Insurance Solutions for Every Stage of Life

Our Coverage Options

Woman in a beanie smiles from inside a black SUV, door open, setting is outdoors.

Farm Insurance

Customized coverage for farm homes, outbuildings, equipment, and farm-related risks.


Family of four outside a house; mother holds hands with daughter, father carries son on shoulders.

Homeowners Insurance

Protect your home, personal property, and liability with homeowners insurance that fits the way you live.

Family looking at a tall apartment building; man points upwards; sunny day.

Auto Insurance

Reliable protection for personal vehicles, with options to bundle and save.


Living room with gray sofa, armchair, desk, plants, wooden shelves, and yellow rug.

Condo

Coverage designed for condo owners, protecting personal belongings, interior improvements, and personal liability.

Living room with gray sofa, armchair, desk, plants, wooden shelves, and yellow rug.

Renters Insurance

Covers what you own—wherever you rent. Includes protection for personal property and liability.



Man smiling, driving a vintage convertible car on a sunny day.

Recreational Insurance

Insurance for motorcycles, ATVs, boats, campers, and other recreational vehicles.


Woman in a beanie smiles from inside a black SUV, door open, setting is outdoors.

Commercial Insurance

Protection for businesses, contractors, and farms with commercial exposures.

Family of four outside a house; mother holds hands with daughter, father carries son on shoulders.

Life Insurance

Financial protection to help support your family or business long term.


Family looking at a tall apartment building; man points upwards; sunny day.

Health Insurance

Coverage options for individuals, families, and self-employed clients.

Man carrying child on shoulders points toward something, standing in tall grass next to a white RV.

Recreational Insurance

Insure your boat, RV, or off-road vehicle — so you can enjoy your downtime with less risk and more freedom.

Boy holding a small dog up in the air, both looking at each other outdoors.

Pet Insurance

Plans that help cover vet bills and emergency care — because pets are family too.

Flooded suburban neighborhood; brown floodwater surrounds houses, cars; overcast sky.

Flood Insurance

Protection beyond your home policy for water damage caused by rising floodwaters or storm surge.

Family of four under red and yellow umbrellas, seated on a picnic blanket in a park.

Personal Umbrella Insurance

Add an extra layer of liability coverage that kicks in when your home, auto, or renters policy reaches its limit.

Modern kitchen with a black refrigerator, built-in oven, and a dining table with chairs.

Home Warranty

Covers costly home system breakdowns and appliance repairs — ideal for homeowners seeking extra peace of mind.



Woman in hospital bed with partner, doctor showing tablet.

Supplemental Insurance (Aflac)

Help cover out-of-pocket medical costs with benefits that complement your health insurance.

Why Choose CF Alliance for Your Personal Insurance?

Personalized Protection. Community-Rooted Care.

When it comes to insuring your life, home, or car, you deserve more than a 1‑800 number. At CF Alliance, we put people first — offering personal insurance solutions with a personal touch.

  • Local Agents Who Actually Know You

    We’re not a call center — we’re your neighbors. Our team in Germantown takes the time to understand your life, your needs, and your goals.

  • Deep Ties to the Filipino & Asian-American Communities

    We proudly serve the diverse families of Germantown and the DMV, with bilingual agents and culturally attuned service you can trust.

  • Independent Advice That Puts You First

    As a family-owned agency, we’re not tied to one carrier. We compare options across top-rated insurers to find what fits you best.

  • Decades of Experience You Can Count On

    With over 20 years in the business, we’ve helped thousands of Maryland families protect what matters most — and we’ll be here when you need us.

Let’s Protect What Matters to You

Your insurance should reflect your real life—not just your ZIP code. At Cornerstone Insurance Agency in St. Stephen, MN, we’re here to help protect what matters—your home, your ride, your future—with clarity, care, and Central Minnesota know-how.