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 Many more risk factors are involved, including outdated plumbing, heating, and electrical systems.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!

Collision and Comprehensive Coverage in Your Auto Insurance Policy

When you get an auto insurance policy, it comes with a lot of different types of coverage. Some of these are required by the state, and some aren’t. Having all the coverage types can be helpful so that you and your vehicle are well-protected. Having liability insurance is required, and this comes in two types. There is bodily injury liability and property damage liability. To add to this coverage, you should have both collision and comprehensive coverage. Each protects you in a different way. Contact us at Cross Creek Insurance in Hope Hills, NC to get your auto insurance policy.

Collision Auto Coverage 

When you have liability coverage, it will cover the damages done to someone else and pay for their medical bills and repair bills. However, liability coverage doesn’t pay for damage to your vehicle. If you’re found to be at fault for an accident, collision coverage will pay for the damages to your own vehicle. If the vehicle is totaled, the policy could pay for a new vehicle or pay what the vehicle was worth when it crashed, depending on your specific policy. No one should be without this coverage just in case they should be at fault for an accident. 

Comprehensive Coverage

It’s also important to opt for comprehensive coverage in your auto policy. This coverage protects you against many things that can happen when the vehicle isn’t being driven. Many accidents and other incidents can happen to a vehicle when it isn’t on the road. With this coverage, you’re protected against them. 

Get Auto Insurance

If your auto policy doesn’t include comprehensive or collision coverage, it’s time to add it. Call us at Cross Creek Insurance in Hope Hills, NC to discuss the types of coverage you need. 

The Benefits of Whole Life Insurance

To leave something behind for those around you, you need a life insurance policy to ensure financial help. When you need a life insurance policy, a beneficial type is the whole life insurance policy. This is a type that has a lot of advantages for the policyholder. It’s essential to have life insurance when people depend on you financially. If you don’t yet have as much life insurance as you need, call us at Cross Creek Insurance in Hope Hills, NC.

Long-Term Coverage

If you chose the other primary type of life insurance, called term life, the policy would have a clear expiration date. Once you reach that date, you’d have to apply for and get a new life policy. However, that isn’t the way a whole life policy works. With these policies, they will never expire. They will be good for as long as you’re alive and will pay a death benefit to your beneficiaries when you go. Always knowing that as long as you pay for it, the policy will be there for you can be a huge addition to your peace of mind. You’ll know that your loved ones will be taken care of. 

Cash Value

Whole-life policies have another major benefit for policyholders. They have a cash value after the first few years that the policy is in place. This cash value grows slowly and can become a significant amount of money. You can borrow against this amount if you have an emergency. This can be a financial backup in case of financial need. 

Get Life Insurance

When you need life insurance, we want to help. To get started with this type of insurance, call us now at Cross Creek Insurance in Hope Hills, NC.

Four things to keep in mind when you buy commercial insurance

While running your own business is rewarding, it also involves a lot of responsibility and stress. Fortunately, commercial insurance can provide business owners with security and help ensure a company’s financial obligations are met. Cross Creek Insurance offers commercial insurance to business owners in Hope Hills, NC.

The following are four things that you should keep in mind if you’re in the process of buying commercial insurance. 

Some types of commercial insurance coverage may be required by law.

Business owners shouldn’t assume that buying commercial insurance is always optional. In some situations, business owners are required by law to purchase commercial insurance coverage.

Commercial auto and workers comp insurance, in particular are types of commercial coverage legally required in many situations. 

It would be best to get quotes from a few commercial insurance providers.

Commercial insurance providers in your area can provide you with a quote on a policy. It’s essential to get numerous quotes that you can compare so that you can be sure that you’ve chosen a good option for your commercial insurance coverage. 

Commercial insurance coverage may be subject to various exclusions.

Don’t make any assumptions about what your commercial insurance covers. Commercial insurance policies can be subject to exclusions that ensure that certain expenses won’t be covered under your policy.

Be sure to read the fine print so that you know exactly what your policy covers and doesn’t cover. 

Your commercial insurance coverage needs may change over time. 

As your company grows, your insurance needs change. That’s why it’s so important to update your commercial insurance policy once in a while. 

Ensure that the right commercial insurance policy covers your company in Hope Hills, NC. Get in touch with us today at Cross Creek Insurance and learn more about the coverage options that we offer. 

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. 

Do Minors Need Their Own Auto Insurance Policy?

The right level of auto insurance protection is essential whether you are an adult or a minor driver. If you or your child needs reliable auto insurance coverage, the experts at Cross Creek Insurance can assist you. We proudly offer residents of Hope Hills, NC, quality insurance products. 

Teen Driver Coverage in North Carolina

If your child has started driving, you need to determine what type of insurance is required to protect them and meet legal requirements for your state. In most states, teen drivers must be 18 years of age before they can have a policy of their own. 

If a minor driver needs coverage, an adult parent or guardian can add them to their insurance coverage. To determine how much the policy changes and what type of protection is advised, consult one of our knowledgeable and helpful insurance agents who can provide insight and recommendations. 

We can help you determine where you can make changes or additions to your current policy to help add extra protection for you and your family. We aim to ensure you understand the terms and conditions to make an informed decision. We can even assist with any changes to the policy or claims submissions. 

Reach Out to Cross Creek Insurance Today

If you want to learn more about insurance coverage for minor drivers or other excellent insurance options, please don’t hesitate to contact us. Call or stop by Cross Creek Insurance to find out how Hope Hills, NC residents can get peace of mind through reliable insurance coverage. Let us show you how you can get coverage that protects your minor drivers and gives you security while they are on the road. 

Three challenges when you buy commercial insurance

Business owners should know the challenges they might face when they insure their company in Hope Hills, NC. At Cross Creek Insurance, we can help you overcome these challenges and protect your company and livelihood with quality insurance coverage.

The following are three challenges you may face when you buy commercial insurance. 

Understanding your legal responsibilities

In certain situations, businesses are required to have commercial insurance. For example, you may need to have workers’ compensation insurance if you are an employer depending on the state in which your business is located. 

You need to research your legal responsibilities and ensure you’re meeting them with your commercial insurance coverage. Otherwise, you could face fines and other penalties that may compromise your company’s profitability.  

Deciding how much commercial insurance your business needs

Many business owners buying commercial insurance for the first time aren’t sure how much coverage they need. The amount of coverage you need depends on various factors, including the size of your company, the industry in which you operate, and the structure of your business (sole proprietorship, LLC, etc.)

If you’re uncertain about how much coverage you need, you should discuss this issue with an insurance company representative or a financial professional such as your accountant. 

Knowing when it’s time to buy commercial insurance

Generally, you should purchase insurance immediately after starting a company. Even if your company is still just a tiny startup, it’s best to have insurance coverage. 

At Cross Creek Insurance, we’re happy to assist companies that need insurance in Hope Hills, NC. Contact us online or by phone to learn about your insurance options. 

What to Consider When Buying Life Insurance

Many think of life insurance as a way to financially protect surviving loved ones. And life insurance is that, but it can also be much more. When you’re ready to discuss your life insurance needs, please contact Cross Creek Insurance, serving Hope Hills, NC. We can help assess your situation so you get the life insurance you and your loved ones need. In the meantime, here are some essential things to consider when considering life insurance.

Life Insurance Can be an Investment

Whole life insurance policies have grown in value over the years. They can serve as a significant financial investment for later on in life. For instance, if you ever need a short-term loan, you could borrow a certain amount on your whole life insurance policy for a preferred rate. Then, you pay it back, which goes back to your insurance policy.

Life Insurance Can Help Pay For a College Education

When it comes time to fill out your child’s student loan paperwork, you don’t legally have to declare the value of a whole life insurance policy. Yet, you can cash in that policy and use it to help fund your child’s college experience.

Your Loved One Needs Time

When calculating your needs for a term life policy, many people think only about their loved ones paying for the mortgage and bills for the time being. But bear in mind that losing you will play heavily on their hearts. They’ll need lots of time off of work to grieve, emotionally heal and try to put the pieces back together. In short, whatever figure you came up with, you should increase it so your loved one isn’t forced to return to work too soon.

Contact Cross Creek Insurance, serving Hope Hills, NC for all your life insurance needs, including whole life, term life, and more!

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!

How to extend the life of your car tires and ensure optimal performance during the summer months?

Extending the life of your tires when summer hits requires proactive precautions and maintenance. The specialists at Cross Creek Insurance in Hope Hills, NC provide these helpful suggestions to help maximize your tire’s lifespan during the summer months –

Check/Maintain Proper Tire Pressure

Tire pressure should be checked and adjusted routinely all year. However, when the heat arrives, the tire’s air expands and overinflates the tire. It is best to refer to the owner’s manual (or the label inside the driver’s door) for the best or recommended tire pressure.

Regularly Rotate Tires/Maintain Wheel Alignment/Balance

Rotate the car’s tires following the manufacturer’s recommendations or every 5K to 8K miles. Routinely rotating the tires ensures they wear evenly–extending their useful life.

Don’t Overload the Vehicle

Be aware of your vehicle’s weight limit and avoid excessive weight, as this adds stress to the tires, increases the heat, and accelerates the tire’s wear. Hot weather further aggravates this situation.

Check Tire’s Tread

For the tire to maintain control and traction, the tread depth must be enough to match the desired performance. The minimum legal tread depth varies by jurisdiction.

Avoid Excessive/Aggressive Speed & Driving

Fast and aggressive driving generates additional friction and heat, increasing the wear on the tires.

Park in the Shade

When available, park the car in the shade or use a car cover, as extended sunlight exposure can degrade the compounds used to manufacture tires.  

Regularly Inspect for Damage

Check the tires for bulges, cuts, or other damage. Driving on damaged tires can be needlessly risky.

For additional information about automobile insurance and policies available for those who live or work in the greater Hope Hills, NC area, contact Cross Creek Insurance at 910-423-2900.