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!
April 21, 2026
What the Early Heat Wave Means for Wildfire Season Readiness
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…
April 14, 2026
Homeowners Insurance & Hurricane Damage: What You Need to Know
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…
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 26, 2026
What Is Landlord Insurance (and Why It’s Essential for Rental Property Owners?)
Owning a rental property can be a great source of income, but it also comes with unique risks that standard homeowner insurance doesn’t fully cover. That’s where landlord insurance comes in. What Is Landlord Insurance? Landlord insurance is a specialized policy designed for property owners who rent out…
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 19, 2026
Beat the Deep Freeze: How to Prevent Frozen Pipes
Why Frozen Pipes Are a Problem Top Tips to Prevent Frozen Pipes What to Do if Pipes Freeze Preventing frozen pipes is easier (and cheaper) than repairing them. By taking these simple precautions, you can avoid water damage and protect…
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…