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North Florida Insurance

Shopping for North Florida insurance? North Florida runs from the Atlantic beaches of Amelia Island, Jacksonville, and St. Augustine to the quiet Gulf shoreline of the Big Bend at Steinhatchee and Keaton Beach. Both coasts carry genuine hurricane and storm-surge exposure—Hurricanes Idalia and Helene each made landfall in the Big Bend—and the St. Johns and Suwannee rivers can push flooding well inland, so flood coverage is worth considering even far from the beach.

Cornerstone Insurance is an independent Florida agency that compares quotes from 15–20+ A-rated carriers rather than selling one company’s products. Whether you’re in Jacksonville, Palm Coast, or a smaller town like Live Oak, we shop homeowners, auto, flood, and umbrella coverage for the communities listed below—pick your city to get started.

Start comparing North Florida insurance options with the community links below.

Baker County

Bradford County

Clay County

Columbia County

Dixie County

Duval County

Flagler County

Gilchrist County

Hamilton County

Lafayette County

Madison County

Nassau County

St. Johns County

Suwannee County

Taylor County

New to Florida insurance or shopping a renewal? Read our 2026 Guide to Florida Homeowners Insurance or get a free quote from our team.

Scott W.
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 D.
Kari is super friendly and helpful. She shared information and helpful suggestions freely.
Gillian A.
Excellent!
STEVE H.
KARI TATE WAS PROFESSIONAL AND COURTEOUS IN DISCUSSIONS ABOUT POTENTIAL HOME INSURANCE CONSIDERATIONS.
Kari M.
Jame did a awesome job in getting us placed with a new hoeowners policy on very short notice after our existing policy got non-renewed. He was prompt, efficient, friendly and courteous and got the job done! I would highly recommend him!