Your Central Minnesota Insurance
That Shows Up When You Need It
Cornerstone Insurance Agency is a locally owned, independent agency in St. Stephen, MN, providing farm, home, auto, and commercial insurance throughout Central Minnesota.
Client Testimonials
4.9 Stars from 100+ Happy Clients

James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!What really impressed me was her responsiveness and genuine care—she always follows up promptly and makes sure I feel confident and comfortable with my decisions. It’s clear that she truly puts her clients first.
CF Alliance offers competitive rates, reliable coverage, and outstanding customer service. Knowing that I have both a trusted agent and a solid company behind me gives me great peace of mind.
I highly recommend Jackie Fung and CF Alliance Insurance Services to anyone looking for dependable insurance with personal, top-notch service!"
Eleine
"We had a great experience working with CF Alliance Insurance for both our home and auto insurance needs. From the very beginning, they were knowledgeable, responsive, and genuinely interested in helping us find the best coverage at a reasonable rate.
They took the time to explain all ouroptions clearly and answered every question with patience and professionalism. I especially appreciated how smooth and stress-free the entire process was—from quoting to finalizing the policies.
It’s reassuring to know to have an agent who truly cares about protecting our family and property. We highly recommend John Cabrera to anyone looking for reliable, personalized insurance service."
Phillip
"Excellent service. Other brokers couldn't get coverage for our "high risk" roller skating business, but CF Alliance came through for us"
Roland Fong
"I have been with CF Alliance since 2021. My servicing agent is Jackie Fung. Of all the insurance agents/brokers I have dealt with over the years, Jackie is by far the most proactive, knowledgeable and helpful. She is patient and would go to great lengths to help you understand your insurance coverage/constraints despite her busy schedule. In a heartbeat, I would recommend her to anyone who is in need of a passionate and compassionate insurance professional.
PS - Although we share a similar last name, we are not related in any way."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
Gemma Balbuena
"I have been with CF Alliance since 2006. They have excellent services. Most especially Michelle Apilado. She is always there helping me to find reasonable amounts for car and home insurances. She is very deligent, accommodating and easy to deal with. She acts very quickly in finding cheaper car insurance premium. Overall, I will highly recommend CF Alliance to my friends and relatives."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!"
Max Cheng (Max A. Cheng)
"I cannot stress this enough, but Jackie is the best. She's personable and she's knowledgable. She is always available when you need to speak to her. Over the year, I've gotten to know her and I can truly attest to her professionalism and dedication to her job. She really cares about all of her clients!"
Ruoyun Li
"CF Alliance always gives us very professional commercial insurance plans, and we often receive very heartwarming tips of protecting properly the properties in different seasons. Especially after our products were stolen, they reported the loss for us in a timely manner and we received compensation finally. Like and Recommendation."
Loveunder
"Michelle has been helping me for years now & I couldn’t be happier! She made the insurance process a breeze. Friendly, knowledgeable, honest , always patient & ready to tackle all my questions.& concerns. She went up & above to help us. Highly recommended!"
Client Testimonials
4.9 Stars from 100+ Happy Clients

James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!What really impressed me was her responsiveness and genuine care—she always follows up promptly and makes sure I feel confident and comfortable with my decisions. It’s clear that she truly puts her clients first.
CF Alliance offers competitive rates, reliable coverage, and outstanding customer service. Knowing that I have both a trusted agent and a solid company behind me gives me great peace of mind.
I highly recommend Jackie Fung and CF Alliance Insurance Services to anyone looking for dependable insurance with personal, top-notch service!"
Eleine
"We had a great experience working with CF Alliance Insurance for both our home and auto insurance needs. From the very beginning, they were knowledgeable, responsive, and genuinely interested in helping us find the best coverage at a reasonable rate.
They took the time to explain all ouroptions clearly and answered every question with patience and professionalism. I especially appreciated how smooth and stress-free the entire process was—from quoting to finalizing the policies.
It’s reassuring to know to have an agent who truly cares about protecting our family and property. We highly recommend John Cabrera to anyone looking for reliable, personalized insurance service."
Phillip
"Excellent service. Other brokers couldn't get coverage for our "high risk" roller skating business, but CF Alliance came through for us"
Roland Fong
"I have been with CF Alliance since 2021. My servicing agent is Jackie Fung. Of all the insurance agents/brokers I have dealt with over the years, Jackie is by far the most proactive, knowledgeable and helpful. She is patient and would go to great lengths to help you understand your insurance coverage/constraints despite her busy schedule. In a heartbeat, I would recommend her to anyone who is in need of a passionate and compassionate insurance professional.
PS - Although we share a similar last name, we are not related in any way."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
Gemma Balbuena
"I have been with CF Alliance since 2006. They have excellent services. Most especially Michelle Apilado. She is always there helping me to find reasonable amounts for car and home insurances. She is very deligent, accommodating and easy to deal with. She acts very quickly in finding cheaper car insurance premium. Overall, I will highly recommend CF Alliance to my friends and relatives."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!"
Max Cheng (Max A. Cheng)
"I cannot stress this enough, but Jackie is the best. She's personable and she's knowledgable. She is always available when you need to speak to her. Over the year, I've gotten to know her and I can truly attest to her professionalism and dedication to her job. She really cares about all of her clients!"
Ruoyun Li
"CF Alliance always gives us very professional commercial insurance plans, and we often receive very heartwarming tips of protecting properly the properties in different seasons. Especially after our products were stolen, they reported the loss for us in a timely manner and we received compensation finally. Like and Recommendation."
Loveunder
"Michelle has been helping me for years now & I couldn’t be happier! She made the insurance process a breeze. Friendly, knowledgeable, honest , always patient & ready to tackle all my questions.& concerns. She went up & above to help us. Highly recommended!"
Proudly Serving Central Minnesota
From our office in
St. Stephen, MN, Cornerstone Insurance Agency serves clients across
Central Minnesota and surrounding rural communities. Whether you’re protecting a farm, a home, a snowmobile, or a small business, you’ll work with a local insurance agent who understands the area and answers when you call.
Insurance Services We Offer

Farm Insurance
Local farm insurance coverage for homes, buildings, equipment, and operations. We understand rural risk—and how to insure it properly.

Home Insurance
Affordable home insurance tailored to single-family homes, rural properties, and seasonal residences.

Recreational Vehicle Insurance
Coverage for ATVs, Motorcycles, Snowmobiles, Campers and Boats.

Commercial Insurance
Small business insurance solutions for local operations, farms with side businesses, and growing companies.

Life & Health Insurance
Life and health insurance options that support long-term planning for individuals and families.
Don’t see exactly what you need? Give us a call—we’ll walk through your situation and find the right coverage.
Why Clients Choose Cornerstone Insurance
- Responsive When It Matters
Questions don’t sit in a queue. We respond quickly and follow through, so you’re never left wondering what’s next.
- Local Knowledge
We understand the insurance needs of farms, rural homes, and small businesses.
- Independent & Flexible
As an independent insurance agency, we compare multiple carriers to find coverage that fits your needs and budget.
- Local Roots. Personal Service
Insurance should be personal, not complicated. At Cornerstone Insurance, we build long-term relationships and stay involved as your coverage evolves.

Client Testimonials
4.9 Stars from 100+ Happy Clients

James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!What really impressed me was her responsiveness and genuine care—she always follows up promptly and makes sure I feel confident and comfortable with my decisions. It’s clear that she truly puts her clients first.
CF Alliance offers competitive rates, reliable coverage, and outstanding customer service. Knowing that I have both a trusted agent and a solid company behind me gives me great peace of mind.
I highly recommend Jackie Fung and CF Alliance Insurance Services to anyone looking for dependable insurance with personal, top-notch service!"
Eleine
"We had a great experience working with CF Alliance Insurance for both our home and auto insurance needs. From the very beginning, they were knowledgeable, responsive, and genuinely interested in helping us find the best coverage at a reasonable rate.
They took the time to explain all ouroptions clearly and answered every question with patience and professionalism. I especially appreciated how smooth and stress-free the entire process was—from quoting to finalizing the policies.
It’s reassuring to know to have an agent who truly cares about protecting our family and property. We highly recommend John Cabrera to anyone looking for reliable, personalized insurance service."
Phillip
"Excellent service. Other brokers couldn't get coverage for our "high risk" roller skating business, but CF Alliance came through for us"
Roland Fong
"I have been with CF Alliance since 2021. My servicing agent is Jackie Fung. Of all the insurance agents/brokers I have dealt with over the years, Jackie is by far the most proactive, knowledgeable and helpful. She is patient and would go to great lengths to help you understand your insurance coverage/constraints despite her busy schedule. In a heartbeat, I would recommend her to anyone who is in need of a passionate and compassionate insurance professional.
PS - Although we share a similar last name, we are not related in any way."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
Gemma Balbuena
"I have been with CF Alliance since 2006. They have excellent services. Most especially Michelle Apilado. She is always there helping me to find reasonable amounts for car and home insurances. She is very deligent, accommodating and easy to deal with. She acts very quickly in finding cheaper car insurance premium. Overall, I will highly recommend CF Alliance to my friends and relatives."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!"
Max Cheng (Max A. Cheng)
"I cannot stress this enough, but Jackie is the best. She's personable and she's knowledgable. She is always available when you need to speak to her. Over the year, I've gotten to know her and I can truly attest to her professionalism and dedication to her job. She really cares about all of her clients!"
Ruoyun Li
"CF Alliance always gives us very professional commercial insurance plans, and we often receive very heartwarming tips of protecting properly the properties in different seasons. Especially after our products were stolen, they reported the loss for us in a timely manner and we received compensation finally. Like and Recommendation."
Loveunder
"Michelle has been helping me for years now & I couldn’t be happier! She made the insurance process a breeze. Friendly, knowledgeable, honest , always patient & ready to tackle all my questions.& concerns. She went up & above to help us. Highly recommended!"
Client Testimonials
4.9 Stars from 100+ Happy Clients

James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!What really impressed me was her responsiveness and genuine care—she always follows up promptly and makes sure I feel confident and comfortable with my decisions. It’s clear that she truly puts her clients first.
CF Alliance offers competitive rates, reliable coverage, and outstanding customer service. Knowing that I have both a trusted agent and a solid company behind me gives me great peace of mind.
I highly recommend Jackie Fung and CF Alliance Insurance Services to anyone looking for dependable insurance with personal, top-notch service!"
Eleine
"We had a great experience working with CF Alliance Insurance for both our home and auto insurance needs. From the very beginning, they were knowledgeable, responsive, and genuinely interested in helping us find the best coverage at a reasonable rate.
They took the time to explain all ouroptions clearly and answered every question with patience and professionalism. I especially appreciated how smooth and stress-free the entire process was—from quoting to finalizing the policies.
It’s reassuring to know to have an agent who truly cares about protecting our family and property. We highly recommend John Cabrera to anyone looking for reliable, personalized insurance service."
Phillip
"Excellent service. Other brokers couldn't get coverage for our "high risk" roller skating business, but CF Alliance came through for us"
Roland Fong
"I have been with CF Alliance since 2021. My servicing agent is Jackie Fung. Of all the insurance agents/brokers I have dealt with over the years, Jackie is by far the most proactive, knowledgeable and helpful. She is patient and would go to great lengths to help you understand your insurance coverage/constraints despite her busy schedule. In a heartbeat, I would recommend her to anyone who is in need of a passionate and compassionate insurance professional.
PS - Although we share a similar last name, we are not related in any way."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
Gemma Balbuena
"I have been with CF Alliance since 2006. They have excellent services. Most especially Michelle Apilado. She is always there helping me to find reasonable amounts for car and home insurances. She is very deligent, accommodating and easy to deal with. She acts very quickly in finding cheaper car insurance premium. Overall, I will highly recommend CF Alliance to my friends and relatives."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!"
Max Cheng (Max A. Cheng)
"I cannot stress this enough, but Jackie is the best. She's personable and she's knowledgable. She is always available when you need to speak to her. Over the year, I've gotten to know her and I can truly attest to her professionalism and dedication to her job. She really cares about all of her clients!"
Ruoyun Li
"CF Alliance always gives us very professional commercial insurance plans, and we often receive very heartwarming tips of protecting properly the properties in different seasons. Especially after our products were stolen, they reported the loss for us in a timely manner and we received compensation finally. Like and Recommendation."
Loveunder
"Michelle has been helping me for years now & I couldn’t be happier! She made the insurance process a breeze. Friendly, knowledgeable, honest , always patient & ready to tackle all my questions.& concerns. She went up & above to help us. Highly recommended!"
Proudly Serving Central Minnesota
From our office in
St. Stephen, MN, Cornerstone Insurance Agency serves clients across
Central Minnesota and surrounding rural communities. Whether you’re protecting a farm, a home, a snowmobile, or a small business, you’ll work with a local insurance agent who understands the area and answers when you call.
Trusted Insurance Carriers
We work with some of the most reliable and reputable insurance carriers in the industry. Existing clients can pay a bill or report a claim directly through their carrier.

