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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. 

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.

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Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.
Based on 499 reviews
See all reviews
Adam von N.
I researched Cornerstone / Tower Hill after my neighbor said good things about them, as Citizens was kicking me off and putting me with a company I had not heard of, and didn't even have a customer portal. I contacted Tower Hill and James Bonn got back to me immediately, which gave me a good feeling. We did some back and forth via email over the next 24 hours or so, and worked out a homeowners policy that I feel good about. I was hit pretty hard during Ian, so this is important to me. Bottom line is I feel like I found a good company for a fair price, and hopefully will have a good relationship should things go south in SWFL!
Lori B
While shopping around for a new Homeowners Insurance policy, I spoke with James Bonn at Cornerstone Insurance. He not only was able to get me a lower rate but also with the same coverage I had at a much higher rate! He was extremely knowledgeable and attentive to detail and went that extra mile to listen to and answer my many questions. I highly recommend James Bonn at Cornerstone Insurance for all your insurance needs! Thank you, James Bonn!!
Beth L.
Once again I utilized Cornerstone and agent James to assist me in regaining coverage I had lost. James is attentive, efficient and kind- all the qualities you want in an agent! Would highly recommend this company and James specifically 🙂 thanks again!
jlasser
James was very helpful!
Dan R.
This company is 'on it'. I made a request to remove a car from my Auto policy; procrastinated first, then asked for the premium credit to be refunded back to over 2 months prior to my request. I provided docs showing the sale of the car - and the date - and they went to bat for me and got me the full refund! It's was - and has recently been - difficult to make changes online with the carrier, but my agency stepped up and took care of it. This is the kind of service I used to get 'back in the day' when I had commercial coverage of a fleet of 12 vehicles. I only have 2 cars now but getting the attention of a much bigger Customer.

Service has declined everywhere, but not at my Ins Agency.
Russell B.
Kyle was brilliant. Great service and understood exactly what i needed.
Michael E.
Josh Gleaton is an outstanding ins agent and a great guy. Everyone needs Cornerstone Ins.
john K.
Eric Bushey came through for us when we were shopping for homeowner's insurance.
Very prompt in answering questions and walking us through the process.
Hooshang S.
Kyle Wilson is one of the best agents I have dealt with , so kind and so professional with his ideas, vision and knowledge to save me money with homeowner and auto insurance.
Thank you
Hooshang Shoaei
Civil Engineer
Guy C.
Seriously, insurancewise, best service I had in my life. Thank you Eric Bushey. It was fast and effective. Don’t hesitate to do some budiness with him.
Robert W.
James Bonn was great to work with, explained answers to my questions and made changing insurance companies easy. Going to have him look into car insurance next.
Isabella P.
Had a great experience with this company while shopping for insurance for our first home. James was extremely informative and helpful and even spoke to me on the phone to explain some of the line items to me. He followed up and communicated with my lender so I didn’t have to be a middleman – and therefore mess things up! He got me a great rate And helped me choose the right coverage for our first home. My little family and I are very grateful For his knowledge and expertise
Laura K.
After 16 years with my current auto insurance carrier, my family and I decided to make the switch. Thanks to Josh Gleaton for his extensive knowledge, quick communication and his professionalism was able to provide us with the same coverage at a much less price. He was able to answer all of our questions and concerns about making the change on our auto insurance. Extremely grateful to have good coverage with a company that values their customers. If you are looking to make the change and pay less on your auto insurance contact Josh!
Shena A.
My experience working with James Bonn at Cornerstone has been nothing short of exceptional. He not only helped reduce our home insurance costs but also enhanced our coverage, ensuring we have the protection we need. His responsiveness and professionalism made the process seamless and enjoyable, making it easy for me to wholeheartedly recommend his services. If you're looking to optimize your home insurance, consider reaching out to James at Cornerstone; you might just find that you, too, can save money while gaining better coverage while securing your peace of mind today! Shena Akins
Debbie H.
Finding good, reliable homeowners insurance in the state of Florida is not an easy task for a homeowner these days, especially if you have an older home.
Having been with the same company for over 25 years I felt overwhelmed at the thought of trying to find the right fit for us again.
Eric Bushey at Cornerstone Insurance made such an impression on myself and my husband, he was truly a pleasure to deal with.
He answered all of our questions (for many days) made suggestions, helpful ideas, and was so kind & patient with us.

Thank you Eric and Cornerstone Insurance!
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:

Adam von N.
I researched Cornerstone / Tower Hill after my neighbor said good things about them, as Citizens was kicking me off and putting me with a company I had not heard of, and didn't even have a customer portal. I contacted Tower Hill and James Bonn got back to me immediately, which gave me a good feeling. We did some back and forth via email over the next 24 hours or so, and worked out a homeowners policy that I feel good about. I was hit pretty hard during Ian, so this is important to me. Bottom line is I feel like I found a good company for a fair price, and hopefully will have a good relationship should things go south in SWFL!
Lori B
While shopping around for a new Homeowners Insurance policy, I spoke with James Bonn at Cornerstone Insurance. He not only was able to get me a lower rate but also with the same coverage I had at a much higher rate! He was extremely knowledgeable and attentive to detail and went that extra mile to listen to and answer my many questions. I highly recommend James Bonn at Cornerstone Insurance for all your insurance needs! Thank you, James Bonn!!
Tiffany V.
Beth L.
Once again I utilized Cornerstone and agent James to assist me in regaining coverage I had lost. James is attentive, efficient and kind- all the qualities you want in an agent! Would highly recommend this company and James specifically :) thanks again!
jlasser
James was very helpful!