When it comes to insurance, location matters more than you might think. Whether you’re purchasing homeowners’ or auto insurance, insurers use a variety of geographic risk factors to determine your premium.   What Makes an Area High Risk?  Insurance companies rely…

How Disasters Influence Premiums  What You Can Do  Stay Prepared  Natural disasters are unpredictable, but your insurance coverage doesn’t have to be. Let Cornerstone Insurance Agency help you assess your risk and ensure you’re ready for whatever comes your way. …

1. Regional Risks Certain areas face more natural disasters or environmental risks, which make insurers hesitant to provide coverage. For example:  2. Insurer Withdrawals Some insurance companies pull out of high-risk markets altogether. If several insurers exit a region, fewer…

  What Are Mudslides?  Mudslides are a type of landslide where masses of earth and debris rapidly slide down a slope. They often occur due to the destabilization of soil on a hillside, triggered by events like heavy rainfall, earthquakes,…

  Types of Water Damage  a. Clean Water Damage  This type of damage is caused by clean water sources, such as broken pipes, overflowing sinks, or rainwater. Clean water damage is typically the least harmful and can often be addressed…