Florida Insurance News & Guides
Everything published here is written by a licensed Florida agent at Cornerstone — no syndicated filler. You’ll find carrier intelligence on the companies writing Florida homes, updates when the market moves, and plain-English explainers on how home, auto, flood, and umbrella coverage actually works in this state.
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The latest articles
Newest first — carrier profiles, market updates, and coverage explainers from our licensed Florida team.
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Who Needs Umbrella Insurance in Florida? Nine Real Scenarios
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Excess Liability Insurance in Florida: How It Differs From an Umbrella
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Umbrella Insurance Cost in Florida: What Drives the Premium
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How Much Umbrella Insurance Do You Need? A No-Formula Answer
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What Umbrella Insurance Covers in Florida — and What It Doesn’t
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New Construction Home Insurance in Florida: Discounts Explained
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FR-44 vs SR-22 in Florida: Which One You Need and Why
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Sinkhole Insurance in Florida: Coverage vs Ground Cover Collapse
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HO-6 Condo Insurance in Florida: What Walls-In Really Covers
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DP-3 Landlord Insurance in Florida: What Rental Owners Need
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4-Point vs Wind Mitigation Inspection in Florida: The Difference
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Roof Age and Home Insurance in Florida: The 15-Year Rule
For media & journalists
Cornerstone Insurance, Inc. is an independent Florida personal-lines agency, founded in 2009 and holding Florida agency license L061107. A licensed Florida agent is available for comment on Florida homeowners, auto, flood, and umbrella insurance topics — what carriers are doing, what policies actually say, and what it means for Florida households.