Google Rating
5.0
Based on 347 reviews
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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.
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.

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.

Here's What Our Clients Have to Say

ExcellentCornerstone Insurance Inc.5.0 Based on 347 reviews fromSee all reviewsJennifer H.Jennifer H. ★★★★★ Eric Bushey with Cornerstone Insurance was a pleasure to work with. He helped me find affordable homeowners insurance within a couple of days and facilitated the switch between companies smoothly. I highly recommend both Eric and Cornerstone!Tommy N.Tommy N. ★★★★★ James Bonn helped make things very easy and was fast with communications!B BB B ★★★★★ Great service from James Bonn at Cornerstone. Answered all my questions. Fast quotes. Competitive pricing. I recommend.Mary P.Mary P. ★★★★★ The cost of our home insurance with our previous provider increased by over $3000 this year and James Bonn found us a policy with a reputable company for less than we paid last year.Maciej K.Maciej K. ★★★★★ Eric Bushey is quick and helpful. Did I mention he will save you money? He did for me. Thanks.James H.James H. ★★★★★ I called and Spoke with James Bonn. Unfortunately, he was not able to help me with the coverage that I needed; however, he guided me to a provider that could. I was able to secure the coverage that I needed and saved over $2,000.00 per year for the same coverage that I had previously. I highly recomend going to him first for any homeowners insurance needs. Thank you, James HoffmanCheryl Lynn R.Cheryl Lynn R. ★★★★★ What a difference! Night and day! From my past agent to James Bonn. I was looking for homeowners insurance because my old policy doubled from last year. James is quick to respond to emails and phone calls. James knows this business well! While I was at it, I inquired about auto insurance. That was a huge difference also, so I changed that over and then my husband decided to change over with his 2 vehicles too! James made everything go so smoothly. I am very happy!!Yasmin O.Yasmin O. ★★★★★ I want to say thank you to Joshua Gleaton for helping me save hundreds of dollars on my home owner’s insurance policy. He was kind, pleasant and professional in getting back to me with all my questions. I will definitely recommend him to all my friends, colleagues and family for his exceptional customer service. Once again thank you for taking care of my insurance needs.Douglas J.Douglas J. ★★★★★ I am very pleased that I worked with James Bonn to provide my home insurance. He answered all of my questions in detail (and I had many) and did not pressure me into buying anything I did not need. He took the time to make sure the quote he provided fit my needs and my budget. I would 100% recommend him and his company.Thomas R.Thomas R. ★★★★★ Joshua Gleaton was so nice and helpful. I'm so happy I went with this insurance company!!Larry T.Larry T. ★★★★★ I was impressed with the accurate service I received from Jim Bonn. He understood exactly what I was looking for and provided it promptly. He was able to save me about $350 on home insurance along with increased coverage.Rocky C.Rocky C. ★★★★★ It is that time of the year in Florida shopping for Flood and Wind insurance. It is a minefield out there! Overwhelmed with web based companies, resulting in too many emails and telephone calls.Josh with Cornerstone connected with me and I’m glad he did. He provided me a number of options for the coverage that I wanted and stay within a budgeted amount. He was patient and communicated promptly. Went out of his way to fit the coverage with reputable companies. Square biz, straight shooter!HEATHER DAVIDSON C.HEATHER DAVIDSON C. ★★★★★ Gina McNairy is outstanding!! Her dedication to meeting a short deadline, solving for incomplete information, frequent/updated commmunication…..excellent! She went above and beyond to provide service establishing new policies.KUDOS GINA!Nicholas D.Nicholas D. ★★★★★ I worked with James Bonn and he helped me out quickly. Had a quote within an hour, paid for the policy that day and the policy started that day as well. He saved me $1100 a year on my homeowners insurance. I highly recommend.Amber S.Amber S. ★★★★★ Eric was fantastic!!! We have a short term rental property and our current agent is horrible. We were stuck between a rock and a hard place because they had a carrier that would cover our type of need. I have been shopping for a new agent for about a month with no luck. From people not getting back to me with a quote to people not having a carrier that would cover us. From our first conversation, Eric said they had a carrier and they could cover us. Not a problem. He followed through with everything he said he would do. His quote came in about $400 lower than the other one. Even with the higher coverages we needed, and lower deductibles. I highly recommend Eric and this agency! They are very professional and I’m confident we will be long term customers.js_loader

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 policieswithout 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.

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
Lydia C.
Lydia C.
Jennifer H.
Jennifer H.
Eric Bushey with Cornerstone Insurance was a pleasure to work with. He helped me find affordable homeowners insurance within a couple of days and facilitated the switch between companies smoothly. I highly recommend both Eric and Cornerstone!
Tommy N.
Tommy N.
James Bonn helped make things very easy and was fast with communications!
B B
B B
Great service from James Bonn at Cornerstone. Answered all my questions. Fast quotes. Competitive pricing. I recommend.
Mary P.
Mary P.
The cost of our home insurance with our previous provider increased by over $3000 this year and James Bonn found us a policy with a reputable company for less than we paid last year.
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