An Umbrella Insurance Plan Made Just For You
Get the coverage you need for your assets at a price you can afford.
Man with umbrella - Live Covered
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 Tampa 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.

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 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.

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

Breathe Easy!

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

5.0
Based on 279 reviews
4.8
Based on 16 reviews
5.0
Based on 6 reviews
Closing on a new home. Sent Kelly all of my quotes I ran and had other agents run for me. She reviewed them all and provided honest feedback and her recommendations and critiques. She then adjusted them more to my preference and worked directly with lender to finalize everything for the close. I did no work and she was super responsive. Would... recommend for your insurance needs going forward.read more
Brian M.
Brian M.
19:31 30 Dec 21
Gina provided excellent service, and follow
roger S.
roger S.
18:26 18 Nov 21
Gina McNairy has helped me save money on my auto insurance and tells me when she is not competitive if I have tickets or accidents like I had a small claim $2500 for a non ticketed accident and my ins doubled but she was able to save me $1300 by getting an umbrella policyI recommend everyone use Gina and Cornerstone, especially if your new to... Floridaread more
SouthBeach O.
SouthBeach O.
16:49 01 Nov 21
Gina is the best!
Joe O.
Joe O.
20:03 14 Oct 21
Kelley Daiker was great to work with. She is very professional and efficient and she saved me a lot of money.
Larry M.
Larry M.
20:52 05 Oct 21
Kelley was a wonderful representative to work with, she was clear and explained everything I had questions about. She was quick and on top of it as I was working towards getting on my own auto insurance. She made it an ease and I am so grateful for her help and her work. Would highly recommend working with this company as well as Kelley as your... representative for any insurance needs you may have!read more
Sally T
Sally T
23:59 29 Sep 21
We use Cornerstone for both our regular home insurance as well as flood insurance policies. Their customer service is always great. Recently called to add a flood insurance policy and Gina was great to work with thoroughly exploring and explaining all of my options which resulted in me getting the best insurance policy for my needs. Highly... recommend Cornerstone Insurance as an agent.read more
Michael W.
Michael W.
21:55 08 Jul 21
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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, Tampa 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, Tampa 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 Tampa 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