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An Umbrella Insurance Plan Made Just For You
Get the coverage you need for your assets at a price you can afford.
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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.

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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.

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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.

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Here's What Our Clients Have to Say

5.0
Based on 292 reviews
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4.8
Based on 21 reviews
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5.0
Based on 7 reviews
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17:27 03 Aug 22
Great company, Great investors, it's only when a company serves its investors with truthfulness and reliability that it may produce great investors. This awesome company has been making thousands of people millionaires every year according to the company's info. At first, I doubted, but at a point, I decided to give them a trial, and here I am now... sharing my testimony. You too can benefit from this same company from anywhere around the world, you only have to contact one of the company managers person like Mr. Ethan Payne to help you grow your investment capital within a week,
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Email: [email protected]
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Grace Akilimali S.
Grace Akilimali S.
11:54 02 Aug 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
Alex Lewis I.
Alex Lewis I.
17:11 08 Jun 22
I’m so glad I found this Insurance company! Kelly Hoffman was so helpful. Before finding Kelly I called and filled out so many forms to get a quote with no response. I needed to buy my policy by today and Kelly made it possible. Called this morning and she worked hard to get me insured by this afternoon! Highly recommend her! Thank you for being... so efficient!read more
Mayerlen G.
Mayerlen G.
21:49 06 Jun 22
We had a great experience getting a new insurance policy with Josh. He did a really nice job explaining everything well and we were so pleased with his level of service. The process was very timely and smooth. We would highly recommend Josh and Cornerstone!
Kelly S.
Kelly S.
04:44 12 May 22
Emily Alison was an absolute pleasure to deal with and navigated us every step of the way with the investing and earning weekly profits on crypto .Emily Alison my most joy is that I have finally found the expert trader to trust with my money and invest with, I really appreciate, your honesty, hard work, I found you almost at the point of giving... up on trading I made $12,000 within a week by trading with her. She is the best in her feild because her trading techniques is 100% Would highly recommend her services to anyone planning to join the crypto world. Whatsapp:+1(434) 373‑2110 or Email: [email protected]read more
Karabo K.
Karabo K.
04:29 06 May 22
I recently had the pleasure of working with Kelley Hoffman to see if I could obtain any cost Savings with my current auto policy. I was pleased to find out that Kelly not only saved me some premium dollars, but was able to also lower my deductible. I am also now locked into a 12-month policy as opposed to the typical 6 month policy that many... insurance companies use. And you know after six months the price will go up. I found Kelly to be extremely professional, responsive, and knowledgeable. Within 24 hours she had my quotes completed and finalized. I would highly recommend Cornerstone and working with Kelley Hoffman.read more
Jim R.
Jim R.
08:21 04 May 22
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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.

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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

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