An Umbrella Insurance Plan Made Just For You

Looking for umbrella insurance in Tampa, FL? Get the coverage you need for your assets at a price you can afford.

The best carriers, real agents, and technology that makes it easy.

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.

Florida Umbrella Insurance from a 5-Star Independent Agency

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 for Tampa, FL residents is umbrella insurance.

Tampa 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 Tampa agency — and independence works in your favor: your quote is compared across many of the top A-rated umbrella carriers in the state, so you see the best premium each market will offer, with the service and diligence you deserve.

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.5.0

Based on 1250 reviews

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John

1 day ago

James Bonn and Cornerstone In’s couldn’t have given me better service , so polite and prompt !! I am so glad that I found them on the internet and look forward to a long and ongoing relationship!!

Michael Fant

6 days ago

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 TORELLA

1 week ago

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 Lane

1 week ago

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 Agudelo

2 weeks ago

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 Stowell

2 weeks ago

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.

Earl Vegafria

3 weeks ago

Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.

Anthony White

3 weeks ago

Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.

Ken Engel

3 weeks ago

I have had Cornerstone provide my homeowners insurance policies for many years. I am in the process of relocating and James Bonn has just provided me with a policy for my new location. He was friendly, polite, knowledgeable and gave me a great quote. I highly recommend that you give James a call for your insurance needs.

Ashley Galfond

4 weeks ago

Quick service. Responsive.

Isabel rodriguez

1 month ago

Thank you Laura for your outstanding service. A very affordable home insurance

Lins Mann

1 month ago

My husband and I have had a fantastic experience with Cornerstone Insurance. We've used them for both our home and auto insurance. We had the privilege of working with Joshua and Karen; both of them are awesome insurance agents. They were very prompt and kind in their responses and very helpful with any questions we had. Thank you for working with the Carroll family!

Jean defoy

1 month ago

Excellent service from Kari

Bill Hunter

1 month ago

My insurance agent is Kyle Wilson. There is none better!! He handles my personal insurance needs and I as a Realtor refer to him my Real Estate Clients. I consistently refer my clients to at least 2 if not 3 different agents for competitive quotes and each time they say to me that "Kyle" is the one who is the quickest to respond and that he really knows his profession. He is helpful and there for you when you need him. I would go to no other than Kyle for all of my insurance needs.

Ana Valenzuela

2 months ago

After weeks of frustration with my previous agency, I found James Bonn at Cornerstone and couldn't be happier. He got everything handled quickly and seamlessly, found me better coverage at a comparable premium, and had it all bound within 24 hours. He even coordinated with my lender and canceled my old policy. If you need homeowners insurance in Florida, call James. Highly recommend!

Considering Umbrella Insurance in Tampa, FL?

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

How do I know if I need umbrella insurance in Tampa, FL?

The honest answer — and the old joke in this business — is that if you tell us how much you’re getting sued for, we’ll tell you exactly how much to buy. Nobody knows that in advance, so there is no formula. The rule we actually use with Tampa, FL area residents: buy as much umbrella coverage as you qualify for and can afford, at a limit that protects both the earnings you have today and the ones still ahead of you.

That future-earnings piece matters more than most people expect: a lawsuit that exceeds the liability limits on your standard policies can reach beyond savings into years of future wages. Because umbrella policies are very affordable for the protection they add, going without one is rarely the smart savings it looks like.

Who should I buy my umbrella policy from?

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

At Cornerstone Insurance, we are an independent insurance agency representing several of the top insurance carriers in the state of Florida — which works in your favor: your quote is compared across multiple markets and tailored to your needs and budget, not forced into one insurer’s mold. Our agents bring years of experience insuring Florida households — and that experience shows up for you in cleaner quotes, straighter answers, and renewals that get reviewed instead of rubber-stamped.

Which umbrella insurance carriers do you work with?

Because we’re independent, your quote is compared across the carriers that best fit your situation — so you see the strongest premium each market will offer before you choose. We represent many of the top umbrella insurance carriers, including:

Travelers Insurance
RLI Insurance
Geico
Mercury Insurance
Progressive Insurance
USLI (United States Liability Insurance)

What other types of insurance do you offer?

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

Florida Umbrella Insurance from a 5-Star Independent Agency

Step 1

Get A Quote

Step 2

Review Your Options

Step 3

Switch with Ease

Here's What Our Clients Have to Say

Considering Umbrella Insurance in Tampa, FL?

Frequently Asked Questions About Umbrella Insurance

How do I know if I need umbrella insurance in Tampa, FL?

Who should I buy my umbrella policy from?

Which umbrella insurance carriers do you work with?

What other types of insurance do you offer?

An independent Florida homeowners, auto, flood and liability coverage agency. FL Agency License #L061107.

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