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June 12, 2025
What Makes an Area High Risk? Understanding Insurance Premiums by Geography
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…
May 29, 2025
Is Your Home Underinsured? 3 Steps to Make Sure You’re Covered
How Homes Become Underinsured Several common scenarios can lead to underinsurance: Why Mortgage-Required Coverage May Not Be Enough Your lender may only require coverage equal to the outstanding mortgage balance. This is often far less than the amount needed to…
May 15, 2025
The Importance of Umbrella Insurance: Why You Need It
What Is Umbrella Insurance? Umbrella insurance is a type of personal liability insurance that covers claims exceeding the limits of your other insurance policies. If you’re found liable in a lawsuit for damages or injuries, your underlying policy may only…
May 8, 2025
When to Update Your Homeowners Insurance Policy: Key Life Events to Watch For
Life Events That Warrant a Policy Review Have you added a room, upgraded your kitchen, or installed a pool? This increases your home’s replacement cost and should be reflected in your policy. Bought a new engagement ring, home theater system,…
April 24, 2025
Why Review Your Insurance Policy Every Year?
Why it’s important to review your policy every year: Prices fluctuate: Insurers often adjust premiums based on market trends, regional risks, inflation, and a variety of other factors. Checking for better options each year will help ensure you have the…
April 17, 2025
How Natural Disasters Can Impact Your Insurance Premiums
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. …
April 10, 2025
Why Is Home Insurance So Hard to Find in Your Area?
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…
March 27, 2025
What’s a Good Claim vs. Bad Claim?
Not every home insurance claim is created equal. Knowing when to file — and when to pay out-of-pocket — can save you money and help you maintain your coverage. Here’s how to spot the difference between a “good” claim and…
March 13, 2025
How Do I Prepare for a Home Inspection?
Exterior Preparation: Roof Inspection: Check for missing shingles or signs of wear. Gutters and Drainage: Clean out debris to prevent water backup. Yard Maintenance: Trim trees and bushes that could damage your home during storms. Interior Preparation: Plumbing: Ensure no…
February 27, 2025
How Does Auto Insurance Affect Homeowners Insurance?
Bundling Benefits: Combining auto and home insurance often unlocks discounts that reduce overall costs. Bundling can simplify claims management by having a single provider handle both policies. Shared Risk Profile: If you’ve filed multiple auto claims, some insurers may…