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!
May 11, 2026
Wildfire & Home Fire Prevention: Simple Safety Habits That Can Protect Your Home This Summer
But the truth is, many fires, both wildfires and home fires, start with something small, preventable, and completely human. A campfire that wasn’t fully extinguished. A cigarette tossed out too quickly. A grill left unattended on a windy day. Fire risk isn’t just a natural disaster…
May 5, 2026
Road Trip Ready: What Your Auto Insurance Covers (and What It Doesn’t)
1. Does Your Insurance Cover You Out of State? Good news: Most auto insurance policies follow you across state lines. But: 2. Rental Car Confusion This is where people get tripped up. Your personal auto policy may cover rental cars, but only…
April 2, 2026
What Are Valuable Items Coverage (and Do You Need It?)
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. …
March 12, 2026
Flood Insurance: What Homeowners Need To Know
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…
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…
February 12, 2026
When Can I Switch Policies? Do I Have to Wait Until Renewal?
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…
February 4, 2026
Term vs. Permanent Life Insurance: What’s the Difference and Which Is Right for You?
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…
January 29, 2026
When Should You Shop for Homeowners Insurance, and What Is a Deductible?
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…
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 16, 2026
Understanding Your Insurance Coverage and How to Use It
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,…