A Watercraft Insurance Plan Made Just For You

Get the coverage you need for your boat & jet skis at a price you can afford.

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.

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.

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.

Here's What Our Clients Have to Say

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.

Frequently Asked Questions About Watercraft & Boat Insurance

Is boat insurance required?

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.

Can my homeowner’s insurance or car insurance cover my boat, jet skis, etc?

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.

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

What other types of insurance do you offer?

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

Theresa M.

Hyung K.

James helped me get the right insurance I needed for closing in matter of few hours. Thank you for making this process so smooth.

Paola N.

After our homeowners carrier stopped writing business in Florida we found ourselves needing a new homeowners insurance policy in two days time. James Bonn with cornerstone came to our rescue! Getting us a policy set up with a very competitive rate within a couple hours. Would definitely recommend them for all your insurance needs.

Kleber S.

Cornerstone insurance and Gina McNairy have always provided outstanding service for my family homes and autos for more than a decade. Gina's always extremely helpful and always goes above and beyond to address my family's insurance needs. I very highly recommend Cornerstone Insurance and Gina McNairy for all of your insurance needs. They're a fantastic group!

Whitney G.

James did a great job helping us find a homeowners policy. He walked us through all of the options, answered all of our questions promptly, and helped us get a new policy that is a substantial savings for us.