Trailstone Insurance Group

06/02/2026

State Farm is facing a formal investigation after regulators alleged hundreds of violations tied to wildfire claim handling.

But the bigger question is this:

What would happen if a major disaster hit your neighborhood tomorrow? Would your insurance company be there when you need them most?

In our latest video, we break down the investigation, explain what regulators found, and discuss why every homeowner should pay attention—regardless of which carrier they use.

Watch now 👉 https://hubs.la/Q04jQdy80

The California Department of Insurance has launched a formal enforc...

06/01/2026

Would your auto insurance cover hail damage, a stolen vehicle, or a tree falling on your car?

Many drivers carry comprehensive coverage but have no idea what it actually covers—or how their deductible works when it's time to file a claim.

In the latest episode of our Auto Insurance Basics Series, we break down:
✅ What comprehensive coverage protects against
✅ Common claims people don't expect are covered
✅ How deductibles affect your payout
✅ When dropping comprehensive may (or may not) make sense

Before you make changes to your policy, make sure you understand what you're giving up.

🎥 Watch the full video here: https://hubs.la/Q04jG72H0

What Is Comprehensive Coverage? (Auto Insurance Basics Series)If ...

05/27/2026

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If a fire destroyed everything inside your home tonight… could you afford to replace it?

Your furniture, clothes, electronics, appliances, kitchenware — all of it.

In this episode of our Homeowners Insurance Basics Series, we break down Coverage C, also known as personal property coverage, including what it protects, why replacement cost matters, and the hidden sub-limits many homeowners never realize exist for jewelry, watches, and other valuables.

Watch now 👉 https://hubs.la/Q04j3hrB0

If a fire destroyed everything inside your home tonight, could you ...

05/21/2026

05/18/2026

Most homeowners know their insurance covers the house itself… but what about the detached garage, shed, fence, or guest house?

That is where Coverage B — Other Structures coverage — comes in.

In this episode of our Homeowners Insurance Basics Series, we explain what Coverage B actually covers, how the limit is calculated, and why some homeowners may not have enough protection for larger detached structures.

Watch now 👉 https://hubs.la/Q04h3bJ_0

You probably know your homeowners insurance covers your house. But what about your detached garage, fence, shed, gazebo, or guest house? In this episode of o...

05/18/2026

If your home burned down tomorrow… would your insurance cover what it actually costs to rebuild it today?

A lot of homeowners assume their market value and rebuilding cost are the same thing — but they are not. And that misunderstanding can create a major coverage gap.

In this episode of our Homeowners Insurance Basics Series, we break down Coverage A, how rebuilding cost is calculated, and why inflation guard endorsements matter more than ever in today’s construction market.

Watch now 👉 https://hubs.la/Q04h31dv0

If your house burned down tomorrow, would your insurance cover what it actually costs to rebuild it? In this first episode of our Homeowners Insurance Basics...

05/13/2026

If you were injured in a car accident tomorrow… would your medical bills be paid by your health insurance, the other driver’s insurance, or your auto policy?

The answer is more complicated than most people realize.

In this episode of our Auto Insurance Basics Series, we break down Med Pay and PIP coverage — two coverages that can make a major difference after an accident, but that many drivers have never reviewed on their policy.

Watch now 👉 https://hubs.ly/Q04gwCVk0

If you get hurt in a car accident, which insurance actually pays your medical bills first? Your health insurance? The other driver’s insurance? Your auto pol...

05/12/2026

Most drivers think their liability coverage is just one number… but it is actually split into different coverages with different limits.

And one of the most misunderstood? Property damage liability.

In this video, we explain what property damage liability actually covers, why it is separate from bodily injury liability, and how one accident involving a newer vehicle could quickly exceed low policy limits.

Watch now 👉 https://hubs.la/Q04gbWtg0

If someone told you the liability section of your auto policy is actually two completely separate coverages with two completely separate limits, would you be...

05/08/2026

Did you know the most important number on your auto insurance policy is probably one you have never looked at?

Most drivers focus on the monthly payment… but your bodily injury liability limits could determine whether a serious accident becomes a financial disaster.

In this video, we break down what bodily injury liability actually covers, what those two numbers on your declarations page mean, and why state minimum limits are often dangerously low in today’s world.

Watch now 👉 https://hubs.la/Q04g0d000

Did you know the single most important number on your auto insurance policy is the one most people never check? In this first episode of our Auto Insurance B...