Protect your boat with FNISC.
Buy boat insurance online.
What boat insurance covers
Know the value of your belongings.
Types of Perils We Insure Against
Property Coverage Examples
- Boat, motor, trailer
- Equipment permanently attached to the boat
- Electric trolling motors
- Extra fuel tanks
- Detachable canopies
- Seat cushions
- Ski and their tow ropes
Types of Boats Insured
FNISC offers boat insurance for multiple water-going types.
- Runabout/sport boats
- Bass/fishing boats
- Jet skis
Boat Liability Insurance Coverage
Additional coverages are automatically included in your base contract. If you have questions or other insurance needs, contact FNISC to find out what options are available to you.
Newly Acquired Boat
Covers your newly acquired watercraft for damage caused by an insured loss, subject to policy conditions.
Pays up to a certain amount for reasonable costs that you incur resulting from specified emergency service to your boat, motor, or boat trailer. Please reference your policy for details.
If damage is caused by a loss insured, we cover reasonable repairs incurred to protect covered property from further damage.
Pays the reasonable expense you incur for any attempted or actual raising, removal, or destruction of the wreck of your boat when damage is caused by an insured loss and removal or destruction is required by law.
Learn what new optional coverage endorsements are available in your area.
Boat Rental Liability
Provides you with peace of mind that you have proper liability insurance when driving a rental boat on a short-term basis, such as a vacation.
Boat Rental Reimbursement and Liability
If your boat is being repaired because of damage that’s covered by your insurance policy, Boat Rental Reimbursement will help pay the cost to rent a boat. You’ll also have the proper liability insurance while driving the rental.
Incidental Commercial Fishing
Extends your property and liability insurance if your boat is used for incidental commercial fishing. Business liability is limited to watercraft liability.
Boat Rented to Others
The Boat Rented to Others endorsement can help pay for property damage, injury and liability claims made against you if your boat is in an accident when rented to others.
Fishing Tournament Fee Reimbursement
If you’re unable to participate in a fishing tournament due to a covered loss to the boat, an auto accident involving the towing vehicle en route, or a family emergency, the Fishing Tournament Fee Reimbursement endorsement will reimburse you for non-refundable entry fees.
Uninsured/Underinsured Watercraft Coverage
Uninsured watercraft insurance helps pay your medical expenses if you’re in an accident caused by an owner or operator who doesn’t have boat liability insurance or has inadequate liability coverage limits.