- 2600 Michelson Dr. Suite 1400 Irvine, CA 92612
- info@fnisc.com
- +1 800-745-5866
Buy boat insurance online.
What boat insurance covers
Insure your boat against damage and loss caused by common risks, such as sinking, fire, storms, theft, and collision. The property usually covers the boat hull, boat motor(s), described boat equipment and the boat trailer if requested.
Call us to get a Quote 24/7
Fax: 800.753.0569
Know the value of your belongings.
Types of Perils We Insure Against
- Sinking
- Fire
- Theft
- Storms
- Collision
- Capsizing
- Explosion
- Stranding
Property Coverage Examples
- Boat, motor, trailer
- Equipment permanently attached to the boat
- Anchors
- Electric trolling motors
- Oars
- Extra fuel tanks
- Tools
- Detachable canopies
- Seat cushions
- Stranding
- Ski and their tow ropes
- Dinghies
Types of Boats Insured
FNISC offers boat insurance for multiple water-going types.
- Runabout/sport boats
- Cruiser/yachts
- Sailboats
- Bass/fishing boats
- Jet skis
- Houseboats
- Kayak/canoes
Boat Liability Insurance Coverage
If your boat causes injury to others or damage to other boats, docks, or structures, boat liability insurance has you covered. Injury or damage can be due to direct contact with your vessel or situations caused by your vessel, like large wakes. Boat liability coverage may provide protection against lawsuits, including the payment of settlements and legal fees.
Additional Coverages
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.
Emergency Service
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.
Temporary Repairs
If damage is caused by a loss insured, we cover reasonable repairs incurred to protect covered property from further damage.
Wreck Removal
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.
Optional Coverages
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 thatâs covered by your insurance policy, Boat Rental Reimbursement will help pay the cost to rent a boat. Youâll 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 youâre 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.