We spoke with Chris Walton, Agency Manager at Cornerstone Insurance Agency, about what homeowners should look for when comparing quotes and how they can potentially save without sacrificing important coverage.  Q: What should homeowners consider when comparing insurance quotes beyond…

From flood damage and deductibles to home renovations and valuable belongings, there are several areas of homeowners insurance that are commonly misunderstood. To help clarify some of these questions, we spoke with Chris Walton, Agency Manager at Cornerstone Insurance Agency,…

It can. Many insurance companies offer discounts when customers purchase multiple policies with the same insurer. However, the amount you save, and whether bundling is actually the most affordable option, depends on your individual situation.  Here’s what you should know before deciding whether to bundle…

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…

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.…

Why have insurance rates increased so much over the past few years?  Chris W: Insurance rates have risen largely due to increased claim costs. The cost of labor and materials has gone up significantly, and in the auto industry, access to parts has…

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…