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Homeowners Insurance

Homeowners Insurance Florida – Top Five Policy Exclusions

Homeowners Insurance /

Editor’s note: originally published in 2013; reviewed and updated in 2026 for current Florida flood-insurance pricing and policy limits.  Homeowners Insurance Tampa When it comes to home insurance many people think their policy covers everything. Unfortunately, many find out too late that a loss is not covered until after the fact. This can be a costly mistake. Understanding […]

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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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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!