★ 4.9 · 639 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 · 639 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 · 639 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 build 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

Top rated
Cornerstone Insurance Inc.4.9
Based on 639 reviews
Tom
4 days ago
Worked with James Bonn - great to work with, answered any questions I had and was very responsive.
Dave Padgett
4 days ago
All good thanks, very appreciate all your help now and in the future 👍
Kaye Cary
2 weeks ago
Professional, informative and helpful
Cynthia
2 weeks ago
I definitely recommend cornerstone Insurance. Kari was so fast in getting back to be with a quote. She is extremely efficient!!
Linda Hance
3 weeks ago
The representative was very helpful
Warren Bee
3 weeks ago
Christine is awesome. Super service. I’m glad I picked Cornerstone instead of a funny TV commercial company!
Selena Sena
3 weeks ago
Kyle is great! He is very helpful and attentive. He was able to find affordable plans for my home and car insurance. Would recommend him for any insurance needs
james riesel
3 weeks ago
A very excellent experience with Cornerstone Insurance and with Mr. Bonn. They took the time to listen and understand what I required in my auto policy and searched for the best deal with a quality insurer. Very prompt and courteous service with great communication
Aron Morlan
4 weeks ago
Kevin worked fast to get me coverage.
Eileen Cox
1 month ago
Outstanding customer service. Great insurance rates
John Frick
1 month ago
I do not usually do reviews but because of the assistance I received from Laura I will, I cut my insurance costs by 50%,over $5000 a year.Fantastic job Laura and Cornerstone.
Rebecca Mendes
1 month ago
"James Bonn at Cornerstone Insurance provided absolutely top-tier service! Finding the right insurance company on my own in this tough Florida market was far too complicated, but James stepped in and helped me find the best insurance for my situation in just a few days! He was incredibly responsive and successfully secured a policy at a much better price than my previous insurance while giving me vastly superior coverage. If you want a brilliant broker who takes away the stress and delivers fast, affordable results, ask for James. Five stars!"
Carlos G
1 month ago
I was overpaying for homeowners insurance in St. Cloud and needed a better option. Grok recommended this agency, so I reached out. Joshua got back to me quickly, the quote was far lower than my old premium, and he bound the policy without delay. Glad I took that recommendation. Prompt, straightforward, and a real savings.
Theresa Manduca
2 months ago
Kyle is excellent to work with!
Sharon Gallagher
2 months ago
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.

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 →

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