Here’s what to have on hand before you start.  1. Your Current Insurance Policy  If you already have insurance, keep a copy of your current policy or declarations page nearby.  This can help an agent understand your existing:  Most importantly,…

How Often Should You Review Your Policy?  For most homeowners, an annual insurance review is a good starting point.  Your policy should also be reviewed whenever you experience a significant change involving your home, finances, family, or belongings.  A policy…

We spoke with Chris Walton, Agency Manager at Cornerstone Insurance Agency, about what homeowners should look for when comparing quotes and how they can potentially save without sacrificing important coverage.  Q: What should homeowners consider when comparing insurance quotes beyond…

Yes, bundling CAN unlock savings! 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…

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. …

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…

What Happens Financially If You Cause a Car Accident?  Auto insurance can feel overwhelming, especially when trying to understand what each coverage actually does. One of the most important parts of your policy is liability coverage, the protection designed to cover damages or…

Why have insurance rates increased so much over the past few years?  Chris W: Insurance rates have risen largely due to increased claim costs. The cost of labor and materials has gone up significantly, and in the auto industry, access to parts has…

What does it actually mean to be underinsured?  Chris W: Being underinsured means you don’t have enough insurance coverage in your policy to fully protect against financial loss. When a claim happens, your insurance payout may fall short of the actual cost to repair,…

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…