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Boat/Watercraft Insurance 
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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