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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.

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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

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.

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Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.
Based on 527 reviews
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Cindy R.
Eric was a lifesaver. I called him in a panic after yet again our homeowners insurance almost tripled in Tampa, so of course I start looking to find cheaper and one phone call is all it took. He went into action and took over and got me an amazing rate. He was patient and answered any questions I had and eased my mind and told me he'd help me no matter what. I will now recommend Eric to everyone I know whose insurance yet again went up.
Deborah H.
I needed to contact this company along time ago. I can't say enough about Kyle Wilson. He responded to my texts, emails and phone calls promptly. A rarity in the business world today. He got me the best deal on my homeowners insurance and I had called around myself. I highly recommend Kyle and Cornerstone!
ArtwithJanal K.
I had to give 4 stars because in the end they couldn’t help me, but Josh got back to me immediately with answers to my questions. Very helpful and friendly. Thanks for your knowledge and understanding.
Marlene H.
We have been searching for a more affordable homeowners insurance policy and we got a quick response from James Bonn at cornerstone insurance. The quote we got was much lower than other insurers and after a home inspection, we were insured by Tower Hill. He walked us through the whole process and we are good to go. In 6 months we will be checking back with James for our auto insurance.
Barbara T.
Gina McNairy gets an “A” in customer service. She patiently explained insurance details that she had already explained to my husband. She further was very patient in explaining how Docusign works, sometimes patiently explaining things twice. I know she had a heavy workload awaiting her when she finished our phone call.She continued being patient throughout the call.
John D.
Fast easy and knowledgeable
Tami M.
Our agent, James Bonn, was very nice to work with and stayed connected throughout the process. We had the quotes the same day which he thoroughly reviewed with us and answered all of our questions.
Adam R.
Cornerstone came in clutch when my existing insurance cancelled my policy due to a discrepancy from the inspection report. I reached out to Cornerstone through their website, and in just a couple of days, Eric Bushey set me up with a policy that offered more coverage for a lesser price than what I purchased when I first bought the property. I'm actually shocked they made it this easy. Highly recommend!
Michael V.
Gina and everyone at Cornerstone are great people to work with.
Dayana L.
Kyle Wilson was our agent and he was incredibly helpful at getting us the best quote for our home. Really happy with his customer service!! Good people
Shane N.
Cornerstone helped me with my new house and was very upfront and honest. Kyle Wilson exhibited patience with me and answered all my questions.
colette O.
Gina McNairy was wonderful to work with, and she gets another 5-star rating for her patience!! I had many phone calls and questions, and she excelled at explaining all of it.
Miguel R.
Gina McNairy was very helpful, thorough and very professional. She communicated extremely well from the beginning and through the end. Provided excellent options and explained the alternative. Finally, she interacted very effectively with the Realtor and the Loan Officer to ensure that all transactions were carried forward. Highly Recommended.
Michael G.
Eric is a first class representative who professionally anticipates issues and so patiently explains the tiny details. He is just really really good and a joy to work with.
john G.
Eric Bushey is the best, always fast and curious service.
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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 represent many of the top flood insurance carriers, including:

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

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

Cindy R.
Eric was a lifesaver. I called him in a panic after yet again our homeowners insurance almost tripled in Tampa, so of course I start looking to find cheaper and one phone call is all it took. He went into action and took over and got me an amazing rate. He was patient and answered any questions I had and eased my mind and told me he'd help me no matter what. I will now recommend Eric to everyone I know whose insurance yet again went up.
Deborah H.
I needed to contact this company along time ago. I can't say enough about Kyle Wilson. He responded to my texts, emails and phone calls promptly. A rarity in the business world today. He got me the best deal on my homeowners insurance and I had called around myself. I highly recommend Kyle and Cornerstone!
ArtwithJanal K.
I had to give 4 stars because in the end they couldn’t help me, but Josh got back to me immediately with answers to my questions. Very helpful and friendly. Thanks for your knowledge and understanding.
Marlene H.
We have been searching for a more affordable homeowners insurance policy and we got a quick response from James Bonn at cornerstone insurance. The quote we got was much lower than other insurers and after a home inspection, we were insured by Tower Hill. He walked us through the whole process and we are good to go. In 6 months we will be checking back with James for our auto insurance.
Barbara T.
Gina McNairy gets an “A” in customer service. She patiently explained insurance details that she had already explained to my husband. She further was very patient in explaining how Docusign works, sometimes patiently explaining things twice. I know she had a heavy workload awaiting her when she finished our phone call.She continued being patient throughout the call.