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North Florida Insurance

Downtown Jacksonville skyline along the St. Johns River in Duval County, North Florida
Photo: Michel Curi, CC BY 2.0, via Flickr

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 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.

Isabel R.
Thank you Laura for your outstanding service. A very affordable home insurance
Lins M.
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 D.
Excellent service from Kari
Bill H.
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 V.
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!