5-Star Florida Insurance Agency

As a trusted Florida insurance agency, Cornerstone takes pride in custom fitting a group of policies for the needs and desires of each client. We understand that people have different needs based on their unique situation. We leverage our relationships with many carriers to tailor a policy plan that will give you the coverage you need at a price that fits your budget.

We are a proud member of the Florida Association of Insurance Agents, the Trusted Choice® Insurance Network and an A+ rated Accredited Member of the Better Business Bureau®. And, we have hundreds of 5-star reviews spanning more than a decade.

Call or text us today at (813) 920-8181 or fill out our form to request a free homeowners insurance quote. We appreciate your business and look forward to serving you.

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

• Homeowner’s Insurance
• Auto Insurance
• Motorcycle Insurance
• Flood Insurance
• Condo Insurance
• Umbrella Insurance
• Renters Insurance
• Comprehensive Liability Insurance
• Boat & Watercraft Insurance
• RV Insurance
• ATV Insurance
• Wedding / Special Events
• Horse Liability
• Vacant Home Insurance
• Golf Cart Insurance
• Dwelling Fire Insurance
• And More

Because we are independent, we offer our clients the best insurance carriers, at the best premiums and with the service, diligence and professionalism you deserve. We represent carriers across homeowners, auto, flood, and umbrella insurance, including:

• American Integrity Insurance
• American Strategic Insurance (ASI)
• American Traditions Insurance
• Edison Insurance
• Florida Peninsula
• Foremost Insurance
• Geico
• Heritage Insurance
• Liberty Mutual / Safeco
• Manatee Insurance Exchange
• Mercury Insurance
• Monarch Insurance
• Neptune Flood
• NFIP
• Olympus Insurance
• Ovation Home Insurance Exchange
• Progressive Insurance
• RLI
• Safepoint Insurance
• Security First Insurance
• Slide Insurance
• Tower Hill Insurance
• Travelers Insurance
• Universal Property and Casualty
• USLI
• And More

Yes — flood insurance is strongly recommended for virtually all Florida homeowners. Standard homeowners insurance policies do NOT cover flood damage, regardless of the cause. Florida is the most flood-prone state in the country, and flooding can occur well outside of designated high-risk flood zones. Cornerstone helps homeowners find flood coverage through both the National Flood Insurance Program (NFIP) and private flood carriers that often offer higher limits, shorter waiting periods, and broader coverage than the NFIP.

Florida homeowners insurance premiums vary significantly by location, home age, roof type, and proximity to the coast. On average, Florida homeowners pay more than the national average due to hurricane risk and the state’s challenging insurance market. A Cornerstone agent will compare rates from 20+ top-rated Florida carriers to find the most competitive premium for your specific home and location. Getting a free quote is the best way to understand your costs.

A hurricane deductible is a separate, higher deductible that applies specifically to hurricane-related damage on Florida homeowners policies. Unlike a standard deductible (a flat dollar amount), hurricane deductibles are typically expressed as a percentage of your home’s insured value — usually 2% or 5%. On a $400,000 home with a 2% hurricane deductible, you would pay the first $8,000 of hurricane damage out of pocket before insurance kicks in. Choosing the right deductible level is one of the most important homeowners insurance decisions for Florida residents.

Yes — bundling your homeowners and auto insurance with the same carrier is one of the most effective ways to reduce your total insurance costs. Most carriers offer a multi-policy discount of 5–15% when you combine home and auto coverage. As an independent agency, Cornerstone can bundle your policies across our network of 20+ carriers to find the combination that gives you the best coverage at the lowest total cost. We also offer flood, umbrella, and other personal lines that can be packaged together.

If you need to file a claim, contact Cornerstone Insurance first — we can guide you through the process and advocate on your behalf with your carrier. Document the damage thoroughly with photos and videos before making any repairs. For emergencies, contact your insurance carrier’s 24-hour claims line directly. Keep all receipts for emergency repairs or temporary housing. Our team is here to help you navigate the claims process and make sure you receive the coverage you are entitled to under your policy.

Yes. Cornerstone Insurance writes homeowners insurance across Florida. We combine the personal service of a local agency with statewide carrier access and appointments.

Many quote requests received before 3 PM can be returned the same day. Most other quote requests are provided by the next business day, depending on the risk details and carrier requirements.

Yes. Cornerstone emphasizes real-person service and hands-on support throughout the quoting and policy process.

Yes. Cornerstone Insurance is an independent Florida insurance agency, which means we can compare options from multiple carriers rather than offering only one company’s policy.

Yes, when needed. If coverage is not available in the private market, we can help place coverage with Citizens Insurance. When available, we also help clients compare admitted carrier options.

Comparative rating software helps us shop multiple carriers for home, auto, and flood insurance more efficiently. It allows us to compare pricing and coverage options so clients can make more informed decisions.

Yes. We work with a range of carriers and coverage options for homes with different rebuild values, including higher-value properties that may need more specialized coverage options or endorsements.

Cornerstone combines real-person service, fast quote turnaround, team-based expertise, strategic carrier relationships, and statewide Florida market access. We also maintain strong ties to Florida insurance education and industry leadership.

Yes. If eligible, we can quote home and auto insurance together and also review flood and umbrella options for broader protection.