An ATV Insurance Plan Made Just For You
Get the coverage you need for your ATV at a price you can afford.
Woman on ATV - Live Covered
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.

Trusted Choice logo
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.

Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.
Based on 510 reviews
Mark W.
They are my go-to insurance company! I've been with Cornerstone Insurance for several years now, and I can't say enough good things about them. James Bonn and the entire team are phenomenal—always professional, knowledgeable, and genuinely committed to helping their clients. Whether I’ve had questions about coverage or just wanted to review my policy options, they’ve always been quick to respond and incredibly thorough. It’s rare to find a company that makes you feel like more than just a policy number, but Cornerstone really delivers that personal touch. I have complete peace of mind knowing they have my back. Highly recommend!
Sue Z
What an excellent experience working with James Bonn here at Cornerstone. He gave me an excellent rate and was extremely knowledgeable and helpful! I highly recommend, thank you James!!!
Darin
James Bonn was amazing. Answered all my questions and was able to really help us lower our home owner's insurance. I really felt like I got an education on everything related to home owner's insurance.
Daniel B.
If you're in Florida, and your Citizens policy got sold to an overpriced company like mine did, guys like Eric make the process of getting back into a much more reasonably priced policy very easy. I have the same quality of coverage I had before. He did not pressure me or rush me, and was always very quick to respond and good at explaining things.

Very good first impressions.
Snow B.
Thank you Eric Bushey for taking this very long journey of home buying with me lol. Excellent work and time dedication.
10/10
Steven B.
I am moving from NY to FL and was looking for Homeowners insurance quotes. Joshua Gleaton at Cornerstone was fast, efficient, and gave quote hundreds of dollars less than the competitors with better coverage. I highly recommend Joshua and Cornerstone
Adrienne D.
The experience I had with James B at Cornerstone Insurance Agency was amazing. James has incredible customer service and takes the time to answer my many questions. He made me feel valued as a customer and his communication is always timely. He also found the best insurance for my particular needs. Highly recommend James B at Cornerstone.
Anthony S.
Gina Mcnairy is the only agent who ever contacted me BEFORE my renewal to see if I could get better coverage elsewhere. Also, she was very knowledgeable about the improvements I could make to my roof that would decrease my premium. I highly recommend her.
Matthew D.
Eric has made my experience with Cornerstone as simple and streamlined as possible. Would definitely recommend them to everyone.
David S.
James B did a great job with all the paperwork. Easy to work with and saved a lot thanks James!
Cherie C.
Thank you, James Bonn (@Cornerstone) Tower Hill Insurance! My experience with James through the homeowner insurance process was wonderful! He is very knowledgeable, professional, courteous, and efficient with all aspects of insurance. I highly recommend James Bonn!
Adam von N.
I researched Cornerstone / Tower Hill after my neighbor said good things about them, as Citizens was kicking me off and putting me with a company I had not heard of, and didn't even have a customer portal. I contacted Tower Hill and James Bonn got back to me immediately, which gave me a good feeling. We did some back and forth via email over the next 24 hours or so, and worked out a homeowners policy that I feel good about. I was hit pretty hard during Ian, so this is important to me. Bottom line is I feel like I found a good company for a fair price, and hopefully will have a good relationship should things go south in SWFL!
Lori B
While shopping around for a new Homeowners Insurance policy, I spoke with James Bonn at Cornerstone Insurance. He not only was able to get me a lower rate but also with the same coverage I had at a much higher rate! He was extremely knowledgeable and attentive to detail and went that extra mile to listen to and answer my many questions. I highly recommend James Bonn at Cornerstone Insurance for all your insurance needs! Thank you, James Bonn!!
Beth L.
Once again I utilized Cornerstone and agent James to assist me in regaining coverage I had lost. James is attentive, efficient and kind- all the qualities you want in an agent! Would highly recommend this company and James specifically 🙂 thanks again!
jlasser
James was very helpful!

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

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.

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.

Mark W.
They are my go-to insurance company! I've been with Cornerstone Insurance for several years now, and I can't say enough good things about them. James Bonn and the entire team are phenomenal—always professional, knowledgeable, and genuinely committed to helping their clients. Whether I’ve had questions about coverage or just wanted to review my policy options, they’ve always been quick to respond and incredibly thorough. It’s rare to find a company that makes you feel like more than just a policy number, but Cornerstone really delivers that personal touch. I have complete peace of mind knowing they have my back. Highly recommend!
Sue Z
What an excellent experience working with James Bonn here at Cornerstone. He gave me an excellent rate and was extremely knowledgeable and helpful! I highly recommend, thank you James!!!
Darin
James Bonn was amazing. Answered all my questions and was able to really help us lower our home owner's insurance. I really felt like I got an education on everything related to home owner's insurance.
Daniel B.
If you're in Florida, and your Citizens policy got sold to an overpriced company like mine did, guys like Eric make the process of getting back into a much more reasonably priced policy very easy. I have the same quality of coverage I had before. He did not pressure me or rush me, and was always very quick to respond and good at explaining things.

Very good first impressions.
Snow B.
Thank you Eric Bushey for taking this very long journey of home buying with me lol. Excellent work and time dedication.
10/10