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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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The best carriers, real agents, and technology that makes it easy.

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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Florida Flood Insurance from a 5-Star Independent Agency

★★★★★

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.5.0
Based on 1244 reviews
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Simon Munoz Agudelo
3 days ago
I didn’t think it was possible to get affordable home insurance in Florida, but Licensed Agent Joshua Gleaton was able to do that for me and my wife. It was very easy, quick and hassle free. Thank you so much Joshua 🙏🏼
Ann Stowell
3 days ago
Shopping for insurance in Florida was certainly made easier with James Bonn of Cornerstone. I appreciate all the assistance he offered, should I need it, to complete the purchase of my homeowners policy.
Earl Vegafria
1 week ago
Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.
Anthony White
1 week ago
Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.
Ken Engel
1 week ago
I have had Cornerstone provide my homeowners insurance policies for many years. I am in the process of relocating and James Bonn has just provided me with a policy for my new location. He was friendly, polite, knowledgeable and gave me a great quote. I highly recommend that you give James a call for your insurance needs.
Ashley Galfond
2 weeks ago
Quick service. Responsive.
Isabel rodriguez
3 weeks ago
Thank you Laura for your outstanding service. A very affordable home insurance
Lins Mann
3 weeks ago
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 defoy
3 weeks ago
Excellent service from Kari
Bill Hunter
1 month ago
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 Valenzuela
1 month ago
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!
Jeremy Castellucci
1 month ago
Easy to work with and answered questions thoroughly. Highly recommend contacting this agency.
Scott Walk
2 months ago
We have used Kyle Wilson with Cornerstone Insurance in FL for our homeowners the past 2 years. He has provided excellent customer service for us so when we recently moved we had him quote us with an auto policy. His rates were much better than the other agents we requested quotes from so now have him covering everything for us. We appreciate his quick responses along with his professionalism.
Vanna Denham
2 months ago
Kari is super friendly and helpful. She shared information and helpful suggestions freely.
Gillian Amritt-Sirjoo
2 months ago
Excellent!
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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:

Simon Munoz A.
I didn’t think it was possible to get affordable home insurance in Florida, but Licensed Agent Joshua Gleaton was able to do that for me and my wife. It was very easy, quick and hassle free. Thank you so much Joshua 🙏🏼
Ann S.
Shopping for insurance in Florida was certainly made easier with James Bonn of Cornerstone. I appreciate all the assistance he offered, should I need it, to complete the purchase of my homeowners policy.
TRACI W.
Earl V.
Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.
Anthony W.
Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.