Cornerstone Insurance Inc.
Agency overview
About Cornerstone Insurance Inc.
Cornerstone Insurance Inc. is a family-owned independent personal-lines agency headquartered in Odessa, Florida, serving households across all 67 counties. Licensed agents combine statewide service with comparative rating technology, secure policy sharing, and one-entry quote requests. Its operating model centers on comparing multiple carriers and explaining trade-offs rather than representing a single insurer.
At a glance
Agency highlights
Statewide Florida Service
Serves every Florida county through a team of licensed agents.
Broad Market Access
Compares 20+ homeowners carriers and 25+ personal-lines carriers.
Established Agency
Has operated as an independent Florida agency since 2009.
Shopper fit
Why shoppers might consider Cornerstone Insurance Inc.
The agency may fit Florida households seeking one licensed team to compare independent-market options, explain property underwriting factors, and revisit placement as carrier appetite changes. Its statewide model also suits customers who prefer remote policy sharing and a single quote intake process.
Agency support
How this agency can help
Compare Quotes
Request side-by-side quotes from multiple carriers through one application.
Review Inspections
Share wind-mitigation and four-point reports for documentation guidance.
Evaluate Deductibles
Discuss hurricane and roof deductible trade-offs with a licensed agent.
Re-shop at Renewal
Compare available markets again when rates, eligibility, or carrier appetite changes.
Demonstrated specialties
Where this agency stands out
Florida Flood Market Comparison
Cornerstone compares more than ten flood markets, including admitted and surplus-lines carriers alongside the NFIP. Agents can evaluate private and federal placement paths for a specific property, including situations where a qualifying private policy may support a mortgage closing.
Florida Property Underwriting
The agency demonstrates detailed work with wind-mitigation documentation, four-point inspections, roof age, rebuild values, and carrier eligibility. Its guidance addresses how Florida homes can receive different underwriting outcomes across carriers, particularly when construction age or roof condition narrows the market.
Insurance offered
Coverages
Auto insurance
Boat insurance
Collector specialized roadside or repair support
Commercial auto
Condo insurance
Equine and horse owner liability insurance
Flood insurance
Golf cart insurance
Homeowners insurance
Motorcycle insurance
Recreational vehicle insurance
Renters insurance
Roadside assistance
Special event insurance
Umbrella insurance
Vacant dwelling insurance
Valuable articles
Wind and hail insurance
Who this agency serves
Clients and risks served
Classic, collector and exotic vehicles
Coastal homes
High-value homes
Landlords and real estate investors
Manufactured and mobile homes
Manufacturing and distribution
Older homes
Roofing contractors
Secondary and vacation homes
Short-term rentals
How the agency can help
Services
Collector vehicle usage and mileage guidance
Four-point inspection guidance
Hurricane deductible guidance
Roof underwriting guidance
Wind mitigation guidance
Where coverage may be placed
Placement options
Admitted-market access
Citizens Property Insurance
Agreed-value collector coverage
Excess and surplus lines
Extended or guaranteed replacement cost
NFIP
Private flood
Private wind
Specialty market access
