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October 15, 2025
Building an Insurance Portfolio to Support Your Financial Goals
What is an Insurance Portfolio? An insurance portfolio is the collection of coverage that protects your income, assets, and loved ones. Just like a financial portfolio, it should be well-rounded and tailored to your specific needs. A strong insurance portfolio typically includes: How Insurance…
September 25, 2025
Buying a Home? It’s the Perfect Time to Reevaluate Your Financial Portfolio
Why a Home Purchase Matters for Your Financial Health For most people, a house is the largest purchase and investment they’ll ever make. Beyond the mortgage itself, it influences everything from your monthly budget to your long-term wealth strategy. Unfortunately, many…
July 10, 2025
Umbrella Insurance: The Overlooked Policy That Could Save Your Net Worth
Most people feel confident their homeowners or auto insurance has them covered — until life throws them a curveball. It’s not just major accidents or unexpected lawsuits that can put your savings at risk. Even small events can snowball into…
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
The Importance of Reviewing Your Insurance Policy Every Year
Why Annual Reviews Are Crucial Checklist for Your Review: Let Us Help At Cornerstone Insurance Agency, our agents make annual reviews easy. We’ll walk through your current coverage, identify gaps, and help you optimize your protection. This article is for…
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 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…