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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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Boat and watercraft insurance in Tampa, Florida
The best carriers, real agents, and technology that makes it easy.

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.5.0
Based on 1244 reviews
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Simon Munoz Agudelo
3 hours ago
I didn’t think it was possible to get affordable home insurance in Florida, but Licensed Agent Joshua Gleaton was able to do that for me and my wife. It was very easy, quick and hassle free. Thank you so much Joshua 🙏🏼
Ann Stowell
22 hours ago
Shopping for insurance in Florida was certainly made easier with James Bonn of Cornerstone. I appreciate all the assistance he offered, should I need it, to complete the purchase of my homeowners policy.
Earl Vegafria
7 days ago
Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.
Anthony White
1 week ago
Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.
Ken Engel
1 week ago
I have had Cornerstone provide my homeowners insurance policies for many years. I am in the process of relocating and James Bonn has just provided me with a policy for my new location. He was friendly, polite, knowledgeable and gave me a great quote. I highly recommend that you give James a call for your insurance needs.
Ashley Galfond
2 weeks ago
Quick service. Responsive.
Isabel rodriguez
3 weeks ago
Thank you Laura for your outstanding service. A very affordable home insurance
Lins Mann
3 weeks ago
My husband and I have had a fantastic experience with Cornerstone Insurance. We've used them for both our home and auto insurance. We had the privilege of working with Joshua and Karen; both of them are awesome insurance agents. They were very prompt and kind in their responses and very helpful with any questions we had. Thank you for working with the Carroll family!
Jean defoy
3 weeks ago
Excellent service from Kari
Bill Hunter
4 weeks ago
My insurance agent is Kyle Wilson. There is none better!! He handles my personal insurance needs and I as a Realtor refer to him my Real Estate Clients. I consistently refer my clients to at least 2 if not 3 different agents for competitive quotes and each time they say to me that "Kyle" is the one who is the quickest to respond and that he really knows his profession. He is helpful and there for you when you need him. I would go to no other than Kyle for all of my insurance needs.
Ana Valenzuela
1 month ago
After weeks of frustration with my previous agency, I found James Bonn at Cornerstone and couldn't be happier. He got everything handled quickly and seamlessly, found me better coverage at a comparable premium, and had it all bound within 24 hours. He even coordinated with my lender and canceled my old policy. If you need homeowners insurance in Florida, call James. Highly recommend!
Jeremy Castellucci
1 month ago
Easy to work with and answered questions thoroughly. Highly recommend contacting this agency.
Scott Walk
2 months ago
We have used Kyle Wilson with Cornerstone Insurance in FL for our homeowners the past 2 years. He has provided excellent customer service for us so when we recently moved we had him quote us with an auto policy. His rates were much better than the other agents we requested quotes from so now have him covering everything for us. We appreciate his quick responses along with his professionalism.
Vanna Denham
2 months ago
Kari is super friendly and helpful. She shared information and helpful suggestions freely.
Gillian Amritt-Sirjoo
2 months ago
Excellent!
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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:

Ann S.
Shopping for insurance in Florida was certainly made easier with James Bonn of Cornerstone. I appreciate all the assistance he offered, should I need it, to complete the purchase of my homeowners policy.
TRACI W.
Earl V.
Kyle has really earned our trust and respect as our go to insurance agent for our home and autos. A true professional, and so far has not disappointed us offering the best and lowest quotes without sacrificing the quality of the product. Thank you Kyle for what you do for our insurance needs.
Anthony W.
Kevin with Cornerstone has been most responsive, knowledgeable, and easy to work with. I only wish I had engaged him sooner. He has saved us lots of time and money with our new homeowners policy.
Ken E.
I have had Cornerstone provide my homeowners insurance policies for many years. I am in the process of relocating and James Bonn has just provided me with a policy for my new location. He was friendly, polite, knowledgeable and gave me a great quote. I highly recommend that you give James a call for your insurance needs.