We spoke with Chris Walton, Agency Manager, about why homeowners should review their insurance coverage before and after making major improvements to their home.  Q: Do I need to update my insurance policy if I’m making improvements to my home?  Chris Walton: Yes.…

While most outdoor excursions go according to plan, unexpected situations can arise. Taking a few simple precautions before you head out can help protect you, your family, and your belongings.  Plan Before You Go  Before setting out on your adventure, research your…

One important step that often gets overlooked until the last minute is homeowners’ insurance.  Understanding your insurance needs before closing can help make the process smoother and ensure you’re ready when it’s time to receive the keys.  Why Homeowners Insurance Is Required  Most mortgage lenders require proof of homeowners’ insurance…

Comprehensive vs. Collision Coverage Explained  Many drivers assume their insurance policy automatically covers all damage to their vehicle, but different types of damage are covered by different parts of your policy.  Two of the most important coverages for your vehicle are collision and comprehensive coverage. …

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…

1. Does Your Insurance Cover You Out of State?  Good news: Most auto insurance policies follow you across state lines.  But:  2. Rental Car Confusion  This is where people get tripped up.  Your personal auto policy may cover rental cars, but only…

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…

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…

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…

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…