The greater Hope Hills, NC community can rely on the team at Cross Creek Insurance for all of its insurance needs. If you have questions about auto insurance, we can help! Our team is here to help guide you through your insurance decisions. Give us a call or stop by the office today!

What does your auto policy cover when you’re renting a car?

We all know the confusion that occurs when we are asked what insurance we want when renting a car. This can cause us to be over or under-insured. Do you know what your auto policy covers when it comes to car rentals?

It is common for people to do a little research when choosing their auto policy and then never really think about it again. This can create some issues when it comes to missing out on features you are paying for. There’s no reason to pay twice for a service!

Car rental insurance is one thing that many folks don’t realize comes with many auto policies. If you’ve never checked your policy to see what features it provides, it may not be a bad idea to sit down with a local agent. It’s a smart idea to know what you are paying for when it comes to your auto policy! If you want to have the insurance you need when renting a car, it’s a great time to review your policy.

Give us a call today!

The entire Hope Hills, NC area can count on Cross Creek Insurance for their insurance needs. If you are unsure if you have the auto policy that best meets your needs, call us today. We are here for you!

Though you may not want to spend any extra money on life insurance, the truth is that it could be a big mistake. Life insurance is meant to give you peace of mind to help your family after you are gone.

However, it is more than that. Here are many reasons why you need life insurance. 

Your family will get a lump sum of money after your death. Your beneficiaries will get their money in order to help them through difficult times. They will have the money to pay for your funeral, as well as keep their life going while dealing with their grief. 

If you were the primary breadwinner (and even if you aren’t), this money can help replace your income. It can help them keep up with their bills, including your mortgage, health care, electricity, and everything else. This will give them time to grieve before having to figure out how they are going to pay for everything without you. 

It is tax-free. If your policy is for fifty thousand dollars, your family will get all of it. They won’t get taxed and lose some of that money to the government. 

If you don’t want to worry about your family when you are gone, you need to get life insurance. They will get a lump sum of money to keep their bills paid, while they are dealing with their grief. Even better, it is tax-free, so they will get all of it! 

If you want to make sure that your family is protected, in case of your death, you should contact Cross Creek Insurance in Hope Hills, NC. We will make sure that you have enough life insurance to help your family. 

Hope Hills, NC area small business owners can rely on the folks at Cross Creek Insurance to help them secure the necessary policy to protect their businesses. We believe that business ownership is an important part of our community, and are dedicated to helping those in our area get the insurance coverage they need.

Protect your business with the right commercial policy

Protecting your business from loss and liability is a job for any successful business owner. There is a lot that can go wrong when it comes to running a business, and it only makes sense to have the right commercial policy in place.

As businesses grow and become more successful, their insurance requirements can change. It’s important to review all commercial policies at least once a year, if not twice. Making sure that your commercial policy is keeping pace with company needs is often a task that is overlooked or left undone.

Savvy business owners take the time to review all of their insurance protection needs on a regular basis. If their reviews reveal any gaps in coverage, they take the steps necessary to fill them. When a company has the right comprehensive insurance policy in place, owners and managers can focus on keeping the company thriving. There is no reason to have insurance coverage that lags behind a company’s needs. 

If you are unsure if your company has the right insurance in place, now is a great time for a policy review. Protect your company with the right policy.

Now is the perfect time to review your options!

Cross Creek Insurance is here for business owners in the greater Hope Hills, NC area. If you want to protect your business with a comprehensive commercial policy, give us a call today.

When you have people who will be left behind after you pass away, it’s important to have life insurance to give them a helping hand. This is especially important for anyone who is dependent on either your salary or your services. Whole life insurance is one type of life insurance that is popular for its many advantages. Find out what whole life is and how it works. If you need coverage, call us today at Cross Creek Insurance in Hope Hills, NC.

Insurance for Your Whole Life

Term life insurance is a type that is good for one set term such as 20 years. However, whole life insurance is good for the rest of your life as long as you keep paying the premiums as agreed. As long as you keep up the payments, it will be there for your loved ones no matter how old you become. This insurance is often preferred for just this reason. With term insurance, you would have to shop for a new policy after the term ended, and that would be at a much higher rate. With whole life insurance, you can keep it for as long as you want it.

Building a Cash Value

Another reason that this type of life insurance is so popular is that it builds a cash value over time. This means that after a few years, the policy will start to include a portion of the proceeds that it earns through your policy into a cash value that you can then borrow against. This can solve a serious financial problem if you need quick access to cash sometime in the future. 

Get Your Life Insurance Policy

If you are interested in a whole life policy, contact our office today at Cross Creek Insurance in Hope Hills, NC.

When you have a business in North Carolina, there are certain types of commercial insurance that you need to have. These keep you compliant with the law as well as protecting you financially if something should go wrong. If you need any of your required commercial policies or one that is smart to have but not required, call us at Cross Creek Insurance in Hope Hills, NC.

Workers’ Compensation Insurance

When you have a business that has three or more employees, you have to have workers’ compensation insurance. The employees that you have might be part-time or full-time. This coverage pays for the medical bills and other expenses, including lost wages, that may be due when an employee gets injured at work. Injuries on the job are ones that your business is liable for, and having workers’ compensation insurance makes it unnecessary for employees to sue you after an accident. 

Commercial Auto Insurance

If your business owns a vehicle, that vehicle must have a commercial auto insurance policy. This coverage is required to have different types of liability insurance. It must include at least a certain amount of bodily injury liability for when one person is injured in an accident that your driver caused. There is also a required amount for two or more people who are injured in an accident caused by your driver. There is also a minimum amount required for the damage to another person’s property, called property damage liability. For trucking companies, there may be other coverage types required in order to stay compliant with regulations. 

Get Commercial Coverage

If you have a business and you need commercial insurance, give us a call at Cross Creek Insurance in Hope Hills, NC. Talk to an agent about your specific business and find out what kinds of insurance you may need.

There are many benefits of choosing term life insurance over permanent life insurance in North Carolina. The choice can seem difficult because there are many benefits to permanent life insurance as well.

At Cross Creek Insurance, we know that Hope Hills, NC residents have a lot of options when it comes to choosing life insurance. We can help you to choose the plan and the policy that is best for you.

What is the Difference Between Policies?

In term life insurance, you choose a policy that expires at the end of the term. You choose the coverage amount for your budget, with a term of 5, 10, or 15 years. 

If you pass away during the term, the coverage is paid out to your beneficiary in one lump sum. This death benefit will cover funeral costs, income replacement, and pay for expenses for your beneficiary. 

Permanent life insurance is life insurance that has a cash value. This is considered an asset, from which you can collect dividends, withdraw from, or borrow against. It is typically more expensive than term insurance.

Benefits of Term Life Insurance

Term life insurance is excellent coverage for life insurance and offers traditional benefits of life insurance. The key benefit for the policyholder is that it is more affordable than premium life insurance. It also offers you a higher amount of coverage for a lower rate, with premiums that are set for the term.

The primary benefit is that it offers life insurance coverage at any time of your life when you have something to protect in the event that you pass away.

Get a Quote

If you are considering life insurance, term life insurance is a great start. At Cross Creek Insurance, we want Hope Hills, NC residents to know their options before they make the commitment. Call us for a quote today.

Those that are in Hope Hills, NC and have a dream of being their own boss could find that this is a great area to start a small business. When you are looking to establish a business in this area, you will always want to know that you are properly insuring your company. There are a few reasons why you will want to have commercial insurance coverage for your business here.

Protect the Organization

A primary reason to have a commercial insurance plan is so you can protect your organization. There is a lot of work and investment that goes into building a company and you will want to ensure you protect it. Commercial insurance will offer you several valuable forms of coverage. This includes giving you coverage if you have assets that are stolen or damaged or if you are named liable in a lawsuit.

Ensure Compliance with Agreements

You will also want to have a commercial insurance plan to ensure you remain in compliance with any and all agreements. The average business in this area will sign many agreements that can require them to carry coverage. This can include agreements with investors, lenders, landlords, vendors, or other interested parties. Having a quality commercial insurance plan will keep you in compliance with all such agreements.

Those that want to get commercial insurance in the Hope Hills, NC area will always want to know that they are fully covered with insurance. As you are looking for protection in this part of the state, calling Cross Creek Insurance is very beneficial. If you do call Cross Creek Insurance, you can be assured that you will get the support needed to fully evaluate your commercial insurance and choose a plan that is ideal for your situation. 

Life insurance can be a confusing topic to figure out. Here are a few terms that will help you clearly speak the language of life insurance. For more details on these terms or on any other life insurance questions you have, trust the professionals at Cross Creek Insurance serving Hope Hills, NC to meet your needs.

Annuity: This pays out a fixed sum of money to the policyholder at regular intervals

Beneficiary: The person or people are chosen by the policyholder to receive the proceeds from an insurance policy if the insured dies

Death Benefit: Amount of money paid out to a beneficiary after the policyholder dies

Evidence of Insurability: Documentation provided during the application process to prove the health of the insured person.

Face Value: This is the amount of money that will be paid out when the insured dies. For example, if the insured purchases a $100,000 policy, that is the amount that their beneficiaries will receive.

Insured: The person that benefits will be paid out for in the event of their death

Life Insurance: When a policyholder pays premiums to an insurance company, and the insurance company agrees to pay the face value to the beneficiaries upon the insured’s death

Living Benefits: Advance cash payment of part of a policy before the policyholder dies. Provides financial assistance to the insured before their death

Policy Holder: The person who bought or owns the life insurance policy

Term: The amount of time that the policyholder is insured

Underwriter: The person or company that decides if a potential policyholder is insurable

To find out more about life insurance or get a policy, contact the team at Cross Creek Insurance serving Hope Hills, NC today!

In the Hope Hills, NC area, there are a lot of opportunities for businesses to be successful. Those that are looking to build a business in this area of the state need to make sure they insure and protect it as well as they can. A great way you can do this is by getting commercial insurance, which offers several forms of protection. 

Stay in Good Standing with Requirements

An important reason to have commercial insurance in this area is so you can stay in good standing with your requirements. Those who choose to start a business may need to raise money from banks or investors and may want to lease a building to operate out of. In these types of agreements, there is almost always a requirement when it comes to maintaining commercial insurance. If you do not have this coverage, you will be out of compliance and could face penalization. 

Protect Solvency of Company

You also should get a commercial insurance plan as it can help to protect the solvency of your business. To start any type of business today, you will need a lot of capital to get it off the ground. Losing this investment due to an accident or unforeseen event can be very damaging. Due to the coverage it provides, a commercial insurance plan can help to protect this solvency.

As you are looking for a commercial insurance plan in the Hope Hills, NC area, it would always be a good idea for you to speak with a professional. The team with Cross Creek Insurance offers the support needed to build a proper plan. Cross Creek Insurance can help by carefully evaluating and assessing your situation and helping you build a plan that will meet your needs. 

Those that are in the Hope Hills, NC area are going to want to have proper insurance in place at all times. A form of coverage that all people should consider here is life insurance. There are several forms of life insurance to consider when you are in the market, the two most common of which are whole and term life. You should consider the features of each plan type when choosing a new policy. 

Term Life Coverage

A common form of coverage to have here is term life insurance. People often prefer to have term life insurance because it provides coverage for a specified period of time and can come with any policy level that you want. This makes it easier to build a plan that is curtailed to meet your needs. Further, the premiums tend to be more affordable than other policy options.

Whole Life Coverage

People all over this state should also consider getting a whole life insurance plan. When you have whole life coverage, you can have a life insurance plan that will provide coverage for the rest of your life. An added benefit is that a whole life plan will provide you with an investment benefit as some of your regular payment will build in an account and grow with interest, which you can close and convert to cash in the future. 

Choosing a life insurance plan in the Hope Hills, NC area is always going to be an important decision. If you are looking for a new plan here, it would be a good idea for you to call Cross Creek Insurance. Those that are going to work with Cross Creek Insurance can learn a lot about their different insurance options and will receive the support needed to choose a new plan that provides the ideal coverage for their situation.