Located in Coeur d'Alene ID, Serving the PNW
Insurance built on relationship
Located in Coeur d'Alene ID, Serving the PNW
Located in Coeur d'Alene ID, Serving the PNW
Located in Coeur d'Alene ID, Serving the PNW
Cornerstone Insurance NW is a locally owned and operated Independent Insurance Agency. We are an independent broker, which means we represent the customer and not an employee of one single insurance company. We have appointments with over 100 carriers in order to provide unmatched service, competitive rates, and excellent carrier options. We offer Home, Auto, Life, Boat, ATV, Aircraft, Small Business and Commercial Insurance.
Ryan Scaggs started Cornerstone Insurance NW to create an independent insurance agency built based on relationships. Having a solid background in the insurance industry and excellent business connections within our region, Ryan wants to instruct and inform customers to create a more connected, invested, and intelligent insurance consumer. Connecting our clients to independent carriers offered in Idaho, Washington, Oregon, Oklahoma, and Montana. The goal is to leverage our everyday relationships to provide customers with excellent coverage through well known and highly rated Insurance Companies.
Everyone has different insurance needs. Call us today for a personalized business or personal lines assessment and find out how we can help protect what is important to you. Give us a call/text/email for a cup of coffee and a conversation about your insurance needs.
We cover many types of dwellings; from condos and standard dwellings to multi-million dollar resort homes and apartment buildings. We offer many different carriers to serve your specific needs.
Cornerstone Insurance NW offers multiple well-known national carriers to set your mind at ease when you need your insurance the most. From vanishing deductibles and accident forgiveness, to roadside assistance and $0 glass coverage. We offer the best insurance companies in the market to make sure you have peace of mind.
We cover the most important things in your life, your loved ones. We want to make sure you understand the in's and out's of life insurance and understand the different kinds of policies that are offered- Term, Whole Life, Universal Life, and even Long Term Care. Offering multiple carriers , many with instant issue and no medical exam required for some life insurance policies.
We all know how much gets invested into your small business. The worst thing that can happen is losing your livelihood due to a situation that wasn't properly covered. We offer General Liability, Workers Comp, Business Owners Policies, Garage Keepers, Cyber Liability, E&O (Professional Liability), and many other types of commercial insurance through 50+ carriers.
The Pacific Northwest is a playground of the outdoors. We know what type of coverage you need to cover all types of outdoor toys. Your ATVs, Boats, Motorcycles, Classic Cars, RVs, eBikes, Golf Carts, EVEN AIRPLANES!!! They all need great coverage, we have the carrier options to make sure they are protected.
Please contact us if you cannot find an answer to your question.
A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder. Most of our carriers we offer have low or no deductible options.
When speaking with your agent while setting up your policy, mention valuables you are concerned about and our agent can review your policy and recommend changes or policies that are available to ensure your valuables have proper coverage. We can cover jewelry, watches, antiques, and even firearms.
Absolutely not. If we can find you savings you can take advantage of them when you find them. Our agents are able to switch you over mid term and can even help with the cancellation process with your current company. We want to make your insurance experience pain and worry free.
Ryan is an amazing agent. From start to finish he was attentive to my needs and saved me $100 month with better coverages. He loves this community and even donates his time helping clear snow for elderly people. He doesn't treat people like dollar signs, he genuinely cares. I send everyone I know looking for insurance to him.
"I can’t say enough good things about Cornerstone Insurance NW! From the moment I reached out, they made me feel like more than just a client—they truly care about protecting what matters most to me. They took the time to understand my needs, walked me through all my options, and found me coverage that keeps my family and belongings safe without breaking the bank. The rates they secured for me were fantastic, and the service? Absolutely top-notch. Anytime I have a question or need help, they’re quick to respond with clear, friendly advice.
Ryan was so quick to respond and was able to get my small business set up with a great General Liability policy. I send all of my subcontractors to him because I know they will be properly taken care of.
A trusted local agent, like Ryan makes all the difference. He understands our community—its risks and its people—he advised us on coverages to fit our life. Unlike big call centers, Ryan builds a real relationship, offering personalized advice and clear answers. He has been there when we need him, fighting for us during claims and finding the best rates from multiple carriers. You’re not just a client; you’re friend. That personal touch brought peace of mind, ensuring our home, car, and belongings were protected by someone who truly cares.
I refer all of my members to Ryan when they need insurance coverage. Why? Because he has done such a great job taking care of my husbands business, insurance for our family, and my grown children.
As a young contractor launching my business in 2024, Ryan was a huge help in setting up my General Liability and Auto policies. He took the time to explain each coverage option, ensuring I understood how they worked. Beyond insurance, Ryan even assisted in teaching me how to market my business which has significantly helped my business growth. Their comprehensive support has been invaluable in navigating the complexities of starting and expanding my business.
Fill out the form with any questions you have about finding the coverage that's right for you!
Monday - Friday: 9am -5:30pm
Saturday: By Appointment Only
Sunday: Closed
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.