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A Flood Insurance Plan Made Just For You
Get the coverage you need for your home at a price you can afford.
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Family walking on beach - Live Covered
Everyone Deserves To Live Covered.™

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

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5-Star Tampa Flood Insurance Company

★★★★★

In Florida, Flood insurance is not part of a standard home owners insurance policy. In order for you to obtain coverage, you need to work through a licensed insurance agent. Our Tampa insurance agency has years of experience helping homeowners in Florida obtain flood insurance through the National Flood Insurance Program (NFIP) or as an endorsement with some homeowners insurance carriers. 

We are fully licensed and able to find you the best coverage at the best possible rates for your dwelling. We will walk you through each step of the application process and will be there to help if you ever need to file a claim.

Trusted Choice independent insurance agency in Florida
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

Switch with Ease

We’ll walk you through the whole process, help you cancel your previous coverage, and are here for you whenever your insurance needs change.

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Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.4.9
Based on 592 reviews
See all reviews
Audrey Nedella
24 hours ago
I have been with Cornerstone for a while. Currently I’ve been working with Kari Tate on insurance for a new property. She’s been great! I love the fact she answers your calls and emails in a timely manner and is very pleasant to work with. I am quite pleased with my new policy both in the coverage and price. Thank you
Audrey Nedella
24 hours ago
I have been with Cornerstone for a while. Currently I’ve been working with Kari Tate on insurance for a new property. She’s been great! I love the fact she answers your calls and emails in a timely manner and is very pleasant to work with. I am quite pleased with my new policy both in the coverage and price. Thank you
Daniel Warner
2 days ago
Laura was very attentive and helpful. It was an easy transition to obtain a new homeowners insurance policy that better meets our needs.
Daniel Warner
2 days ago
Laura was very attentive and helpful. It was an easy transition to obtain a new homeowners insurance policy that better meets our needs.
Charles Jenkins
3 days ago
I had a great experience getting the homeowners insurance quote and coverage with James and Cornerstone Insurance Inc. He was helpful and provided the best options for insuring my home. Highly recommended.
Charles Jenkins
3 days ago
I had a great experience getting the homeowners insurance quote and coverage with James and Cornerstone Insurance Inc. He was helpful and provided the best options for insuring my home. Highly recommended.
erica garland
1 week ago
Very fast response and great rates. James Bonn was great to work with and explained everything so easily.
erica garland
1 week ago
Very fast response and great rates. James Bonn was great to work with and explained everything so easily.
Jason Vorbeck
1 week ago
Shopping for homeowners insurance in Florida can be a frustrating process, in conjunction with the inevitable sticker shock we Floridians must endure. Give Laura Litchy a call! She is pleasant and responsive! She actually makes you feel like she is interested in working with you. Leave the faceless web brokers and enjoy classic customer service, you will be happy you did.
Jason Vorbeck
1 week ago
Shopping for homeowners insurance in Florida can be a frustrating process, in conjunction with the inevitable sticker shock we Floridians must endure. Give Laura Litchy a call! She is pleasant and responsive! She actually makes you feel like she is interested in working with you. Leave the faceless web brokers and enjoy classic customer service, you will be happy you did.
Debbie Correll
3 weeks ago
Excellent Service from James and Claire. The entire process was quick, smooth, and seamless. Thank you!
Debbie Correll
3 weeks ago
Excellent Service from James and Claire. The entire process was quick, smooth, and seamless. Thank you!
Paul Hillier
3 weeks ago
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Paul Hillier
3 weeks ago
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Robert S
3 weeks ago
Laura helped me with a new homeowner’s policy and was very helpful and professional.
READ MORE REVIEWS

What You Need to know About Flood Insurance

There is a simple fact that many people in the Tampa, Florida area don’t realize when they buy their home insurance policies: without flood insurance, you are at risk of damage and loss to your home, because flood is not a covered peril in a standard home insurance policy. Maybe you’re in what is considered a “low-risk” area and are not required to carry by your mortgage company. However, even if your house is built on higher ground and in a safer area, your personal property and dwelling are still at risk.

With hurricane season lasting six months of the year (June through November), there is always risk associated with flooding from sustained heavy rainfall, watershed saturation and backup, causing thousands in damage to your house. If you still think your home is safe, consider this fact: roughly 25% of all flood insurance claim reporting occurs in “low to moderate risk” areas.

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Frequently Asked Questions About Flood Insurance

There are two possible outcomes for residents of Tampa with losses from flooding and no flood insurance: Tampa homeowners can hope that the federal government will declare their community a disaster area, in which case there may be financial relief; or they will have to replace their losses out of their pocket. Because of the financial and emotional strain it can cause for families, the best plan is to get covered with flood insurance.

Flood insurance is purchased through the National Flood Insurance Program (NFIP) usually through a Write Your Own (WYO) carrier that is acting as a general agent for FEMA. Just recently some homeowners companies started offering flood insurance as endorsement to the homeowners policy, something that is brand new and has not been done in the past. In order for you to obtain coverage, you need to work through a licensed insurance agent such as  Cornerstone Insurance.

Unlike most other types of insurance products, flood insurance coverage does not take effect immediately! There is a 30 day waiting period (unless you are closing on a loan) for the coverage to go into effect. Tampa residents must keep this in mind when they purchase a flood policy. So, if there is a major hurricane, tropical storm or heavy rain in the forecast  you are probably already too late to cover your dwelling. It is important that you buy your insurance well in advance of storm season so you will be ready in the event of a disaster.

Below are the 2015 FEMA Preferred Flood Rates for X, C and B zones for primary homes (you reside there more than 50 percent of the year). Add $250 per year to a non-primary dwelling. FEMA Flood is paid once a year and is an annual policy. Currently, the premium may be paid through a checking account electronically, or via most major credit cards including American Express, VISA and Master Card.

Building / ContentsAnnual Premium
$20,000 / $8,000$162
$30,000 / $12,000$198
$50,000 / $20,000$258
$75,000 / $30,000$301
$100,000 / $40,000$333
$125,000 / $50,000$349
$150,000 / $60,000$371
$200,000 / $80,000$405
$250,000 / $100,000$430

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 provide flood insurance through multiple programs, including:

  • National Flood Insurance Program (NFIP)
  • Neptune Flood Insurance
  • Flow Flood
  • Vave Flood Insurance
  • Brit Flood
  • Argo Flood Insurance
  • Chaucer Flood Insurance
  • Selective Insurance — Flood
  • Tower Hill Private Flood
  • Homeowners Endorsement via Tower Hill
  • American Integrity Insurance — Flood
  • Edison Insurance — Flood
  • Ovation Home Insurance Exchange — Flood
  • Florida Peninsula — Flood

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

Audrey N.
I have been with Cornerstone for a while. Currently I’ve been working with Kari Tate on insurance for a new property. She’s been great! I love the fact she answers your calls and emails in a timely manner and is very pleasant to work with. I am quite pleased with my new policy both in the coverage and price. Thank you
Daniel W.
Laura was very attentive and helpful. It was an easy transition to obtain a new homeowners insurance policy that better meets our needs.
Charles J.
I had a great experience getting the homeowners insurance quote and coverage with James and Cornerstone Insurance Inc. He was helpful and provided the best options for insuring my home. Highly recommended.
erica G.
Very fast response and great rates. James Bonn was great to work with and explained everything so easily.
Bob L.
Jason V.
Shopping for homeowners insurance in Florida can be a frustrating process, in conjunction with the inevitable sticker shock we Floridians must endure. Give Laura Litchy a call! She is pleasant and responsive! She actually makes you feel like she is interested in working with you. Leave the faceless web brokers and enjoy classic customer service, you will be happy you did.
leonard S.
Debbie C.
Excellent Service from James and Claire. The entire process was quick, smooth, and seamless. Thank you!
Paul H.
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Robert S.
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Oscar Z.
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
Kayla K.
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
MB
Just wanted to share that working with Laura Litchy was great. I moved both our car and home insurance over to them and saved thousands a year with our new plans.
janet K.
Excellent customer service. Thank you Kyle
Quinn H.
Highly recommend! James Bonn saved me a bunch of money on my home insurance!
Jenny R.
James Bonn went above and beyond getting insurance for me, twice. Very nice people. Easy to work with.
Marie M.
Keri was so informative! She helped me to understand the process getting home owners insurance in Florida, since we are leaving NY for Florida. Hopefully I get to speak with her again.
Kathy D.
Ellis K.
Agent James Bonn was very helpful in getting Tower Hill home insurance on time when I had a short time period before my current insurance expired. He was with me all the way through until I was connected to my new service.
Erich K.
👋😎 thank you Laura L. 🤙
Raina R.
Worked with Joshua on a new policy due to current policy being non renewed (good ole Florida home insurance). Joshua was beyond patient, kind, very informative, and overall a great person to work with! I beyond appreciate his knowledge and guidance where we issued a policy that was just what I was looking for: good coverage with beyond high premiums). I would absolutely refer any and everyone to Joshua and his team when looking for FL Home Insurance!!
Tim
Customer service is as good as it gets!
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:)