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

4.8
Based on 16 reviews
5.0
Based on 6 reviews
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
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
I purchased an older Home in Odessa, and needed Home owners insurance in a time sensitive situation.After contacting National companies online with zero luck, and trying 2 other local Tampa companies,I was lucky enough to find Cornerstone in Odessa. Gina McNairy truly worked very hard for me, and went above and beyond, to secure my homeowners... policy. She is a [email protected] expert, lives in the area, and understands our weather , and other obstacles we have to contend with insuring our homes here in Florida. Her knowledge and expertise worked for me, and I now have a new insurance agent. She will be youre advocate , save you money, and get things done. Gina and cornerstone are excellent, I will work with them for years to come.read more
Steve S.
Steve S.
00:24 27 Apr 22
Gina and the staff at Cornerstone were extremely helpful. Efficient communication via both email and phone made the process go smoothly.
David M.
David M.
15:11 14 Apr 22
Interacted with Iliana, she was helpful, responsive, and willing to walk me through many parts of insurance I didn't understand. Would highly recommend.
Keith L.
Keith L.
19:48 01 Apr 22
Gina McNairy is the best! She has really helped us with getting our insurance needs sorted quickly and efficiently! Highly recommended!
Mike C.
Mike C.
17:31 31 Mar 22
Gina was AWESOME!!! Her honesty and insight into the insurance industry was super helpful and saved me from making a big mistake when it came to my homeowners policy. Thank you Gina you ROCK 👍
Alan B.
Alan B.
16:42 30 Mar 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.

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