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 Progressive, Safeco and Markel insurance companies to provide the best variety of options when it comes to watercraft (jet ski, sailboat, yacht & boat) insurance to Tampa area residents.

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.

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Boat insurance Tampa - group on sailboat

Does my homeowner’s insurance or car insurance cover my boat?

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 car insurance does cover your boat, it is only when your boat is on the trailer and being towed by your car.  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.

Why Cornerstone?

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Experience the Cornerstone Difference

Cornerstone Insurance is a family-owned and operated business that understands the unique needs of Tampa area residents and can provide the exact coverage that you need.  Many agents only represent one insurer, but at Cornerstone Insurance, we work with several insurance plans and will compare rates and coverage to find the best plan for you and your family.  We pride ourselves in our outstanding customer service and local agents to give you excellent personal service when shopping for your watercraft insurance.

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