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Florida Insurance Market

What is a Wind Mitigation Inspection

Florida Roofing Scams After a Storm: How to Spot Them and Protect Your Claim

Cornerstone News, Florida Insurance Market, In the Media /

Florida roofing scams follow the wind. Within days of a named storm crossing the coast, unfamiliar trucks roll through neighborhoods and someone knocks on your door offering a “free roof inspection” and a promise that insurance will pay for everything. As an independent agency based in Odessa that has helped Florida homeowners through Ian, Helene, […]

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Family having fun inside their home protected by homeowners insurance

Does Citizens Cover Your Screen Enclosure or Carport?

Cornerstone News, Florida Insurance Market, Homeowners Insurance, Understanding Your Policy /

If you have a pool cage, lanai, carport or awning on your home, Citizens screen enclosure coverage is one of the first things you should check before the next storm season. Citizens Property Insurance Corporation, Florida’s state-run insurer of last resort, does not provide Coverage A (dwelling) or Coverage B (other structures) for a long

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Top FIVE Reasons Your New Florida Homeowners Insurance Policy May be Cancelled

Florida Insurance Market, Homeowners Insurance, Understanding Your Policy /

Editor’s note: This article was originally published in 2011 and was reviewed and updated in 2026 to reflect Florida’s 2022 roof-age insurance reforms (Fla. Stat. 627.7011). Four of the five underwriting reasons below still reflect how Florida new-business underwriting works today; the roof section has been updated for current law. Here is what you need

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Happy family with homeowners insurance in Florida

Florida Homeowners Insurance Rates: Increases Explained

Florida Insurance Market, Homeowners Insurance /

If you have watched your premium climb for years, you are not imagining it: Florida homeowners insurance rates rose faster and farther than almost anywhere else in the country between roughly 2019 and 2023. The good news in 2026 is that the picture has finally started to change. As an independent Florida agency, we field

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Father-walking-with-daughter-on-a-beach-under-an-umbrella

What Is an Umbrella Policy, and Why Should You Carry One in Florida?

Florida Insurance Market, Understanding Your Policy /

Umbrella insurance in Florida is a layer of personal liability coverage that sits on top of the liability limits already built into your auto, home, or renters policy. When a covered claim against you exhausts those underlying limits, the umbrella policy responds for the amount above them, usually in increments of $1 million. Its job

What Is an Umbrella Policy, and Why Should You Carry One in Florida? Read More »

Isabel R.
Thank you Laura for your outstanding service. A very affordable home insurance
Lins M.
My husband and I have had a fantastic experience with Cornerstone Insurance. We've used them for both our home and auto insurance. We had the privilege of working with Joshua and Karen; both of them are awesome insurance agents. They were very prompt and kind in their responses and very helpful with any questions we had. Thank you for working with the Carroll family!
Jean D.
Excellent service from Kari
Bill H.
My insurance agent is Kyle Wilson. There is none better!! He handles my personal insurance needs and I as a Realtor refer to him my Real Estate Clients. I consistently refer my clients to at least 2 if not 3 different agents for competitive quotes and each time they say to me that "Kyle" is the one who is the quickest to respond and that he really knows his profession. He is helpful and there for you when you need him. I would go to no other than Kyle for all of my insurance needs.
Ana V.
After weeks of frustration with my previous agency, I found James Bonn at Cornerstone and couldn't be happier. He got everything handled quickly and seamlessly, found me better coverage at a comparable premium, and had it all bound within 24 hours. He even coordinated with my lender and canceled my old policy. If you need homeowners insurance in Florida, call James. Highly recommend!