Google Rating
5.0
Based on 364 reviews
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A Watercraft Insurance Plan Made Just For You
Get the coverage you need for your boat & jet skis at a price you can afford.
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Everyone Deserves To Live Covered.™

A lot of people have watercraft or boat 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 coverage you need for your boat without overpaying.

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5-Star Tampa Boat Insurance Company

★★★★★

Looking for watercraft & boat insurance Tampa residents can count on? Cornerstone Insurance is here to help. We are a family-owned and operated Trusted Choice® independent personal lines insurance agency serving Floridians in Tampa, Orlando, Ocala, Jacksonville and many towns and cities in between.

We understand the unique needs of Tampa area residents and can provide the exact coverage that you need for your boat, yacht, jet skis or sailboat.  Many agents only represent one insurer, but at Cornerstone Insurance, we work with several of the top boat insurance carriers and will compare rates and coverage to find the best plan for you and your family.  Our local agents will give you excellent personal service when shopping for your watercraft insurance.

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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 watercraft 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

ExcellentCornerstone Insurance Inc.5.0★★★★★ Based on 365 reviews fromSee all reviewsMichael L.Michael L. ★★★★★ Eric Bushey was amazing! I had a lapse in coverage and Eric walked me through available options. He had great communication skills and was quick to respond to all my emails. This is how business should be conducted. Thank you!!!Griffin W.Griffin W. ★★★★★ Had a great experience working with Kyle Wilson in securing my home insurance policy. He was very knowledgeable and provided several creative scenarios that enabled me to personalize my policy to suit my needs and budget. Highly recommend.Colin C.Colin C. ★★★★★ Best agent you could ever ask for supper quick with responses and very knowledgeable also he was always looking out for our best interests. Thank you sincerely Colin CashDavid H.David H. ★★★★★ We worked with Gina to get insurance on our home. She helped us through the entire process and got us good insurance at a reasonable price. She was willing to go the extra mile to help us out. THANKS!!Gustavo G.Gustavo G. ★★★★★ First time using Cornerstone insurance for my homeowners,good experience so far.My agent E.Bushy was very helpful and helpful on all the steps needed for my enrollment.give him a call and I am sure,that you not registered.Jeanne L.Jeanne L. ★★★★★ Kyle Wilson was so helpful from the beginning to the end. I highly recommend him to anyone searching for any of their insurance needs.Silvino G.Silvino G. ★★★★★ I am very grateful and pleased with the level of service and care Mr. James Bonn took with finding a provider for me. He took time to explain the process and answered any questions I had. I will be sending referrals to him of my friends and family so they too can have an excellent experience.Kelly W.Kelly W. ★★★★★ I can’t say enough good things about the company, the response time and my agent, James Bonn. It was truly a grade A+ experience. The responsiveness, the attention to detail, as well as being thorough, went above and beyond my expectations. If you need an agent, absolutely reach out to James he was great. He made it so easy!Linda P.Linda P. ★★★★★ Josh Gleaton was very pleasant and helpful assisting me with all the steps needed to complete this insurance policy, overcoming a complication for me.Zafer U.Zafer U. ★★★★★ I recently had the pleasure of working with Kyle Wilson, a licensed agent at Cornerstone Insurance Inc., and I can't recommend him highly enough. From the moment we reached out, Kyle was incredibly responsive, answering our emails promptly and ensuring that all our queries were addressed efficiently.Not only did Kyle find us the best rates, but he also facilitated seamless communication between all parties involved. His expertise and guidance were instrumental in helping us navigate through the complexities of home, flood, and auto insurance, steering us in the right direction every step of the way.Kyle's thorough understanding of the insurance landscape and his commitment to his clients' needs were evident throughout our interactions. He went above and beyond to ensure we received comprehensive coverage that was perfectly tailored to our needs.For anyone in need of insurance assistance, Kyle Wilson at Cornerstone Insurance Inc. is your go-to professional. His exemplary service, coupled with his dedication to finding the best solutions for his clients, makes him an outstanding agent. We are immensely grateful for his help and would urge anyone looking for insurance to consider Kyle.Thank you, Kyle, for making what could have been a daunting process, smooth and straightforward. Your professionalism and kindness have not gone unnoticed.DeeDee ★★★★★ James Bonn offered an excellent service!He went above and beyond to help us get a quality coverage after our original policy had expired and we had a lapse in coverage, but he managed to get us back insured!Thank you James, you are amazing!Yanique M.Yanique M. ★★★★★ James Bonn is an absolute pleasure to work with. He is very thorough and provided detailed answers to my questions. I was ultimately impressed by his knowledge and ability to make the process smooth. I am so excited that I've found an agent that is passionate, personable and provides excellent service. Thank you, James!Zenaida N.Zenaida N. ★★★★★ Very pleased I worked with Eric Bushey . Answered all my questions was able to lower my policybob R.bob R. ★★★★★ Gina , was great to work with getting my new hurricane policy.stephen T.stephen T. ★★★★★ My home insurance renewal was going to be double next month so I looked up best insurance agents near me and called Cornerstone. My agent James was very informative, friendly and responsive and within a couple of hours he was able to help me save hundreds off of a new policy with a different company. I was very pleased with my experience and look forward to continuing using Cornerstone and James as my agentjs_loader
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The Importance of Watercraft Insurance

Tampa Bay is a fantastic area to own a boat, but if you are uninsured, you are running the risk of being stuck with the cost of any mishaps that might come your way.  Insuring your boat, yacht, sailboat, or jet ski is a great way to enjoy the Florida waters with peace of mind.  

Because there are many different types of watercraft, there are many different types of insurance policies available.  Cornerstone Insurance works with several of the top insurance carriers to provide the best variety of options when it comes to watercraft (jet ski, sailboat, yacht & boat) insurance to Tampa area residents.

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Frequently Asked Questions About Watercraft & Boat Insurance

Although Florida law does not require a boat owner to carry insurance on their watercraft, there are some situations that may require you to be insured.  For example, if you took out a loan to buy your boat, the lender is likely to make insurance a mandatory condition of the loan.  Also, if the boat is kept at a marina or boatyard, it is also likely that it will need to be insured.  Either way, it is a smart choice to make sure your property is protected against any mishaps while on the water.  You don’t want to be caught with the expensive repairs to either your boat/watercraft, or someone else’s, in the event of an accident.  Remember that registering your boat, yacht, sailboat, or jet ski is required in Florida and can be done at your county tax collector’s office.

Most homeowner insurance policies do not cover your watercraft, and if they do, it is only a small amount (usually $1,000-$1,500).  Boats require separate insurance because they run the risk of different damages than homes do. 

And while your auto insurance does cover your boat, it is only when your boat is on the trailer and being towed by your vehicle.  Any other time, your boat runs the risk of costing you a great deal of money if it is uninsured, so it is advisable to make sure that you are covered in all circumstances.  In the event of a watercraft accident, make sure that you are protected against the liability of any damages to your boat or someone else’s.

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 Watercraft insurance carriers, including American Integrity Insurance and Progressive Insurance.

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

Michael L.
Michael L.
Eric Bushey was amazing! I had a lapse in coverage and Eric walked me through available options. He had great communication skills and was quick to respond to all my emails. This is how business should be conducted. Thank you!!!
Griffin W.
Griffin W.
Had a great experience working with Kyle Wilson in securing my home insurance policy. He was very knowledgeable and provided several creative scenarios that enabled me to personalize my policy to suit my needs and budget. Highly recommend.
Colin C.
Colin C.
Best agent you could ever ask for supper quick with responses and very knowledgeable also he was always looking out for our best interests. Thank you sincerely Colin Cash
David H.
David H.
We worked with Gina to get insurance on our home. She helped us through the entire process and got us good insurance at a reasonable price. She was willing to go the extra mile to help us out. THANKS!!
Gustavo G.
Gustavo G.
First time using Cornerstone insurance for my homeowners,good experience so far.My agent E.Bushy was very helpful and helpful on all the steps needed for my enrollment.give him a call and I am sure,that you not registered.
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