A Condo Insurance Plan Made Just For You

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

Everyone Deserves To Live Covered.™

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

5-Star Tampa Condo Insurance Company

Q: What does Florida condo insurance cover?

Dwelling: This covers the condo from the “walls in,” as well as any built-ins. Be sure to have your agent review how much of the structure is covered by your association, so they can tailor a policy protecting what you need while not covering things that are already insured by the association. Personal Property: Like a homeowners or renters insurance policy, this covers the possessions inside your dwelling, like your furniture, clothes, electronics, appliances, and personal belongings. Liability: Also similar to a renters or homeowners policy, this covers injuries sustained by visitors on your premises, or damage done by you, a family member or pet off your premises. Please Note: For the liability portion of the condo insurance, Tampa residents should choose limits that are equal to or greater than their savings and other financial assets. If you need additional liability coverage, consider an umbrella policy .

Looking for condo insurance Tampa residents can count on? Because condo insurance can be confusing and it can often be difficult to determine exactly what kinds of coverage you need, it is important to choose a licensed agency with the experience and resources to make sure you are getting exactly what you need at the best possible rates.

Cornerstone Insurance is here to help. We are a family-owned and operated Trusted Choice® independent personal lines insurance agency serving Floridians in Tampa, Orlando, Ocala, Jacksonville and many towns and cities in between. Our independent Tampa agency offers a one channel insurance solution for Florida residents. Because we are independent, we offer our clients many of the top A rated condo insurance carriers in the state, at the best premiums and with the service, diligence and professionalism they deserve.

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 568 reviews

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Topi Climer

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 Williams

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 Bodal

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 WILSON

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 Bussey

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!!

Jessica Bussey

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 Brown

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 khan

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 Gasbarro

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 Besada

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 HAWKINS

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 BARRIOS

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

Smittywerben Jagermanjensen

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 diaz

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 Freed

It was so easy! No stress.

Condo Insurance Coverage in Florida

Tampa residents should keep in mind that insurance for a condo is a different type of homeowners insurance. When moving into a new condominium or townhouse, one of the most confusing aspects of the move is what kind of insurance coverage is needed.

Because we represent multiple insurance carriers, we have the ability to find you a condo owners policy that can be tailored around your specific condo association’s insurance requirements and save you money in the process. Since different associations have different insurance requirements from their members, we can review the master policy from your association and determine exactly how much coverage you are expected to carry.

Frequently Asked Questions About Condo Insurance

What does Florida condo insurance cover?

Dwelling: This covers the condo from the “walls in,” as well as any built-ins. Be sure to have your agent review how much of the structure is covered by your association, so they can tailor a policy protecting what you need while not covering things that are already insured by the association.

Personal Property: Like a homeowners or renters insurance policy, this covers the possessions inside your dwelling, like your furniture, clothes, electronics, appliances, and personal belongings.

Liability: Also similar to a renters or homeowners policy, this covers injuries sustained by visitors on your premises, or damage done by you, a family member or pet off your premises.

Please Note: For the liability portion of the condo insurance, Tampa residents should choose limits that are equal to or greater than their savings and other financial assets. If you need additional liability coverage, consider an umbrella policy.

Which condo insurance carriers do you work with?

Because we are independent, we offer our clients the best carriers, at the best premiums and with the service, diligence and professionalism you deserve. We represent many of the top condo insurance carriers, including:

American Integrity Insurance
Tower Hill Insurance
Progressive Insurance
Florida Peninsula
Edison Insurance
United Property and Casualty
Universal Property and Casualty

What other types of insurance do you offer?

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