniture or property covered by homeowners insurance will enjoy protection to the limits on your policy. 

Are you planning on moving and you want your furniture to be safe during transit or do you just want to protect them against unforeseen disasters such as a hurricane, wildfire, and flooding? Then, Cross Creek Insurance which serves Hope Hills, NC and its surrounding can offer you such coverage. To find out more about them you can visit the company’s website. 

What You Need to Know About Teen Drivers

Teens who are approaching the age where they are allowed to legally drive a vehicle usually get very excited. Their parents get terrified and naturally so. One of the greatest killers of young people is a fatal car accident, especially one that involves distracted driving (talking or texting on the phone while driving), and the use of drugs or alcohol.

The highest crash rates for drivers of any age are those caused by 16-year-olds. About one-third of all deaths of 13 to 19-year-olds come from auto accidents.

Most teens can be taught to drive responsibly. Many do take care when first learning how to drive. Unfortunately, many others do not and the rate for auto insurance premiums, to cover teenage drivers, reflects this greater risk.

For parents considering allowing their teen to drive, it is important to consult with your insurance agent at Cross Creek Insurance serving Hope Hills, NC and the surrounding area. Your agent can help you understand the impact on your auto insurance premiums from adding a teen driver to the policy.

Be sure to consult with your agent before you allow your teenager to drive the car. If the family has more than one vehicle, it may be a good idea to restrict the teen driver to the vehicle that is less valuable.

It is very helpful for teens to take a defensive driving course. Parents can encourage a teen to do this by attending a course themselves. We all get rusty in our driving skills and taking a refresher course in defensive driving is good for everyone. Most teens would not be comfortable taking a course along with their parents; however, taking the same course at different times gives parents and teens something of shared relevance that they can talk about together. Otherwise, a parent may find a new teen driver finding fault (and correctly doing so) with the bad habits of the parent driver.

To get an updated insurance quote, reach out to your insurance agent at Cross Creek Insurance in Hope Hills, NC if you are considering allowing your teen to drive. Having the teen as a listed driver on the vehicle’s insurance policy is critical before you allow them to drive the family car.