A Unique Insurance Plan Made Just For You
Get the special coverage you need at a price you can afford.
Everyone Deserves To Live Covered.™

A lot of people have insurance plans that don’t actually fit their needs, which means they are either overpaying or are undercovered. At Cornerstone Insurance, we take the time to get to know you first and then put together a unique insurance plan that actually fits. That way, you get the most value out of every dollar and get the coverage you need without overpaying.

5-Star Tampa Insurance Company

★★★★★

At Cornerstone Insurance, we want all of your special possessions and events to “live covered”. There are a wide variety of insurance options available to meet your individual needs. Our independent Tampa agency offers a one channel insurance solution for:

Cornerstone Insurance, Inc. Better Business Bureau logo and A+ rating
3 Easy Steps to Better Coverage
Step 1

Get A Quote

Because we take the time to get to know you and ask the right questions, we’re able to put together a quote that fits you best, so you don’t overpay for your insurance.

Step 2

Review Your Options

As an independent insurance agency, we are able to work with a wider number of providers than most agencies, so you get the best value for your policy.

Step 3

Breathe Easy!

We’ll walk you through the whole process, help you cancel your previous coverage, and are here for you whenever your insurance needs change.

Here's What Our Clients Have to Say

5.0
Based on 268 reviews
4.8
Based on 16 reviews
5.0
Based on 6 reviews
Cornerstone Insurance Inc. was recommended to me by a family who retired after owning multiple successful insurance agencies throughout Florida. Cornerstone lived up to their recommendation and exceeded my expectations. As a layperson when it comes to matters like homeowner's insurance, Licensed Agent 2-20, Ileana Zumbado, was nothing short of... exceptional. She was professional in all senses of the word. She was incredibly knowledgable, patient and thorough in answering my rather rudimentary questions, and displayed exceptional follow-up and follow through. Our current policy was set to expire shortly and with a hectic work week I lost track of the fast approaching, looming expiration date. Ileana contacted me just to remind me of the deadline - not just to promote purchasing a policy through Cornerstone. That kind of customer service is something I seldom experience - especially in a field as complicated and competitive as insurance. I did seek other quotes from other companies, just for comparison, and no other company was able to offer me anything comparable to Cornerstone.Their detailed, personal attentiveness is unrivaled. Cornerstone Insurance, furthered by agents like Ileana Zumbado, has earned my highest esteem. I will never search for another insurance company again. Ileana's commitment and competence demonstrated that they are an extremely reliable and reputable company, deserving of my utmost trust and continued business. Thank you to all of Cornerstone, and especially Ileana, for your tremendous assistance and undeniable expertise.read more
Meghan Davis P.
Meghan Davis P.
17:21 19 Jun 21
I worked with Ileana Zumbado on my Homeowners and Flood Insurance. She is a pleasure to work with and I would highly recommend her. Very glad she's my agent.
Elizabeth B.
Elizabeth B.
17:10 03 Jun 21
As I was shopping around for a better rate on homeowners insurance I contacted Cornerstone Insurance. Kelly began searching for policies that were similar to my current one, but at a better rate. Within a day she presented me with several options. I now have a better policy with a lower premium. The staff was most helpful and professional. I would... certainly use them again.read more
Liz B.
Liz B.
23:38 02 Jun 21
Gina was great to work with. Nothing but professional, expeditious, and worked really hard to get me the best rates. Thank you so so much!
Armand A.
Armand A.
22:11 11 May 21
I couldn't be happier or more satisfied with the service I have received from Cornerstone Insurance, especially from my agent Gina McNairy. She is so pleasant to deal with and intuitively understood what I was looking for. And did she ever deliver! She saved me more than I could have hoped for. Outstanding experience!
Ken P.
Ken P.
20:22 06 May 21
Gina McNairy has been an outstanding agent who doesn’t drop the ball to help! She answered all of our questions & was of great help! She was amazing for I felt that Because of my experience either computer & insurance, I needed all the help I could get! Gina was absolutely fabulous! She made me feel that I knew what I was doing! I would give... her a five star recommendation & I will refer Gina to others!Thank you for having people like Gina working for you! She has it all in taking care of customers! Thank you to Gina!Jeanette Mentzerread more
Jeanette M.
Jeanette M.
20:36 23 Apr 21
Kelley is an extremely good agent. A real pleasure to talk to as good customer service seems to be a thing of the past lately. She was very patient and knowledgeable when explaining the policy I was interested in. She had answers to most of my questions right away and got back to me very quickly with any other concerns I might have had. She was a... pleasure to talk to and I felt like I knew her for years. An excellent agent.read more
karen P.
karen P.
20:33 21 Apr 21

Equine & Horse Owner Liability Insurance

If you own horses in Florida, a Horse Owner Liability policy can protect you against injury or property damage claims due to your horses. This coverage would apply on or off your property – including horse shows and other events. Commercial equine operators are not eligible, and only horses listed on the policy would be covered. In addition to liability, there are also several other types of equine insurance to consider:

  • Mortality (similar to a human life insurance policy)
  • Major medical
  • Loss of use
  • Owner liability (to protect you if your horse hurts someone or damages property)
  • Care, custody, and control (to protect you if you hurt someone else’s horse)

Antique & Collector Car Insurance

The Tampa collector car market is very unique, and therefore the types of insurance needed are unique as well. If you have a collector or classic car that is generally kept in storage (not a daily-use vehicle) it may qualify for this special kind of agreed value auto insurance. Types of vehicles that may qualify include:

  • Antique & classic vehicles
  • Newer vehicles: limited production, exotic & special interest
  • Modified vehicles: street rods, replicas, lowriders & tuners
  • Retired commercial vehicles: fire trucks & other commercial vehicles
  • Vehicles under restoration
  • Motorsports: pro-street & any raced vehicles

Wedding Insurance

For your special day, you are working hard to make sure that everything goes smoothly. But what if your caterer backs out, or the reception hall goes out of business after making a hefty deposit? Wedding Insurance can cover these unexpected setbacks and more. Wedding insurance can cover:

  • Cancellation or postponement
  • Additional expenses
  • Wedding photographs/video
  • Wedding gifts
  • Special jewelry
  • Lost deposits

Special Events Insurance

Similar to Wedding Insurance, this protection plan covers a variety of special events, helping to protect the day you’ve worked so hard to make perfect. From Anniversary and birthday parties to bar mitzvahs and baby showers, Special Events Insurance can cover things like:

  • Lost deposits
  • Special attire
  • Event gifts
  • Photography
  • Cancellation/postponement
  • And more

Article Floaters Insurance

Often, homeowners policies will not fully cover certain items, especially those which are easily movable. Article Floaters insurance provides additional coverage for personal property in the event of theft, loss or damage. Categories include:

  • Jewelry
  • Fine Arts (fragile, non-fragile, unscheduled)
  • Furs
  • Cameras
  • Sporting Equipment
  • Musical Instruments (non-professional)
  • Silverware
  • Postage Stamps
  • Rare Coins & Collections
  • Computers & Media
  • Wine
  • Golf Carts
  • Guns/Firearms
  • Bicycles
  • Other Miscellaneous Items