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

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:

Rhys B.

Kyle Wilson handled both my home insurance and flood insurance. Being new to buying a home getting someone that not only gave me the best quote but went above and beyond to make sure i was comfortable and had all the information about each quote really made this easy i can't thank him enough and i'll be sure to recommend him!

ED W.

After receiving a cancellation notice, I was referred to Conerstone Insurance.After filling out the online form, I was contacted by James Bonn.James was very responsive to emails and phone calls. He was also very helpful recommendingoptions for inspections. I was able to reduce my home insurance premium by over 2K.I would highly recommend James Bonn and Cornerstone for anyone needing insurance.

Tatiana J.

Very professional and polite. I was searching for home insurance, first company ( Five Brothers insurance) that I contacted was horrible. Then cornerstone agency gave me a nice experience. I am very impressed.

Cd Snicka 7

Kyle and Cornerstone are awesome. Kyle was very professional, thorough, kind and respectful. He personally talked me through the process and presented ever alternative to save money. And that I did. I won't consider calling anyone else for my insurance needs going forward.

Phyllis R.

Josh Gleaton and Cornerstone have been extremely helpful in getting me new and better policies. They are very responsive, always contacting me immediately when I have a question.