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HOMEOWNERS INSURANCE

Protect Where Life Happens

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Your home is more than just four walls—it’s where life happens. Whether it’s your first house, a vacation home, or a rental property, having the right insurance means you’re protected when the unexpected happens.



At Cornerstone Insurance Agency, we provide custom homeowners insurance solutions tailored to your needs. With access to 150+ carriers, we compare rates and coverage options to find the best protection at the best price. And if your renewal goes up? We’ll search for better deals—so you don’t have to.

What Does Homeowners Insurance Cover?

COVERAGE

Not all policies are created equal. We help you understand what’s covered—and make sure you’re not paying for what you don’t need.

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01

Dwelling & Property Coverage

Protects your home, garage, and other structures from damage caused by fire, storms, vandalism, and more.

02

Personal Belongings

Covers furniture, electronics, clothing, and valuables from theft, fire, or other covered losses.

02

Liability Protection

If someone is injured on your property or you accidentally cause damage to someone else’s home, this coverage helps with legal costs and claims.

03

Additional Living Expenses

If a covered event forces you to leave your home temporarily, we help cover hotel stays, meals, and other expenses while repairs are made.

Homeowners Insurance FAQs

  • Do I need homeowners insurance if my home is paid off?

    Yes! Even if you own your home outright, homeowners insurance protects your property, belongings, and liability in case of unexpected disasters or lawsuits.

  • Does my policy cover flood damage?

    Standard homeowners insurance does not cover flooding. If your home is in a high-risk area, we can help you add flood insurance to ensure full protection.

  • How much homeowners insurance do I need?

    Your coverage should reflect the cost to rebuild your home if it’s destroyed, not just its market value. We’ll help you find the right amount to avoid being underinsured.

  • Can I bundle my home and auto insurance?

    Yes! Bundling home and auto policies often leads to discounts and savings. We’ll check for the best bundle rates from our 150+ carriers.

The Right Coverage for Your Home

Your home deserves the best protection at the best price—and that’s exactly what we provide. As an independent agency, we work for you, not the insurance companies.

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