In a recent U.S. News & World Report article, Cornerstone Insurance Agency’s Chris Walton shares expert insights on: Whether you’re welcoming trick-or-treaters or hosting a Halloween party, now is a great time to make sure your home is ready and your insurance…

Here’s what to have on hand before you start.  1. Your Current Insurance Policy  If you already have insurance, keep a copy of your current policy or declarations page nearby.  This can help an agent understand your existing:  Most importantly,…

How Often Should You Review Your Policy?  For most homeowners, an annual insurance review is a good starting point.  Your policy should also be reviewed whenever you experience a significant change involving your home, finances, family, or belongings.  A policy…

From flood damage and deductibles to home renovations and valuable belongings, there are several areas of homeowners insurance that are commonly misunderstood. To help clarify some of these questions, we spoke with Chris Walton, Agency Manager at Cornerstone Insurance Agency,…

Here are seven things homeowners’ insurance may not cover.  1. Flood Damage  One of the most common misconceptions about homeowners’ insurance is that it covers flooding.  Generally, standard homeowners’ insurance does not cover damage caused by flooding. This can include water that enters your home because…

When should homebuyers start thinking about homeowners insurance?  Chris: Ideally, homebuyers should start thinking about insurance as soon as they are under contract. Waiting until the last minute can leave buyers scrambling to secure coverage and may create challenges during the…

An annual policy review can help ensure your coverage reflects your current needs and gives you the opportunity to ask questions before the unexpected happens.  What should homeowners review?  Has your home changed?  Have you made major purchases?  Has your lifestyle changed? …

Myth #1: My homeowners insurance covers everything.  Fact: Every policy has limits, exclusions, and conditions. It’s important to understand exactly what your policy covers.  Myth #2: Flood damage is covered by homeowners’ insurance.  Fact: Standard homeowners insurance policies typically do not cover…

We spoke with Chris Walton, Agency Manager, about why homeowners should review their insurance coverage before and after making major improvements to their home.  Q: Do I need to update my insurance policy if I’m making improvements to my home?  Chris Walton: Yes.…

Here are a few important insurance considerations to keep in mind.  Protect Valuable Electronics  Today’s students rely heavily on laptops, tablets, smartphones, and other electronic devices. These items can be expensive to replace if they’re lost, stolen, or damaged.  Take inventory of…