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. 

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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.

Here's What Our Clients Have to Say

Kelly S.Kelly S. ★★★★★ We have had great experiences with Cornerstone, from the beginning of our policy to recent renewal questions. They are all really helpful and responsive. Kim even reached out on a weekend with an update for us. We are so thankful and highly recommend them!Cherry D.Cherry D. ★★★★★ I contacted Cornerstone for a property insurance quote. Many insurance companies are no longer writing property insurance in Florida so I was anxious. I was quickly contacted by Gina McNairy at Cornerstone. Gina found me a great price with a good solid company. Gina made me feel valued even though my policy is not a huge one. She kept in constant touch during the quote, binder, application and payment process. Great suggestions and guidance from her made the process easy. I am so glad I contacted Gina and Cornerstone. Thank you Gina!Tara S.Tara S. ★★★★★ I needed to find a new homeowner's insurance policy this month as my current policy premium increased so much this year I could no longer afford my mortgage (thanks, hurricanes...) I put in a quote request and heard back from Eric Bushey immediately. He got me a quote as soon as we spoke, and was able to activate a policy for me the SAME DAY I sent the documents he needed from me over. He was knowledgeable, responsive, and professional. THANK YOU ERIC!!Samuel P.Samuel P. ★★★★★ Had a great experience getting our home insurance. James Bonn was a great agent to work with. Thank you!!Jaime M.Jaime M. ★★★★★ Hello. Would like to saymy agent Gina McNairy is very knowledgeable and found me what I needed also a great person to talk to I give her a 10 thanks Jamie MojicaAlan M.Alan M. ★★★★★ I am a new client and couldn't be happier than to have found Cornerstone! James was excellent at getting me the best home rate I have seen and the process was completely smooth. They earned my business in every way and will continue to get it.Willie G.Willie G. ★★★★★ Gina McNairy made getting homeowners insurance a straightforward and simple process. She kept me updated throughout the process, set expectations on what's next and was very personable!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