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…
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…
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…
January 20, 2026
Should You File a Claim Every Time?
Many homeowners assume they should file an insurance claim any time something goes wrong. But in reality, filing the wrong claim can raise your rates, limit your options, and cost you far more over time. Chris O’Brien explains how to decide when filing…
January 16, 2026
Understanding Your Insurance Coverage and How to Use It
Most homeowners have insurance, but very few understand what their policy covers until something goes wrong. Knowing what you’re protected against (and what you’re not) can be the difference between a small inconvenience and a major financial setback. We spoke with Chris O’Brien, Sales Manager,…
December 17, 2025
Life Happens: New Year, New Beginnings, Is Your Insurance Keeping Up?
Why life changes mean insurance changes Major events can impact your financial responsibilities and the assets you need to protect. Reviewing your insurance after a milestone helps ensure you’re not underinsured or paying for coverage you no longer need. Here are a few moments when it’s smart to…
December 10, 2025
Term Life Insurance vs. Mortgage Protection Insurance
Buying a home is one of life’s biggest investments, and protecting your mortgage is critical. While Mortgage Protection Insurance (MPI) exists, term life insurance is often a smarter, more flexible, and affordable option for most homeowners. How Term Life Insurance…