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A Florida Homeowners Insurance Plan Made Just For You
Get the coverage you need for your home at a price you can afford.
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Happy family with homeowners insurance in Florida
Everyone Deserves To Live Covered.™

A lot of people have homeowners 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 homeowners coverage you need without overpaying.

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5-Star Tampa Home Insurance Agency

★★★★★

Looking for homeowners insurance Tampa residents can count on? Cornerstone Insurance is here to help. We are a family-owned and operated Trusted Choice® independent personal lines insurance agency serving Floridians in Tampa, Orlando, Ocala, Jacksonville and many towns and cities in between. 

Our independent Tampa agency offers a one channel insurance solution for Florida residents. Because we are independent, we offer our clients many of the top A rated home insurance carriers in the state, at the best premiums and with the service, diligence and professionalism they deserve. 

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 homeowners 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!
READ MORE REVIEWS

Homeowners Insurance Options in Florida

Florida’s homeowners insurance market has evolved significantly — and so has Cornerstone’s carrier lineup. While some older carriers exited the state or stopped writing new policies, a new generation of well-capitalized, Florida-focused insurers has emerged to take their place. We’ve done the vetting so you don’t have to.

Today, Cornerstone represents 15 top-rated carriers actively writing homeowners insurance in Tampa and throughout the surrounding area — giving you more competitive options and the confidence that your carrier has the financial strength to pay claims when it counts.

Tampa homeowners face a distinct combination of risks: Tampa Bay’s coastal exposure, storm surge risk from the bay and gulf, aging housing stock in established neighborhoods like Seminole Heights and Hyde Park, and the region’s hurricane vulnerability. A standard homeowners policy addresses many of these — but flood damage is never covered. We strongly recommend pairing your home policy with a separate flood insurance policy for complete protection. Ask us about bundling your home and auto insurance to save on both.

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Frequently Asked Questions About Homeowners Insurance

When shopping for homeowners insurance, Tampa residents often make the mistake of using the purchase price of the home as the basis for the amount of coverage they request. Oftentimes, the purchase price of the home is not the same as its replacement cost. This is especially true if the house was purchased several years ago. As building codes change and inflation pushes up the price of materials and labor, replacement costs tend to become higher than purchase price or even market value. Make sure you are dealing with an agent that understands these differences, and will write you a policy with adequate coverage to replace your dwelling in the event of a total loss.

Also Consider Extended Replacement Cost in Case of Disaster: If a major disaster strikes your area, it is wise to carry extended replacement cost on your homeowner policy to account for a possible spike in material costs to rebuild the home.

The standard homeowners insurance Tampa residents buy does not include flood insurance. So if your dwelling is ever damaged by a flood, you would be responsible to pay the costs directly out of pocket. The good news is that flood protection is now available through multiple options: some homeowners carriers offer a flood endorsement that can be added directly to your home policy, while standalone flood coverage is also available through the NFIP and private flood carriers. Learn more about flood insurance for your home.

Make sure you have high enough individual liability limits in case someone is injured on your property and submits a claim against you. In general, you should have at least enough to match your financial net worth. If net worth exceeds the maximum liability coverage of the homeowners insurance, Tampa residents should consider an umbrella policy to give them the additional liability coverage they need.

Most home insurance policies in Tampa, FL have a 2% hurricane deductible. This means that if your home is insured for $100,000, you would be responsible to pay the first $2,000 out of pocket due to hurricane damage. The higher the deductible, the lower your annual premium, but make sure you can afford to pay that deductible if a hurricane ever does damage to your house.

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 represent many of the top homeowners insurance carriers, including:

  • American Integrity Insurance
  • American Strategic Insurance (ASI)
  • American Traditions Insurance
  • Edison Insurance
  • Florida Peninsula
  • Heritage Insurance
  • Manatee Insurance Exchange
  • Monarch Insurance
  • Olympus Insurance
  • Ovation Home Insurance Exchange
  • Progressive Insurance
  • Security First Insurance
  • Slide Insurance
  • Tower Hill Insurance
  • Universal Property and Casualty

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.