Home Insurance

That Protects What Matters Most

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

What Your Home Insurance Should Cover

The right home insurance policy protects more than just your house—it helps protect your financial future when the unexpected happens.


Here’s what homeowners insurance from Cornerstone Insurance Agency can include:

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Dwelling Coverage

Covers the structure of your home, interior and exterior against damage from fire, storms, and other covered events.

Personal Property Coverage

Helps repair or replace furniture, electronics, clothing, and other belongings if they’re damaged or stolen.

Liability Protection

Provides coverage if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Additional Living Expenses

Pays for temporary housing, meals, and related costs if your home becomes unlivable due to a covered claim.

Scheduled Personal Property

Offers added protection for high-value items like jewelry, firearms, collectibles, or specialty equipment.

Smart Add-Ons for Real Life

Equipment Breakdown Coverage

Covers major home systems and appliances, such as HVAC units or water heaters, if they fail unexpectedly.

Extended Replacement Cost

Provides additional protection if rebuilding costs rise unexpectedly after a covered loss.

Home-Based Business Add-On

Adds basic coverage if you run a small business or side operation out of your home.

Home Insurance FAQs

  • Is home insurance required in Minnesota?

    Home insurance isn’t required by state law, but most mortgage lenders require it if you have a loan on your home.

  • Does home insurance cover storm damage?

    Most policies cover damage from wind, hail, and storms. We’ll review your policy details so you know exactly what’s covered.

  • What’s not covered by standard home insurance?

    Flooding, earth movement, and routine maintenance issues are typically excluded. We can help you explore additional coverage options if needed.

  • Can I bundle my home and auto insurance?

    Yes. Bundling home and auto insurance often leads to discounts and simplifies your coverage under one agency.

  • How do I know how much coverage I need?

    We’ll review your home’s value, belongings, and personal situation to help determine the right amount of coverage.

  • What’s the Difference Between Actual Cash Value and Replacement Cost?

    Actual Cash Value (ACV) coverage pays the current value of your damaged item or home feature, factoring in depreciation. This may leave you with out-of-pocket expenses if material or labor costs have risen.

    Replacement Cost Coverage helps cover the full cost to repair or rebuild, without deducting for age or depreciation.

    We’ll walk you through the difference and help you choose the option that best fits your home and budget.

  • Does My Policy Cover Cosmetic Damage?

    Not always. Some home insurance policies may exclude cosmetic-only damage—such as dents or surface marks—that don’t affect the function or safety of your home. This most commonly applies to metal roofing and, in some cases, certain types of siding.


    At Cornerstone Insurance, we’ll walk you through what your policy covers (and what it doesn’t), so you’re not caught off guard when filing a claim.

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Let’s Get You on the Road

Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.

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Let’s Make Sure Your Home Is Properly Protected

Your home is one of your biggest investments—make sure it’s backed by coverage that’s as solid as the foundation it sits on.


At Cornerstone Insurance, we proudly serve homeowners from St. Stephen, MN, and throughout Central Minnesota with clear guidance, responsive service, and home insurance that fits real life.