An Umbrella Insurance Plan Made Just For You

Get the coverage you need for your assets at a price you can afford.

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.

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

Excellent

Cornerstone Insurance Inc.

Based on 553 reviews

See all reviews

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!

Judy B.

Great experience doing business with Cornerstone. They are very quick to respond and Kyle was very helpful. I only regret I didn’t switch my agent sooner. I highly recommend them.

S W

Gina is wonderful to work with. She went above and beyond to get us the lowest quote and quick turn around!

Audrey N.

Eric Bushey is my agent at Cornerstone Insurance Inc. We recently needed his help insuring our condo, he had us insured by the end of the day! The Cornerstone team made everything easy and painless.

Tumoyia B.

Cornerstone Insurance took the stress out of shopping for coverage. James Bonn made the whole process simple, answered every question with clear expertise, and was genuinely friendly throughout. He found me the best price without the headache.

Eddie C.

Josh Gleaton at Cornerstone did an outstanding job helping me find a new and very competitively priced homeowner's insurance policy. I'm a new client to Cornerstone and the service and follow-up I received from Josh was 5 Star! He did a great job explaining the coverage options and even contacted my mortgage company to notify them of the change. I would highly recommend you contact Josh for your insurance needs.

Mustafa P.

Eric Bushey is a rock star. Extremely prompt and great service!

Cheryl R.

Nina was very informative and helpful with my quote.

Margery R.

Josh provided excellent customer service. His response to my inquiry was fast and efficient. The whole process was a breeze. And he was able to find me a better rate on both my homeowners and car insurance.

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

How do I know if I need an umbrella policy?

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.

Who should I buy my umbrella policy from?

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.

Which umbrella insurance carriers do you work with?

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

What other types of insurance do you offer?

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