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Southwest Florida Insurance

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 15-20+ 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.

Scott W.
We have used Kyle Wilson with Cornerstone Insurance in FL for our homeowners the past 2 years. He has provided excellent customer service for us so when we recently moved we had him quote us with an auto policy. His rates were much better than the other agents we requested quotes from so now have him covering everything for us. We appreciate his quick responses along with his professionalism.
Vanna D.
Kari is super friendly and helpful. She shared information and helpful suggestions freely.
Gillian A.
Excellent!
STEVE H.
KARI TATE WAS PROFESSIONAL AND COURTEOUS IN DISCUSSIONS ABOUT POTENTIAL HOME INSURANCE CONSIDERATIONS.
Kari M.
Jame did a awesome job in getting us placed with a new hoeowners policy on very short notice after our existing policy got non-renewed. He was prompt, efficient, friendly and courteous and got the job done! I would highly recommend him!