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A Florida 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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Happy family with homeowners insurance in Florida
The best carriers, real agents, and technology that makes it easy.

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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Florida Home Insurance from a 5-Star Independent 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 independent insurance agency in Florida
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

Switch with Ease

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.5.0
Based on 1242 reviews
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Ann Stowell
21 hours ago
Shopping for insurance in Florida was certainly made easier with James Bonn of Cornerstone. I appreciate all the assistance he offered, should I need it, to complete the purchase of my homeowners policy.
Earl Vegafria
7 days ago
Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.
Anthony White
1 week ago
Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.
Ken Engel
1 week ago
I have had Cornerstone provide my homeowners insurance policies for many years. I am in the process of relocating and James Bonn has just provided me with a policy for my new location. He was friendly, polite, knowledgeable and gave me a great quote. I highly recommend that you give James a call for your insurance needs.
Ashley Galfond
2 weeks ago
Quick service. Responsive.
Isabel rodriguez
3 weeks ago
Thank you Laura for your outstanding service. A very affordable home insurance
Lins Mann
3 weeks ago
My husband and I have had a fantastic experience with Cornerstone Insurance. We've used them for both our home and auto insurance. We had the privilege of working with Joshua and Karen; both of them are awesome insurance agents. They were very prompt and kind in their responses and very helpful with any questions we had. Thank you for working with the Carroll family!
Jean defoy
3 weeks ago
Excellent service from Kari
Bill Hunter
4 weeks ago
My insurance agent is Kyle Wilson. There is none better!! He handles my personal insurance needs and I as a Realtor refer to him my Real Estate Clients. I consistently refer my clients to at least 2 if not 3 different agents for competitive quotes and each time they say to me that "Kyle" is the one who is the quickest to respond and that he really knows his profession. He is helpful and there for you when you need him. I would go to no other than Kyle for all of my insurance needs.
Ana Valenzuela
1 month ago
After weeks of frustration with my previous agency, I found James Bonn at Cornerstone and couldn't be happier. He got everything handled quickly and seamlessly, found me better coverage at a comparable premium, and had it all bound within 24 hours. He even coordinated with my lender and canceled my old policy. If you need homeowners insurance in Florida, call James. Highly recommend!
Jeremy Castellucci
1 month ago
Easy to work with and answered questions thoroughly. Highly recommend contacting this agency.
Scott Walk
2 months ago
We have used Kyle Wilson with Cornerstone Insurance in FL for our homeowners the past 2 years. He has provided excellent customer service for us so when we recently moved we had him quote us with an auto policy. His rates were much better than the other agents we requested quotes from so now have him covering everything for us. We appreciate his quick responses along with his professionalism.
Vanna Denham
2 months ago
Kari is super friendly and helpful. She shared information and helpful suggestions freely.
Gillian Amritt-Sirjoo
2 months ago
Excellent!
STEVE HONIGSBERG
2 months ago
KARI TATE WAS PROFESSIONAL AND COURTEOUS IN DISCUSSIONS ABOUT POTENTIAL HOME INSURANCE CONSIDERATIONS.
READ MORE REVIEWS

Homeowners Insurance Options in Florida

Florida’s homeowners insurance market has evolved significantly — and so has Cornerstone’s carrier lineup. While some older carriers exited the state or stopped writing new policies, a new generation of well-capitalized, Florida-focused insurers has emerged to take their place. We’ve done the vetting so you don’t have to.

Today, Cornerstone represents 15 top-rated carriers actively writing homeowners insurance in Tampa and throughout the surrounding area — giving you more competitive options and the confidence that your carrier has the financial strength to pay claims when it counts.

Tampa homeowners face a distinct combination of risks: Tampa Bay’s coastal exposure, storm surge risk from the bay and gulf, aging housing stock in established neighborhoods like Seminole Heights and Hyde Park, and the region’s hurricane vulnerability. A standard homeowners policy addresses many of these — but flood damage is never covered. We strongly recommend pairing your home policy with a separate flood insurance policy for complete protection. Ask us about bundling your home and auto insurance to save on both.

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Frequently Asked Questions About Homeowners Insurance

When shopping for homeowners 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. Oftentimes, 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 homeowners 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. The good news is that flood protection is now available through multiple options: some homeowners carriers offer a flood endorsement that can be added directly to your home policy, while standalone flood coverage is also available through the NFIP and private flood carriers. Learn more about 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
  • American Strategic Insurance (ASI)
  • American Traditions Insurance
  • Edison Insurance
  • Florida Peninsula
  • Heritage Insurance
  • Manatee Insurance Exchange
  • Monarch Insurance
  • Olympus Insurance
  • Ovation Home Insurance Exchange
  • Progressive Insurance
  • Security First Insurance
  • Slide Insurance
  • Tower Hill Insurance
  • Universal Property and Casualty

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

Ann S.
Shopping for insurance in Florida was certainly made easier with James Bonn of Cornerstone. I appreciate all the assistance he offered, should I need it, to complete the purchase of my homeowners policy.
TRACI W.
Earl V.
Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.
Anthony W.
Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.
Ken E.
I have had Cornerstone provide my homeowners insurance policies for many years. I am in the process of relocating and James Bonn has just provided me with a policy for my new location. He was friendly, polite, knowledgeable and gave me a great quote. I highly recommend that you give James a call for your insurance needs.