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…

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…

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…

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…

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…

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…

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…

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,…