It can. Many insurance companies offer discounts when customers purchase multiple policies with the same insurer. However, the amount you save, and whether bundling is actually the most affordable option, depends on your individual situation.  Here’s what you should know before deciding whether to bundle…

In many cases, homeowners insurance may cover damage caused by hail when it is a covered peril under the policy. However, coverage depends on the specific policy, deductible, exclusions, and circumstances surrounding the loss.  Here’s what homeowners should know.  What Can Hail Damage?  Hail can…

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…

Buying a brand-new home can be exciting, but “new” doesn’t necessarily mean perfect or that there won’t be decisions to make along the way. We asked Chris Walton, Agency Manager at Cornerstone Insurance Agency, what he wishes every homebuyer knew before purchasing a new construction home. …

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…

Insurance premiums are influenced by many factors beyond an individual homeowners claim history. Carriers consider the overall cost of protecting homes, including construction expenses, weather risks, and changes in the insurance market.  Understanding what impacts your premium can help you make informed…

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.…

One important step that often gets overlooked until the last minute is homeowners’ insurance.  Understanding your insurance needs before closing can help make the process smoother and ensure you’re ready when it’s time to receive the keys.  Why Homeowners Insurance Is Required  Most mortgage lenders require proof of homeowners’ insurance…