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

Cornerstone Insurance Inc.

5.0

Based on 296 reviews

Miriam B.

19:29 18 Nov 22

Joshua is very patient and quick! Made this transition effortlessly.

BeachBabeSanDiego

14:07 22 Oct 22

As a recent arrival to Florida, I really appreciate the way that Gina McNairy took me under her wing, telling me what I needed to know about insurance in Florida, and setting up the coverages that I needed.

Cynthia B.

12:31 20 Oct 22

Great service, quick to respond and worked diligently to find the right homeowner insurance and car insurance for my needs.

Vanessa W.

16:04 12 Oct 22

Great and efficient service. Fully recommend Cornerstone Insurance!

J P

17:15 09 Sep 22

Excellent service! Repeat customer and I'm grateful for Gina's expert knowledge and assistance. Highly recommend.

Anastasia P.

15:59 08 Sep 22

We have been with Cornerstone for about 11 years and have always been happy. Recently we made changes to our policies and had some specific in depth and not commonly asked questions. Kelley and Josh were extremely helpful and went above and beyond to make sure we understood our exact coverages. They deal with reputable carriers and care about... their clients. Pam was and has been so responsive and kind over the years as well. I would (and have!) highly recommend this agency to anyone in the market. Icing on the cake was that they save our family about $1800/year on our insurance premiums!read more

Alex Lewis I.

17:11 08 Jun 22

I have worked with Cornerstone for a number of years and I’ve never been disappointed… this year has been no exception. As most people, I blindly just pay my insurance renewals without question and this year with all that is happening in the insurance world in Florida finding a company is challenge enough let alone focus on the cost. Having... someone on your side like Pammi Bussey fighting for every dollar, you can rest easy.Thanks to Pammi, not only did we secure a policy but she noticed an error in the insurance carrier’s assessment of our property which resulted in a lower premium as well as refunds from the previous years!This is the type of service you rarely see in the insurance business and I’m glad that I’m working with Cornerstone!read more

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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

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:

What other types of insurance do you offer?

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