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.
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.
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.
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
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
How much homeowners insurance coverage do I need?
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.
Does home owners insurance cover flood damage?
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.
How do I know if I have enough liability coverage?
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.
Should I get a higher or lower Hurricane deductible on my policy?
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.
Which home insurance carriers do you work with?
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
What other types of insurance do you offer?
Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:
- ATV Insurance
- Auto Insurance
- Motorcycle Insurance
- Flood Insurance
- Condo Insurance
- Umbrella Insurance
- Renters Insurance
- Comprehensive Liability Insurance
- Boat & Watercraft Insurance
- RV Insurance
- Term Life Insurance
- Wedding / Special Events
- Horse Liability
- Vacant Home Insurance
- Golf Cart Insurance
- Dwelling Fire Insurance
- And More