Coverage That Speaks Your State's Language.

Embarking on an insurance journey shouldn't feel like grabbing an outfit off the rack. In the vast insurance landscape, one size certainly doesn't fit all. Instead, it should be a practical, down-to-earth experience tailored to your home state's specific challenges.

Whether you're in the rolling hills of Arkansas, the tornado-prone plains of Oklahoma, or the diverse landscapes of Illinois, your insurance needs are distinct and shaped by the environment you call home.

With decades of experience in the heart of the Midwest, we've weathered the storms and embraced the unique challenges these states throw at us. Our policies are crafted with an insider's knowledge, aligning with the rules, regulations, and weather peculiarities that define the Midwest.

Common Considerations for Our Covered States

While our name is Cornerstone National, we are not a distant giant; we are a regional player with a deep understanding of our clients' challenges. Here's how CNI aligns our policies with the unique needs of the region:

• Local Expertise: CNI boasts a team with local expertise and an understanding of the nuances of the region. This means policies are not just standardized; they are crafted with a keen eye on the local challenges of each state.
• Tailored Coverage: Generic coverage often falls short. CNI goes beyond the basics, ensuring that policies are tailored to cover risks specific to the region, providing a safety net that truly reflects the needs of homeowners and drivers.

Specializing in the Midwest is not a limitation; it's a strength. Our policies are not generic but tailored to cover the risks that truly matter in this region. We understand what it takes to provide reliable insurance coverage that meets the needs of the Midwest.

• Tornado Alley Realities: Living in the heart of Tornado Alley brings the constant threat of tornadoes and other severe storms. Home insurance needs to consider the damages caused by these high-wind storms.
  • According to the Center of Disaster Philanthropy, there were over 1,400 tornadoes confirmed in 2023, with 266 of them occurring in the month of March.
• Navigating Auto Challenges: From navigating floodwaters to dealing with hailstorms, drivers in these states face unique challenges. Auto insurance needs to be adaptable to these diverse risks.

Tailoring Policies for the Region 

Tailoring insurance policies is not just a marketing slogan for CNI; it's a commitment. Here's how we go the extra mile:

• Flexible Home Insurance: Recognizing the tornado risk, home insurance policies offer coverage for structural damages caused by tornadoes, ensuring that homeowners can rebuild and recover.
• Adaptable Auto Coverage: Auto insurance is not just about collisions. CNI policies address specific challenges like flood damage and hailstorm dents, providing comprehensive coverage that aligns with the region's risks.

For residents in these states, having coverage that understands the lay of the land is not just practical; it's necessary.

Arkansas:
Arkansas is prone to severe storms, including tornadoes and thunderstorms. According to the National Weather Service, the state experiences an average of 37 tornadoes annually.

Illinois:
Illinois faces unique challenges related to urban traffic, emphasizing the need for auto insurance coverage that addresses risks such as accidents, theft, and vandalism prevalent in urban areas.

Kansas:
The fourth-ranked state by number of major hail events in 2022 with 289, Kansans need auto insurance to cover their cars when hail comes their way.

Missouri:
In Missouri, homeowners face a significant risk of flooding, especially near rivers or floodplains. Standard policies often don't cover flood damage, so additional endorsements for flood insurance are crucial.

Oklahoma:
Oklahoma has experienced an increase in seismic activity. It's crucial to consider additional protection through a special endorsement for those residing in areas prone to earthquakes, as earthquake damage is typically excluded from standard homeowners policies.

Tennessee:
Sinkholes pose a significant risk, particularly in Tennessee's central and eastern regions. These areas feature caves, underground streams, and surface sinkholes. Tennessee law mandates homeowners insurance providers to offer optional sinkhole coverage to address damages from sinkholes.

The unique landscapes, industries, and cultural aspects of each state in our coverage area demand a nuanced approach to insurance coverage. Understanding and addressing these localized risks are key to ensuring that your home and auto insurance provide the protection you need.

Local Agents, Local Solutions

Tailored insurance is not just a concept; it's a commitment to providing you with the best protection possible.

When it comes to securing personalized coverage that resonates with the distinct challenges of your state, there's no substitute for local expertise. These professionals are not just insurance agents; they are your neighbors, familiar with the intricacies of your hometown.

This direct connection ensures that you receive advice and coverage tailored to your locality, giving you the peace of mind that comes from knowing your insurance is designed to safeguard you against the challenges unique to your community.

Connect with your local agent today and experience the difference personalized coverage can make in securing your home and auto.