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…

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,…

Comprehensive vs. Collision Coverage Explained  Many drivers assume their insurance policy automatically covers all damage to their vehicle, but different types of damage are covered by different parts of your policy.  Two of the most important coverages for your vehicle are collision and comprehensive coverage. …

PIP, Medical Payments & Uninsured Motorist Coverage Explained  When most people think about car insurance, they think about damage to vehicles. But some of the most valuable coverages on your policy are the ones designed to protect you and your passengers after…

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…

While the western U.S. continues to experience the most visible wildfire activity, below-average moisture levels in parts of the Midwest and South are also contributing to dry vegetation conditions. Even areas that are not traditionally considered wildfire-prone are seeing periods where…

An unusually early and intense heat wave has accelerated snowmelt in many mountainous regions, including parts of the Sierra Nevada and Rocky Mountains. While this may seem like a seasonal shift, it has a very real impact on wildfire risk…

1. Does standard homeowners insurance cover hurricane damage?  Walton: Standard homeowners insurance policies do cover wind-related damage from hurricanes, such as damage to the roof, siding, or windows. However, flooding caused by storm surges or rising waters is not covered and…

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…

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…