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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.
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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.

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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. 

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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 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.

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Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.
Based on 546 reviews
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C. X.
Jushua Gleaton was so helpful when I was purchasing the homeowner’s insurance for my new home today! He was very professional. He answered all my questions both thoroughly and quickly. Many thanks to Jushua and Cornerstone Insurance!
Judy B.
Great experience doing business with Cornerstone. They are very quick to respond and Kyle was very helpful. I only regret I didn’t switch my agent sooner. I highly recommend them.
S W
Gina is wonderful to work with. She went above and beyond to get us the lowest quote and quick turn around!
Audrey N.
Eric Bushey is my agent at Cornerstone Insurance Inc. We recently needed his help insuring our condo, he had us insured by the end of the day! The Cornerstone team made everything easy and painless.
Tumoyia B.
Cornerstone Insurance took the stress out of shopping for coverage. James Bonn made the whole process simple, answered every question with clear expertise, and was genuinely friendly throughout. He found me the best price without the headache.
Eddie C.
Josh Gleaton at Cornerstone did an outstanding job helping me find a new and very competitively priced homeowner's insurance policy. I'm a new client to Cornerstone and the service and follow-up I received from Josh was 5 Star! He did a great job explaining the coverage options and even contacted my mortgage company to notify them of the change. I would highly recommend you contact Josh for your insurance needs.
Mustafa P.
Eric Bushey is a rock star. Extremely prompt and great service!
Cheryl R.
Nina was very informative and helpful with my quote.
Margery R.
Josh provided excellent customer service. His response to my inquiry was fast and efficient. The whole process was a breeze. And he was able to find me a better rate on both my homeowners and car insurance.
McCOYMEDIA I.
⭐️⭐️⭐️⭐️⭐️
If I could give Kyle Wilson 10 stars, I would!

From the very first phone call, Kyle at Cornerstone Insurance Company brought the kind of customer service you dream about but rarely experience. I was shopping for homeowners' insurance and let’s be honest—this process is usually a headache. But Kyle? He flipped the script entirely.

He walked me through every single step with the patience of a saint and the expertise of a true pro. No fluff, no pressure—just clear, honest, and SUPER helpful guidance. I came in with a million questions, and Kyle answered every single one without making me feel rushed or overwhelmed. His professionalism is only matched by his genuine kindness and dedication to making sure I felt confident and well taken care of.

Not only did he find me the perfect policy, but the premium was better than I expected, and the entire experience was smooth, stress-free, and actually enjoyable (how often can you say that about insurance?!). It honestly felt like working with a trusted friend who had my back the whole way through.

Kyle Wilson is the gold standard for what customer service should be. If you’re looking for a top-tier insurance agent who actually cares and goes above and beyond, stop scrolling—Kyle is your guy.

Thank you, Kyle, for turning what could’ve been a chore into an absolute breeze. You’ve earned a customer for life! 🙌🏡🔥
Kathy L.
Josh was so helpful, answered every question and to top it off he saved us money!
Sharon W.
Thank you, James Bonn For all of the help that you gave me to get our insurance problem solved you are the greatest and you work for a great company. Thank you so much for everything you have done.
Margo W.
James Bonn made the whole process so easy and found us the best policy for the best price.
Court C.
Joshua responded to me immediately and was able to assist with all my questions. We got a new policy with credits established fast.
Ila S.
This is an awesome team to work with. They take the time to explain coverages and I never have a problem getting in touch with them.
READ MORE REVIEWS

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.

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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

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

C. X.
Jushua Gleaton was so helpful when I was purchasing the homeowner’s insurance for my new home today! He was very professional. He answered all my questions both thoroughly and quickly. Many thanks to Jushua and Cornerstone Insurance!
Judy B.
Great experience doing business with Cornerstone. They are very quick to respond and Kyle was very helpful. I only regret I didn’t switch my agent sooner. I highly recommend them.
S W
Gina is wonderful to work with. She went above and beyond to get us the lowest quote and quick turn around!
Divya I.
Audrey N.
Eric Bushey is my agent at Cornerstone Insurance Inc. We recently needed his help insuring our condo, he had us insured by the end of the day! The Cornerstone team made everything easy and painless.