insurance

Do you need to call your insurance agent?

Do you have a home business? People make and sell things on Etsy, teach guitar lessons, babysit dogs at their house, or even meal prep for others. As soon as these side businesses start to earn an income it is time for business insurance! Imagine if the dog you are sitting bites the neighbor kid,…
Read More

Camping Safety

Summer is finally here! Here are a few tips for staying safe on those camping trips! –          Make sure you get there with plenty of daylight to set up your campsite. –          Build campfires in a contained area to prevent the fire from spreading. –          Wear layers of clothing allowing you to adjust for changes…
Read More

What drives the price on car insurance?

What drives the price on Car Insurance? This is a common question we hear from our customers. Insurance companies use so many different factors to determine rate, gone are the days of only looking at the tickets and accidents. Here is a list of a few rating variables that help determine Auto insurance premiums: Driving…
Read More

Insurance to Value

Do You Have Enough Coverage to Rebuild Your Home?   Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance.   Selecting the proper amount of coverage is the single most important decision you…
Read More

When is it time for a young adult to get their own car insurance?

  When to have a young adult move off onto their own insurance policy? This can be a tricky question and at Cornerstone, we have been faced with it a lot this month. The answer is: It depends. Things to know about kids being on their parent’s auto policy: It’s going to be cheaper, but…
Read More

Insurance and Uber, can they work it out?

In every personal auto policy there is a big exclusion. It says that if you are delivering someone or something for a fee you are not covered. This does not apply if you are car-pooling, doing something for charity or volunteering, but what about our favorite rideshare app, Uber? Are you covered to drive for…
Read More

Full Coverage or Liability Only?

Should I or should I not have full coverage on my car? There is no question that you want to make sure you always have really good liability limits on your car insurance. Liability covers you if you hurt someone in an accident and if someone hurts you. However, when is it a good time…
Read More