More Florida Insurance Options from a 5-Star Independent Agency
Some of the things worth protecting don’t fit inside a standard home or auto policy — a horse, a collector car, a wedding day, a piece of fine art. This page is the quick map: what each specialty policy is designed to do, and how to have it compared across carriers by a licensed Florida agent.
More coverage at a glance
Standard policies are built for the things most households share — the house, the cars, the everyday liability. The lines on this page pick up where those leave off: the horse, the collector car, the wedding, the appraised ring — each better served by a policy designed around it.
Cornerstone Insurance is a family-owned, Trusted Choice® independent agency writing personal insurance in every county in Florida. Below is plain-language education on each of these coverages, with a quick way to start a quote on the one you need — or call or text 813.920.8181 and a licensed Florida agent will talk it through with you.
Specialty coverage for the things you own
Equine & horse owner liability insurance
If you own horses in Florida, horse owner liability coverage is designed to help protect you if one of your horses injures someone or damages their property — at home or away, including shows and events, subject to the policy’s terms. These are personal policies written horse by horse: each horse you want covered is listed, and commercial equine operations aren’t eligible. The equine market goes beyond liability, too:
- Owner liability — for injury or property damage your horse causes to others
- Care, custody & control — for a horse in your care that belongs to someone else
- Mortality — coverage on the value of the horse itself
Antique & collector car insurance
A collector car that lives in the garage and comes out on its own schedule is a different risk profile than a daily commuter, and collector programs price it that way — often on an agreed-value basis set with the carrier up front. These policies sit alongside the regular auto insurance on your daily vehicles, and “collector” reaches past antiques: limited-production and exotic newer cars, street rods, replicas, lowriders and tuners, retired service vehicles like a well-kept fire truck, and pro-street or raced builds can all fit a collector program.
Start a collector car quote →Article floaters — scheduled coverage for valuables
Many homeowners policies set special, lower limits on categories of valuables that are easy to move — jewelry, fine art, collectibles — particularly for theft. An article floater (also called scheduled personal property) lists a specific item at a specific value, usually supported by an appraisal or receipt, and is designed to cover it for theft, loss, or damage subject to the policy’s terms.
Start an article floater quote →Coverage for the days you’re planning
Wedding insurance
Months of planning and a season of deposits ride on one date. Wedding insurance is designed to help when something outside your control gets in the way — the caterer that backs out, the reception hall that closes after taking a deposit — subject to the policy’s terms and the options you choose. It’s worth pricing early, before the largest deposits go out.
Start a wedding insurance quote →Special events insurance
The same thinking, sized for the other milestone days — anniversary and birthday parties, bar mitzvahs, baby showers, any celebration with real money and planning behind it. A special events policy is designed to help protect the day against setbacks you couldn’t plan around, subject to its terms. Tell us the date, venue, and headcount, and we’ll compare options across the carriers we quote.
Start a special events quote →One independent agency for the whole list
Cornerstone Insurance is a family-owned, independent Florida agency — and independent is the part that works in your favor. We represent 25+ carriers across our personal lines, so when you ask us to quote something, you see how more than one market prices it rather than taking a single company’s word for it — in every county in Florida.
It starts with getting to know you — what you own, what you’re planning, what already has a policy — because the right questions asked up front keep you from overpaying or leaving a gap. When a quote wins your business, we help you make the switch cleanly, and we’re the same people to call as things change — more about us on our company page.
One boundary we keep on purpose: we write personal insurance only — no commercial policies. Everything we quote, compare, and service is built around what people and families own.
Frequently asked questions
Do you write commercial insurance?
No — Cornerstone is a personal lines agency, and we keep it that way on purpose. We insure what people and families own and plan: homes, autos, horses, collector cars, valuables, weddings and celebrations. If you need coverage for a business, we’re honestly not the right agency for that policy — but for everything personal, that single focus works in your favor.
What specialty insurance can Cornerstone help me with?
The lines on this page: horse owner liability (plus mortality and care, custody & control options in the equine market), antique and collector car insurance, wedding insurance, special events insurance, and article floaters for scheduled valuables. They sit alongside home, auto, flood, and umbrella, so one independent agency can look after the whole picture.
Does homeowners insurance cover jewelry and fine art?
Every policy is different, so your own documents are the place to start — but many homeowners policies apply special, lower limits to categories of valuables that are easy to move, especially for theft. Where an item is worth more, an article floater lists it individually at a value usually supported by an appraisal or receipt. Reading your declarations page with your agent is the quickest way to see where your limits stand.
My classic car only leaves the garage a few times a year — how is it insured?
That’s exactly the car collector programs are built for. Limited use and careful storage are what make a vehicle a fit, and many collector policies are written on an agreed-value basis — you and the carrier settle the car’s value up front. Your daily drivers keep their regular auto policy; the collector car gets one shaped around how it actually lives.
What’s the difference between wedding insurance and special events insurance?
Mostly the occasion. Both are designed to help protect a day with real money and planning behind it, subject to the policy’s terms — wedding policies are built around weddings, while special events coverage applies the same thinking to anniversaries, milestone birthdays, bar mitzvahs, and baby showers. Either way, have that conversation before the large deposits go out.
Do you write these policies everywhere in Florida?
Yes — Cornerstone writes personal insurance in every county in Florida. Wherever you live in the state, the process is the same: call or text 813.920.8181, tell a licensed Florida agent what you’re protecting or planning, and we’ll compare your options across the carriers we quote.
Cornerstone Insurance, Inc. · Florida insurance agency license L061107 · a family-owned independent agency writing personal insurance in every county in Florida.