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!

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. 

Does my homeowner’s insurance protect my home if there is a flood or fire?

What is there not to love about owning a home in Hope Hills, NC? With the weather, the people, and all the other amenities, there is very little to complain about. However, sometimes unfortunate events happen even in places where it is least expected.

That is why at Cross Creek Insurance we work with every client to make sure they have the protection they really need based on their personal risks. It can be traumatic enough to go through a disaster without finding out that you were not covered under your current insurance policy for that particular scenario.

An insurance policy is really a contract between the insured person and the insurance company. The contract spells out the level of protection, what exactly is being protected, what kinds of perils are being protected against, and how much the protection costs. Anything that is not in the contract will not be enforceable.

A standard homeowner’s policy will protect the home, the property, and the belongings in the home and on the property, up to certain limits. It will also protect from certain named perils, such as theft, fire, and hail damage. In case of a serious incident, the homeowner may be able to expect the policy to cover property damage, temporary housing, and liability protection.

It is important to note that a homeowner’s policy in Hope Hills, NC will not cover flood damage. If a homeowner wants that kind of protection, it can be purchased separately.

Not everyone needs flood insurance, but you don’t want to find out that you need it when it is too late. If you want to find out how to check if your property is in a flood zone, or if you just want to discuss your policy, please call Cross Creek Insurance today.

How to Choose a Hope Hills Home Insurance Policy

Living in the Hope Hills, NC area is a great option for many people. This area of North Carolina provides people with a great local economy and many other local amenities. Because of this, it is also a great place to buy a home. If you do purchase a home, you also need to make sure that you get a quality home insurance policy. There are several tips to follow to ensure that you choose the right home insurance policy for your situation.

Coverage Limits

When you are getting a home insurance policy, you should consider your coverage limits. This will have to include property coverage that provides you with coverage to pay off your mortgage and also to rebuild your home if necessary. Additionally, you should consider your personal liability needs and make sure that this component of your policy properly covers your insurance needs and risk as much as possible. 

Consider Your Personal Assets

All home insurance policies will come with a component that provides you with coverage for your personal assets. However, there is often a limit on how much value one covered asset can have. If you have expensive jewelry, collectibles, or other valuable assets, they may fall outside of your policy. In these situations, you should invest in an additional insurance policy rider. 

Choosing your Hope Hills, NC home insurance policy is a very big decision. To ensure that you are making the right choice for your situation, you should contact the team at Cross Creek Insurance. When you do want to get home insurance, you should have an expert help you to choose a policy. Cross Creek Insurance will be able to carefully consider your needs and then help you to get into a great policy. 

Home Insurance: What it Really Covers

When you purchase a new home, you’re making a financial investment.  It’s an investment that you need to protect with the right insurance.  Of course, homeowners’ insurance protects if there is a fire or damage from severe weather but it does so much more.  The team at Cross Creek Insurance works with homeowners in the Hope Hills, NC area so they understand the challenges they face. 

Consumers often don’t realize how much protection their homeowners’ policy provides.  Yes, it provides coverage for storm and fire damage allowing you to recover more quickly but the protection goes even further.  A policy will also cover all personal items and furniture in the home.  This can even include some items that are damaged or stolen when you are not at home.  If a laptop, for example, is stolen, it will still be covered.  Additionally, policies include liability coverage so that the homeowner is protected if someone is injured on the property.  For instance, if someone slips by the pool and the homeowner is deemed negligent, the policy will cover the injured person’s medical bills.  It will also cover legal fees if they decide to sue. 

Home insurance policies also protect any structures on the property such as outbuildings, sheds or pergolas.  Any structures, such as fencing or gazebos, can also be covered.  This level of protection for homeowners is extensive but it’s also important to understand the things that are not covered.  Homeowner’s policies do not cover flooding events in most cases.  For instance, if a water heater fails and floods a hallway, that will be covered.  If there are heavy rains and the home floods, that won’t be covered.  A separate flood insurance policy is needed if the home is at risk. 

At Cross Creek Insurance, our team works with homeowners throughout the Hope Hills, NC area to get the right coverage for their property.  Come in today to visit with the agents and get a quote.  Now is the time to protect your investment!

What Hope Hills, NC Homeowners Need to Know about Personal Property

Preparing to pack all of your belongings for a move can be more enjoyable as you are getting ready to purchase a home.  As one of the largest purchases, a home can also be a smart real estate investment and owners are usually excited to close on the loan for this acquisition.  As a requirement for most home loans, people need to make arrangements for homeowners insurance and the items considered as personal property would be part of smart planning with this process.  The area of Hope Hills, NC has some incredible opportunities for homeownership and a purchase can be one of the most exciting plans for people to enjoy.

With home insurance, the owners might consider personal property coverage to protect the items they own.  This could include personal belongings, appliances, and furniture.  As another consideration, there are often options to cover high-value items, such as electronics and jewelry.  The cost to insure personal property can be included in the rate for home insurance.  You may want to have more discussions with a qualified insurance company if you have any items stored off-premises.  Cross Creek Insurance is experienced working with homeowners for insurance.  The staff can simplify the purchase process and make it more comfortable when preparing to move. 

A home purchase should be an exciting achievement so feel comfortable asking questions about the process.  Serving Hope Hills, NC, Cross Creek Insurance is ready to help you through it and our experienced staff is available to give you a quote for homeowners insurance.  You can visit the website for more information or contact the company by phone.  Feel confident your personal items are taken care of and plan to enjoy a simpler process while purchasing your home.

 

Review your home insurance before storm season starts

Storm season will be here before we know it, and it makes sense to start preparing now. The team at Cross Creek Insurance is here to help the greater Hope Hills, NC community get ready for the storm season. Knowing that you have the right home insurance policy in-place will allow you to ease your worry if a storm were to hit our area. Don’t wait until the damage is done to make sure that you are protected. We are here to provide all your insurance needs, including policy reviews.

Now is a great time to review your home insurance policy

Having the right home insurance at the correct coverage level can make storm season less of a headache, should an event occur that damages your home. A local agent can also help you in the event that you need to file a claim, which is why we always think it’s a great idea to always work with someone who knows your area. If your home value has increased or the property values in your neighborhood have changed, you may need to adjust your policy levels. The time before storm season offers a good opportunity for you to review all of your insurance and make sure that everything is inline. It’s never fun to find out that you don’t have the right insurance after a damaging event has occurred! In fact, it is a great idea to review your entire insurance portfolio each year to ensure that you and your family have the protection you need.

Let’s review your home insurance policy now, and make sure that you have the protection you need! Call or stop by Cross Creek Insurance today and let us help you cover your Hope Hills, NC home. 

Summer Cleaning Tips for Homeowners

The summertime is fast approaching and you are ready for a fresh new look in your home. Start with some quick tips that will keep your home fresh and clean throughout the summer months. You can also rely on the Hope Hills, NC agents at Cross Creek Insurance to give you information regarding home insurance.

Start with your refrigerator. It’s time to pull out all the old food and remove the shelves. Throw away any food that has spoiled or is past its expiration. Wipe down the inside of the refrigerator with mild soap and water. Avoid using harsh sprays because this can linger and damage your food and drinks.

The coffee maker should be your next stop in the kitchen. Depending on whether you have a single-cup maker or a multiple-cup coffee maker, you should run it through a cleaning cycle with vinegar and water. If there are stubborn coffee deposits, you can soak it in soap and water.

Toast is another morning favorite, but the toaster has had its challenges. When you begin to smell burning due to random crumbs at the bottom of the toaster, it is time to clean it. Some toasters have a small removable crumb tray. Wipe the rest of the appliance with a damp washcloth.

Remove all the blinds and wipe them down with a damp sponge. While the blinds are down, you should also clean the windows. If your house has ceiling fans, this is the perfect time to clean them as well as any light fixtures.

A great non-abrasive cleaner is a baking soda and water combination. You can turn it into a paste for a porcelain bathtub or tile walls.

Having your home clean for the summer can make your season go smoothly. Talk with one of the agents in Hope Hills, NC at Cross Creek Insurance to discuss your homeowner’s policy and its coverage.

 

When Is It Time to Update Your Home Insurance Policy?

Here at Cross Creek Insurance, serving the greater Hope Hills, NC area, we recommend that you take a look at your home insurance policy every two to three years and ensure it still meets your needs. But there are also a few times that you should automatically change it without having to wait. Here are three of the times when you should update your home insurance policy. 

You’ve Renovated or Remodeled Your Home

Following a home renovation or remodel project, you should take the time to update your home insurance policy. After remodeling or renovating, the value of your home and the items contained inside have changed. As such, you may need to update your policy limits to ensure your new materials or space will be fully covered in the event disaster strikes. 

You’ve Purchased Expensive Items

Another reason why you may need to update your home insurance policy is that you’ve purchased new items for your home. When you’ve purchased new items for your homes, such as jewelry, art, pricey furniture or electronics, you want to ensure these items are covered against theft and damage. Updating your policy helps to ensure that happens. 

You’ve Made Life Changes

Lastly, if you have made changes in your life, you may want to update your policy. This includes getting married, having a baby or retiring. You should always look at all of your insurance policies when making life changes. 

Do you need to update your home insurance policy or purchase a new one in the greater Hope Hills, NC area? Then contact Cross Creek Insurance today. We can help you find the right insurance policy for your needs. Call us now to get started. 

How to Make Sure Your Homeowners Insurance is Adequate

Most homeowners rarely think about their home insurance except for those rare times when they actually may need it. The unexpected is what catches everyone off guard. Home insurance benefits from an annual review as part of general home maintenance and protection. Talk with your agent at Cross Creek Insurance serving Hope Hills, NC and the surrounding areas at least once per year to get good advice.

Here are some tips of what to consider when making sure home insurance coverage is adequate:

  • Carefully Assess Risks and Coverage: Update the replacement cost amount that is insured by using cost estimation software with the help of your agent. Make sure the software calculates the replacement value using current construction and repair costs for the area where the home is located.
  • Extend Standard Policy Coverage: Basic home insurance coverage is usually not enough. If the home is located in a high-risk zone with a greater risk of having natural disasters such as floods, hurricanes, tornados, and earthquakes, having additional insurance for these special risks is a very good idea. Potential damage from hail during thunderstorms should be covered if that risk exists. Also, consider extended replacement cost coverage for these risks because reconstruction, after a natural disaster, is more expensive due to the high demand for services following such an event.
  • City Sewer Backups: Often overlooked, is insurance coverage for damage caused by municipal sewer systems that back up. Cities will older sewage systems can clog up and the sewage may run back into a home causing damage during severe thunderstorms.
  • Expensive Personal Items: Valuable personal items in a home may not be covered, or the coverage may be limited, and they may need to have specific insurance protection.

Ask your agent at Cross Creek Insurance in Hope Hills, NC about these risks to make sure you have adequate coverage.