Home Insurance: What it Really Covers

When you purchase a new home, you’re making a financial investment.  It’s an investment that you need to protect with the right insurance.  Of course, homeowners’ insurance protects if there is a fire or damage from severe weather but it does so much more.  The team at Cross Creek Insurance works with homeowners in the Hope Hills, NC area so they understand the challenges they face. 

Consumers often don’t realize how much protection their homeowners’ policy provides.  Yes, it provides coverage for storm and fire damage allowing you to recover more quickly but the protection goes even further.  A policy will also cover all personal items and furniture in the home.  This can even include some items that are damaged or stolen when you are not at home.  If a laptop, for example, is stolen, it will still be covered.  Additionally, policies include liability coverage so that the homeowner is protected if someone is injured on the property.  For instance, if someone slips by the pool and the homeowner is deemed negligent, the policy will cover the injured person’s medical bills.  It will also cover legal fees if they decide to sue. 

Home insurance policies also protect any structures on the property such as outbuildings, sheds or pergolas.  Any structures, such as fencing or gazebos, can also be covered.  This level of protection for homeowners is extensive but it’s also important to understand the things that are not covered.  Homeowner’s policies do not cover flooding events in most cases.  For instance, if a water heater fails and floods a hallway, that will be covered.  If there are heavy rains and the home floods, that won’t be covered.  A separate flood insurance policy is needed if the home is at risk. 

At Cross Creek Insurance, our team works with homeowners throughout the Hope Hills, NC area to get the right coverage for their property.  Come in today to visit with the agents and get a quote.  Now is the time to protect your investment!

Winter Storms And Snow Are On The Way: Winterize Your Car

There are plenty of ways for you to winterize your car in Hope Hills, NC. The last thing you want to deal with is winter hitting without you being prepared. With a few tips on winterizing your vehicle as well as help with auto insurance from Cross Creek Insurance, you can be ready as soon as the winter storms start rolling in.

Winterize Your Vehicle

It’s important to prep your car for the colder months. Otherwise, you run the risk of it not starting or it not able to stay on the road. Consider a few tips:

  • Check the health of the battery
  • Change the windshield wiper blades
  • Check your tire pressure
  • Change the oil

Additionally, you should stock your car with a few emergency supplies. This includes a flashlight, a jacket, gloves, and a shovel. If you get stuck on the side of the road, these supplies can help you get out of various situations.

Review Your Auto Insurance

You should take the time to review your auto insurance policy in Hills, NC. This way, if you’re involved in an accident, you know that you can file a claim with the insurance company. Particularly with winter storms, you may experience snow and ice on the roads. It’s easy to lose your way and run off of the road or even hit something in the road. To avoid paying out of pocket for an expense, you can rely on your insurance.

One of our agents can review your policy to ensure it offers comprehensive and collision coverage that can protect you further in the winter months.

Stop in or call us at Cross Creek Insurance today to learn more about prepping your vehicle for the snow. We can also provide you with no-obligation insurance quotes to provide you with the coverage that you need.