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An Umbrella Insurance Plan Made Just For You
Looking for umbrella insurance in Tampa, FL? Get the coverage you need for your assets at a price you can afford.
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Father holding a yellow umbrella over his child on a Florida beach
The best carriers, real agents, and technology that makes it easy.

A lot of people have umbrella 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 umbrella insurance you need without overpaying.

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Florida Umbrella Insurance from a 5-Star Independent Agency

★★★★★

There are times when the liability limits of a standard insurance policy like auto or homeowners are not high enough to protect all of the financial assets and personal property of the policy holder. When this is the case, the solution for Tampa, FL residents is umbrella insurance.

Tampa area residents and businesses can purchase umbrella insurance (also known as excess liability) as an add-on to the liability portions of their underlying policies. This additional coverage can often be purchased for only a few hundred dollars or less per year.

At Cornerstone Insurance, we are an independent Tampa agency offering a one-channel insurance solution for Florida residents. Because we are independent, we offer our clients many of the top A rated umbrella 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 umbrella 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 1244 reviews
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Simon Munoz Agudelo
4 hours ago
I didn’t think it was possible to get affordable home insurance in Florida, but Licensed Agent Joshua Gleaton was able to do that for me and my wife. It was very easy, quick and hassle free. Thank you so much Joshua 🙏🏼
Ann Stowell
22 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!
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Considering Umbrella Insurance in Tampa, FL?

Like the name sounds, an umbrella policy is like an umbrella that covers you and keeps you dry during a storm. In this case, it would be a financial storm in which your assets are at risk because someone is suing you. This lawsuit could be for a personal injury resulting from a vehicle, motorcycle or watercraft accident, an injury occurring in your home, or damage done by you, a family member or pet outside your home.

When the liability limits on your regular policy are exhausted, your umbrella policy kicks in to provide the additional coverage you need to make sure your finances are protected.

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Frequently Asked Questions About Umbrella Insurance

When considering whether or not to buy umbrella insurance, Tampa, FL area residents should total all of their financial assets and calculate their net worth. If your net worth is higher than the liability limits on your regular insurance policies, then you should definitely choose an umbrella policy to cover the overage. For example, if the liability limit on your home owners or rental policy is $500,000 and you have $1.5 million in assets, then you would need additional liability insurance of $1 million.

It should be noted that even if you don’t have a large amount of personal assets, a lawsuit that exceeds the liability limits on your standard policies could lead to bankruptcy and/or years of wage garnishments. Because umbrella policies are very affordable, it may still make sense to buy the additional coverage to protect yourself and your family from financial disaster.

That always depends on your individual circumstances and coverage needs. With umbrella insurance, Tampa, FL residents should know that no single insurer can provide the best coverage in every situation.

At Cornerstone Insurance, we are an independent insurance company representing several of the top insurance carriers in the state of Florida. We are able to leverage our relationships with these carriers to customize an umbrella insurance solution that will be tailored to meet your needs and fit within your budget. We have years of experience providing personal insurance to residents of Tampa and south Florida and we pride ourselves on giving quality service to all our clients.

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 umbrella insurance carriers, including:

  • Travelers Insurance
  • RLI Insurance
  • Geico
  • Mercury Insurance
  • Progressive Insurance
  • USLI (United States Liability Insurance)

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.