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 303 reviews

Jaime M.

16:21 16 Mar 23

Hello. Would like to saymy agent Gina McNairy is very knowledgeable and found me what I needed also a great person to talk to I give her a 10 thanks Jamie Mojica

Alan M.

20:56 06 Mar 23

I am a new client and couldn't be happier than to have found Cornerstone! James was excellent at getting me the best home rate I have seen and the process was completely smooth. They earned my business in every way and will continue to get it.

Willie G.

17:52 02 Feb 23

Gina McNairy made getting homeowners insurance a straightforward and simple process. She kept me updated throughout the process, set expectations on what's next and was very personable!

Julie F.

21:50 24 Jan 23

Pammie is a pleasure to work with, she was instrumental in getting us the best deal possible with minimum fuss. Very knowledgeable and extremely helpful- thank you, Pammie, for making insurance shopping an actual pleasure!

Timothy C.

00:36 17 Jan 23

I recently contacted Cornerstone after my insurance company tripled my Homeowner's Insurance policy without me ever making a claim. Gina McNairy provided excellent service and found a carrier with an equivalent policy that was half the cost. Thank you to the Cornerstone team for friendly and responsive service.

pat P.

21:06 11 Jan 23

Joshua was so helpful in getting us a homeowner policy after our previous insurance company cancelled us.

Nancy M

18:46 08 Dec 22

Gina McNairy is a pleasure to work with, she is a knowledgeable agent and genuinely helps to get you the best possible insurance at a reasonable price.

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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: