Boat & Personal Watercraft Insurance


The Progressive Group of Insurance Companies has been insuring boaters for more than 35 years. With over 1 million watercraft insured, we're one of the nation's leading boat insurers. With Progressive Insurance, you can offer your customers a comprehensive boat policy with specialized coverages and competitive prices.


Broad Acceptance

Progressive provides coverage for watercraft up to 50 feet in length and $500,000 in value. This includes a wide variety of watercraft, ranging from fishing boats, runabouts, and personal watercraft to sailboats, cabin cruisers and pontoon boats.

*Not available on all watercraft and in all locations.

Specialized Coverages


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


  • Total Loss Replacement — replaces insured's boat with a brand new one of similar make and quality

  • Disappearing Deductibles — reduces the deductible by 25 percent at each claim free renewal

  • Sign & Glide® coverage — Help comes to your customer if they're stranded on the water and need fuel, a jump, or tow with no out-of-pocket costs!

  • Propulsion Plus® coverage — provides coverage for the lower units of outboard motors, and the upper and lower units of an inboard/outboard motors in the event of a mechanical breakdown, including those caused by wear and tear

  • Trailer Trip Interruption coverage — pays for meals, transportation, & lodging if you have a trailer or tow vehicle breakdown.

  • Hurricane H


aul Out coverage — reimburses the customer 50 percent of the cost incurred to haul out their boat due to a named storm

  • Replacement Cost Fishing Equipment — up to $10,000 for tackle, rods, and reels

  • Replacement Cost Personal Effects — protects the insured's personal items including cameras, clothes, cell phones, etc.

  • 24-hour Roadside Assistance — covers trailer and tow vehicle, even if tow vehicle is not insured wit


h Progressive Insurance

  • Wreckage Removal coverage — Pays for any attempted raising, removal or destruction of the wreckage

  • Fuel Spill Liability — Coverage for unintentional oil or fuel spills that result in bodily injury or property damage

  • Medical Payments — includes coverage for water-skiers

Competitive Rates

Customers can ben


efit from our numerous product features and money saving discounts, including:


  • Advance Quote

  • Homeowner

  • Multi Policy

  • Multi Boat



  • Original Owner

  • Electronic Funds Transfer (EFT)

  • Responsible Driver

  • Safety Course


  • Transfer

  • Claim Free Renewal

  • Paid in Full

  • Prompt Payment



  • Small Claim Forgiveness

  • No depreciation on partial losses

  • Large accident forgiveness

  • Remember, there's no limit to the number of discounts a customer can receive, so your customers can keep


adding on the savings!





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