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 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…
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,…
June 12, 2025
What Makes an Area High Risk? Understanding Insurance Premiums by Geography
When it comes to insurance, location matters more than you might think. Whether you’re purchasing homeowners’ or auto insurance, insurers use a variety of geographic risk factors to determine your premium. What Makes an Area High Risk? Insurance companies rely…
April 17, 2025
How Natural Disasters Can Impact Your Insurance Premiums
How Disasters Influence Premiums What You Can Do Stay Prepared Natural disasters are unpredictable, but your insurance coverage doesn’t have to be. Let Cornerstone Insurance Agency help you assess your risk and ensure you’re ready for whatever comes your way. …
February 11, 2025
Mudslides vs. Mudflows: Understanding the Difference
What Are Mudslides? Mudslides are a type of landslide where masses of earth and debris rapidly slide down a slope. They often occur due to the destabilization of soil on a hillside, triggered by events like heavy rainfall, earthquakes,…
February 5, 2025
Understanding Water Damage: Insurance Coverage Options
Types of Water Damage a. Clean Water Damage This type of damage is caused by clean water sources, such as broken pipes, overflowing sinks, or rainwater. Clean water damage is typically the least harmful and can often be addressed…
December 18, 2024
Prepping for a Hurricane
Understanding Your Risk The first step in hurricane preparedness is understanding your home’s vulnerability. Assess your risk by: Review Your Insurance Policy Your insurance policy plays a pivotal role in hurricane preparedness. Here are key components to check: Take the…
December 11, 2024
Understanding Flood Insurance: Who Needs It and What It Covers
Who Needs Flood Insurance? Homeowners in High-Risk Zones: If you live in a designated flood zone (often labeled as a Special Flood Hazard Area, or SFHA), flood insurance is usually mandatory if you have a mortgage backed by a federal…
November 27, 2024
Understanding Water Damage: Insurance Coverage Options
Types of Water Damage a. Clean Water Damage This type of damage is caused by clean water sources, such as broken pipes, overflowing sinks, or rainwater. Clean water damage is typically the least harmful and can often be addressed quickly.…