Frequently Asked Questions

Why should I Choose an Independent Agent?

The Independent Agent is able to assist you with all your personal and business insurance needs - you no longer need on agent for your car, another for your home, and yet another for your business. Independent Agents offer expertise in various types of coverage and are there to serve and protect your financial assets. The following is a brief list of characteristics of an Independent Agent:

• Is licensed by the State of Texas
• Required by state law to fulfill continuing education requirements to maintain their licenses
• Offers not only superior services but competitive prices to fit your insurance needs
• Has a full-time staff assigned to your account to assist you
• Can provide personal, commercial, and life/health coverage
• Reviews your coverage annually
• Provides personnel to support you when a claim arises
• Continually monitors the financial status of insurance companies

The Independent Agent offers a wide range of services under one roof. The Independent Agent offers you convenience and choice.

Why should I choose Cornerstone Insurance Agency?

Because it is our Mission to:

• Make customer satisfaction a top priority.
• Establish a high level of trust and mutual respect with every client.
• Secure comprehensive coverage tailored to fit the specific needs of each client.
• Offer a wide variety of quality and value based insurance products under one roof.
• Become your Firm Foundation for Home and Family.

Can I really insure everything my family needs right here?

Cornerstone Insurance Agency can insure your

Do I have a variety of choices in choosing the right policy?

Cornerstone Insurance Agency offers many different policy forms:

From basic fire policies, to comprehensive homeowners, to specialty policies specifically designed for your distinctive home, Cornerstone Insurance Agency can assist you with options.

• We also provide products for High-Value Homes and Estates.
• We offer Multiple Lines Discounts through our insurers.
• We offer Free Insurance Reviews for our clients.

Will the agency be there to help me if I have a claim?

We hope for your sake it never occurs, but if it does, Cornerstone Insurance Agency will be available to you throughout the entire claims process. Our goal is to help you get back on track with your life as quickly and easily as possible. Please remember that if we don't know about a covered loss we cannot take action, so please notify us as soon as reasonably possible. We hope these recommendations are useful.

• Read - Read your policy when you get it from your agent, not after you have experienced a loss. Encourage your agent to explain each section of your policy and make sure that the policy is applicable to the risk that both you and your agent intended to insure.
• Protect Your Property - Take whatever reasonable steps are necessary to prevent further damage. Keep receipts of and cost incurred while doing so. For example, if a windstorm rips open a part of your roof, putting up a temporary cover would be a reasonable means of mitigating further damage.
• Notify - Notify your agent as soon as possible that your property has sustained a loss. Provide as much information as possible, including contact names and phone numbers. Contact the police if the loss is due to and violation of the law, such as vandalism.
• Itemize - Once the property is secure, itemize the damaged items and begin to locate supporting paperwork that helps establish your claim.