Google Rating
5.0
Based on 346 reviews
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A Homeowners 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 homeowners 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 homeowners coverage you need without overpaying.

5-Star Tampa Home Insurance Agency

★★★★★

Looking for homeowners insurance Tampa residents can count on? Cornerstone Insurance is here to help. We are a family-owned and operated Trusted Choice® independent personal lines insurance agency serving Floridians in Tampa, Orlando, Ocala, Jacksonville and many towns and cities in between. 

Our independent Tampa agency offers a one channel insurance solution for Florida residents. Because we are independent, we offer our clients many of the top A rated home insurance carriers in the state, at the best premiums and with the service, diligence and professionalism they deserve. 

Trusted Choice logo
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 homeowners 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

Homeowners Insurance Options in Florida

In recent years, many carriers have non-renewed or are no longer issuing new policies in the state. As a result, the homeowners insurance Tampa residents have to choose from has become more limited.

At Cornerstone Insurance, we have investigated and vetted the insurance companies still writing and selected to represent only the top rated and most experienced carriers of the group. This gives our clients the assurance of knowing that their home and property is protected by an insurance company that is financially stable and ready and capable of paying claims if a disaster occurs.

Frequently Asked Questions About Homeowners Insurance

When shopping for home owners insurance, Tampa residents often make the mistake of using the purchase price of the home as the basis for the amount of coverage they request. Often times, the purchase price of the home is not the same as its replacement cost. This is especially true if the house was purchased several years ago. As building codes change and inflation pushes up the price of materials and labor, replacement costs tend to become higher than purchase price or even market value. Make sure you are dealing with an agent that understands these differences, and will write you a policy with adequate coverage to replace your dwelling in the event of a total loss.

Also Consider Extended Replacement Cost in Case of Disaster: If a major disaster strikes your area, it is wise to carry extended replacement cost on your homeowner policy to account for a possible spike in material costs to rebuild the home.

The standard home insurance Tampa residents buy does not include flood insurance. So if your dwelling is ever damaged by a flood, you would be responsible to pay the costs directly out of pocket. To make sure you are fully covered, it is wise to purchase additional flood insurance for your home.

Make sure you have high enough individual liability limits in case someone is injured on your property and submits a claim against you. In general, you should have at least enough to match your financial net worth. If net worth exceeds the maximum liability coverage of the homeowners insurance, Tampa residents should consider an umbrella policy to give them the additional liability coverage they need.

Most home insurance policies in Tampa, FL have a 2% hurricane deductible. This means that if your home is insured for $100,000, you would be responsible to pay the first $2,000 out of pocket due to hurricane damage. The higher the deductible, the lower your annual premium, but make sure you can afford to pay that deductible if a hurricane ever does damage to your house.

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 homeowners insurance carriers, including:

  • American Integrity Insurance
  • Tower Hill Insurance
  • Progressive Insurance
  • ASI Insurance
  • Heritage Insurance
  • Federated National Insurance
  • Florida Peninsula
  • Edison Insurance
  • Narragansett Bay Insurance
  • American Traditions Insurance
  • United Property and Casualty
  • Universal Property and Casualty
  • Safepoint Insurance
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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