Cornerstone Insurance NW

Cornerstone Insurance NW Independent Insurance Agency dedicated to Serving those who live, work, and play in the PNW.

Maybe you saw your friendly insurance agent on KXLY this morning… If you didn’t get a chance to see the story you can wa...
04/01/2026

Maybe you saw your friendly insurance agent on KXLY this morning… If you didn’t get a chance to see the story you can watch it here.
Big changes in Bonner County has raised a lot of eyebrows for local homeowners.
There is so much to this fire rating issue, if you would like to discuss this more, please reach out to us!

BONNER COUNTY - Property owners in Bonner County received stressful warnings this week that they could face higher home insurance premiums due to changes in the area's fire district rating.

03/12/2026

Well another windstorm has hit our area and you may have found yourself with damages of some degree…
What do you need to do if you have any damage?

1. Contact your agent/carrier. Go over your coverages, exclusions, deductibles. Come to an informed decision on if filing a claim is something worth pursuing. (A claim on your record for 5 years for $700 worth of fencing isnt worth it).
Dont let a random agent in some random group tell you what stuff on your policy is and isnt covered. They may not be familiar with your carrier, they didnt write the policy, and they cant see your coverages/exclusions. Stick with those whom you trusted to start with until you get nowhere. If you have to get help elsewhere, provide a full copy of your policy!!!!

2. Take photos. Multiple angles if possible, show there the damage came from (ex: specific trees if they lose tops/branches)

3. Create a List of the damaged items (an example: roof damaged by top of tree falling through the NE side of home. Damaged siding, eaves, gutter, shingles) detailed info helps expedite claims process if necessary to file.

4. If you have spoken with your agent about issues and they advise you to proceed: Remediate issues on your home. Like hiring licensed and insured professionals to remove trees, branches, repair damages, and seal up openings caused by damages to limit further damage. USE LICENSED AND INSURED TRADESMEN FOR THE CLASS OF WORK BEING PERFORMED. A handyman is very likely NOT INSURED to remove a tree that has fallen into your home or get up on your roof to replace shingles. Get a licensed and insured Aborist/Tree Removal company to perform the work. A licensed and insured roofer/GC with appropriate coverages to repair roofing and siding, etc. Just because someone makes a Facebook post or comments in a community group that they can do the work, doesn’t mean they are licensed or insured to perform the work. This matters, especially in the claims process.

5. Take more photos. Before and after remediation show what was removed to help the claims adjusters pay out quicker or create proper documentation of losses.

6. Have patience! These storms create a backlog of claims and the claims loads get overwhelming for some carriers. Payouts can happen rather quickly, or take a month or two depending on severity of damage.

7. Speak with your agent again to fill them in on what you have had done, and discuss other coverages that may be available to you in case you are displaced from your home due to a covered loss.

Hope this information is helpful. If you need referrals for tree removal, roofing specialists, contractors, etc… please feel free to ask us! We keep a detailed list of insured and licensed professionals for a number of trades.

We have so many folks relocating to our area, and buying watercraft to enjoy all the bodies of water our region has to o...
02/13/2026

We have so many folks relocating to our area, and buying watercraft to enjoy all the bodies of water our region has to offer… problem is many folks have no idea the rules of the river/lakes.
This is a great opportunity to learn some valuable skills, and yes… even save on your boat insurance.

Our Boating Safety Courses are now taking place at the Nez Perce County Courthouse, first floor conference room. The new spacious location will better accommodate everyone and their families. We hope to see you there.

02/12/2026

BIG NEWS!!!

Just this morning we gained access to Geico Powersports Insurance to go along with the personal and commercial auto insurance lines we already offer. One hour of carrier access and we have already written two policies and saved over $1300 for our clients!
Covering your ATV/Motorcycle/Golf Cart/UTVs in the state of ID.

You could be next!
Give us a call/text (208)413-4536 or email
[email protected]

Come see Marine Rescue CDA and us this weekend Thursday-Sunday at the Spokane Boat Show at the Spokane County Fairground...
01/28/2026

Come see Marine Rescue CDA and us this weekend Thursday-Sunday at the Spokane Boat Show at the Spokane County Fairgrounds. We will have a sweet giveaway that you can enter to win, and check out all of the other amazing vendors and boats.
If you find a boat you like, you can get extra entries to win our giveaway with a free quote from us while at the Boat Show.
10-7pm Thursday-Sunday.

01/23/2026

🚨 Hey Cornerstone Insurance NW Family – Big News, ZERO Drama! 🚨
Quick heads-up for our awesome clients insured through Safeco (via our agency- Cornerstone Insurance NW):
Safeco is getting a fresh look in Q2 2026 — your policies are simply moving under the Liberty Mutual brand.
Yes, you’ll start seeing “Liberty Mutual” on your documents instead of “Safeco.”
No, your coverage isn’t changing.
No, your rates aren’t automatically jumping (this is purely a name update).
And YES — you’ve always been backed by Liberty Mutual (they’ve owned Safeco since 2008!).
This is just a rebrand, not a rewrite of your policy. Think of it like a logo refresh — same great protection, same trusted agents (US!), just a new name on the paperwork.
Keep an eye out for official letters/emails from Liberty Mutual/Safeco in the coming months — they’ll walk you through everything based on your preferred contact method. No need to panic or call in a frenzy… but if questions pop up, hit reply or give me a shout — I’m here!
Thanks for sticking with us — your business means everything. Let’s keep those policies strong and your peace of mind stronger. 💪
Got questions? Drop them below or DM me!

12/17/2025

Quick tip for those that suffered tree damage from the massive windstorm today…

If you need a trustworthy referral for tree removal in north Idaho, the Kalispell MT area, and Eastern WA please let me know! I’ve got some incredible companies that will get you taken care of correctly!

Great Time to be proactive.You have time today to clear overhanging branches around your house, buckle down items that c...
12/16/2025

Great Time to be proactive.

You have time today to clear overhanging branches around your house, buckle down items that can “fly away” (tampolines, patio furniture, etc) or move vehicles away from trees to avoid damage from falling debris.

We are open 9am-5pm Wednesday to help field any calls from possible claims and your options that may arise before you reach out to your carriers to file any claims.

We also offer referrals for many great tree care services and roofers in our region that may be able to help solve your issue without opening a new claim and having to pay a deductible.

Give us a call (208)413-4536 with any questions.

11/11/2025

One day, and a simple “Thank You” is not enough.
We honor all who have served, and all who are serving at home and abroad.
Veterans of all branches of service… We thank you for your service to uphold our constitution and defend our freedom.
We are forever in debt and grateful for you being the “best of us”.

09/12/2025

This week has been eye opening and somber with the events that have taken place and the anniversary of one of the darkest days our nation has experienced. I sit here and ponder about how do we move forward?
I think back to the anniversary of today; Sept 12th 2001.
That was a shining example of us, the American people being our best.
Neighbors talked, hugged, cried, rallied to help anyone and everyone. We watched firefighters, police, EMTs not even flinch at running towards danger. We were angry, but had purpose. We filled churches, parks, public places, blood banks, charitable events. Waving flags without embarassment or hesitation. We were proud of who we are as Americans, with unabashed patriotism.
Wednesday the assination of Charlie Kirk was a dark day as well, it was a very graphic and tragic reminder of how quickly this life can end, and how quickly evil and hate can seek to divide. We are still that same people of Sept 12th 2001. We can get back to that. We have to!
We cannot let darkness silence our God given rights that are bestowed to us in our constitution. We cannot let our political ideations get the best of us, we have to shut out the media , influencers, social media, that are telling us to hate our neighbor. Those neighbors are the same people we cried with, prayed with, mourned with, gave blood with, and stood in shock with 24 years ago. We are allowed to disagree on a number of things. In fact our disagreements can be our greatest asset, when we give them room to be aired in constructive and respectful discourse. We cannot disagree on the fact that violence is never the answer to solving verbal or ideological differences.
We need discourse, dialogue, conversations, but we also need to be rooted in our convictions that service of others, love of God-family-country, pursuit of freedom, and treating others how we wish to be treated supersedes our own desires to be “right by any means necessary.”

We are praying for our country, we are praying for you and your families, we are praying for those who mourn. We are at a crux, where we can keep heading the direction of devaluing life, or we can change the direction of where we have been heading and choose to be a people that as the founding fathers said are “a bright shining beacon on the hill”.
America still is the best country in the world, the constitution of the United States is the greatest political document ever written. INspite of what we have seen this week, we have to make a choice on what we are willing to fight for, and to lock arms and do it the right way.

“Freedom is not about doing what feels good; it’s about doing what’s right.”- Charlie Kirk once said.

May God continue to bless us richly.
My hope is we unplug from the social media tether this weekend. Have a driveway conversation with a neighbor. Play catch or ride bikes with your kids. Hunt, fish, hike, and enjoy the outdoors. Take a friend to lunch or coffee. Help an elderly person nearby… but in all things please Give thanks. God has blessed us with an amazing place to live, despite what the news is telling us. Be thankful and grateful for what we have, where we are , who we were created to be. Let’s value each other a little more every day.
Pray for one another, for those who mourn, and fo those we see as our adversaries. Pray we grow our resolve and for boldness to continue to do what is right.

God bless you all.
-Ryan

Address

Coeur D'alene, ID
83815

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+12084134536

Alerts

Be the first to know and let us send you an email when Cornerstone Insurance NW posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Cornerstone Insurance NW:

Share