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