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Insurance for Brandon Residents

Auto, Homeowners, Flood & Umbrella Insurance — Hillsborough County

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If you live in Brandon, Cornerstone Insurance is here to help you find the right coverage at the right price. We are a family-owned, independent Trusted Choice® insurance agency serving Hillsborough County residents with auto insurance, homeowners insurance, flood insurance, and umbrella insurance. Because we are independent, we compare rates from 20+ top-rated Florida carriers to find you the best coverage at the best price.

Get a free insurance quote for your Brandon home or vehicle → Or call us at (813) 920-8181.

Auto Insurance in Brandon

Brandon is the largest unincorporated community in Hillsborough County, featuring diverse housing, major retail corridors including Westfield Brandon mall, and suburban family-friendly living east of Tampa. Drivers here navigate Brandon Boulevard (SR-60), Causeway Boulevard, and I-75, along with Tampa’s broader road network. Florida law requires all drivers to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) — but Florida’s minimums offer limited protection, and most Brandon drivers benefit from a more complete policy.

Florida consistently ranks among the top states for uninsured and underinsured drivers, making Uninsured Motorist (UM/UIM) coverage especially important for Brandon residents. Cornerstone compares rates from Progressive, Travelers, Mercury, Mapfre, Safeco, and many other top carriers to find you the best auto insurance rate for your specific situation.

Recommended Auto Coverage for Brandon Drivers

  • Personal Injury Protection (PIP): Required — $10,000 minimum.
  • Property Damage Liability (PDL): Required — $10,000 minimum; higher limits strongly recommended.
  • Bodily Injury Liability: Strongly recommended — at least $100,000 per person / $300,000 per accident.
  • Uninsured/Underinsured Motorist (UM/UIM): Critical in Florida — protects you when the at-fault driver has little or no insurance.
  • Collision Coverage: Required if you have an auto loan; covers damage to your vehicle regardless of fault.
  • Comprehensive Coverage: Covers theft, hurricane damage, flooding, hail, and falling objects — especially important in Florida’s storm season.

If your net worth is significant, we also recommend adding an umbrella insurance policy to extend your liability protection above your auto policy limits.

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Homeowners Insurance in Brandon

Brandon is the largest unincorporated community in Hillsborough County, featuring diverse housing, major retail corridors including Westfield Brandon mall, and suburban family-friendly living east of Tampa. As a Hillsborough County homeowner, your insurance needs to account for Florida’s unique risks: hurricane wind damage, roof replacement costs, and the limited carrier availability that has affected the Florida homeowners insurance market in recent years.

At Cornerstone Insurance, we represent the top A-rated Florida homeowners insurance carriers and shop them all to find the best coverage and rate for your Brandon home. Our carriers include American Integrity Insurance, Tower Hill Insurance, Progressive Insurance, ASI Insurance, Heritage Insurance, Florida Peninsula, Edison Insurance, Narragansett Bay Insurance, and more.

Key Homeowners Insurance Considerations for Brandon

  • Dwelling Coverage (Coverage A): Insure your home to its full replacement cost — not its purchase price or market value. As building costs have risen significantly in Florida, many homeowners are underinsured.
  • Hurricane Deductible: Florida homeowners policies carry a separate hurricane deductible — typically 2% or 5% of your insured value. On a $400,000 home, a 2% deductible means $8,000 out of pocket before insurance pays.
  • Wind Mitigation Discount: A wind mitigation inspection ($150–$300) can identify credits for your roof shape, hurricane straps, and impact windows that significantly reduce your premium.
  • Flood Coverage: Standard homeowners insurance does NOT cover flood damage. See the flood insurance section below.
  • Sinkhole Coverage: Florida has active sinkhole risk. Standard policies exclude sinkholes — separate coverage is available and recommended.
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Flood Insurance in Brandon

Flood damage is NOT covered by standard homeowners insurance — it requires a separate flood insurance policy. While much of Brandon falls in Zone X (moderate to low risk), Tampa’s flat terrain, intense summer rainstorms, and tropical storm activity mean that even “low-risk” properties can experience flooding. Roughly 25% of all flood insurance claims nationally come from properties in moderate- and low-risk flood zones.

Cornerstone helps Brandon homeowners find flood insurance through both the National Flood Insurance Program (NFIP) — which provides up to $250,000 in building coverage and $100,000 in contents coverage — and private flood insurance carriers that may offer higher limits, shorter waiting periods, and additional living expense coverage not included in NFIP policies.

Flood Insurance Facts for Brandon Residents

  • NFIP and most flood policies have a 30-day waiting period — purchase your flood insurance well before hurricane season begins June 1st.
  • Under FEMA’s Risk Rating 2.0, your flood insurance premium is based on your specific property’s characteristics — elevation, distance to water, and flood history.
  • Flood insurance in lower-risk Zone X areas is often very affordable — sometimes $400–$800/year — making it exceptional value for the protection it provides.
  • Your standard homeowners policy will NOT cover flooding from storm surge, rising rivers, or overflowing storm drains.
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Umbrella Insurance in Brandon

A personal umbrella insurance policy provides an extra layer of liability protection above the limits of your auto and homeowners insurance policies. For Brandon residents with significant assets — home equity, retirement savings, investments, or steady income — an umbrella policy is one of the most cost-effective forms of financial protection available.

If you cause a serious auto accident and the injured party’s medical bills exceed your auto insurance liability limit, or if someone is injured at your home and sues you for more than your homeowners policy covers, your umbrella policy steps in to cover the excess — up to $1 million or more — protecting your savings, home, and future income from legal judgments.

Who Needs Umbrella Insurance in Brandon?

  • Homeowners with significant equity in their Brandon property
  • Families with teenage drivers on their auto policy
  • Homeowners with pools, trampolines, or other attractive nuisances
  • Rental property owners or Airbnb hosts
  • Professionals or anyone with substantial assets or income to protect
  • Anyone whose net worth exceeds the liability limits on their auto and homeowners policies

A $1 million umbrella policy typically costs just $200–$350/year for most Hillsborough County homeowners — making it one of the best values in personal insurance.

Get an Umbrella Insurance Quote

Why Brandon Residents Choose Cornerstone Insurance

  • Independent agency — we compare 20+ top Florida carriers to find you the best rate
  • 4.9-star rated on Google with hundreds of verified reviews from Tampa Bay clients
  • Licensed Florida insurance advisors with deep knowledge of Hillsborough County
  • One-stop shop for auto, homeowners, flood, umbrella, and all other personal insurance needs
  • Trusted Choice® independent agency — we work for you, not any single insurance company

Get your free Brandon insurance quote today →

Proudly serving Brandon and all of Hillsborough County, including Valrico, Bloomingdale, Seffner, and Riverview.

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Jean M.
Very helpful in giving different options when our current insurance would not renew. Sent several different policies that we could review. Very quick to responding to any questions. James Bonn was very easy to work with and very responsive. Would recommend to anyone looking to insure.
Maggie N.
My experience with James and his team was nothing short of wonderful. He explained everything in great detail and answered all questions I had. Very quick to respond and slways very courteous. Thank you!
maria W.
Kari answered the phone!! She is very knowledgeable and very pro-active. She knew what I needed and answered all my questions. This process was very smooth:)
Mike B.
Shayne T.
I had for a 4 point inspection and wind mitigation done. They approved the policy. My house insurance goes through my mortgage holder. So Tower Hill got paid through them, and I cancelled my old insurance carrier. Then after about a month and a half, I get a cancellation notice. They sent their own inspector in and reported a couple shingles were missing and a piece of soffit square was missing and rust on a decorative post on my porch. My roof was over 10 years old, so I quickly got the roof replaced and took care of the other issues as well before the cancellation deadline. They worked with me and not only did they keep the policy from getting cancelled, my premium is now lower because of the new roof.
Topi C.
My experiences with James and Joshua before have been nothing short of amazing. Quick, prompt in follow up , clear on what can be done and most importantly helpful around what I at least needed which was to save some money. Highly recommend !
Robert W.
I just switched my homeowner's insurance through Joshua Gleaton with Cornerstone. I had been with my previous insurer for 32 years. Josh was outstanding to work with. He was responsive, easy to work with and provided me with tremendous savings (Cut my insurance in half). I only wish I had called him years ago.
Anwar B.
Agent James Bonn was very helpful with good information on selecting Tower Hill Insurance Exchange for protection of our home and processing the initial payments electronically - Thank you James
CHERYL W.
James Bonn was a great agent! Very knowledgeable, helpful,and quick service! I am very pleased I was able to connect with him! Thanks James for you assistance in attaining my Home Insurance!
Pammie B.
Thanks James for taking care of my daughter and son in-law for their first time home purchase. Not only were you prompt in providing the quotes, you were available for any questions and truly had their best interest at heart! I highly recommend Cornerstone!!
R. George H.
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!
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!