An ATV Insurance Plan Made Just For You

Get the coverage you need for your ATV at a price you can afford.

Everyone Deserves To Live Covered.™

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

5-Star Tampa ATV Insurance Company

Cornerstone Insurance is an independent agency representing several of the top-rated ATV insurance carriers in the state and nation. Because of our relationships with these companies, we are able to tailor an ATV policy around the specific needs of each customer. We will make sure you are fully protected with the proper liability and property damage limits.

Also, if the general liability insurance on the ATV policy is not enough to fully protect your personal property from lawsuits, we can set you up with an affordable umbrella policy to insure that your property and financial assets are totally covered.

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.

Here's What Our Clients Have to Say

Excellent

Cornerstone Insurance Inc.

Based on 560 reviews

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Jessica B.

Jan 2026- Highly recommend James! He helped me set up my homeowners and flood policies and made everything easy to understand as a first time home buyer. He was responsive, professional, and truly helpful every step of the way. Great experience overall.

Josh was incredibly helpful with helping me to find the perfect car insurance! He was able to answer all of my questions promptly and helped me to find the best rate possible without sacrificing coverage. and I cannot leave out Pammie, who helped with all of my customer service needs. What a GREAT team!!!

Liz B.

I'm very pleased with the customer service I received. Laura helped me find a great policy at a reasonable price to fit my home insurance needs. She was very professional and kind. She explained all the details about the policy and answered all my questions.

uzma K.

James Bronn made the process and experience nice to remember. He helped find the coverage that suited our needs and made sure all the information was relayed. Thank you

Lombard G.

Kyle Wilson from Cornerstone Insurance was recommended to me for purposes of purchasing home insurance on my new home in Sarasota. As a current New England resident, I was not familiar with many Florida agents and am thankful I was introduced to Kyle. He made the insurance purchase process quick and easy and was extremely attentive - despite me reaching out during the week between Christmas and New Year's Day. For those of you who have resided in the Northeast and "expect" quick, reliable service as well as timely responses to your messages, I highly recommend you contact Kyle. I am also very pleased with the pricing of the insurance and the opportunity to customize the coverage I was seeking.

Jorge B.

Kyle Wilson was extremely helpful with my home insurance request, he will reply to your questions fast, with accuracy and he works on weekends, holidays, day and night. Thanks Kyle for handling my policy!

FREDERIC H.

Joshua Gleaton at Cornerstone helped me with saving almost $2k/year on my homeowners insurance while increasing my Law & Ordinance coverage to 25% (from 10%) and replacement cost for contents rather than assessed value. I suggest everyone in FL shop their HO insurance as this was a big savings with increases in coverage that will make a huge difference if ever needed. I dragged Joshua along for months as I had several other priorities and he patiently stuck in there and got me set up with new insurance. I recommend you call him.

ESTELA B.

Mrs Tate is a really nice lady and a pleasure to talk to! Patiently answered all my questions. Great customer service!

Smittywerben J.

Kari Tate was a pleasure to work with. I needed to switch over to a new policy and she made the process quick and painless, keeping my premiums low but still retaining similar coverages.

carlos D.

I recently purchased an insurance policy, and I couldn’t be happier with the experience. From the very beginning, my agent was friendly, patient, and incredibly knowledgeable. They took the time to understand my needs, explained all available options in simple terms, and never once made me feel rushed or pressured.

What stood out the most was how transparent and attentive they were. They answered every question clearly, helped me compare plans, and made sure I fully understood the coverage before making a decision. Their professionalism and genuine care made the entire process stress-free.

Thanks to their guidance, I now have a policy that fits my budget and gives me peace of mind. I truly appreciate their support and would highly recommend them to anyone looking to purchase insurance!

Dennis F.

It was so easy! No stress.

Elisha H.

“James Bonn absolutely crushed it for us! He got us the best homeowners insurance quotes fast, followed up every step of the way, and explained everything in a way no one else did. His communication and responsiveness were on point. Highly recommend!”

vikki S.

Fabulous agency; Kari called when she said she would, worked tirelessly to get us a reasonable quote and followed up promptly. Easy to reach and quick response time via phone, email, and text! Highly recommend.

PRAMAH Anti-aging & L.

I cannot say enough great things about my insurance agent, Joshua Gleaton. He stayed late, worked under intense time pressure, and got multiple policies approved so we could close within 24 hours. His responsiveness, professionalism, and knowledge were far beyond anything I’ve experienced in the insurance world.

In a time when it feels like no one goes the extra mile or even does the right thing anymore, Joshua did exactly that — all the way through. He was courteous, patient, and truly committed to making sure everything was done correctly.

If you want someone who actually shows up, communicates, and gets things done when it matters most, Joshua is the person you want. Highly recommended.

Kylie P.

I had an amazing experience with Cornerstone Lending, they were very knowledgeable and made insurance shopping a breeze! Even found me better coverage with a lower cost, Kyle helped me through the whole process!

C. X.

Jushua Gleaton was so helpful when I was purchasing the homeowner’s insurance for my new home today! He was very professional. He answered all my questions both thoroughly and quickly. Many thanks to Jushua and Cornerstone Insurance!

Florida Off-Road Vehicle & ATV Insurance

An ATV (all terrain vehicle), otherwise known as an “off road vehicle”, is used for a variety of purposes. Some people use them when they have a lot of land and want easy access to the most remote areas of the property. Others use them to go hunting or to cruise one of Florida’s four wheeler trail networks.

Whatever your purpose for having one, an off-road vehicle is a big investment and should be insured accordingly. Make sure you speak with your insurance agent to ensure that you are carrying the proper coverage.

Frequently Asked Questions About ATV Insurance

Why do I need separate ATV insurance?

If you own an ATV or off-road vehicle, you need to make sure you have the proper coverage in case of accident or loss. While it may be true that your homeowner’s policy provides some liability insurance, Tampa residents need to be aware that in most cases the homeowner insurance either excludes or drastically reduces liability coverage on Florida ATVs.

Where do I obtain ATV insurance in Tampa?

An ATV insurance policy is not always available from the same company that you buy your homeowners or auto insurance from. Many insurers classify off road vehicles in a higher risk pool because of greater safety concerns. These vehicles tend to have a higher frequency of collisions and other forms of damage. Because of this, some companies choose not to fully cover them. To find the best choices for ATV insurance, Tampa residents are better off going with an independent insurance agency that works with multiple insurance companies rather than an agent that is dedicated to one specific carrier.

What other types of insurance do you offer?

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