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…
January 23, 2026
What Determines Home Insurance Costs? Key Factors Explained
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…
January 20, 2026
Should You File a Claim Every Time?
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…
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…