Month: July 2023

Does home insurance cover damage to your pool?

Posted on by AgentInsure

Hope Hills, NC residents certainly enjoy using their pools in the summer. As many people in the area probably have a pool, our experts from Cross Creek Insurance often get the same question. Does home insurance cover damage to my pool? They are the source of relaxation and entertainment for thousands of people throughout North Carolina but are also a considerable investment. Knowing how your insurance works with pool damage is essential.

When Does Home Insurance Protect My Pool?

There are instances when your home insurance policy can help pay for damages to your pool. Everyday events outside your control that are considered coverable events could include damage from fire, hail, lightning strikes, or severe weather conditions such as hurricanes or tornadoes. In these cases, your home insurance policy may provide coverage for the necessary repairs or replacement of your pool. Depending on your pool (above-ground or in-ground), we help you understand what part of your policy covers your pool structure.

Instances not considered typical perils would not be included in your insurance protection. Some examples would be general wear and tear to the pool, neglected maintenance, or intentional damage caused by the homeowner. These situations are considered the homeowner’s responsibility and are not covered under a standard home insurance policy. Pools can cost between $20,000- $50,000 or more, depending on the size and features. Considering the potential financial impact of pool repairs or replacement is essential.

Get A Home Insurance Policy In Hope Hills, NC

Before you dive into your pool, give Cross Creek Insurance a call. We’d love to help you navigate home ownership with the peace of mind you deserve. Call today to get a quote!

How to extend the life of your car tires and ensure optimal performance during the summer months?

Posted on by AgentInsure

Extending the life of your tires when summer hits requires proactive precautions and maintenance. The specialists at Cross Creek Insurance in Hope Hills, NC provide these helpful suggestions to help maximize your tire’s lifespan during the summer months –

Check/Maintain Proper Tire Pressure

Tire pressure should be checked and adjusted routinely all year. However, when the heat arrives, the tire’s air expands and overinflates the tire. It is best to refer to the owner’s manual (or the label inside the driver’s door) for the best or recommended tire pressure.

Regularly Rotate Tires/Maintain Wheel Alignment/Balance

Rotate the car’s tires following the manufacturer’s recommendations or every 5K to 8K miles. Routinely rotating the tires ensures they wear evenly–extending their useful life.

Don’t Overload the Vehicle

Be aware of your vehicle’s weight limit and avoid excessive weight, as this adds stress to the tires, increases the heat, and accelerates the tire’s wear. Hot weather further aggravates this situation.

Check Tire’s Tread

For the tire to maintain control and traction, the tread depth must be enough to match the desired performance. The minimum legal tread depth varies by jurisdiction.

Avoid Excessive/Aggressive Speed & Driving

Fast and aggressive driving generates additional friction and heat, increasing the wear on the tires.

Park in the Shade

When available, park the car in the shade or use a car cover, as extended sunlight exposure can degrade the compounds used to manufacture tires.  

Regularly Inspect for Damage

Check the tires for bulges, cuts, or other damage. Driving on damaged tires can be needlessly risky.

For additional information about automobile insurance and policies available for those who live or work in the greater Hope Hills, NC area, contact Cross Creek Insurance at 910-423-2900.