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Southwest Florida Insurance

Naples Municipal Beach and Fishing Pier at sunset in Collier County, Southwest Florida
Photo: Giuseppe Milo, CC BY 2.0, via Flickr

Shopping for Southwest Florida insurance? Southwest Florida’s Gulf Coast — Manatee, Sarasota, and Charlotte counties — carries some of the state’s highest hurricane and storm-surge exposure, with direct landfalls from hurricanes Charley (2004), Ian (2022), and Milton (2024) along this stretch of shoreline. Inland, DeSoto, Hendry, and Glades counties face wind plus river and lake flooding, from the Peace River at Arcadia to Lake Okeechobee’s shoreline at Clewiston and Moore Haven.

Cornerstone Insurance is an independent Florida agency that compares quotes from 25+ A-rated carriers for homeowners, auto, flood, and umbrella coverage in the communities listed below. From Sarasota and Bradenton to Punta Gorda and LaBelle, our team helps you weigh carrier options, wind mitigation credits, and flood zone requirements before you buy.

Start comparing Southwest Florida insurance options with the community links below.

Charlotte County

DeSoto County

Glades County

Hendry County

Manatee County

Sarasota 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.

Michael F.
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 T.
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 L.
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 A.
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 S.
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.