Month: January 2024

Auto Insurance in 2024: FAQs

Posted on by AgentInsure

Are you the owner of a new vehicle? Do you get behind the wheel regularly? If you said yes, you probably realize auto insurance is crucial and necessary. Auto insurance has a special mission: it offers drivers and car owners safety and financial security on the road. If you are looking for auto insurance in 2024, you may have certain questions. Look at the answers to some of them:

How much coverage should you get?

Several factors determine the amount of coverage. They include the unique features and characteristics of your vehicle and your personal needs. In general, it is recommended to have comprehensive coverage, collision coverage, and underinsured/uninsured motorist coverage. 

What does standard auto insurance cover?

It depends on the coverage you choose. The state minimum covers property damage and injury-related expenses. The minimum coverage may not necessarily cover you and your car. That is why you may need to purchase additional protection. 

How different are comprehensive and collision coverage? 

They are absolutely different, and their main difference is what they cover. Thus, comprehensive coverage covers situations not related to collisions and road accidents. It could be vandalism, theft, natural disasters, and more. Collision coverage covers a vehicle if it gets damaged in an actual accident. 

Are you a driver residing in Hope Hills, NC, or any other town in North Carolina? Are you searching for an agency that will help with auto insurance? Stop looking – Cross Creek Insurance is exactly what you need. Our team will answer your questions and help you get the perfect plan. Call us today or visit our website. 

Does Home Insurance Cover Garages, Sheds and Other Similar Structures?

Posted on by AgentInsure

Navigating Home Insurance: Are Garages, Sheds, and Similar Structures Covered?

Cross Creek Insurance, dedicated to serving the greater Hope Hills, NC, area, understands the importance of clarity regarding your home insurance coverage. Many homeowners wonder if their policies cover structures on their policy, such as garages and sheds. Today, we delve into the realm of additional structures like garages and sheds.

Home Insurance Basics

At Cross Creek Insurance, our commitment is to provide comprehensive coverage for homeowners. While the primary focus is on the main dwelling, questions often arise about the extent of coverage for structures beyond the home.

Extending Coverage to Detached Structures

Home insurance policies generally extend protection to detached structures on your property. Cross Creek Insurance may contribute to repair or replacement costs if unforeseen events such as fire, theft, or natural disasters damage your garage or shed. Delving into the specifics of this coverage requires a thorough review of your policy terms.

Critical Factors at Play

Factors like the structure’s distance from your main dwelling, its purpose, and the construction materials used can influence the scope of coverage. To ensure that your policy adequately addresses all structures on your property, engaging in open communication with your Cross Creek Insurance provider is essential.

Connect with Cross Creek Insurance for Personalized Guidance

For personalized insights into your home insurance coverage or to explore our services in the greater Hope Hills, NC, area, connect with Cross Creek Insurance today. Secure your home and additional structures with confidence—email us or visit our website!