What does comprehensive insurance cover?

Most of us understand that auto insurance is designed to protect us, other drivers, and our vehicles. However, many of us don’t understand the different types of auto insurance and what each type covers. Cross Creek Insurance of Hope Hills, NC is committed to helping North Carolina residents understand auto insurance. We take pride in educating North Carolina residents on different types of coverage. Comprehensive coverage is a form of auto insurance designed to help insurance holders cover certain expenses that arise from non-accident situations. 

What Is Comprehensive Auto Insurance?
In short, comprehensive insurance covers damage to your vehicle that results from non-accident situations. This form of coverage will pay for damage to your car if the damage is equal to or less than the value of your car. comprehensive insurance can cover damage to your car from falling trees or objects. It also covers damage to your vehicle that is the result of fires, floods, hail, and wind: In other words, weather-related damage. If the damage exceeds the value of your car, the insurance company will total the car. When a car is totaled it is considered a loss. The cost to repair the damage exceeds the value of the car. Comprehensive insurance will pay for damage to the car minus the cost of your deductible. This insurance is different from collision coverage in that it covers damage to your car that results from situations beyond your control that aren’t accident based. In other words, they don’t involve a collision with another car or motor vehicle. We are committed to helping North Carolina drivers understand comprehensive insurance and choose the best coverage for their unique situation. Give us a call. We can’t wait to answer your questions. 

Who needs to get life insurance in North Carolina?

When looking to build a strong personal insurance plan, one important form of coverage to have in place is life insurance. This form of insurance can provide financial protection to your dependants or help loved ones with costs if you were to pass away unexpectedly. For those that are in the Hope Hills, NC area, there are several situations when someone should get a full life insurance policy. 

Those Looking to Provide Financial Protection

The first situation when someone will need to get life insurance is when they want to provide financial protection to others. If you have people that rely on your income, you will want to make sure that they are properly covered by insurance. When you get a life insurance policy, you are going to be able to create a plan that is designed to meet their financial needs if you were to pass away. This can also include providing expenses to cover the end of life costs that can occur. 

Those Looking for Investment Alternative

Another situation when you may need a life insurance policy is when you are looking for a conservative investment alternative. If you choose to get a whole life insurance policy, a portion of your monthly premium payments will build up in an account that can be liquidated in the future. This offers a low-risk investment option that can be a good addition to any investment plan. 

Ultimately, those that are in the Hope Hills, NC area will want to make sure that they have a proper life insurance policy in place. If you believe that getting this form of coverage is necessary, you should speak with the team at Cross Creek Insurance. The team at Cross Creek Insurance can ensure you have proper coverage to meet your needs. 

Important Commercial Insurance Facts Small Business Owners Should Be Aware Of

Based in Hope Hills, NC, Cross Creek Insurance assists residents in the community through helping them find the insurance coverage that they need. We offer our clients multiple insurance policies to ensure that they can find coverage regardless of the situation.

Commercial Insurance

Business owners have a lot of responsibilities. They have to serve their customers, hire good employees, and keep track of a large amount of paperwork. Operating a business on a daily basis can be an overwhelming experience at times, which is why commercial insurance is an asset. Commercial insurance helps business owners manage their investment. The policy covers the business’s physical property in the event that it is damaged due to a fire or another type of natural disaster. Worker’s compensation protects your business and your employees in the event of a workplace injury.

Important Facts To Remember

Your Business Vehicle Is Covered

Commercial insurance allows you to protect any vehicles that are a part of your business. You can add liability, collision, and comprehensive coverage to your vehicle. Don’t simply rely on your traditional auto insurance policy.

Liability Coverage

Liability coverage gives you protection as your brand starts to grow and attract more people. The more customers that you have visiting your business, the more likely there will be an accident that occurs on the property and one of your customers gets injured. Liability coverage protects you if one of your customers gets injured while visiting the property.

Business Owner Coverage

As a small business owner, you can merge multiple types of coverages in a single business owner package. A business owner package is an efficient way to ensure that you are protected.

Cross Creek Insurance Can Assist You

If you have any questions about commercial insurance, stop by our office in Hope Hills, NC today. We will discuss all of your options so that you can find the coverage to help maintain a successful business.

Do You Have the Right Home Insurance for Your Hope Hills Area Home?

Owning a home is the great American Dream, and residents in the greater Hope Hills, NC community can rely on Cross Creek Insurance for all of their home insurance needs. We are here to help young families protect their first home as well as residents who just want to make sure their policy meets their needs. If it’s time for a policy review, or you are in the market for a new home, let us help you determine the level and type of policy that works for you and your family.

Choosing an Appropriate Home Insurance Policy

Sitting down to meet with your local insurance agent to review your home insurance policy options can save you a lot of stress in the long run. Think about the peace of mind that you will feel knowing that you and your family and your home are protected should a covered event occur. The right home policy can mean the difference between relieving stress during a catastrophe and feeling overwhelmed and like you have nowhere to turn.

There are many features available from a comprehensive policy that are worth a look. For example, if your home is rendered uninhabitable certain policies will provide compensation for alternative living arrangements. Think about what a relief that would be! It is stressful enough to have one’s home significantly damaged or destroyed without having to worry about where you’ll stay the night. Such policy features are worth adding to your home insurance today.

Do you want to make sure that your Hope Hills, NC area home has the protection it needs? Come in to talk with one of the Cross Creek Insurance agents today and make sure you have the right home insurance coverage!

When Is The Best Time to Shop for New Auto Insurance?

Auto insurance is a necessary expense in most states as it is required by law in order to operate a vehicle. Because it is such a necessary expense, it is important to make sure you are always getting the best deal. At Cross Creek Insurance, serving Hope Hills, NC, we love helping our clients learn more about these important insurance topics. Keep reading to learn about when you should shop around for new auto insurance. 

Annually

It is recommended to shop around annually to make sure you are getting the best deal. Shopping once a year gives you a chance to compare rates and to find out about new discounts you are now eligible for. 

When Adding a Teen Driver

When your kids start driving, you will want to shop around to make sure you are now getting the best possible deal. Adding a teen driver can increase your rates, so getting the best deal is more important. You can talk to an insurance representative to find out exactly when you should add your teen to your policy. 

After A Marriage

If you are getting married or recently got married, you will want to look into combining your and your spouse’s auto insurance policies. In most cases, a couple can get a discount just for being married. Take some time to shop around and see who is offering the best married discounts. 

After a Divorce

After a divorce, you will need to take your spouse off of your auto insurance. If you are the spouse being taken off, then you will want to shop around for a new policy for yourself. 

If you would like to learn more about auto insurance, please call our friendly staff today at Cross Creek Insurance, serving Hope Hills, NC today. We look forward to answering your questions. 

Do You Need Commercial Insurance When Working From Home?

Working from home brings with it a number of benefits. There are also a handful of questions. One such question you might wonder about is whether you need to have commercial insurance, or if your home owner’s insurance will suffice. Here at Cross Creek Insurance, we are here to help address these and all other commercial insurance concerns you might have, especially if you live in greater Hope Hills, NC. 

Home Business Insurance Needs

In general, yes, you absolutely need commercial insurance when working from home. Your home owner’s insurance protects your home, but if you’re building materials or saving stock within the property this will likely not be protected. Now, if you work off of just a computer you may be able to get away with insuring your computer, but if you produce anything in your home it is a good idea to insure it. 

Additionally, fires can start with some home manufacturing. If you sustain property damage due to your business your home insurance may not cover it. So commercial insurance can fill in this area and make sure that not only your business goods are protected, but that your property is protected in the event of any kind of business-related damage. 

Protect Your Home Business With Commercial Insurance

You have put in a considerable amount of time, money, and energy into building up your at-home business. You need to do whatever you can to protect it. One of these ways is with commercial insurance. Commercial insurance is designed to help protect your business, regardless of its physical location. So, if you live around Hope Hills, NC and run a business inside your home, our staff here at Cross Creek Insurance is ready to help address all your concerns. 

When is the Right Time to Get Life Insurance?

You won’t always be there to take care of your family. However, you can continue to provide for them with life insurance. Life insurance is designed to offer you peace of mind so you know they will be cared for. However, taking out life insurance isn’t as simple as just going in and buying a one size fits all offering. The kind of life insurance you need will differ. You may also wonder when the right time to get life insurance is. Here at Cross Creek Insurance, we are here to answer all your life insurance questions, whether you live around Hope Hills, NC, or the neighboring communities. 

It’s Always the Right Time

There’s never a wrong time to take out life insurance. When you’re younger you can find extremely affordable policies with large payouts. Now, if you’re single and don’t have anyone that would receive the money you may not necessarily need it. However, if you are married, have children, or have debts your family might take on in the event of your death, you should look into life insurance. Really there is no bad time for it. 

Now Is The Time For Life Insurance

There is no wrong time to take out life insurance. There is also no such thing as being too late. If you’re younger you can take out life insurance and have extremely small payments for large payouts. Even if you think you’re too old for life insurance you aren’t. There are plenty of options available for your price range. That is why our staff here at Cross Creek Insurance aims to offer you help. If you’re in the greater Hope Hills, NC area, we want to do everything we can to connect you with life insurance. 

Should I get home insurance in North Carolina?

Living in the Hope Hills, NC area is a great option for a lot of people. When you do live in this area of the state, it is very important that you consider all of your insurance needs. For those that own a home in this area, getting a home insurance policy should be considered a practical necessity. There are several reasons why you need to get home insurance for your property here.

Allows for Full Compliance

One of the reasons to get home insurance for your Hope Hills, NC home is that it will allow you to stay in full compliance. If you purchase your home using a mortgage, the lender will want you to carry home insurance at all times. Also, if you live in a community that has a home association, the documents will likely require that you carry insurance. By getting a home insurance policy, you can stay in compliance with all of these rules. 

Protects the Property

Even if you are not required to carry home insurance, you should still get this coverage. Your home is bound to be one of the most significant assets that you will ever purchase. To ensure that you are properly protected at all times, you should get a home insurance policy. This will give you coverage to repair or replace your home when it is necessary. 

If you do purchase a home in this area of North Carolina, it is important to properly protect it with insurance. To ensure your property is protected, you should call Cross Creek Insurance. The team at Cross Creek Insurance is aware of how important it is to choose an insurance policy. They can help you to pick a policy that is right for you and properly covers your valuable asset. 

What to Consider When Choosing Auto Insurance

If you are looking for auto insurance in Hope Hills, NC, you should consider Cross Creek Insurance. We offer many types of insurance to meet all your insurance needs. When shopping for auto insurance, here are the things you need to consider. 

How Much Coverage Do I Need? 

First, you’ll need to determine how much coverage you need. You are required to have the state minimum coverage, but you may need more. Do you have assets that could be seized in the event of a catastrophic accident? Does the coverage cover the cost to repair or replace your vehicle? Are you in a higher risk category? 

Which Types of Insurance Should I Choose?

There are several types of auto insurance.

  • Liability insurance: pays for the other party’s damages in the event the accident is your fault
  •  Collision insurance: often known as full coverage insurance. It will cover your damages in the event of a collision accident
  •  Comprehensive coverage: coves things like vandalism, hail, and theft that are not collision-related.
  • Medical payments: covers medical expenses for passengers in your vehicle
  • Uninsured motorists: covers damages to your vehicle if the other party is at fault but has no insurance or inadequate coverage 

Compare Coverage

It’s important to comparison shop when you are choosing auto insurance. A trusted insurance agent can help you consider each policy and determine which is the best for you. You’ll need to consider more than just insurance premiums. Coverage limits and deductibles are also part of the equation. 

Cross Creek Auto Insurance

At Cross Creek Insurance, we provide auto insurance coverage for Hope Hills, NC residents. Our experienced agents can explain coverage options and help you choose the best policy for your needs. Contact us today to learn more about our insurance services. 

Do I need life insurance if I am not married

Life insurance is not one size fits all. It can be overwhelming to consider the type and amount of insurance that you need. You may be questioning if you need life insurance at all if you are not married. Life insurance is not something that most people talk about and it can seem almost morbid when you do have questions. At Cross Creek Insurance in Hope Hills, NC we understand how confusing it can be and we are here to give you the guidance that you are looking for.

Life insurance should be a part of your overall financial planning. It is not just about the death benefit but it can also be a source of cash while you are still relatively young, say when you are going to buy a home. In order to know if you need to have life insurance if you are not married,  you need to ask yourself a couple of key questions. Does anyone count on you to provide for them? Do you have aging parents, a child, or other dependants?  Do you have any debt? Do you have enough assets to clear that debt?  Have you made arrangements to have your last expenses paid for? 

If you have someone who counts on your income to survive, it is important that you take the necessary steps to make sure that they will continue to be provided for if you pass away. You also don’t want to leave your loved ones to clear up your debts and try to come up with enough money to pay for your final expenses. Even if you are not married, life insurance can offer peace of mind to you and your loved ones.

If you are ready to discuss life insurance the team at Cross Creek Insurance in Hope Hills, NC is always ready to sit down with you and discuss this important coverage. Stop by our office or give us a call to set up an appointment.