Booneville, MS: 662-728-4477
Baldwyn, MS: 662-365-1277
Iuka, MS: 662-423-5921
  • Serving You First Is Job #1:
    Convenience and friendly professionalism is just a part of what makes Cornerstone Insurance & Financial Services a clear choice throughout our region.

  • Booneville, MS Office - (662) 728-4477:
    Insurance should change with us to maintain the right coverage at the best price possible. Now's a great time for a review.

  • Baldwyn, MS Office - (662) 365-1277:
    The limits of your insurance policy and how much you’ll pay out-of-pocket after a claim are directly related. Don’t find yourself in an easily preventable situation.

  • An Invitation To Save & Smile
    Are you feeling stuck with an insurance provider that only represents 1 company? Now's a great time to break free with an experienced independent professional!

  • Experienced Commercial Insurance Pros
    As a local business you're important to us all! From the trades to contracting and retail marketplace to professional services and organizations of all kinds.

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Welcome to Cornerstone Insurance & Financial, Inc.

Most insurance agencies offer the same products and services from the leading insurance companies in the United States. What separates agencies, though, is dedication, personal attention, and customer service.

These are the traits that set Cornerstone Insurance & Financial Inc. apart from other agencies. Cornerstone was formed in 1999 in a consolidation of three of North Mississippi’s oldest and most respected insurance agencies. Cornerstone traces it roots all the way back to the 1920’s. It is these decades of services upon which we have built our foundation, resolve and commitment to personally serving our clients with integrity and diligence.

Not only do we offer insurance from the leading companies in the business, but we also strive to give out clients the absolute best service that can only come from focused attention to individual needs.

Whether you need personal, commercial, life or health insurance, we can help. Our knowledgeable, dedicated staff, with more that 100 years of combined experience, is ready to assist and answer any question or need you might have.

Most Recent News & Posts:

Do you have a mortgage? Yes? Then at some point in your home-owning life, you have received a letter telling you that your mortgage has been sold to another lender. There's certainly nothing unusual about it when this happens, as home loans are sold every day in the United States. It is a very common practice. Typically, the letter tells you that nothing will change for you and – "you do not need to do anything." WRONG!!! - You should contact the insurance agent that handles your home insurance. Here's Why: If your home insurance is part of your escrow then your agent needs to know and needs to change the Mortgagee endorsement on your policy. Every year your insurance company sends a bill to the company that owns your loan. Your lender sends a check from your escrow account to pay for your Homeowner’s insurance for the next year. If your insurance company does not have the correct lender information the bill will be sent to the wrong company and the bill will not be paid. Believe it or not – that is not the big problem. Here is theWas Your Home Loan Sold? Quick, Call Your Insurance Agent!

When purchasing coverage for their home, too many policyholders often make the mistake of simply insuring it for the resale value. However, should a flood, storm or other event occur, they may find that the cost to rebuild far exceeds the original purchase price. This discrepancy can occur for a variety of reasons, including inflated construction costs following catastrophic events that impact multiple homes in a particular area. To truly protect themselves, extended replacement coverage is essential. This form of coverage provides a benefit over and above the policy limits for replacing a damaged house. That means, should a covered loss occur, extended replacement coverage will kick in and pay up to a specified percentage over an insured’s policy limit—sometimes as much as 125 percent. As an example, let’s say your $270,000 home is destroyed by a storm. Because this disaster affected an entire neighborhood, the costs of building materials and labor significantly increased due to high demand. As a result, the replacement value is estimated at $300,000—significantly over the normal replacement cost covered by standard homeowner’s policies. Without extended replacement coverage, you would likely have to pay the extra $30,000 out of pocket. When considering homeowners insurance, extended replacement coverage is critical.Basics of Extended Homeowners Replacement Coverage

With winter weather affecting us all in our attempts to remain comfortable, it's also the time of year which presents the greatest risk for an invisible threat. Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself and your family from its effects. In the home, carbon monoxide is most commonly formed by flames and heaters, as well as vehicles or generators that are running in an attached garage. As temperatures drop and more people are cranking the heat and hovering over the stove inside and warming up the car's engine before hitting the road, it's especially critical to ensure your family's safety against this lethal gas. Since carbon monoxide cannot be detected without a carbon monoxide detection device, it is essential to install and maintain one or more detectors in your home. Detector Tips For Safeguarding Your Household The International Association of Fire Chiefs recommends a carbon monoxide detector on every floor of your home, including the basement. A detector should be located within 10 feet of each bedroom door, and there should beProtect Your Family From the Dangers of Carbon Monoxide

This time of year can be just great here in . However, you won't get much fireside snuggling done if your chimney clogs or your roof springs a leak. And while prepping your home for winter weather isn't much fun, once you do it, your peace of mind can last all season long. Here's a handy checklist to make sure the weather stays outside where it ought to be. Furnace Follies If you have a forced-air furnace, visually inspect the outside of your system, the ducts, and other points attached to the unit. Repairing potential air leaks is easy to do with a little duct tape. It's also a great time to clean or replace the filter according to the manufacturer's instructions. If you can reach them, vacuum off the blower blades while you're in there. Winter Weather Stripping A common source of heat loss and drafty spaces is faulty door or window weather-stripping. Check for drafts by holding a lit candle a couple of inches from the seam. If the flame moves (and you're sure it's not the dog breathing over your shoulder) you could have a leak. Typically these are easier to replace entirely thanHome Inspections Before Winter Weather Comes

What do I give up by not using a licensed independent agent to purchase insurance? The disadvantage of not using a licensed agent to purchase insurance is that the policyholder does not receive as much, or often any, personal service. A licensed agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. Without an agent to act as your personal advocate during the claims process, you are left to take care of the details on your own. You may be unsure who to contact at the insurance company or who you can really trust to help you during the times in life when you need help the most. Without an agent you are on your own to absorb the frustration and expense of resolving your problems. The disadvantage of not using a licensed independent agent to purchase insurance is that agents who only represent one insurance company can only offer insurance based on that one company's policies and rate structures. As an independent agency we represent numerous insurance companies and are deeply familiar with the intricate differences between them. Therefore we are able to match your needs with the best companyThe Independent Agent Advantage


Booneville, MS

Cornerstone Insurance & Financial, Inc.
1108 North Second Street
Booneville, MS 38829

Office Hours: 8am to 4:30pm, Fri 8am to 5pm
Tel: (662) 728-4477
Fax: (662) 728-4478
Email: cornerstone@nullfmbcornerstone.com


Baldwyn, MS

Cornerstone Insurance & Financial, Inc.
112 North Third Street
Baldwyn, MS 38824

Office Hours: 8am to 4:30pm, Fri 8am to 5pm
Tel: (662) 365-1277
Fax: (662) 365-1278

Iuka, MS

Cornerstone Insurance & Financial, Inc.
107 Fulton St.
Iuka, MS 38852

Office Hours: 8am to 4:30pm, Fri 8am to 5pm
Tel: (662) 423-5921
Fax: (662) 423-5922


Personal Insurance in Mississippi…

Auto, Homeowners, Condos, Apartments & Renters – We represent a number of our regions most respected insurers so you get a choice of not only price but coverages as well.

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Commercial Insurance Pros…

Your local business operations are important to us all and we want to be your choice for insurance. Responsive, always cost competitive with policies designed around your specific needs.

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Simple is just better and it just doesn’t get any easier than this! No long complicated forms required to call our professionals to action. Simply provide some basics then we’ll do the rest.

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Our easy-to-use services let you get it done and get on with your day. Request a policy update, order a replacement id card for your auto policy, pay your insurance bill online and more.

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Claims & Payments:

Convenience is an important part of customer service. Here, we provide easy to find and use links to the insurance companies we represent for reporting claims and making online payments.

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Contact

Cornerstone Insurance & Financial, Inc.
1108 North Second Street
Booneville, MS 38829

Office Hours: 8am to 4:30pm, Fri 8am to 5pm
Tel: (662) 728-4477
Fax: (662) 728-4478
Email: cornerstone@fmbcornerstone.com

Recent Posts

For many of us, the holiday season is a time of joy, celebration and tradition. We look forward to hosting or attending festive gatherings or concerts. We travel near andChristmas Safety Reminder for Home or Office

What do I give up by not using a licensed independent agent to purchase insurance? The disadvantage of not using a licensed agent to purchase insurance is that the policyholder doesThe Independent Agent Advantage

TRYING TO SAVE MONEY? AVOID THE FIVE BIGGEST INSURANCE MISTAKES. With far too many Americans out of work, and others forced to make ends meet with less money, many people are5 Big Insurance Mistakes

With winter weather affecting us all in our attempts to remain comfortable, it's also the time of year which presents the greatest risk for an invisible threat. Carbon monoxide isProtect Your Family From the Dangers of Carbon Monoxide

This time of year can be just great here in . However, you won't get much fireside snuggling done if your chimney clogs or your roof springs a leak. AndHome Inspections Before Winter Weather Comes

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