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Look beyond your homeowners policy
Your boat may be too big or too expensive to be covered
through a homeowners policy. Progressive accepts boats up
to 50 feet long and up to $250,000 in value, and personal
watercraft up to 15 feet long and $27,000 in value. Even if
your boat is eligible for coverage under your homeowners
policy, you still may want specialized coverages that you
just can't get with a standard homeowners policy. |
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Consider specialized coverages
Coverages beyond the scope of a standard homeowners
policy include Roadside Assistance, where your boat is
towed for free as long as your trailer is covered;
On-Water Towing, in case you’re stranded on the water;
and Uninsured Boaters coverage. Progressive also offers
Fuel Spill Liability and Wreckage Removal. Without
these coverages, you may end up getting stuck with the
bill for cleanups and removals. Personal Effects and
Fishing Equipment coverages are also available. |
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If you travel, make sure your coverage goes with you
Some insurance companies limit where you can go with
your boat and still be covered, or they charge you extra
if you travel. With Progressive's boat policy, you can
follow the sun — you're covered at no extra charge in all
inland lakes, rivers and navigable waterways of the
Continental U.S. and Canada, including ocean waters
within 50 miles from the coast of the U.S. or Canada. |
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Think ahead to replacement costs
Unfortunately, boats, like cars, depreciate. A
homeowners policy will only pay you Actual Cash Value,
which could make it difficult to replace your boat if
it's destroyed. But with Progressive, you have that
option and more. With Total Loss Replacement, we
will replace your boat with a brand new model if the
loss is within the first five model years. We also offer
Agreed Value coverage no matter how old your boat is. |
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Look for loyalty rewards
Think about doing business with a company that values
its relationship with you and rewards you for sticking
around. At Progressive, at each claim-free renewal,
we decrease your deductible by 25 percent. The
Diminishing Deductibles feature comes standard at
no additional charge on Agreed Value and Total Loss
Replacement policies. |
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