Home Coverage You Can Count On!
Cornerstone Insurance Services understands the importance of protecting your home! You’ve worked hard to make your house a home, and your insurance should work hard protecting you when disaster strikes! Our team will help you create a policy that is comprehensive and easy to understand. Policies vary, but offer you peace of mind from a variety of disasters:
Insurance You Can Count On – An Agent You Can Trust!
Homeowners Insurance Coverages Include:
Homeowners Policies Made Easy
We want you to be in charge of your insurance journey, from understanding your needs to picking your coverage; we’ll help you understand the coverages that keep you and your loved ones protected!
Coverage for your home includes the structure itself such as the walls, roof, and foundation, along with build-in fixtures and appliances. Coverage applies to damage caused by covered perils like fire, lightning, wind/hail storms, theft, vandalism, and some types of water damage – depending on the policy.
Garages, sheds, fences, gazebos, or other detached structures may also be covered under your policy, though limits and exclusions may apply depending on the company and/or policy.
Personal property is just that – your items! From furniture to electronics and clothing, the possessions inside your home are typically covered against theft or damage from covered perils. In some cases, depending on the policy, losses outside of the home are covered as well.
Liability coverage protects you financially if someone gets injured on your property or if you damage their property. Trips, falls on icy driveways, etc., are covered by liability coverage to help pay medical bills or legal fees.
If your home is being repaired due to a covered insurance claim living expenses, that are reasonable and necessary, will be provided.
Some policies offer optional add-ons for specific needs, such flood insurance, earthquake insurance, or coverage for value items like electronics, jewelry, or artwork. We can help you determine what coverages you will need to protect your valuables!