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Why Did My Homeowners Insurance Premium Increase? 5 Factors Behind Rising Costs  If you recently received your homeowners’ insurance renewal and noticed your premium increased, you’re not alone. Many homeowners are asking the same question: “Why did my insurance cost go up if I…

Buying a brand-new home can be exciting, but “new” doesn’t necessarily mean perfect or that there won’t be decisions to make along the way. We asked Chris Walton, Agency Manager at Cornerstone Insurance Agency, what he wishes every homebuyer knew before purchasing a new construction home. …

When should homebuyers start thinking about homeowners insurance?  Chris: Ideally, homebuyers should start thinking about insurance as soon as they are under contract. Waiting until the last minute can leave buyers scrambling to secure coverage and may create challenges during the…

Insurance premiums are influenced by many factors beyond an individual homeowners claim history. Carriers consider the overall cost of protecting homes, including construction expenses, weather risks, and changes in the insurance market.  Understanding what impacts your premium can help you make informed…

An annual policy review can help ensure your coverage reflects your current needs and gives you the opportunity to ask questions before the unexpected happens.  What should homeowners review?  Has your home changed?  Have you made major purchases?  Has your lifestyle changed? …

Myth #1: My homeowners insurance covers everything.  Fact: Every policy has limits, exclusions, and conditions. It’s important to understand exactly what your policy covers.  Myth #2: Flood damage is covered by homeowners’ insurance.  Fact: Standard homeowners insurance policies typically do not cover…

Should You Update Your Insurance Policy After Home Improvements? Summer Hiking and Camping Safety: What Every Outdoor Adventurer Should Know Summer is the perfect time to explore the great outdoors. Whether you’re planning a weekend camping trip, hiking a scenic…

We spoke with Chris Walton, Agency Manager, about why homeowners should review their insurance coverage before and after making major improvements to their home.  Q: Do I need to update my insurance policy if I’m making improvements to my home?  Chris Walton: Yes.…

We sat down with Chris Walton, Agency Manager, to discuss when young adults should consider getting their own insurance coverage and what they should keep in mind as they navigate these important transitions.  Q: When should young adults consider getting…

While most outdoor excursions go according to plan, unexpected situations can arise. Taking a few simple precautions before you head out can help protect you, your family, and your belongings.  Plan Before You Go  Before setting out on your adventure, research your…