An Umbrella Insurance Plan Made Just For You
Get the coverage you need for your assets at a price you can afford.
Father-walking-with-daughter-on-a-beach-under-an-umbrella
Everyone Deserves To Live Covered.™

A lot of people have umbrella insurance plans that don’t actually fit their needs, which means they are either overpaying or are undercovered. At Cornerstone Insurance, we take the time to get to know you first and then put together a plan that actually fits. That way, you get the most value out of every dollar and get the umbrella insurance you need without overpaying.

5-Star Lauderdale-by-the-Sea Umbrella Insurance Company

★★★★★

There are times when the liability limits of a standard insurance policy like auto or homeowners are not high enough to protect all of the financial assets and personal property of the policy holder. When this is the case, the solution is umbrella insurance.

Lauderdale-by-the-Sea area residents and businesses can purchase umbrella insurance (also known as excess liability) as an add-on to the liability portions of their underlying policies. This additional coverage can often be purchased for only a few hundred dollars or less per year.

At Cornerstone Insurance, we are an independent Lauderdale-by-the-Sea agency offering a one-channel insurance solution for Florida residents. Because we are independent, we offer our clients many of the top A rated umbrella insurance carriers in the state, at the best premiums and with the service, diligence and professionalism they deserve.

Trusted Choice independent insurance agency in Florida
Cornerstone Insurance, Inc. Better Business Bureau logo and A+ rating
3 Easy Steps to Better Coverage
Step 1

Get A Quote

Because we take the time to get to know you and ask the right questions, we’re able to put together a quote that fits you best, so you don’t overpay for your umbrella insurance.

Step 2

Review Your Options

As an independent insurance agency, we are able to work with a wider number of providers than most agencies, so you get the best value for your policy.

Step 3

Switch with Ease

We’ll walk you through the whole process, help you cancel your previous coverage, and are here for you whenever your insurance needs change.

Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.4.9
Based on 599 reviews
Ms. Patty
9 hours ago
Mr. James Bonn, was quick to response, heard my needs and adjusted my policy quote to fit them. Respected my time and style of communication. I am very appreciative of the way he handled the whole process, from the sales to closing the deal.
Ms. Patty
9 hours ago
Mr. James Bonn, was quick to response, heard my needs and adjusted my policy quote to fit them. Respected my time and style of communication. I am very appreciative of the way he handled the whole process, from the sales to closing the deal.
Katie Burris
12 hours ago
Very friendly, prompt and courteous service and they were able to provide me with an awesome rate for my insurance needs. Kari was fabulous!
Katie Burris
12 hours ago
Very friendly, prompt and courteous service and they were able to provide me with an awesome rate for my insurance needs. Kari was fabulous!
Mike Rixon
5 days ago
James was great. It was very easy to switch my auto insurance over and saved a lot of money.
Mike Rixon
5 days ago
James was great. It was very easy to switch my auto insurance over and saved a lot of money.
Candace Hagedorn
5 days ago
Excellent service. Kari is wonderful. Should I move forward, I will reach out to her.
Candace Hagedorn
5 days ago
Excellent service. Kari is wonderful. Should I move forward, I will reach out to her.
richard guevremont
1 week ago
Laura was great , she was prompt, professional, and kind . Also happy with the premium for my new homeowners policy . I will bundle my truck and motorcycle insurance with Laura at Cornerstone as soon as I move into our new home in Florida.
richard guevremont
1 week ago
Laura was great , she was prompt, professional, and kind . Also happy with the premium for my new homeowners policy . I will bundle my truck and motorcycle insurance with Laura at Cornerstone as soon as I move into our new home in Florida.
Lori Bredbenner
1 week ago
Jamie Piralta jumped right in to assist when we were drawing near our deadline in supplying proofs of insurance for our new home! Thank you, Jamie!
Lori Bredbenner
1 week ago
Jamie Piralta jumped right in to assist when we were drawing near our deadline in supplying proofs of insurance for our new home! Thank you, Jamie!
Jeffrey Bredbenner
2 weeks ago
Kari Tate and the rest of her team have been so helpful as we sought home and flood insurance coverage for our new home purchase. When there were questions, they were immediately answered. When the mortgage company requested updates, they were provided within less than twenty four hours. Kari, Claire, and Karen provided answers immediately to all concerns or questions. Kari, thank you as I feel you truly went over and above for us. Heartfelt thanks to everyone.
Jeffrey Bredbenner
2 weeks ago
Kari Tate and the rest of her team have been so helpful as we sought home and flood insurance coverage for our new home purchase. When there were questions, they were immediately answered. When the mortgage company requested updates, they were provided within less than twenty four hours. Kari, Claire, and Karen provided answers immediately to all concerns or questions. Kari, thank you as I feel you truly went over and above for us. Heartfelt thanks to everyone.
Ashu Swami
2 weeks ago
Excellent experience from start to finish. My agent
Laura Litchy was responsive, thorough, and made sure they understood exactly what I needed. Communication was clear and timely throughout the process, and I truly appreciated their professionalism and attention to detail. Highly recommend!

Considering Umbrella Insurance in Florida?

Like the name sounds, an umbrella policy is like an umbrella that covers you and keeps you dry during a storm. In this case, it would be a financial storm in which your assets are at risk because someone is suing you. This lawsuit could be for a personal injury resulting from a vehicle, motorcycle or watercraft accident, an injury occurring in your home, or damage done by you, a family member or pet outside your home.

When the liability limits on your regular policy are exhausted, your umbrella policy kicks in to provide the additional coverage you need to make sure your finances are protected.

Frequently Asked Questions About Umbrella Insurance

When considering whether or not to buy umbrella insurance, Lauderdale-by-the-Sea area residents should total all of their financial assets and calculate their net worth. If your net worth is higher than the liability limits on your regular insurance policies, then you should definitely choose an umbrella policy to cover the overage. For example, if the liability limit on your home owners or rental policy is $500,000 and you have $1.5 million in assets, then you would need additional liability insurance of $1 million.

It should be noted that even if you don’t have a large amount of personal assets, a lawsuit that exceeds the liability limits on your standard policies could lead to bankruptcy and/or years of wage garnishments. Because umbrella policies are very affordable, it may still make sense to buy the additional coverage to protect yourself and your family from financial disaster.

That always depends on your individual circumstances and coverage needs. With umbrella insurance, Lauderdale-by-the-Sea residents should know that no single insurer can provide the best coverage in every situation.

At Cornerstone Insurance, we are an independent insurance company representing several of the top insurance carriers in the state of Florida. We are able to leverage our relationships with these carriers to customize an umbrella insurance solution that will be tailored to meet your needs and fit within your budget. We have years of experience providing personal insurance to residents of Lauderdale-by-the-Sea and south Florida and we pride ourselves on giving quality service to all our clients.

Because we are independent, we offer our clients the best carriers, at the best premiums and with the service, diligence and professionalism you deserve. We represent some of the top umbrella insurance carriers, including:

  • American Integrity Insurance
  • Progressive Insurance
  • Hudson Insurance
  • Travelers Insurance
  • Mapfre Insurance
  • Safeco Insurance
Mr. James Bonn, was quick to response, heard my needs and adjusted my policy quote to fit them. Respected my time and style of communication. I am very appreciative of the way he handled the whole process, from the sales to closing the deal.
Very friendly, prompt and courteous service and they were able to provide me with an awesome rate for my insurance needs. Kari was fabulous!
James was great. It was very easy to switch my auto insurance over and saved a lot of money.
Excellent service. Kari is wonderful. Should I move forward, I will reach out to her.
Laura was great , she was prompt, professional, and kind . Also happy with the premium for my new homeowners policy . I will bundle my truck and motorcycle insurance with Laura at Cornerstone as soon as I move into our new home in Florida.
Jamie Piralta jumped right in to assist when we were drawing near our deadline in supplying proofs of insurance for our new home! Thank you, Jamie!
Kari Tate and the rest of her team have been so helpful as we sought home and flood insurance coverage for our new home purchase. When there were questions, they were immediately answered. When the mortgage company requested updates, they were provided within less than twenty four hours. Kari, Claire, and Karen provided answers immediately to all concerns or questions. Kari, thank you as I feel you truly went over and above for us. Heartfelt thanks to everyone.
Excellent experience from start to finish. My agent
Laura Litchy was responsive, thorough, and made sure they understood exactly what I needed. Communication was clear and timely throughout the process, and I truly appreciated their professionalism and attention to detail. Highly recommend!
I have been with Cornerstone for a while. Currently I’ve been working with Kari Tate on insurance for a new property. She’s been great! I love the fact she answers your calls and emails in a timely manner and is very pleasant to work with. I am quite pleased with my new policy both in the coverage and price. Thank you
Laura was very attentive and helpful. It was an easy transition to obtain a new homeowners insurance policy that better meets our needs.
I had a great experience getting the homeowners insurance quote and coverage with James and Cornerstone Insurance Inc. He was helpful and provided the best options for insuring my home. Highly recommended.
Very fast response and great rates. James Bonn was great to work with and explained everything so easily.
Shopping for homeowners insurance in Florida can be a frustrating process, in conjunction with the inevitable sticker shock we Floridians must endure. Give Laura Litchy a call! She is pleasant and responsive! She actually makes you feel like she is interested in working with you. Leave the faceless web brokers and enjoy classic customer service, you will be happy you did.
Excellent Service from James and Claire. The entire process was quick, smooth, and seamless. Thank you!
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
Just wanted to share that working with Laura Litchy was great. I moved both our car and home insurance over to them and saved thousands a year with our new plans.
Excellent customer service. Thank you Kyle
Highly recommend! James Bonn saved me a bunch of money on my home insurance!
James Bonn went above and beyond getting insurance for me, twice. Very nice people. Easy to work with.
Keri was so informative! She helped me to understand the process getting home owners insurance in Florida, since we are leaving NY for Florida. Hopefully I get to speak with her again.