Life insurance isn’t one-size-fits-all. One of the most common questions people ask when shopping for coverage is: “Should I choose term life or permanent life insurance?”  Both types serve important purposes, but they work very differently. Understanding the cost, length of coverage, and how cash…

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 know that no two homes, or homeowners, are exactly alike. Your insurance rate is personalized, influenced by a combination of factors that reflect your home, your location, and your history. Here’s a breakdown of the key…

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,…

Accidents don’t just happen inside your home; they can happen anywhere. Personal liability and medical payments coverage are designed to protect you financially when someone is injured or their property is damaged because of your actions. Chris Walton explains how these coverages…

Step 1: Understand Your Insurance Needs Before requesting quotes, know what coverage you need:  Auto Insurance: Most states require liability coverage but consider adding collision and comprehensive coverage if your vehicle is financed or leased.  Homeowners/Renters Insurance: Protects your property, belongings,…

What is Mortgage Insurance?  Mortgage Insurance (PMI) is often required when a homebuyer makes a down payment of less than 20% of the purchase price. Its purpose is simple: it protects the lender in case the homebuyer doesn’t make their mortgage payments.  Here’s how it works:  In short, mortgage insurance doesn’t protect your family. It…

Builder’s Risk Insurance: What It Covers  This is the builder’s responsibility. It typically covers:  Important: This policy only lasts during construction and only protects the builder’s investment, not your personal property or liability.  Homeowners Insurance: When You Need It  You’ll…