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August 14, 2025
Builder Risk vs. Homeowners Insurance: What’s the Difference, and When Do You Need Each?
Builder’s Risk Insurance: What It Covers This is the builder’s responsibility. It typically covers: Important: This policy only lasts during construction and only protects the builder’s investment, not your personal property or liability. Homeowners Insurance: When You Need It You’ll…
August 7, 2025
5 Questions to Ask Your Builder About Insurance Before You Close
Buying a newly built home is an exciting milestone. You’re getting a brand-new space with no prior damage, modern upgrades, and fewer repairs to worry about. But before you close, there’s one area that often gets overlooked: insurance. Most buyers…
July 31, 2025
What Every New Construction Homebuyer Needs to Know About Insurance
New construction is exciting, you’re the first to live there, everything is brand new, and repairs are unlikely to be completed anytime soon. But that doesn’t mean you can skip or delay insurance plans. In fact, there are specific insurance…
July 17, 2025
Home Warranty vs. Homeowners Insurance: What’s Covered?
Here’s a breakdown of how they compare: Coverage Type Home Warranty Homeowners Insurance Purpose Covers breakdowns of systems/appliances due to normal wear Covers unexpected damage to your home or belongings Cost Usually paid upfront or included by builder Paid annually…
June 12, 2025
What Makes an Area High Risk? Understanding Insurance Premiums by Geography
When it comes to insurance, location matters more than you might think. Whether you’re purchasing homeowners’ or auto insurance, insurers use a variety of geographic risk factors to determine your premium. What Makes an Area High Risk? Insurance companies rely…
May 29, 2025
Is Your Home Underinsured? 3 Steps to Make Sure You’re Covered
How Homes Become Underinsured Several common scenarios can lead to underinsurance: Why Mortgage-Required Coverage May Not Be Enough Your lender may only require coverage equal to the outstanding mortgage balance. This is often far less than the amount needed to…
May 15, 2025
The Importance of Umbrella Insurance: Why You Need It
What Is Umbrella Insurance? Umbrella insurance is a type of personal liability insurance that covers claims exceeding the limits of your other insurance policies. If you’re found liable in a lawsuit for damages or injuries, your underlying policy may only…
May 8, 2025
When to Update Your Homeowners Insurance Policy: Key Life Events to Watch For
Life Events That Warrant a Policy Review Have you added a room, upgraded your kitchen, or installed a pool? This increases your home’s replacement cost and should be reflected in your policy. Bought a new engagement ring, home theater system,…
April 24, 2025
The Importance of Reviewing Your Insurance Policy Every Year
Why Annual Reviews Are Crucial Checklist for Your Review: Let Us Help At Cornerstone Insurance Agency, our agents make annual reviews easy. We’ll walk through your current coverage, identify gaps, and help you optimize your protection. This article is for…
April 17, 2025
How Natural Disasters Can Impact Your Insurance Premiums
How Disasters Influence Premiums What You Can Do Stay Prepared Natural disasters are unpredictable, but your insurance coverage doesn’t have to be. Let Cornerstone Insurance Agency help you assess your risk and ensure you’re ready for whatever comes your way. …