A Flood Insurance Plan Made Just For You

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

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.

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 492 reviews

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Michael E.

Josh Gleaton is an outstanding ins agent and a great guy. Everyone needs Cornerstone Ins.

john K.

Eric Bushey came through for us when we were shopping for homeowner's insurance.
Very prompt in answering questions and walking us through the process.

Hooshang S.

Kyle Wilson is one of the best agents I have dealt with , so kind and so professional with his ideas, vision and knowledge to save me money with homeowner and auto insurance.
Thank you
Hooshang Shoaei
Civil Engineer

Guy C.

Seriously, insurancewise, best service I had in my life. Thank you Eric Bushey. It was fast and effective. Don’t hesitate to do some budiness with him.

Robert W.

James Bonn was great to work with, explained answers to my questions and made changing insurance companies easy. Going to have him look into car insurance next.

Isabella P.

Had a great experience with this company while shopping for insurance for our first home. James was extremely informative and helpful and even spoke to me on the phone to explain some of the line items to me. He followed up and communicated with my lender so I didn’t have to be a middleman – and therefore mess things up! He got me a great rate And helped me choose the right coverage for our first home. My little family and I are very grateful For his knowledge and expertise

Laura K.

After 16 years with my current auto insurance carrier, my family and I decided to make the switch. Thanks to Josh Gleaton for his extensive knowledge, quick communication and his professionalism was able to provide us with the same coverage at a much less price. He was able to answer all of our questions and concerns about making the change on our auto insurance. Extremely grateful to have good coverage with a company that values their customers. If you are looking to make the change and pay less on your auto insurance contact Josh!

Shena A.

My experience working with James Bonn at Cornerstone has been nothing short of exceptional. He not only helped reduce our home insurance costs but also enhanced our coverage, ensuring we have the protection we need. His responsiveness and professionalism made the process seamless and enjoyable, making it easy for me to wholeheartedly recommend his services. If you're looking to optimize your home insurance, consider reaching out to James at Cornerstone; you might just find that you, too, can save money while gaining better coverage while securing your peace of mind today! Shena Akins

Debbie H.

Finding good, reliable homeowners insurance in the state of Florida is not an easy task for a homeowner these days, especially if you have an older home.
Having been with the same company for over 25 years I felt overwhelmed at the thought of trying to find the right fit for us again.
Eric Bushey at Cornerstone Insurance made such an impression on myself and my husband, he was truly a pleasure to deal with.
He answered all of our questions (for many days) made suggestions, helpful ideas, and was so kind & patient with us.

Thank you Eric and Cornerstone Insurance!

Andrew P.

Amazingly helpful. Very responsive. Highly recommend!!!

Susan T.

I worked with James Boon at Cornerstone and he did a great job reducing our home insurance and better coverage. He was a pleasure to work with and very responsive. Highly recommend.

Jeff K.

My goal when I first contacted Cornerstone Insurance Company was to lower my Car Insurance rates and my Home Owners Insurance rates. With the help of Agent Josh Gleaton i was able to accomplish that goal. Josh is very kind and courteous! Most importantly he is so knowledgable about the insurance industry! Personally, I felt like he was on my side! I was formally with the same company for 51 years! Honestly, they priced themselves out of what my wife and I could afford. The two companies I chose were because they are both highly rated! Josh gave me many choices. With his expertise and knowledge I was able to pick two great companies and literally save thousands of dollars a year with both policies! I might add without sacrificing one thing vs the other company I had. Actually, my car insurance deductible came down to 250.00 and my homeowners detectable went from 10% for the hurricane deductible to 2%. Anyway, call and ask for Josh Gleaton and he might be able to help you as he was able to help me! Totally, a 5 Star Company and Josh makes it easy and he’s a total gentleman!

Cynthia L.

Eric Bushey was awesome, I'm very pleased with how he treated me and how quickly he got things done! If I could give him more stars I would.

Manuel C.

Great service and amazing price! Joshua Gleaton provided me an excellent, easy and fast service! Thank you!!!!

Nancy L.

Called and spoke to James about my home owners insurance, he's quick, he's amazing and fast. I would like to say TY. I am now a happy customer with Cornerstone insurance.

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.

Frequently Asked Questions About Flood Insurance

What happens if my home is damaged by flooding and I'm not covered?

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.

How do I obtain 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.

When do I need to buy flood insurance to be covered for hurricane season?

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.

How much is Florida Flood Insurance?

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 / Contents	Annual 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

Which flood 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 flood insurance carriers, including:

American Integrity Insurance
Tower Hill Insurance
Progressive Insurance
Heritage Insurance
Florida Peninsula
Edison Insurance
United 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: