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An Umbrella Insurance Plan Made Just For You
Get the coverage you need for your assets at a price you can afford.
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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.

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5-Star South Miami 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.

South Miami 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 South Miami 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.

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Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.4.9
Based on 573 reviews
See all reviews
Jean Merritt
2 days ago
Very helpful in giving different options when our current insurance would not renew. Sent several different policies that we could review. Very quick to responding to any questions. James Bonn was very easy to work with and very responsive. Would recommend to anyone looking to insure.
Jean Merritt
2 days ago
Very helpful in giving different options when our current insurance would not renew. Sent several different policies that we could review. Very quick to responding to any questions. James Bonn was very easy to work with and very responsive. Would recommend to anyone looking to insure.
Maggie Nieves
4 days ago
My experience with James and his team was nothing short of wonderful. He explained everything in great detail and answered all questions I had. Very quick to respond and slways very courteous. Thank you!
Maggie Nieves
4 days ago
My experience with James and his team was nothing short of wonderful. He explained everything in great detail and answered all questions I had. Very quick to respond and slways very courteous. Thank you!
maria ward
5 days ago
Kari answered the phone!! She is very knowledgeable and very pro-active. She knew what I needed and answered all my questions. This process was very smooth:)
maria ward
5 days ago
Kari answered the phone!! She is very knowledgeable and very pro-active. She knew what I needed and answered all my questions. This process was very smooth:)
Shayne Taylor
1 week ago
I had for a 4 point inspection and wind mitigation done. They approved the policy. My house insurance goes through my mortgage holder. So Tower Hill got paid through them, and I cancelled my old insurance carrier. Then after about a month and a half, I get a cancellation notice. They sent their own inspector in and reported a couple shingles were missing and a piece of soffit square was missing and rust on a decorative post on my porch. My roof was over 10 years old, so I quickly got the roof replaced and took care of the other issues as well before the cancellation deadline. They worked with me and not only did they keep the policy from getting cancelled, my premium is now lower because of the new roof.
Shayne Taylor
1 week ago
I had for a 4 point inspection and wind mitigation done. They approved the policy. My house insurance goes through my mortgage holder. So Tower Hill got paid through them, and I cancelled my old insurance carrier. Then after about a month and a half, I get a cancellation notice. They sent their own inspector in and reported a couple shingles were missing and a piece of soffit square was missing and rust on a decorative post on my porch. My roof was over 10 years old, so I quickly got the roof replaced and took care of the other issues as well before the cancellation deadline. They worked with me and not only did they keep the policy from getting cancelled, my premium is now lower because of the new roof.
Topi Climer
3 weeks ago
My experiences with James and Joshua before have been nothing short of amazing. Quick, prompt in follow up , clear on what can be done and most importantly helpful around what I at least needed which was to save some money. Highly recommend !
Topi Climer
3 weeks ago
My experiences with James and Joshua before have been nothing short of amazing. Quick, prompt in follow up , clear on what can be done and most importantly helpful around what I at least needed which was to save some money. Highly recommend !
Robert Williams
1 month ago
I just switched my homeowner's insurance through Joshua Gleaton with Cornerstone. I had been with my previous insurer for 32 years. Josh was outstanding to work with. He was responsive, easy to work with and provided me with tremendous savings (Cut my insurance in half). I only wish I had called him years ago.
Robert Williams
1 month ago
I just switched my homeowner's insurance through Joshua Gleaton with Cornerstone. I had been with my previous insurer for 32 years. Josh was outstanding to work with. He was responsive, easy to work with and provided me with tremendous savings (Cut my insurance in half). I only wish I had called him years ago.
Anwar Bodal
1 month ago
Agent James Bonn was very helpful with good information on selecting Tower Hill Insurance Exchange for protection of our home and processing the initial payments electronically - Thank you James
Anwar Bodal
1 month ago
Agent James Bonn was very helpful with good information on selecting Tower Hill Insurance Exchange for protection of our home and processing the initial payments electronically - Thank you James
CHERYL WILSON
1 month ago
James Bonn was a great agent! Very knowledgeable, helpful,and quick service! I am very pleased I was able to connect with him! Thanks James for you assistance in attaining my Home Insurance!
READ MORE REVIEWS

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.

Get A Quote Now

Frequently Asked Questions About Umbrella Insurance

When considering whether or not to buy umbrella insurance, South Miami 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, South Miami 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 South Miami 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

Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:

Jean M.
Very helpful in giving different options when our current insurance would not renew. Sent several different policies that we could review. Very quick to responding to any questions. James Bonn was very easy to work with and very responsive. Would recommend to anyone looking to insure.
Maggie N.
My experience with James and his team was nothing short of wonderful. He explained everything in great detail and answered all questions I had. Very quick to respond and slways very courteous. Thank you!
maria W.
Kari answered the phone!! She is very knowledgeable and very pro-active. She knew what I needed and answered all my questions. This process was very smooth:)
Mike B.
Shayne T.
I had for a 4 point inspection and wind mitigation done. They approved the policy. My house insurance goes through my mortgage holder. So Tower Hill got paid through them, and I cancelled my old insurance carrier. Then after about a month and a half, I get a cancellation notice. They sent their own inspector in and reported a couple shingles were missing and a piece of soffit square was missing and rust on a decorative post on my porch. My roof was over 10 years old, so I quickly got the roof replaced and took care of the other issues as well before the cancellation deadline. They worked with me and not only did they keep the policy from getting cancelled, my premium is now lower because of the new roof.
Topi C.
My experiences with James and Joshua before have been nothing short of amazing. Quick, prompt in follow up , clear on what can be done and most importantly helpful around what I at least needed which was to save some money. Highly recommend !
Robert W.
I just switched my homeowner's insurance through Joshua Gleaton with Cornerstone. I had been with my previous insurer for 32 years. Josh was outstanding to work with. He was responsive, easy to work with and provided me with tremendous savings (Cut my insurance in half). I only wish I had called him years ago.
Anwar B.
Agent James Bonn was very helpful with good information on selecting Tower Hill Insurance Exchange for protection of our home and processing the initial payments electronically - Thank you James
CHERYL W.
James Bonn was a great agent! Very knowledgeable, helpful,and quick service! I am very pleased I was able to connect with him! Thanks James for you assistance in attaining my Home Insurance!
Pammie B.
Thanks James for taking care of my daughter and son in-law for their first time home purchase. Not only were you prompt in providing the quotes, you were available for any questions and truly had their best interest at heart! I highly recommend Cornerstone!!
R. George H.
Jessica B.
Jan 2026- Highly recommend James! He helped me set up my homeowners and flood policies and made everything easy to understand as a first time home buyer. He was responsive, professional, and truly helpful every step of the way. Great experience overall.

Josh was incredibly helpful with helping me to find the perfect car insurance! He was able to answer all of my questions promptly and helped me to find the best rate possible without sacrificing coverage. and I cannot leave out Pammie, who helped with all of my customer service needs. What a GREAT team!!!
Liz B.
I'm very pleased with the customer service I received. Laura helped me find a great policy at a reasonable price to fit my home insurance needs. She was very professional and kind. She explained all the details about the policy and answered all my questions.
uzma K.
James Bronn made the process and experience nice to remember. He helped find the coverage that suited our needs and made sure all the information was relayed. Thank you
Lombard G.
Kyle Wilson from Cornerstone Insurance was recommended to me for purposes of purchasing home insurance on my new home in Sarasota. As a current New England resident, I was not familiar with many Florida agents and am thankful I was introduced to Kyle. He made the insurance purchase process quick and easy and was extremely attentive - despite me reaching out during the week between Christmas and New Year's Day. For those of you who have resided in the Northeast and "expect" quick, reliable service as well as timely responses to your messages, I highly recommend you contact Kyle. I am also very pleased with the pricing of the insurance and the opportunity to customize the coverage I was seeking.
Jorge B.
Kyle Wilson was extremely helpful with my home insurance request, he will reply to your questions fast, with accuracy and he works on weekends, holidays, day and night. Thanks Kyle for handling my policy!
ESTELA B.
Mrs Tate is a really nice lady and a pleasure to talk to! Patiently answered all my questions. Great customer service!
Smittywerben J.
Kari Tate was a pleasure to work with. I needed to switch over to a new policy and she made the process quick and painless, keeping my premiums low but still retaining similar coverages.
carlos D.
I recently purchased an insurance policy, and I couldn’t be happier with the experience. From the very beginning, my agent was friendly, patient, and incredibly knowledgeable. They took the time to understand my needs, explained all available options in simple terms, and never once made me feel rushed or pressured.

What stood out the most was how transparent and attentive they were. They answered every question clearly, helped me compare plans, and made sure I fully understood the coverage before making a decision. Their professionalism and genuine care made the entire process stress-free.

Thanks to their guidance, I now have a policy that fits my budget and gives me peace of mind. I truly appreciate their support and would highly recommend them to anyone looking to purchase insurance!
Dennis F.
It was so easy! No stress.
Elisha H.
“James Bonn absolutely crushed it for us! He got us the best homeowners insurance quotes fast, followed up every step of the way, and explained everything in a way no one else did. His communication and responsiveness were on point. Highly recommend!”
vikki S.
Fabulous agency; Kari called when she said she would, worked tirelessly to get us a reasonable quote and followed up promptly. Easy to reach and quick response time via phone, email, and text! Highly recommend.
PRAMAH Anti-aging & L.
I cannot say enough great things about my insurance agent, Joshua Gleaton. He stayed late, worked under intense time pressure, and got multiple policies approved so we could close within 24 hours. His responsiveness, professionalism, and knowledge were far beyond anything I’ve experienced in the insurance world.

In a time when it feels like no one goes the extra mile or even does the right thing anymore, Joshua did exactly that — all the way through. He was courteous, patient, and truly committed to making sure everything was done correctly.

If you want someone who actually shows up, communicates, and gets things done when it matters most, Joshua is the person you want. Highly recommended.
Kylie P.
I had an amazing experience with Cornerstone Lending, they were very knowledgeable and made insurance shopping a breeze! Even found me better coverage with a lower cost, Kyle helped me through the whole process!
C. X.
Jushua Gleaton was so helpful when I was purchasing the homeowner’s insurance for my new home today! He was very professional. He answered all my questions both thoroughly and quickly. Many thanks to Jushua and Cornerstone Insurance!