Month: July 2025

Why Regular Maintenance Is Integral to Home Insurance

Posted on by AgentInsure

Home insurance is designed to protect you if your home is damaged by things like falling branches, fires, and other accidents that could occur at any point in time. The problem? Some homeowners may think that their home insurance offers coverage for nearly any type of damage that may occur. However, that’s not exactly the case. There are plenty of exclusions in a standard home insurance policy, including damage caused by natural wear and tear. Here’s why regular maintenance is integral to home insurance. Are you shopping for home insurance? If so, get the support you need from us here at Cross Creek Insurance in Hope Mills, NC.

Why Regular Maintenance Will Save You Headaches With Home Insurance

The most important thing to know about home insurance is that it only covers accidental damage and disasters. For example, if a fire spreads to your house while you’re grilling, that’s an accident. If your roof is damaged during a storm, your home insurance will likely cover the repair costs. But what about things that degrade over time due to use? Home insurance will not cover this. If your home’s appliances or structure starts to wear out due to negligence or failure to maintain your home, those costs will fall entirely on you. Never assume that home insurance will cover something that could have been avoided with proper maintenance. Taking care of your home can help you avoid out-of-pocket costs, while home insurance covers problems that are beyond your control.

Find the Right Policy With Cross Creek Insurance

Are you trying to compare insurance policies to find affordable, desirable coverage? Cross Creek Insurance in Hope Mills, NC, is here to help! We make it easy to compare quotes so you can rest assured you’re getting the right coverage for your needs. Get in touch with us today!

Handling Auto Insurance Policy After Moving to Another State

Posted on by AgentInsure

Moving to a new state comes with a long to-do list, and updating your auto insurance should be right near the top. If you’ve recently relocated to North Carolina or are planning to move from North Carolina elsewhere, it’s important to know how a move can impact your existing policy and what steps you’ll need to take with the help of Cross Creek Insurance, serving Hope Mills, NC.

Why You Can’t Just Keep Your Old Policy

Auto insurance is regulated at the state level, meaning every state has its own minimum coverage requirements, liability rules, and insurance laws. A policy written for one state usually doesn’t automatically meet the requirements of another. For example, the liability minimums in North Carolina might differ significantly from those in your old state. Your insurer will likely need to revise your policy to comply with local laws.

Let Your Insurance Company Know Right Away

As soon as you have your new address, contact your insurance agent. They’ll help determine if your current company operates in your new state. If they do, they can adjust your existing policy to match local rules. If not, they’ll usually help you transition to a partner provider or recommend an insurer licensed in your new area.

Don’t Overlook Registration and Deadlines

Most states require you to update your vehicle registration and driver’s license within a set period, often 30 to 60 days. To register your car, you’ll typically need proof of in-state insurance that meets local standards. Delaying could result in penalties, fines, or even a lapse in coverage.

Moving already brings enough stress. By consulting with your insurance agent at Cross Creek Insurance, serving Hope Mills, NC, early on, you’ll ensure your coverage is seamless, compliant, and tailored to your new home, allowing you to focus on settling in. Contact us today.