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July 10, 2025
Umbrella Insurance: The Overlooked Policy That Could Save Your Net Worth
Most people feel confident their homeowners or auto insurance has them covered — until life throws them a curveball. It’s not just major accidents or unexpected lawsuits that can put your savings at risk. Even small events can snowball into…
May 15, 2025
The Importance of Umbrella Insurance: Why You Need It
What Is Umbrella Insurance? Umbrella insurance is a type of personal liability insurance that covers claims exceeding the limits of your other insurance policies. If you’re found liable in a lawsuit for damages or injuries, your underlying policy may only…
April 24, 2025
The Importance of Reviewing Your Insurance Policy Every Year
Why Annual Reviews Are Crucial Checklist for Your Review: Let Us Help At Cornerstone Insurance Agency, our agents make annual reviews easy. We’ll walk through your current coverage, identify gaps, and help you optimize your protection. This article is for…
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. …
April 10, 2025
Why Is Home Insurance So Hard to Find in Your Area?
1. Regional Risks Certain areas face more natural disasters or environmental risks, which make insurers hesitant to provide coverage. For example: 2. Insurer Withdrawals Some insurance companies pull out of high-risk markets altogether. If several insurers exit a region, fewer…
March 27, 2025
What’s a Good Claim vs. Bad Claim?
Not every home insurance claim is created equal. Knowing when to file — and when to pay out-of-pocket — can save you money and help you maintain your coverage. Here’s how to spot the difference between a “good” claim and…
February 27, 2025
How Does Auto Insurance Affect Homeowners Insurance?
Bundling Benefits: Combining auto and home insurance often unlocks discounts that reduce overall costs. Bundling can simplify claims management by having a single provider handle both policies. Shared Risk Profile: If you’ve filed multiple auto claims, some insurers may…
February 13, 2025
The Power of Bundling: Get the Best Insurance Coverage
Significant Savings Through Bundling One of the primary benefits of bundling your home and auto insurance is the potential for substantial savings. Many insurance carriers offer significant discounts when you bundle these policies together, with some requiring the bundle…
January 29, 2025
Your Insurance Score: What It Is and How It Affects Your Costs
What is an Insurance Score? An insurance score is a numerical representation of your risk profile based on various personal and financial factors. Your insurance score is typically derived from your credit report and includes several important factors. It’s…
January 8, 2025
Types of Home Insurance Policies: A Guide for Every Homeowner
HO-1: Basic Form Covers a limited set of perils such as fire and theft. This policy is rarely used today because of its restricted coverage. HO-2: Broad Form Offers slightly expanded coverage for events like windstorms, hail, and vandalism. HO-3:…