We are independent. We are appointed with twelve carriers. When you walk in, we don't pitch a brand — we shop the rate against your risk profile across all twelve, and write you with the carrier whose appetite, price, and claims service best fit your situation.
Every appointment is the result of a multi-year relationship — most of these carriers have written Cornerstone clients since the early 2000s. Below is each one, the year we were appointed, and the situations we use them for. If we wouldn't write our own family with a carrier, that carrier wouldn't be on this page.
Our go-to for HO-3 in northwest Illinois. The personal auto bundle discount is one of the best in the state, the claims service is consistently strong, and underwriting is well-suited to Galena's older housing stock.
Our second-shop for auto and home when Erie can't make the rate work. Forgiving underwriting for households with a recent claim or a teen driver, and competitive rates on bundled policies.
Strong on higher-value homes and on auto policies for households with multiple vehicles. Their IntelliDrive program offers meaningful discounts for safe drivers.
Where we end up for households with a more difficult risk profile, a Name-Your-Price quote that needs to be matched, or a teen driver who needs Snapshot. Claims service has gotten meaningfully better in the last five years.
Liberty Mutual's independent-agent brand. Strong on auto with multi-policy bundles and on home for higher-value properties. RightTrack mileage program for low-mileage drivers.
The specialty carrier we use for non-standard risks — vacant homes, rental dwellings, mobile homes, motorcycles, and the occasional risk other carriers won't touch.
Agreed-value classic-car coverage. The right answer for the 1972 Bronco in your barn or the 1957 Thunderbird in the heated garage. Specialist underwriting, specialist claims handling.
Allstate's independent-agent brand. Their EncompassOne package combines home, auto, and umbrella into a single policy with a single deductible — useful for households who want one bill and one renewal date.
Strong on auto for employer-group discount programs and on home for clients with specific carrier preferences. Now operating as Farmers in the personal-lines market — we maintain the appointment for renewals and select new business.
Illinois-based mutual carrier headquartered in Pekin. Strong on personal auto and homeowners across small-town Illinois, with underwriting that understands rural and small-town risk profiles other carriers miss.
Wisconsin-based mutual carrier with strong appetite for higher-value Galena homes ($400K+) and households who want a long-tenured mutual carrier. Claims service is consistently noted as a strength.
Strong on bundled home + auto + umbrella, on higher-value homes, and on households who plan to stay with one carrier long-term. Local independent-agent service model, paid claims promptly in our experience.
"We choose the carrier. We don't choose the customer. That's the difference."