In many cases, homeowners insurance may cover damage caused by hail when it is a covered peril under the policy. However, coverage depends on the specific policy, deductible, exclusions, and circumstances surrounding the loss.  Here’s what homeowners should know.  What Can Hail Damage?  Hail can…

Here are seven things homeowners’ insurance may not cover.  1. Flood Damage  One of the most common misconceptions about homeowners’ insurance is that it covers flooding.  Generally, standard homeowners’ insurance does not cover damage caused by flooding. This can include water that enters your home because…

PIP, Medical Payments & Uninsured Motorist Coverage Explained  When most people think about car insurance, they think about damage to vehicles. But some of the most valuable coverages on your policy are the ones designed to protect you and your passengers after…

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…

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…

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…

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…

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…

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…

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…