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May 26, 2026
Underinsurance & Coverage Gaps
What does it actually mean to be underinsured? Chris W: Being underinsured means you don’t have enough insurance coverage in your policy to fully protect against financial loss. When a claim happens, your insurance payout may fall short of the actual cost to repair,…
May 19, 2026
You Just Bought a Home—Now What? Insurance Mistakes New Homeowners Make
Between paperwork, moving, and setting up your space, insurance is often treated like a checkbox. And that’s where costly mistakes happen. 1. Mistaking Market Value for Replacement Cost A common misconception is assuming your home should be insured for what you paid…
May 11, 2026
Wildfire & Home Fire Prevention: Simple Safety Habits That Can Protect Your Home This Summer
But the truth is, many fires, both wildfires and home fires, start with something small, preventable, and completely human. A campfire that wasn’t fully extinguished. A cigarette tossed out too quickly. A grill left unattended on a windy day. Fire risk isn’t just a natural disaster…
May 5, 2026
Road Trip Ready: What Your Auto Insurance Covers (and What It Doesn’t)
1. Does Your Insurance Cover You Out of State? Good news: Most auto insurance policies follow you across state lines. But: 2. Rental Car Confusion This is where people get tripped up. Your personal auto policy may cover rental cars, but only…
April 28, 2026
Wildfire Risk Is Expanding: Here’s What Homeowners Should Know Nationwide
While the western U.S. continues to experience the most visible wildfire activity, below-average moisture levels in parts of the Midwest and South are also contributing to dry vegetation conditions. Even areas that are not traditionally considered wildfire-prone are seeing periods where…
April 21, 2026
What Early Heat Waves Can Mean for Wildfire Season
An unusually early and intense heat wave has accelerated snowmelt in many mountainous regions, including parts of the Sierra Nevada and Rocky Mountains. While this may seem like a seasonal shift, it has a very real impact on wildfire risk…
April 14, 2026
Homeowners Insurance & Hurricane Impacts: Are You Covered?
1. Does standard homeowners insurance cover hurricane damage? Walton: Standard homeowners insurance policies do cover wind-related damage from hurricanes, such as damage to the roof, siding, or windows. However, flooding caused by storm surges or rising waters is not covered and…
April 8, 2026
If Disaster Strikes, Are You Prepared? Q&A With Cornerstone’s Chris Walton
1. What disasters should homeowners realistically prepare for? Walton: Homeowners face a variety of natural disasters depending on their location: Because risks vary by location, disaster preparedness should be location-specific, and homeowners should work closely with their insurance agent to ensure…
April 2, 2026
What Are Valuable Items Coverage (and Do You Need It?)
Most homeowners’ insurance policies offer solid protection for your home and belongings, but when it comes to your most valuable items, the coverage may not be as complete as you think. That’s where valuable items coverage (also known as scheduled personal property coverage) comes in. …
March 26, 2026
What Is Landlord Insurance (and Why It’s Essential for Rental Property Owners?)
Owning a rental property can be a great source of income, but it also comes with unique risks that standard homeowner insurance doesn’t fully cover. That’s where landlord insurance comes in. What Is Landlord Insurance? Landlord insurance is a specialized policy designed for property owners who rent out…