Month: September 2022

Is having auto insurance important in Hope Hills?

Posted on by AgentInsure

Anyone living in the Hope Hills, NC area will find owning a car is a smart idea. When you choose to purchase a vehicle, you also need to make sure you get the right insurance for it. There are various reasons why you must select an auto insurance policy in this part of the state. 

Meet Legal Standards

A reason that you will want to have auto insurance in this part of North Carolina is so you can meet the standards and requirements set by the law. Similar to other states, you must carry auto insurance when driving on a public road. At a minimum, you will want auto liability insurance, which is required to ensure you can cover damages if you cause an accident while behind the wheel. 

Cover Your Car

While you must have insurance to be in good standing with the law, you also need support to cover your car. Investing in a full insurance plan with comprehensive coverage will include support if your vehicle is stolen or damaged in an accident. This coverage may also be required if you take out a loan when purchasing your car. 

Being a vehicle owner in the Hope Hills, NC area will always come with responsibilities. If you want to buy a car when you are here, it would be a good idea to call the team with Cross Creek Insurance. These professionals offer a lot of support to help you select an ideal policy. Ultimately, Cross Creek Insurance can protect your car and will provide you with peace of mind. 

Understanding What Home Insurance Doesn’t Cover

Posted on by AgentInsure

Home insurance protects your home and belongings in case of a covered loss. However, it’s essential to understand what your policy does and does not cover. This blog post will look at a few examples of what most home insurance policies in Hope Hills, NC don’t cover.

High-End Jewelry

Many home insurance policies limit how much they will pay for high-end items such as jewelry. You will need to purchase additional coverage if you have any jewelry worth more than your policy’s limit. Schedule a home inventory with your insurance agent to determine how much coverage you need. They will help you assess your belongings’ value and ensure you have enough coverage.

Flooding

Another common exclusion in home insurance policies is flooding. Flooding is not included in home insurance because it’s a familiar and costly type of damage. To cover flooding, you must purchase a separate flood insurance policy. If you live in an area prone to flooding, ask your agent about buying flood insurance. At Cross Creek Insurance, we can help determine if you need flood insurance and how much coverage you need.

Personal Property limits

Many home insurance policies limit how much they will pay for certain types of personal property. For example, there may be a limit on how much the policy will pay for electronics or clothing. We recommend doing a home inventory with your agent to ensure you have enough coverage for all your belongings.

It’s essential to understand what your home insurance policy covers and doesn’t cover. Be sure to talk to your Cross Creek Insurance agent about any concerns you have about your coverage. We’re here to help you get the protection you need.