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 274 reviews
4.8
Based on 16 reviews
5.0
Based on 6 reviews
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
I found the customer service and integrity of the Cornerstone Insurance Agency to be refreshing and outstanding. They listened to my concerns and thoroughly researched multiple options within their insurance portfolio, and offered me several viable options to consider. I really appreciate the knowledge and responsiveness of Kelly Daiker for... auto insurance , she was really very good. Pammie Busey did an excellent job of doing an annual review of my homeowners policy and again offered options and advice. She was very knowledgeable and helpful throughout the process. Both agents were a pleasure to work with. This agency "gets it" when it comes to customer service, which I personally find lacking in many companies and businesses today.read more
James M.
James M.
20:34 28 Jun 21
Although I was working with two agents already, I reached out to my niece and asked her who assisted with home insurance when she purchased her house 3 years ago. She said she was working with Ileana Zumbado, and that she was wonderful to work with. It didn’t take me long to realize that Ileana Zumbado is wonderful to the 9th power and knew she... was the one I wanted to work with. Needless to say, i said thank you and goodbye to the others. Ileana is very responsive and patient. She clearly navigated me in the ever changing world of insurance in FL, providing options which enabled me to make an informed decision with my coverage choice. Ileana clearly explained and educated me on what I could do to qualify for lower premiums with wind mitigation improvements. Coming from the northeast, all of this was a new adventure and Ileana a very trusted advisor and part of the team. I can only rate my experience with Ileana as a max 5 here, otherwise it would be a 12. I highly recommend her.read more
Nancy L.
Nancy L.
19:18 26 Jun 21
Cornerstone Insurance Inc. was recommended to me by a family who retired after owning multiple successful insurance agencies throughout Florida. Cornerstone lived up to their recommendation and exceeded my expectations. As a layperson when it comes to matters like homeowner's insurance, Licensed Agent 2-20, Ileana Zumbado, was nothing short of... exceptional. She was professional in all senses of the word. She was incredibly knowledgable, patient and thorough in answering my rather rudimentary questions, and displayed exceptional follow-up and follow through. Our current policy was set to expire shortly and with a hectic work week I lost track of the fast approaching, looming expiration date. Ileana contacted me just to remind me of the deadline - not just to promote purchasing a policy through Cornerstone. That kind of customer service is something I seldom experience - especially in a field as complicated and competitive as insurance. I did seek other quotes from other companies, just for comparison, and no other company was able to offer me anything comparable to Cornerstone.Their detailed, personal attentiveness is unrivaled. Cornerstone Insurance, furthered by agents like Ileana Zumbado, has earned my highest esteem. I will never search for another insurance company again. Ileana's commitment and competence demonstrated that they are an extremely reliable and reputable company, deserving of my utmost trust and continued business. Thank you to all of Cornerstone, and especially Ileana, for your tremendous assistance and undeniable expertise.read more
Meghan D.
Meghan D.
17:21 19 Jun 21
I worked with Ileana Zumbado on my Homeowners and Flood Insurance. She is a pleasure to work with and I would highly recommend her. Very glad she's my agent.
Elizabeth B.
Elizabeth B.
17:10 03 Jun 21
As I was shopping around for a better rate on homeowners insurance I contacted Cornerstone Insurance. Kelly began searching for policies that were similar to my current one, but at a better rate. Within a day she presented me with several options. I now have a better policy with a lower premium. The staff was most helpful and professional. I would... certainly use them again.read more
Liz B.
Liz B.
23:38 02 Jun 21
We have used Cornerstone Insurance for all our coverages, and for other family members as well. Professional and courteous staff provided excellent customer service. Our agent Ileana is fantastic. Highly recommend Cornerstone for all your insurance needs.
Michael K.
Michael K.
09:44 13 May 21

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