★ 4.9 · 626 Google reviews  ·  BBB A+ Accredited  ·  Trusted Choice  ·  FL agency license L061107Call or Text 813.920.8181
Established 2009 · Independent Florida agency

About Cornerstone Insurance

Cornerstone Insurance, Inc. is independently owned and operated — founded by native Floridians, so the people comparing your coverage answer to you, not to any one carrier. Every quote and service request runs on the same values you’ll feel as a client: honesty, integrity, professionalism, diligence and respect. The best carriers, real agents, and technology that makes it easy.

Free, no obligation — talk to a licensed Florida agent today.

Cornerstone at a glance

Independent since
2009 — family-owned, founded by native Floridians
Carriers we compare
20+ Florida homeowners carriers · 25+ across our personal lines
Where we write
Every Florida county — all 67
Google rating
★ 4.9 · 626 Google reviews — read them from any page
Licensed & accredited
Florida agency license L061107 — Trusted Choice®, BBB A+ accredited, FAIA member
Personal lines are all we do — home, auto, flood, and umbrella, compared across carriers so the fit is right before the price is quoted.
★ 4.9
Google · 626 reviews
15,000+
policies written since 2009
$5B+
in Florida property insured
67
Writing in all Florida counties, one agency

Our mission

To our clients

To inspire faith and confidence in all we do — providing real value through quality, affordable insurance products from a choice of financially stable companies, professional, timely and accurate service, and long-lasting, mutually beneficial relationships built on our core values — earning our place as your insurance agency of choice.

To our team

To create a culture where our people are respected, appreciated and valued — afforded the tools and training to be successful, a positive and rewarding environment where teamwork is emphasized and efficiency and productivity are rewarded, and industry-competitive compensation for their valuable contributions — carrying out our mission while living our core values.

To our carrier partners

To be a trusted, reliable and long-term business partner — writing quality, mutually profitable business that supports the financial well-being of our carriers, and working together to provide the best possible experience for our mutual clients.

To our community

To invest in our community by contributing our time and financial resources, to promote and support family and country, and to be seen as a good corporate citizen operating with the highest regard for all our stakeholders.

Meet our team

Real licensed Florida agents — the same people quote your coverage, answer the phone, and service your policy year after year.

Joshua Butts, owner and licensed agent in charge at Cornerstone Insurance

Joshua Butts

Owner · Team Leader · Licensed Agent in Charge

Mara Koogle, leader of account management at Cornerstone Insurance

Mara Koogle

Leader of Account Management and Office Manager · Licensed Agent

Karen Aragon, client service representative at Cornerstone Insurance

Karen Aragon

Client Service Representative · Licensed Agent

Kari Tate, licensed advisor at Cornerstone Insurance

Kari Tate

Licensed Advisor

Kyle Wilson, licensed advisor at Cornerstone Insurance

Kyle Wilson

Licensed Advisor

Laura Litchy, licensed advisor at Cornerstone Insurance

Laura Litchy

Licensed Advisor

James Bonn, licensed advisor at Cornerstone Insurance

James Bonn

Licensed Advisor

Joshua Gleaton, licensed advisor at Cornerstone Insurance

Joshua Gleaton

Licensed Advisor

Kevin Gorniak, licensed advisor at Cornerstone Insurance

Kevin Gorniak

Licensed Advisor

Claire Arevalo, welcome team associate at Cornerstone Insurance

Claire Arevalo

Welcome Team Associate and Application Processor

Jamie Piralta, agency administration at Cornerstone Insurance

Jamie Piralta

Agency Administration and Policy Manager

Why Cornerstone?

Florida’s insurance market is unlike anywhere else in the country. Rising premiums, carrier exits, and reduced coverage options have left too many homeowners, drivers, and families without the protection they actually need.

We’re selective about the carriers we work with. Cornerstone partners only with companies that have proven experience operating in Florida — or newer carriers backed by highly experienced management teams. We don’t chase volume. We specialize in building comprehensive, customized coverage packages around the real-life situations our clients face every day.

Cornerstone is a proud member of the Florida Association of Insurance Agents and the Trusted Choice Insurance Network, and holds an A+ rating with the Better Business Bureau. We focus exclusively on personal lines insurance — because doing one thing well means you always get our full attention.

What clients say about our Florida insurance agency

Excellent
Cornerstone Insurance Inc.4.9
Based on 629 reviews
Wayne Bulthuis
2 weeks ago
Very responsive and helpful
Alan Malanych
3 weeks ago
James was very easy to talk to understood her needs and took care of us. Great price great experience.
Lee Stabler
3 weeks ago
Worked with Kevin at Cornerstone and he was exceptional. He was patient in walking through all the different coverages, answering all of my questions, and helping me to find the right policy. If there was an option for 6 stars, I would have went with that. Looking forward to working with him again!
John
1 month ago
James Bonn and Cornerstone In’s couldn’t have given me better service , so polite and prompt !! I am so glad that I found them on the internet and look forward to a long and ongoing relationship!!
Michael Fant
1 month ago
I strongly recommend working with Joshua Gleaton, thanks to him I was able to find the best options for my homeowners insurance. He is excellent at quickly replying via email and goes out of his way to assist you if you have additional questions.
ELODIA TORELLA
1 month ago
Exceptional service! Laura was extremely fast to respond and provided several great coverage options tailored to my needs. She made the whole process easy and stress-free. Highly recommended
Danielle Lane
1 month ago
Joshua Gleaton helped us secure an awesome rate for our new Florida home! He was super responsive to my many emails and always provided a thorough answer. We had some closing delays and he adjusted our effective date several times. We will be seeking some auto insurance quotes through him next!
Simon Munoz Agudelo
2 months ago
I didn’t think it was possible to get affordable home insurance in Florida, but Licensed Agent Joshua Gleaton was able to do that for me and my wife. It was very easy, quick and hassle free. Thank you so much Joshua 🙏🏼
Ann Stowell
2 months ago
Shopping for insurance in Florida was certainly made easier with James Bonn of Cornerstone. I appreciate all the assistance he offered, should I need it, to complete the purchase of my homeowners policy.
Earl Vegafria
2 months ago
Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.
Anthony White
2 months ago
Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.
Ken Engel
2 months ago
I have had Cornerstone provide my homeowners insurance policies for many years. I am in the process of relocating and James Bonn has just provided me with a policy for my new location. He was friendly, polite, knowledgeable and gave me a great quote. I highly recommend that you give James a call for your insurance needs.
Ashley Galfond
2 months ago
Quick service. Responsive.
Isabel rodriguez
2 months ago
Thank you Laura for your outstanding service. A very affordable home insurance
Lins Carroll
2 months ago
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!

More about Cornerstone

Giving back

The community side of the agency — where our time and support go each year.

Giving back →
Careers

Growing team, personal lines only — see what working here looks like.

Careers at Cornerstone →
In the media

Where Cornerstone has been quoted and featured on Florida insurance topics.

In the media →
Refer a friend

The best compliment we get — send a friend or neighbor our way.

Referral program →

See what the market really charges for your coverage.

Free, no obligation — a licensed Florida agent compares your options with you.
Theresa M.
Kyle is excellent to work with!
Sharon G.
We worked with Laura Litchy who was extremely helpful and knowledgable, answering our many questions and providing us with several options from which to choose. In addition she went out of her way to make sure we contacted the fire Marshall about upgrading our home’s fire protection rating which saved us several hundred dollars. We look forward to working with Laura and Cornerstone, our new Homeowners insurance agency.
SUSAN P.
Very professional and very knowledgeable. Laura was able to get the best quote possible that fit our needs. I highly recommend Cornerstone Insurance Agency.
TACO D.
Kari handle all of my work and no issues. Needed insurance and gave me great deal.
Paula S.
Kari handled my request for a quote very well! She was professional and kind. I wish her quote was less but I will review it again in early ‘27 when I renew my homeowners policy.