What Happens Financially If You Cause a Car Accident?  Auto insurance can feel overwhelming, especially when trying to understand what each coverage actually does. One of the most important parts of your policy is liability coverage, the protection designed to cover damages or…

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…

What does it actually mean to be underinsured?  Chris W: Being underinsured means you don’t have enough insurance coverage in your policy to fully protect against financial loss. When a claim happens, your insurance payout may fall short of the actual cost to repair,…

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  Many people assume they must wait until their insurance policy renews before making any changes. But in reality, homeowners and drivers often have more flexibility than they think.  To clarify how midterm policy changes work, we spoke…

When Can You Switch Policies?  Most insurance policies allow you to switch at any time, not just at renewal. However, some plans may have exceptions:  Why Timing Matters  Switching at the right time ensures you stay protected without paying for…

Knowing when to shop for coverage and understanding key policy terms, like deductibles, can help you avoid stress, make informed choices, and protect your investment from day one.  When Should You Start Shopping for Homeowners Insurance?  If you’re purchasing a home, the ideal time to…

At Cornerstone Insurance Agency LLC, we understand no two homes – or homeowners – are exactly alike. Your insurance premium is influenced by a combination of factors that reflect your home, your location, and your personal history. Here’s a breakdown of key…

Many homeowners assume they should file an insurance claim any time something goes wrong. But in reality, filing the wrong claim can raise your rates, limit your options, and cost you far more over time.  Chris O’Brien explains how to decide when filing…

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,…