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!