Tips to Properly Maintain Your Roof

Maintaining Your Roof’s Integrity: Tips for Homeowners in Hope Hills, NC

In the greater Hope Hills, NC area, homeowners realize the significance of maintaining the lifespan and structure of their roofs. Regular upkeep can prevent costly repairs in the future and prolong the roof’s life. At Cross Creek Insurance, we appreciate the critical role of a well-maintained roof and offer these tips to help keep your home safe and secure.

Regular Roof Inspections

Plan regular inspections of your roof to spot potential damage, such as missing or damaged shingles, cracks, or leaks. It’s recommended to conduct inspections at least twice a year, mainly during spring and fall and also after severe weather conditions.

Keeping Gutters and Downspouts Clean

Blocked gutters and downspouts can cause water to back up, leading to possible damage to your roof and home’s foundation. Regularly cleaning your gutters and downspouts ensures effective drainage and prevents water from pooling on your roof.

Trimming Overhanging Branches

Tree branches overhanging your roof can scrape against it, potentially damaging the shingles. It can also promote the growth of mold and mildew. By keeping overhanging branches trimmed, you minimize potential damage and keep your roof free from debris.

Prompt Damage Repair

Attend to any signs of damage to your roof promptly. This can help avoid minor issues escalating into more significant, costly repairs. Maintain your roof’s integrity by replacing missing or damaged shingles, repairing leaks, and fixing damaged flashing.

Got Your Roof Covered?

A well-maintained roof enhances your home’s curb appeal and offers essential protection to your family and belongings. Contact us today to learn more about our home insurance options in the greater Hope Hills, NC, area. We’re here to reassure you that with Cross Creek Insurance, your home is in safe hands.

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

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!

Home Insurance for Historical Properties in Hope Hills, North Carolina

Home insurance is a crucial part of owning any home, but if you are the proud owner of one of the many historical properties that line greater Hope Hills, NC, it becomes much more than that. Purchasing home insurance is important for safeguarding these cherished monuments with period-specific architecture, intricate designs, and breathtaking features. After all, such heritage-rich buildings are local icons and works of art.

A Home Insurance Policy and Your Historical Home

Historical buildings may have undergone extensive preservation efforts to restore them to their former glory. That makes these properties unique after their restorations or even irreplaceable. That is because regular, run-of-the-mill homeowners’ insurance may not adequately cover all the costs of rebuilding or restoring a historical building back to its original state. However, at Cross Creek Insurance, we provide home insurance that is customized for historical homes that take into consideration their unique craftsmanship and all the specific materials that were involved in the creation of such structures. It is then tailored to the particular needs of such properties.

You should also consider a comprehensive policy that will protect you from fire and natural disasters since older homes are much more likely to sustain damage if such events occur. Many more risk factors are involved, including outdated plumbing, heating, and electrical systems. You will need insurance to cover the costs of updating these systems to meet current codes and safety standards. Also, the damage from coastal storms can be quite severe in the Hope Hills, NC area, so you will want to be prepared.

Learn about Insurance Options from Cross Creek Insurance

We believe that preserving historical properties is a community responsibility. That is why, at Cross Creek Insurance, we are committed to offering the citizens who live within them the most comprehensive plans for the most reasonably priced premiums. If you have recently acquired an older home and are unsure how to protect your new asset best, call us. We would be glad to help you!

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. 

Does home insurance cover damage to your pool?

Hope Hills, NC residents certainly enjoy using their pools in the summer. As many people in the area probably have a pool, our experts from Cross Creek Insurance often get the same question. Does home insurance cover damage to my pool? They are the source of relaxation and entertainment for thousands of people throughout North Carolina but are also a considerable investment. Knowing how your insurance works with pool damage is essential.

When Does Home Insurance Protect My Pool?

There are instances when your home insurance policy can help pay for damages to your pool. Everyday events outside your control that are considered coverable events could include damage from fire, hail, lightning strikes, or severe weather conditions such as hurricanes or tornadoes. In these cases, your home insurance policy may provide coverage for the necessary repairs or replacement of your pool. Depending on your pool (above-ground or in-ground), we help you understand what part of your policy covers your pool structure.

Instances not considered typical perils would not be included in your insurance protection. Some examples would be general wear and tear to the pool, neglected maintenance, or intentional damage caused by the homeowner. These situations are considered the homeowner’s responsibility and are not covered under a standard home insurance policy. Pools can cost between $20,000- $50,000 or more, depending on the size and features. Considering the potential financial impact of pool repairs or replacement is essential.

Get A Home Insurance Policy In Hope Hills, NC

Before you dive into your pool, give Cross Creek Insurance a call. We’d love to help you navigate home ownership with the peace of mind you deserve. Call today to get a quote!

Questions to Ask Your Agent Before Purchasing Home Insurance

At Cross Creek Insurance in Hope Hills, NC, we offer home insurance to help protect your investment. We recommend asking these four questions when you are ready to purchase a homeowner’s policy. 

Am I Required to Buy Home Insurance?

North Carolina law doesn’t require you to buy home insurance. However, most mortgage lenders do require it. If you have a mortgage or lean on your home, contact your lender to learn their requirements before purchasing a policy. 

What Perils are Covered by the Policy 

A peril is an event that can cause damage to your home. A standard homeowner’s policy covers many potential disasters, including fire, theft, vandalism, storm damage, smoke damage, and explosions. 

A standard homeowner’s policy does not cover earthquakes and flooding. You may need separate policies to cover these perils. 

What Property and Possessions are Covered

Your policy will cover the structure of your home and your possessions within the home, up to the coverage limit. If you have very valuable items, discuss your coverage limits. You may need a policy rider for expensive items. 

In addition, your policy covers other structures on your policy. This includes sheds, freestanding garages, and fences. 

What is Covered Under Liability

Most homeowners purchase a policy to protect their home’s structure and belongings. However, your homeowner’s policy also covers liability. 

If someone is injured on your property or their property is damaged, your homeowner’s policy will cover the costs of medical expenses or replacing damaged items. 

Home Insurance at Cross Creek Insurance

If you need a homeowner’s policy in Hope Hills, NC, contact us at Cross Creek Insurance. Our agents are ready to discuss your needs and answer any questions you may have. 

Does My Home Insurance Policy Cover My She Shed?

If you’re a Hope Hills, NC homeowner with a she shed, you may wonder if your home insurance policy covers it. After all, it extends your home, so you probably want it covered in case of any damage. The good news is that most home insurance policies will cover she sheds. However, there are a few things you need to keep in mind.

What is a She Shed?

A she shed is basically a backyard shed that has been turned into a space for relaxation and creativity. They are becoming increasingly popular, especially among women who want a place to escape from the hustle and bustle of everyday life. She sheds can be decorated however you want and can be used for anything from reading and writing to crafting and gardening. 

Do I Need Insurance for My She Shed?

A She shed is usually a separate dwelling on your property. While it may not require its own insurance policy, notify your provider of the structure’s existence so they can ensure it’s covered in your existing homeowner’s policy. Also, look into what kind of protection against theft or vandalism exists for a she shed. For questions about your policy in Hope Hills, NC, contact your Cross Creek Insurance agent.

What Does Home Insurance Cover?

Home insurance policies typically cover damage from events like fires, storms, theft, and vandalism. Your home insurance would most likely cover the repairs if one of these events damaged your she shed. However, there are some exceptions. For example, if something specifically excluded in your policy caused damage, like termites or wear and tear, most policies won’t cover it.

In short, most home insurance policies will cover she sheds. If you have questions about your policy or what it covers, contact Cross Creek Insurance. We’re always happy to help!

Home Insurance Protects Home Owners From Liability

Home insurance is essential for homeowners because it protects them from liability. There are many scenarios where a homeowner may face the threat of liability. Having the protection of reliable insurance in place offers peace of mind and security from financial losses. The agents at Cross Creek Insurance are proud to offer the residents of Hope Hills, NC, and the surrounding areas top insurance products to protect them. 

Home Insurance Protection

Home insurance coverage protects homeowners against losses such as fire, theft, unexpected damage, and vandalism. It also offers protection from liability. For example, if a guest hurts themselves on your property, your home insurance may cover the expenses related to injuries. It’s a way to ensure you don’t incur financial losses due to your actions or incidents on your property. 

If you are unsure how to secure your home insurance, our agents will assist you. We can carefully assess your current needs and sit down with you to provide you with carefully matched insurance products to provide a solution. Not only do we offer support and service while you search for insurance products, but we also provide service for any changes you encounter or covered claims submissions. 

Learn More Today

If you want to secure home insurance coverage that offers liability protection, please get in touch with Cross Creek Insurance, which serves Hope Hills, NC. Our team of experts is standing by to help you get the insurance protection you need for peace of mind. Don’t wait to cover what matters to you and prevent financial losses due to liability claims and other covered events. 

Putting Up Holiday Decorations? Tips to Help You Avoid Home Damage When Decorating for the Holidays

The holidays are here, and many homeowners decorate to celebrate. Unfortunately, during the process, many homeowners also make mistakes that can damage their homes. Here at Cross Creek Insurance, providing Hope Hills, NC residents with home insurance, we want to help you celebrate without damaging your home.

Here are a few tips to help you avoid home damage as you decorate for the holidays. 

Never Use Nails to Secure Outdoor Lights

One of the most common mistakes homeowners make is using nails to nail their holiday lights on their roofs or gutters. This can lead to water leaks and siding damage. Always use light clips instead of things like staples or nails. 

Keep Your Inflatables Away From Your Home’s Siding

Another common mistake homeowners make when decorating for the holidays is placing their inflatables against the siding of their homes. The inflatables can trap water or moisture against the siding of your home, leading to rot. Always leave enough space between the siding on your home and your lawn inflatables. 

Do Not Overload Your Electric System

Lastly, ensure you never overload your electric system as you decorate for the holidays. If your lights start to flicker or you pop circuits, you are overloading your system. This can lead to electric fires or major electric system issues. 

While you can work to prevent damage to your home caused by decorations, not every type of home damage can be prevented. This is why home insurance is so important. If you are in the market for a new insurance policy or are unsure if your current policy best meets your needs in the greater Hope Hills, NC area, the team at Cross Creek Insurance can help. Call us today to get started. 

Understanding What Home Insurance Doesn’t Cover

Home insurance protects your home and belongings in case of a covered loss. However, it’s essential to understand what your policy does and does not cover. This blog post will look at a few examples of what most home insurance policies in Hope Hills, NC don’t cover.

High-End Jewelry

Many home insurance policies limit how much they will pay for high-end items such as jewelry. You will need to purchase additional coverage if you have any jewelry worth more than your policy’s limit. Schedule a home inventory with your insurance agent to determine how much coverage you need. They will help you assess your belongings’ value and ensure you have enough coverage.


Another common exclusion in home insurance policies is flooding. Flooding is not included in home insurance because it’s a familiar and costly type of damage. To cover flooding, you must purchase a separate flood insurance policy. If you live in an area prone to flooding, ask your agent about buying flood insurance. At Cross Creek Insurance, we can help determine if you need flood insurance and how much coverage you need.

Personal Property limits

Many home insurance policies limit how much they will pay for certain types of personal property. For example, there may be a limit on how much the policy will pay for electronics or clothing. We recommend doing a home inventory with your agent to ensure you have enough coverage for all your belongings.

It’s essential to understand what your home insurance policy covers and doesn’t cover. Be sure to talk to your Cross Creek Insurance agent about any concerns you have about your coverage. We’re here to help you get the protection you need.