Why choose Progressive Boat Insurance?

  • 25 years experience icon

    More than 25 years experience insuring boaters

  • 95% of boats covered icon

    Can cover 95% of all boats on the water today

  • Specialized coverages icon

    Specialized coverages and competitive prices

Why Boat Insurance

The Progressive Group of Insurance Companies has been insuring boaters for more than 25 years. We’re America’s #1 insurer of personal watercraft and one of the nation’s leading boat insurers. With Progressive Insurance, you get a comprehensive boat program with specialized coverages and competitive prices.

About Boat Insurance

Progressive provides specialized insurance for boats. Our program can cover 95 percent of all boats on the water today including fishing boats, runabouts, personal watercraft and boats up to 50 feet in length and $250,000 in value*.

*In certain hurricane-prone coastal areas, coverage may be limited to boats not exceeding $175,000 in value and 35 feet in length.

Choosing Your Specialized Coverages

A homeowner’s endorsement won’t cover you like a Progressive Boat policy. We provide coverage for your specific needs with policy options like:

  • Total Loss Replacement – replaces your boat with a brand new one of similar make and quality
  • Disappearing Deductibles – reduces the deductible by 25 percent at each claim free renewal
  • Replacement Cost Fishing Equipment – up to $10,000 for tackle, rods, and reels
  • Replacement Cost Personal Effects – protects your personal items including cameras, clothes, cell phones, etc
  • 24-hour Roadside Assistance – covers trailer and tow vehicle, even if tow vehicle is not insured with Progressive Insurance
  • Emergency Towing and Labor – provides on-water towing service
  • Wreckage Removal Coverage
  • Property Damage Liability - includes coverage for fuel spill cleanup
  • Medical Payments - includes coverage for water-skiers

Competitive Rates

Progressive has great rates for newer boats, as well as married and mature operators. You can also benefit from our numerous money saving discounts, including:

  • Homeowner discount
  • Idle Assisted Steering discount
  • Multi-Policy discount
  • Multi-Boat discount
  • Original Owner discount
  • Responsible Driver discount
  • Safety Course discount
  • Transfer discount
  • Claim Free Renewal discount
  • Paid-In-Full discount
  • Prompt Payment discount
  • Small Claim Forgiveness

Superior 24/7 Claims and Customer Service

Our goal is to make insurance easy. Customers can access their policy information 24/7 on progressive.com. Customers also receive Progressive’s superior 24/7 claims service. Progressive’s claims representatives receive intensive training on specialty vehicles, such as boats, so they can handle your unique claims needs.