Looking to learn more about insurance options available to you? Browse our educational articles below and contact us for guidance. We're here to help!
February 12, 2026
When Can I Switch Policies? Do I Have to Wait Until Renewal?
When Can You Switch Policies? Most insurance policies allow you to switch at any time, not just at renewal. However, some plans may have exceptions: Why Timing Matters Switching at the right time ensures you stay protected without paying for…
February 4, 2026
Term vs. Permanent Life Insurance: What’s the Difference and Which Is Right for You?
Life insurance isn’t one-size-fits-all. One of the most common questions people ask when shopping for coverage is: “Should I choose term life or permanent life insurance?” Both types serve important purposes, but they work very differently. Understanding the cost, length of coverage, and how cash…
January 29, 2026
When Should You Shop for Homeowners Insurance, and What Is a Deductible?
Knowing when to shop for coverage and understanding key policy terms, like deductibles, can help you avoid stress, make informed choices, and protect your investment from day one. When Should You Start Shopping for Homeowners Insurance? If you’re purchasing a home, the ideal time to…
January 23, 2026
What Determines Home Insurance Costs? Key Factors Explained
At Cornerstone Insurance Agency LLC, we understand no two homes – or homeowners – are exactly alike. Your insurance premium is influenced by a combination of factors that reflect your home, your location, and your personal history. Here’s a breakdown of key…
January 20, 2026
Should You File a Claim Every Time?
Many homeowners assume they should file an insurance claim any time something goes wrong. But in reality, filing the wrong claim can raise your rates, limit your options, and cost you far more over time. Chris O’Brien explains how to decide when filing…
January 16, 2026
Understanding Your Insurance Coverage and How to Use It
Most homeowners have insurance, but very few understand what their policy covers until something goes wrong. Knowing what you’re protected against (and what you’re not) can be the difference between a small inconvenience and a major financial setback. We spoke with Chris O’Brien, Sales Manager,…
January 13, 2026
Personal Liability & Medical Payments Coverage for Homeowners
Accidents don’t just happen inside your home; they can happen anywhere. Personal liability and medical payments coverage are designed to protect you financially when someone is injured or their property is damaged because of your actions. Chris Walton explains how these coverages…
January 9, 2026
Liability Limits & Medical Payments for Auto Policies
Auto accidents can create serious financial risks, especially when bodily injuries are involved. Chris Walton explains how bodily injury coverage works, how long claims can take, and how to protect yourself with the right limits. Q. How long does it…
January 6, 2026
Replacement Cost vs. Actual Cash Value: What’s the Difference, and Why It Matters
When reviewing an insurance policy, two terms come up often: Replacement Cost and Actual Cash Value. Understanding the difference can make a major impact on how much you receive after a claim. Actual Cash Value (ACV) Actual Cash Value takes depreciation into…
December 26, 2025
Big 2025 Christmas Gifts? Make Sure They’re Properly Insured
The holidays are full of surprises, especially when big-ticket gifts are involved. Jewelry, electronics, watches, and other valuables are popular Christmas presents, but many people don’t realize these items may not be fully covered under a standard insurance policy. Why your gifts may…