Insurance We Offer in Florida
Your home, your cars, your flood policy, the boat, and the umbrella above them all: we write every personal line a Florida household carries, in every county in the state. We represent many carriers rather than one, so each of your policies is compared across the carriers competing for it and placed with a reliable carrier that fits, and a licensed agent who knows your whole household explains the choices in plain English and stays with you through the year and at renewal.
Cornerstone at a glance
Every personal line, one agency
Family insurance tends to scatter over the years: the home with one carrier, the autos with another, the boat or flood policy wherever someone suggested. As an independent Florida insurance agency writing in every county in the state, Cornerstone puts all of it in one place without tying any of it to a single company.
Cornerstone Insurance is a family-owned and operated Trusted Choice® independent personal lines agency serving Florida since 2009. No single carrier decides what you see: quotes are priced across competing markets and explained in plain English by a licensed agent who knows your whole picture. Each line below has its own page with the coverage, the carriers, and the questions that come up most.
The insurance we offer across Florida
The policy at the center of most Florida households, compared across 20+ homeowners carriers with roof paperwork and wind-mitigation credits built into the quote.
Homeowners insurance →Liability limits, comprehensive and collision, and uninsured motorist coverage sized to your cars and drivers, quoted across 6+ Florida auto carriers with the bundle priced both ways.
Auto insurance →How much coverage, never whether. We compare all three ways to buy it: the NFIP, 10+ private flood carriers, and flood endorsements where a home carrier offers one.
Flood insurance →Liability protection in $1 million layers above your home, auto, and specialty policies at once, quoted across 5+ umbrella carriers.
Umbrella insurance →HO-6 coverage sized around what Florida’s condo statute leaves to the unit owner, the finishes, flooring, cabinets, appliances and window treatments, plus anything your declaration adds and your own upgrades; your deed, not the building’s look, decides the form.
Condo insurance →A landlord’s policy is written for the building; a renters policy covers your belongings, your liability, and your living costs after a covered loss.
Renters insurance →Medical payments, uninsured motorist coverage, custom parts, and passenger liability, built for riders Florida’s no-fault law leaves out.
Motorcycle insurance →Hull valuation, liability on the water, and the named-storm plan the policy expects, quoted across the specialty carriers we represent.
Boat insurance →Motorhomes and travel trailers price differently, with decisions an auto policy never raises: total loss replacement, personal effects, coverage while parked.
RV insurance →Liability and physical damage for four-wheelers and side-by-sides, fit to the machine and where it runs.
ATV insurance →Collector cars, scheduled valuables, golf carts, vacant homes, landlord policies, and manufactured homes.
Specialty coverage →When one carrier saves money, when separate carriers protect you better, and how the umbrella ties the household together.
How bundling works →The carriers we represent
Independence is a list of appointments, and we are selective about ours. Before a carrier joins the lineup, we look at its financial strength, the reinsurance behind it, and how clients were treated through past storm seasons. For homeowners and condo policies, that lineup runs 20+ deep: Tower Hill, American Integrity, Security First, Southern Oak, Florida Peninsula, Edison, Heritage, Olympus, Slide, American Traditions, Monarch National, Ovation, Manatee, Mangrove, and more Florida homeowners carriers, with Citizens, the state-created insurer, joining the comparison where a home’s situation calls for it.
For auto, 6+ carriers compete: Progressive, GEICO, Travelers, Liberty Mutual, Mercury, Foremost, and Farmers. Umbrellas are quoted across Travelers, GEICO, Liberty Mutual, Progressive, and Mercury, plus RLI and USLI for stand-alone umbrellas over policies that stay where they are. Flood is priced across the NFIP, Neptune Flood, Tower Hill’s flood program, and 10+ private flood carriers and endorsements, and the specialty lines run through Progressive, American Integrity, Windward, Hagerty, and Liberty Mutual. Our Florida home insurance carriers hub profiles the market carrier by carrier, including the companies we compete against.
Why work with an independent Florida insurance agency
Somebody always compares the market before a policy is placed; the difference is who does the comparing. An agent who represents one company can only show that company’s rates, so the comparing falls to you. We represent many carriers rather than one, with the freedom to place your policy with whichever carrier fits you best, and to move it when the market shifts.
Cornerstone was established in 2009 by native Floridians, in years when carriers were pulling back from Florida and families were replacing policies they had counted on. That experience still sets how we vet the markets we represent, and it is the role we keep playing when a carrier leaves, a renewal stops making sense, or a new home and car need coverage quickly. The technology is part of it too: comparative raters that price one household across many carriers at once, Canopy Connect for sharing a current policy securely in about a minute, and a one-entry quote request that runs your details across every carrier we hold, with a real person following up rather than a queue.
The team behind it is licensed Florida agents, not a call center, and the details on who they are live on our company page. When a claim happens, it is filed with the carrier, and our part comes before it: making sure the coverage, the deductibles, and the endorsements were chosen with the claim in mind. Our claims information hub lists every carrier’s claims contact in one place.
How a quote works here
Tell us about your household once. Our one-entry quote request runs your home, cars, and the rest across the carriers we represent for each line, and a licensed agent works with you as a team from the first question to the bound policies.
Step 1
Get a quote
A licensed Florida agent asks about the home, the cars, the drivers, and the rest of what you own, because the details are what decide which carriers compete for each policy.
Step 2
Review your options
Because we’re independent, each policy is priced across the carriers competing for it, with the bundle and the split shown side by side and the trade-offs in plain English.
Step 3
Switch with ease
We handle the paperwork with you, help wrap up the old policies, and stay a call or text away as the household changes. Once we have everything we need, the whole move can happen the same day.
Frequently Asked Questions About Our Florida Insurance Agency
What types of insurance does Cornerstone offer?
Personal insurance only, and nearly every line of it a Florida household carries: homeowners, auto, condo, renters, flood, umbrella, motorcycle, boat and watercraft, RV, and ATV, plus specialty lines such as collector car, scheduled valuables, golf cart, vacant home, landlord and dwelling-fire policies, and manufactured home coverage. Every line links to its own page in the directory above.
How does an independent insurance agency work?
We hold appointments with many carriers rather than one. When you ask for a quote, licensed agents price it across those markets, show you the results, and place the policy with the carrier that fits you best. You keep one agent and one renewal conversation, and when the market shifts, the same agent can move the policy without you starting over.
Do you serve all of Florida?
Yes. We write personal insurance in every county in Florida, all 67, and our carrier appointments cover the whole state. Wherever you live in Florida, the quote process, the agent, and the phone number are the same.
Can I put all of my policies with one agency but different carriers?
Yes, and it is often the best-protected arrangement. Florida home carriers and auto carriers are frequently different companies, so a household might place the home with a Florida homeowners specialist, the autos with a national auto carrier, and a stand-alone umbrella over both, all through one agency with one renewal conversation. We show the single-carrier bundle and the split side by side so you can see which protects you better.
Do you write commercial insurance?
No. Cornerstone is a personal lines agency and keeps it that way on purpose. We insure what people and families own: homes, cars, boats, RVs, motorcycles, and the specialty items around them. Business coverage belongs with an agency built for it.
Which carriers do you represent?
More than 25 across our personal lines. Homeowners and condo run 20+ deep, including Tower Hill, American Integrity, Security First, Florida Peninsula, Edison, Heritage, Olympus, Slide, and Mangrove; auto is quoted across Progressive, GEICO, Travelers, Liberty Mutual, Mercury, Foremost, and Farmers; umbrellas across the auto carriers plus RLI and USLI; flood across the NFIP, Neptune Flood, and 10+ private markets; and specialty lines across Progressive, American Integrity, Windward, Hagerty, and Liberty Mutual.
How fast can you bind a policy?
Our team typically issues binding and proof-of-insurance documents the same day, with one exception: a policy tied to a loan closing, where we time the binding to coordinate with your lender. Once we have everything we need from you, the whole switch can happen the same day, and the pace is yours.
How do I file a claim?
Claims are filed with the carrier, online or by calling its claims line, and the carrier’s adjuster handles the claim from there. Our claims information hub lists every carrier’s claims contact. The agency’s value comes before a loss: knowing what your policies are written to do, where the deductibles sit, and which endorsements you carry.
What does it cost to get a quote?
Nothing. Quotes are free and carry no obligation, and comparing the market costs nothing because the carriers pay the agency when a policy is placed. The only thing a quote takes is a few minutes of your details, entered once.
How do I get started?
Start a free quote online, or call or text 813.920.8181 and a licensed Florida agent will pick it up from there. If you already have policies, sharing them through Canopy Connect, our secure policy-sharing tool, or uploading your declarations pages gives the agent your current coverage in about a minute, and the comparison starts from what you have.
Compare and learn
Carrier lineups and risk profiles for all 67 Florida counties.
Browse the county guides →Profiles of the carriers we place and the ones we compete against.
See the carrier hub →Forms, deductibles, discounts, and the buying process from first quote to renewal.
Read the guide →What the inspection documents and which retrofits move it.
Wind mitigation explained →Pro-rata refunds, surplus-lines minimums, and the same-day switch.
How switching works →Every carrier’s claims contact, and what to do before and after a loss.
Claims hub →The registration and insurance deadlines new residents most often miss.
Plan the move →