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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.

Trusted Choice independent insurance agency in Florida
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

Switch with Ease

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

Excellent
Cornerstone Insurance Inc.4.9
Based on 590 reviews
See all reviews
erica garland
5 days ago
Very fast response and great rates. James Bonn was great to work with and explained everything so easily.
erica garland
5 days ago
Very fast response and great rates. James Bonn was great to work with and explained everything so easily.
Jason Vorbeck
6 days ago
Shopping for homeowners insurance in Florida can be a frustrating process, in conjunction with the inevitable sticker shock we Floridians must endure. Give Laura Litchy a call! She is pleasant and responsive! She actually makes you feel like she is interested in working with you. Leave the faceless web brokers and enjoy classic customer service, you will be happy you did.
Jason Vorbeck
6 days ago
Shopping for homeowners insurance in Florida can be a frustrating process, in conjunction with the inevitable sticker shock we Floridians must endure. Give Laura Litchy a call! She is pleasant and responsive! She actually makes you feel like she is interested in working with you. Leave the faceless web brokers and enjoy classic customer service, you will be happy you did.
Debbie Correll
2 weeks ago
Excellent Service from James and Claire. The entire process was quick, smooth, and seamless. Thank you!
Debbie Correll
2 weeks ago
Excellent Service from James and Claire. The entire process was quick, smooth, and seamless. Thank you!
Paul Hillier
3 weeks ago
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Paul Hillier
3 weeks ago
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Robert S
3 weeks ago
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Robert S
3 weeks ago
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Oscar Zuluaga
3 weeks ago
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
Oscar Zuluaga
3 weeks ago
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
Kayla Karpp
3 weeks ago
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
Kayla Karpp
3 weeks ago
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
MB
4 weeks ago
Just wanted to share that working with Laura Litchy was great. I moved both our car and home insurance over to them and saved thousands a year with our new plans.
READ MORE REVIEWS

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:

erica G.
Very fast response and great rates. James Bonn was great to work with and explained everything so easily.
Bob L.
Jason V.
Shopping for homeowners insurance in Florida can be a frustrating process, in conjunction with the inevitable sticker shock we Floridians must endure. Give Laura Litchy a call! She is pleasant and responsive! She actually makes you feel like she is interested in working with you. Leave the faceless web brokers and enjoy classic customer service, you will be happy you did.
leonard S.
Debbie C.
Excellent Service from James and Claire. The entire process was quick, smooth, and seamless. Thank you!
Paul H.
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Robert S.
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Oscar Z.
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
Kayla K.
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
MB
Just wanted to share that working with Laura Litchy was great. I moved both our car and home insurance over to them and saved thousands a year with our new plans.
janet K.
Excellent customer service. Thank you Kyle
Quinn H.
Highly recommend! James Bonn saved me a bunch of money on my home insurance!
Jenny R.
James Bonn went above and beyond getting insurance for me, twice. Very nice people. Easy to work with.
Marie M.
Keri was so informative! She helped me to understand the process getting home owners insurance in Florida, since we are leaving NY for Florida. Hopefully I get to speak with her again.
Kathy D.
Ellis K.
Agent James Bonn was very helpful in getting Tower Hill home insurance on time when I had a short time period before my current insurance expired. He was with me all the way through until I was connected to my new service.
Erich K.
👋😎 thank you Laura L. 🤙
Raina R.
Worked with Joshua on a new policy due to current policy being non renewed (good ole Florida home insurance). Joshua was beyond patient, kind, very informative, and overall a great person to work with! I beyond appreciate his knowledge and guidance where we issued a policy that was just what I was looking for: good coverage with beyond high premiums). I would absolutely refer any and everyone to Joshua and his team when looking for FL Home Insurance!!
Tim
Customer service is as good as it gets!
Jean M.
Very helpful in giving different options when our current insurance would not renew. Sent several different policies that we could review. Very quick to responding to any questions. James Bonn was very easy to work with and very responsive. Would recommend to anyone looking to insure.
Maggie N.
My experience with James and his team was nothing short of wonderful. He explained everything in great detail and answered all questions I had. Very quick to respond and slways very courteous. Thank you!
maria W.
Kari answered the phone!! She is very knowledgeable and very pro-active. She knew what I needed and answered all my questions. This process was very smooth:)
Mike B.
Shayne T.
I had for a 4 point inspection and wind mitigation done. They approved the policy. My house insurance goes through my mortgage holder. So Tower Hill got paid through them, and I cancelled my old insurance carrier. Then after about a month and a half, I get a cancellation notice. They sent their own inspector in and reported a couple shingles were missing and a piece of soffit square was missing and rust on a decorative post on my porch. My roof was over 10 years old, so I quickly got the roof replaced and took care of the other issues as well before the cancellation deadline. They worked with me and not only did they keep the policy from getting cancelled, my premium is now lower because of the new roof.
Onell S.
They have the best customer attention i have seen, quick replies to emails and following up on issues. highly recommend the team at cornerstone