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April 21, 2026
What the Early Heat Wave Means for Wildfire Season Readiness
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 Damage: What You Need to Know
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
Disaster Preparedness: How Homeowners Can Protect Themselves
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…
March 20, 2026
Insurance Corner: March 2026
Review Your Policy Lately? Details to Revisit Life can change quickly, and so can your insurance needs. Reviewing your insurance policies regularly is a simple step to save money, prevent coverage gaps, and keep peace of mind. Mortgage vs Life…
March 12, 2026
Flood Insurance: What Homeowners Need To Know
Q&A with CIA’s Agency Manager Chris Walton Flooding is one of the most common and costly natural disasters in the United States, yet many homeowners are surprised to learn that standard homeowner’s insurance does not cover flood damage. To help homeowners better understand their risks and…
March 5, 2026
Can You Change Your Insurance Policy Midterm?
Q&A with CIA’s Agency Manager Chris Walton Many people assume they must wait until their insurance policy renews before making any changes. But in reality, homeowners and drivers often have more flexibility than they think. To clarify how midterm policy changes work, we spoke…
February 26, 2026
I Hit an Animal – Is That a Collision Claim?
Understanding Your Coverage Steps to Take After the Accident Cost Considerations Hitting an animal is often covered under comprehensive insurance. Being prepared and knowing your policy can reduce stress in an already difficult situation. Not sure if your policy covers wildlife accidents? Contact Cornerstone Insurance…
February 19, 2026
Beat the Deep Freeze: How to Prevent Frozen Pipes
Why Frozen Pipes Are a Problem Top Tips to Prevent Frozen Pipes What to Do if Pipes Freeze Preventing frozen pipes is easier (and cheaper) than repairing them. By taking these simple precautions, you can avoid water damage and protect…