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05/21/2015
By: Eb.hales@crossroadsinsurance.us H.
Cross Roads Insurance of Wilmington Inc
Great place to do business. They treat you like family and certificates are issued promptly. Home rates are very reasonable and they have a monthly pay plan up to 10 payments. They can write a vacant building, vacant mobile homes and provide liability up to a 1,000,000 coverage. Boat rates are priced reasonable. They have an ultra preferred rate on auto insurance which is one of the better rates on auto insurance in North Carolina. High value homes from 500,000 to 10,000,000 is no problem. The rate is affordable and tailored to suit your needs. 10 monthly payments is available. Commercial vehicles have good rates. If you try Cross Roads, you will be pleased. EH
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornados, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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