Do Minors Need Their Own Auto Insurance Policy?

The right level of auto insurance protection is essential whether you are an adult or a minor driver. If you or your child needs reliable auto insurance coverage, the experts at Cross Creek Insurance can assist you. We proudly offer residents of Hope Hills, NC, quality insurance products. 

Teen Driver Coverage in North Carolina

If your child has started driving, you need to determine what type of insurance is required to protect them and meet legal requirements for your state. In most states, teen drivers must be 18 years of age before they can have a policy of their own. 

If a minor driver needs coverage, an adult parent or guardian can add them to their insurance coverage. To determine how much the policy changes and what type of protection is advised, consult one of our knowledgeable and helpful insurance agents who can provide insight and recommendations. 

We can help you determine where you can make changes or additions to your current policy to help add extra protection for you and your family. We aim to ensure you understand the terms and conditions to make an informed decision. We can even assist with any changes to the policy or claims submissions. 

Reach Out to Cross Creek Insurance Today

If you want to learn more about insurance coverage for minor drivers or other excellent insurance options, please don’t hesitate to contact us. Call or stop by Cross Creek Insurance to find out how Hope Hills, NC residents can get peace of mind through reliable insurance coverage. Let us show you how you can get coverage that protects your minor drivers and gives you security while they are on the road. 

Home Insurance 101: Understanding the Different Types of Coverage

Home insurance is a vital safeguard for homeowners, offering protection against various risks. To make the most of your policy, it’s essential to understand the various types of coverage available. Here at Cross Creek Insurance, providing home insurance to homeowners in the greater Hope Hills, NC, we want to help you understand the various types of coverage so you can select the best coverage for you. 

Dwelling Coverage

Dwelling coverage is the primary type of coverage people consider when considering home insurance. Dwelling coverage protects the physical structure of your home, including the walls, roof, floors, and built-in appliances. It covers damages from perils like fire, storms, and vandalism.

Personal Property Coverage

This part of your policy covers your personal belongings, including furniture, electronics, clothing, and more. Personal property coverage reimburses you if these items are stolen, damaged, or destroyed due to covered perils.

Liability Coverage

Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. It covers medical bills and legal expenses in such situations.

Additional Living Expenses (ALE) Coverage

If you cannot reside in your home because of a covered event, ALE coverage helps with temporary living expenses like hotel bills, food, and transportation while your home is being repaired.

Reach out to Cross Creek Insurance in North Carolina for Home Insurance

Understanding the different types of coverage in your home insurance policy is crucial for making informed decisions about your coverage levels and ensuring your home and belongings are adequately protected. It’s a wise investment in your peace of mind and financial security as a homeowner. If you have any questions about home insurance in the greater Hope Hills, NC area or want to purchase a new policy, turn to Cross Creek Insurance for your homeowner’s insurance needs.