Most homeowners’ insurance policies offer solid protection for your home and belongings, but when it comes to your most valuable items, the coverage may not be as complete as you think.  That’s where valuable items coverage (also known as scheduled personal property coverage) comes in. …

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…

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…

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…

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 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…

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,…