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A Flood Insurance Plan Made Just For You
Get the coverage you need for your home at a price you can afford.
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Family walking on beach - Live Covered
Everyone Deserves To Live Covered.™

A lot of people have flood insurance plans that don’t actually fit their needs, which means they are either overpaying or are undercovered. At Cornerstone Insurance, we take the time to get to know you first and then put together a plan that actually fits. That way, you get the most value out of every dollar and get the flood coverage you need without overpaying.

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5-Star Tampa Flood Insurance Company

★★★★★

In Florida, Flood insurance is not part of a standard home owners insurance policy. In order for you to obtain coverage, you need to work through a licensed insurance agent. Our Tampa insurance agency has years of experience helping homeowners in Florida obtain flood insurance through the National Flood Insurance Program (NFIP) or as an endorsement with some homeowners insurance carriers. 

We are fully licensed and able to find you the best coverage at the best possible rates for your dwelling. We will walk you through each step of the application process and will be there to help if you ever need to file a claim.

Trusted Choice independent insurance agency in Florida
Cornerstone Insurance, Inc. Better Business Bureau logo and A+ rating
3 Easy Steps to Better Coverage
Step 1

Get A Quote

Because we take the time to get to know you and ask the right questions, we’re able to put together a quote that fits you best, so you don’t overpay for your insurance.

Step 2

Review Your Options

As an independent insurance agency, we are able to work with a wider number of providers than most agencies, so you get the best value for your policy.

Step 3

Switch with Ease

We’ll walk you through the whole process, help you cancel your previous coverage, and are here for you whenever your insurance needs change.

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Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.4.9
Based on 600 reviews
See all reviews
Ms. Patty
1 week ago
Mr. James Bonn, was quick to response, heard my needs and adjusted my policy quote to fit them. Respected my time and style of communication. I am very appreciative of the way he handled the whole process, from the sales to closing the deal.
Ms. Patty
1 week ago
Mr. James Bonn, was quick to response, heard my needs and adjusted my policy quote to fit them. Respected my time and style of communication. I am very appreciative of the way he handled the whole process, from the sales to closing the deal.
Katie Burris
1 week ago
Very friendly, prompt and courteous service and they were able to provide me with an awesome rate for my insurance needs. Kari was fabulous!
Katie Burris
1 week ago
Very friendly, prompt and courteous service and they were able to provide me with an awesome rate for my insurance needs. Kari was fabulous!
Mike Rixon
2 weeks ago
James was great. It was very easy to switch my auto insurance over and saved a lot of money.
Mike Rixon
2 weeks ago
James was great. It was very easy to switch my auto insurance over and saved a lot of money.
Candace Hagedorn
2 weeks ago
Excellent service. Kari is wonderful. Should I move forward, I will reach out to her.
Candace Hagedorn
2 weeks ago
Excellent service. Kari is wonderful. Should I move forward, I will reach out to her.
richard guevremont
2 weeks ago
Laura was great , she was prompt, professional, and kind . Also happy with the premium for my new homeowners policy . I will bundle my truck and motorcycle insurance with Laura at Cornerstone as soon as I move into our new home in Florida.
richard guevremont
2 weeks ago
Laura was great , she was prompt, professional, and kind . Also happy with the premium for my new homeowners policy . I will bundle my truck and motorcycle insurance with Laura at Cornerstone as soon as I move into our new home in Florida.
Lori Bredbenner
2 weeks ago
Jamie Piralta jumped right in to assist when we were drawing near our deadline in supplying proofs of insurance for our new home! Thank you, Jamie!
Lori Bredbenner
2 weeks ago
Jamie Piralta jumped right in to assist when we were drawing near our deadline in supplying proofs of insurance for our new home! Thank you, Jamie!
Jeffrey Bredbenner
3 weeks ago
Kari Tate and the rest of her team have been so helpful as we sought home and flood insurance coverage for our new home purchase. When there were questions, they were immediately answered. When the mortgage company requested updates, they were provided within less than twenty four hours. Kari, Claire, and Karen provided answers immediately to all concerns or questions. Kari, thank you as I feel you truly went over and above for us. Heartfelt thanks to everyone.
Jeffrey Bredbenner
3 weeks ago
Kari Tate and the rest of her team have been so helpful as we sought home and flood insurance coverage for our new home purchase. When there were questions, they were immediately answered. When the mortgage company requested updates, they were provided within less than twenty four hours. Kari, Claire, and Karen provided answers immediately to all concerns or questions. Kari, thank you as I feel you truly went over and above for us. Heartfelt thanks to everyone.
Ashu Swami
3 weeks ago
Excellent experience from start to finish. My agent Laura Litchy was responsive, thorough, and made sure they understood exactly what I needed. Communication was clear and timely throughout the process, and I truly appreciated their professionalism and attention to detail. Highly recommend!
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What You Need to know About Flood Insurance

There is a simple fact that many people in the Tampa, Florida area don’t realize when they buy their home insurance policies: without flood insurance, you are at risk of damage and loss to your home, because flood is not a covered peril in a standard home insurance policy. Maybe you’re in what is considered a “low-risk” area and are not required to carry by your mortgage company. However, even if your house is built on higher ground and in a safer area, your personal property and dwelling are still at risk.

With hurricane season lasting six months of the year (June through November), there is always risk associated with flooding from sustained heavy rainfall, watershed saturation and backup, causing thousands in damage to your house. If you still think your home is safe, consider this fact: roughly 25% of all flood insurance claim reporting occurs in “low to moderate risk” areas.

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Frequently Asked Questions About Flood Insurance

There are two possible outcomes for residents of Tampa with losses from flooding and no flood insurance: Tampa homeowners can hope that the federal government will declare their community a disaster area, in which case there may be financial relief; or they will have to replace their losses out of their pocket. Because of the financial and emotional strain it can cause for families, the best plan is to get covered with flood insurance.

Flood insurance is purchased through the National Flood Insurance Program (NFIP) usually through a Write Your Own (WYO) carrier that is acting as a general agent for FEMA. Just recently some homeowners companies started offering flood insurance as endorsement to the homeowners policy, something that is brand new and has not been done in the past. In order for you to obtain coverage, you need to work through a licensed insurance agent such as  Cornerstone Insurance.

Unlike most other types of insurance products, flood insurance coverage does not take effect immediately! There is a 30 day waiting period (unless you are closing on a loan) for the coverage to go into effect. Tampa residents must keep this in mind when they purchase a flood policy. So, if there is a major hurricane, tropical storm or heavy rain in the forecast  you are probably already too late to cover your dwelling. It is important that you buy your insurance well in advance of storm season so you will be ready in the event of a disaster.

Below are the 2015 FEMA Preferred Flood Rates for X, C and B zones for primary homes (you reside there more than 50 percent of the year). Add $250 per year to a non-primary dwelling. FEMA Flood is paid once a year and is an annual policy. Currently, the premium may be paid through a checking account electronically, or via most major credit cards including American Express, VISA and Master Card.

Building / ContentsAnnual Premium
$20,000 / $8,000$162
$30,000 / $12,000$198
$50,000 / $20,000$258
$75,000 / $30,000$301
$100,000 / $40,000$333
$125,000 / $50,000$349
$150,000 / $60,000$371
$200,000 / $80,000$405
$250,000 / $100,000$430

Because we are independent, we offer our clients the best carriers, at the best premiums and with the service, diligence and professionalism you deserve. We provide flood insurance through multiple programs, including:

  • National Flood Insurance Program (NFIP)
  • Neptune Flood Insurance
  • Flow Flood
  • Vave Flood Insurance
  • Brit Flood
  • Argo Flood Insurance
  • Chaucer Flood Insurance
  • Selective Insurance — Flood
  • Tower Hill Private Flood
  • Homeowners Endorsement via Tower Hill
  • American Integrity Insurance — Flood
  • Edison Insurance — Flood
  • Ovation Home Insurance Exchange — Flood
  • Florida Peninsula — Flood

Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:

Ms. P.
Mr. James Bonn, was quick to response, heard my needs and adjusted my policy quote to fit them. Respected my time and style of communication. I am very appreciative of the way he handled the whole process, from the sales to closing the deal.
Katie B.
Very friendly, prompt and courteous service and they were able to provide me with an awesome rate for my insurance needs. Kari was fabulous!
Mike R.
James was great. It was very easy to switch my auto insurance over and saved a lot of money.
Candace H.
Excellent service. Kari is wonderful. Should I move forward, I will reach out to her.
richard G.
Laura was great , she was prompt, professional, and kind . Also happy with the premium for my new homeowners policy . I will bundle my truck and motorcycle insurance with Laura at Cornerstone as soon as I move into our new home in Florida.