Insurance Video Library
Short Q&A videos from our licensed Florida agents, answering the questions clients actually ask. Each one takes a single topic that comes up on real quote calls and explains it in plain language. Watch a few and you can compare your options with a clearer picture of what matters.
In the library
Watch the Q&A videos
Two topics, each answered on camera by our team. Press play, or read the summary under each video for the short version.
Does My Policy Cover Sinkholes? Cornerstone Insurance Q&A
Sinkhole coverage and catastrophic ground cover collapse are two different things, and this short Q&A walks through the difference. Every admitted Florida homeowners policy includes catastrophic ground cover collapse by law, while separate sinkhole coverage is an optional endorsement carriers must offer — one that typically requires a property inspection before a carrier approves it. A useful watch for understanding your ground-risk options before you compare policies with your agent.
Cornerstone Insurance Q&A: Replacement Cost vs. Actual Cash Value
Replacement cost and actual cash value are the two ways a policy can value damaged property: replacement cost is based on what it costs to replace an item new, while actual cash value subtracts depreciation. The distinction matters most for contents and roofs, where depreciation adds up quickly. Which valuation applies to any given part of your home depends on your specific policy and endorsements, so it’s worth confirming with your agent when you compare options.
Read the written guides
These topics, and many more, are covered in depth in our written guides.
Our full written guide to homeowners insurance in Florida: the parts of a policy, deductibles, wind mitigation credits, and how to compare carriers.
Read the guide →Profiles of the Florida homeowners carriers we compare — financial stability, ratings, and where each one tends to fit.
Explore the carriers →Claims are filed directly with your carrier — this page puts carrier claim phone lines in one place.
File a claim →
