Google Rating
5.0
Based on 366 reviews
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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.

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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

Breathe Easy!

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

ExcellentCornerstone Insurance Inc.5.0★★★★★ Based on 365 reviews fromSee all reviewsMichael L.Michael L. ★★★★★ Eric Bushey was amazing! I had a lapse in coverage and Eric walked me through available options. He had great communication skills and was quick to respond to all my emails. This is how business should be conducted. Thank you!!!Griffin W.Griffin W. ★★★★★ Had a great experience working with Kyle Wilson in securing my home insurance policy. He was very knowledgeable and provided several creative scenarios that enabled me to personalize my policy to suit my needs and budget. Highly recommend.Colin C.Colin C. ★★★★★ Best agent you could ever ask for supper quick with responses and very knowledgeable also he was always looking out for our best interests. Thank you sincerely Colin CashDavid H.David H. ★★★★★ We worked with Gina to get insurance on our home. She helped us through the entire process and got us good insurance at a reasonable price. She was willing to go the extra mile to help us out. THANKS!!Gustavo G.Gustavo G. ★★★★★ First time using Cornerstone insurance for my homeowners,good experience so far.My agent E.Bushy was very helpful and helpful on all the steps needed for my enrollment.give him a call and I am sure,that you not registered.Jeanne L.Jeanne L. ★★★★★ Kyle Wilson was so helpful from the beginning to the end. I highly recommend him to anyone searching for any of their insurance needs.Silvino G.Silvino G. ★★★★★ I am very grateful and pleased with the level of service and care Mr. James Bonn took with finding a provider for me. He took time to explain the process and answered any questions I had. I will be sending referrals to him of my friends and family so they too can have an excellent experience.Kelly W.Kelly W. ★★★★★ I can’t say enough good things about the company, the response time and my agent, James Bonn. It was truly a grade A+ experience. The responsiveness, the attention to detail, as well as being thorough, went above and beyond my expectations. If you need an agent, absolutely reach out to James he was great. He made it so easy!Linda P.Linda P. ★★★★★ Josh Gleaton was very pleasant and helpful assisting me with all the steps needed to complete this insurance policy, overcoming a complication for me.Zafer U.Zafer U. ★★★★★ I recently had the pleasure of working with Kyle Wilson, a licensed agent at Cornerstone Insurance Inc., and I can't recommend him highly enough. From the moment we reached out, Kyle was incredibly responsive, answering our emails promptly and ensuring that all our queries were addressed efficiently.Not only did Kyle find us the best rates, but he also facilitated seamless communication between all parties involved. His expertise and guidance were instrumental in helping us navigate through the complexities of home, flood, and auto insurance, steering us in the right direction every step of the way.Kyle's thorough understanding of the insurance landscape and his commitment to his clients' needs were evident throughout our interactions. He went above and beyond to ensure we received comprehensive coverage that was perfectly tailored to our needs.For anyone in need of insurance assistance, Kyle Wilson at Cornerstone Insurance Inc. is your go-to professional. His exemplary service, coupled with his dedication to finding the best solutions for his clients, makes him an outstanding agent. We are immensely grateful for his help and would urge anyone looking for insurance to consider Kyle.Thank you, Kyle, for making what could have been a daunting process, smooth and straightforward. Your professionalism and kindness have not gone unnoticed.DeeDee ★★★★★ James Bonn offered an excellent service!He went above and beyond to help us get a quality coverage after our original policy had expired and we had a lapse in coverage, but he managed to get us back insured!Thank you James, you are amazing!Yanique M.Yanique M. ★★★★★ James Bonn is an absolute pleasure to work with. He is very thorough and provided detailed answers to my questions. I was ultimately impressed by his knowledge and ability to make the process smooth. I am so excited that I've found an agent that is passionate, personable and provides excellent service. Thank you, James!Zenaida N.Zenaida N. ★★★★★ Very pleased I worked with Eric Bushey . Answered all my questions was able to lower my policybob R.bob R. ★★★★★ Gina , was great to work with getting my new hurricane policy.stephen T.stephen T. ★★★★★ My home insurance renewal was going to be double next month so I looked up best insurance agents near me and called Cornerstone. My agent James was very informative, friendly and responsive and within a couple of hours he was able to help me save hundreds off of a new policy with a different company. I was very pleased with my experience and look forward to continuing using Cornerstone and James as my agentjs_loader
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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 represent many of the top flood insurance carriers, including:

  • American Integrity Insurance
  • Tower Hill Insurance
  • Progressive Insurance
  • Heritage Insurance
  • Florida Peninsula
  • Edison Insurance
  • United Property and Casualty

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

Michael L.
Michael L.
Eric Bushey was amazing! I had a lapse in coverage and Eric walked me through available options. He had great communication skills and was quick to respond to all my emails. This is how business should be conducted. Thank you!!!
Griffin W.
Griffin W.
Had a great experience working with Kyle Wilson in securing my home insurance policy. He was very knowledgeable and provided several creative scenarios that enabled me to personalize my policy to suit my needs and budget. Highly recommend.
Colin C.
Colin C.
Best agent you could ever ask for supper quick with responses and very knowledgeable also he was always looking out for our best interests. Thank you sincerely Colin Cash
David H.
David H.
We worked with Gina to get insurance on our home. She helped us through the entire process and got us good insurance at a reasonable price. She was willing to go the extra mile to help us out. THANKS!!
Gustavo G.
Gustavo G.
First time using Cornerstone insurance for my homeowners,good experience so far.My agent E.Bushy was very helpful and helpful on all the steps needed for my enrollment.give him a call and I am sure,that you not registered.
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