Google Rating
4.9
Based on 399 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

Excellent
4.9
Based on 399 reviews
Mickle B.
Mickle B.
Kyle is awesome! Helped me out through the entire process. When other companies can't get anything done? Cornerstone and Kyle make it happen.
Michael B.
Michael B.
James was accessable and walked me through the process to lower my Homeowners Insurance and save a bunch. I would highly recommend Cornerstone and James to anyone and everyone who pays Homeowners Insurance.
Pest T.
Pest T.
Thank God for Eric at Cornerstone!... I'm supposed to closed on a house in 10 days. I tried with a different company over a weekend ago and have gotten nothing back from them. I called Cornerstone at 4pm on a Friday and spoke with Eric. After I explained my situation, he talked me down off the ledge lol, and immediately started working to get me something done. I definitely regret not calling him first. Thank you Eric!
Cathy C.
Cathy C.
My current homeowners renewal came in at $11,000 and James Bonn was able to secure a policy with the same limits and same quality for $4,000 a savings of $7,000. I would recommend Cornerstone and have to anyone who is paying too much for their homeowners insurance in Florida.
Kadeem B.
Kadeem B.
I've had the pleasure of working with Kyle Wilson at Cornerstone Insurance for my home insurance needs, and I couldn't be more satisfied with the service I've received. From the beginning, Kyle was very helpful, taking the time to understand my specific needs and provide tailored solutions. His professionalism and dedication to his clients is evident in every interaction. Kyle made the entire process seamless and stress-free, offering clear explanations and prompt responses to all my questions. I highly recommend Kyle Wilson to anyone looking for reliable and personalized home insurance services.
Mark M.
Mark M.
Eric was awesome! He was thorough, professional, and responds quickly. I appreciate all their help and guidance.
SS B.
SS B.
James B. and the team at Cornerstone were fantastic. They shopped the best rates and options for us and responded promptly each time.
Glenn M.
Glenn M.
The extra time, effort and understanding of a very complex set of issues was exceptional. Under the same circumstances, I attempted to get the same policy with other agents who couldn't waste their time on an 84 YO, disabled vet request for help. They not only took the time, but came through in spades..
Jeanna T.
Jeanna T.
Eric Bushey is AWESOME! He saved me a lot of money and was quick with a quote! Thank you so much!
Kimberly Rose D.
Kimberly Rose D.
Gina was great! So helpful. We loved working with her!
Dino D.
Dino D.
Josh was helpful with my auto insurance and I’m planning to move my homeowners to this agency as well. Great experience so far -Cole J
Charlie C.
Charlie C.
Eric is a great agent. He was super responsive and knowledgeable and helped put us at ease while purchasing insurance
Amy B.
Amy B.
Kyle did a fantastic job and was very accommodating
Bella T.
Bella T.
I have a great experience with Kyle Wilson for helping me find a better quote with the same insurance company. He is very responsive and attentive to my needs. Highly recommend Kyle!
John G
John G
Great experience with agent James Bonn. He made the entire process simple and the price and value cannot be beat.
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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
Mickle B.
Mickle B.
Kyle is awesome! Helped me out through the entire process. When other companies can't get anything done? Cornerstone and Kyle make it happen.
Michael B.
Michael B.
James was accessable and walked me through the process to lower my Homeowners Insurance and save a bunch. I would highly recommend Cornerstone and James to anyone and everyone who pays Homeowners Insurance.
Pest T.
Pest T.
Thank God for Eric at Cornerstone!... I'm supposed to closed on a house in 10 days. I tried with a different company over a weekend ago and have gotten nothing back from them. I called Cornerstone at 4pm on a Friday and spoke with Eric. After I explained my situation, he talked me down off the ledge lol, and immediately started working to get me something done. I definitely regret not calling him first. Thank you Eric!
Cathy C.
Cathy C.
My current homeowners renewal came in at $11,000 and James Bonn was able to secure a policy with the same limits and same quality for $4,000 a savings of $7,000. I would recommend Cornerstone and have to anyone who is paying too much for their homeowners insurance in Florida.
Kadeem B.
Kadeem B.
I've had the pleasure of working with Kyle Wilson at Cornerstone Insurance for my home insurance needs, and I couldn't be more satisfied with the service I've received. From the beginning, Kyle was very helpful, taking the time to understand my specific needs and provide tailored solutions. His professionalism and dedication to his clients is evident in every interaction. Kyle made the entire process seamless and stress-free, offering clear explanations and prompt responses to all my questions. I highly recommend Kyle Wilson to anyone looking for reliable and personalized home insurance services.
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