Factors to Consider When Getting Home Insurance

Signing up for home insurance means leaving your home in the hands of a team that you have just met. It is an aspect that will likely leave you with two options; a costly mistake that means paying for inadequate coverage on your property or long-term investment that allows you to enjoy guaranteed security on your home. To help you achieve the latter, Cross Creek Insurance explains what to be on the lookout for when getting home insurance in Hope Hills, NC.

The Cost of Rebuilding Your Home

While some hazards around the home can be avoided, some will generally fall out of your control, with most weather phenomena falling in the second category. If your home suffers any property damage, you need to know that your insurance can take care of repair costs. With this in mind, first, evaluate the cost of home repairs around your area. This means taking into account labor costs as well as the costs of materials used to construct your house.

The Contents of Your Home

Apart from your home’s external components, your home belongings also play a prominent role in the type of home coverage that you get. Take into account the cost of your items, such as furniture, electronics, and valuables such as jewelry. An inventory can help with this and will go a long way in helping you estimate each item’s value and for evidence’s sake when you need to make a claim.

The Specifics of Your Cover

The majority of homeowners insurance will cater to your home’s possessions, the building structure, and liability claims. While this seems like a fair deal, make it a point to check for other specifics that can affect your compensation, such as fires, floods, mold, and sewage. Confirm with your insurance company if these items are covered and if not covered, get extra coverage for your home.

Getting value from your home insurance requires custom coverage based on your needs, an area that Cross Creek Insurance can help with. For more information on home insurance, contact our Hope Hills, NC agents today.

What Do I Do After an Accident?

If you happen to get into a car accident, you might want to run. If you do this, you will likely create legal trouble for yourself, where there might have been none.  In Hope Hills, NC, just like it is countrywide, it’s a crime to flee the scene of an accident.

Here is what you should do after an accident stay on the right side of the law, make a successful insurance claim, and maybe even save lives. You will likely have an easier time getting your compensation after this whole process if you have your auto insurance policy under Cross Creek Insurance. 

Examine Yourself and the Accident Scene for Injuries

Though not all accidents result in serious injuries, it’s vital that you check yourself and the others involved in the accident for injuries. Call 911 immediately or ask someone to help you do so if you are seriously injured or notice someone with serious injuries. Make sure you switch off the engine and get to safety as you wait for emergency services. 

Exchange Information

Once you deal with the injuries and examine the damage to the vehicles, you can exchange information with the other driver. The information you exchange should include insurance information and contacts. According to Cross Creek Insurance, you should make sure that you get the license plate number, vehicle model, and driver’s license information of the other parties involved in the accident. 

As you do this, also take some time to document the accident. Identify the officers who responded to the scene and take pictures of the accident. It would also help to talk to witnesses and get their contact information. 

Get in Touch With Your Insurer

You must notify your insurer about the accident you are involved in as soon as possible. Call them while still at the scene to tell you what they need to fulfill your claim.

If you’ve any questions regarding auto insurance in Hope Hills, NC, do not hesitate to reach out to us for answers.