Progressive Boat Insurance Reviews

Are you looking for boat insurance that provides comprehensive coverage and affordable rates? Look no further than Progressive Boat Insurance. Whether you’re an avid boater or just starting out, it’s important to have the right protection in case of accidents or damages.

In this article, we’ll provide a complete review of Progressive Boat Insurance, including what they cover, how much it costs, their pros and cons, and more. So sit back, relax and let us guide you through everything you need to know about one of the top boat insurers on the market today!

What is Progressive Boat Insurance?

Progressive Boat Insurance is one of the leading providers of boat insurance in the United States. The company offers a wide range of policies that are tailored to meet the needs of boaters, whether they own a small fishing boat or a luxury yacht.

One unique feature of Progressive Boat Insurance is their “Total Loss Replacement” policy. This means that if your boat is totaled within its first five model years, and you’re the original owner, Progressive will replace it with a brand new one – no depreciation taken into account.

Another notable aspect is their 24/7 claims service, which allows customers to report an accident at any time from anywhere. Additionally, they offer flexible payment options such as monthly installments and automatic payments.

Progressive also provides coverage for bodily injury liability, property damage liability and collision damage to your watercraft. Boaters can choose additional coverage for things like fuel spillage cleanup or personal effects protection.

Progressive Boat Insurance offers comprehensive coverage options for boaters along with innovative features and excellent customer service.

What Does Progressive Boat Insurance Cover?

Progressive Boat Insurance offers comprehensive coverage for a variety of watercraft, including boats, yachts, jet skis and more. The policy covers damages caused by natural disasters such as storms and hurricanes, as well as accidents like collisions with other boats or stationary objects.

The coverage also includes bodily injury liability which protects you in case someone is injured on your boat due to your negligence. Property damage liability covers any damages that you may cause to another person’s property while operating your boat.

In addition to the standard coverage options, Progressive Boat Insurance also offers optional add-ons such as personal effects coverage which provides protection for lost or damaged personal items while onboard. Another optional add-on is towing and labor coverage which pays for the cost of towing your boat if it breaks down on the water.

Progressive Boat Insurance provides excellent coverage options that are tailored to meet the unique needs of boaters. It’s important to read through all the terms and conditions carefully before choosing a policy so that you fully understand what is covered under each plan.

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How Much Does Progressive Boat Insurance Cost?

The cost of Progressive Boat Insurance depends on various factors, such as the type and size of your boat, where you live, your boating experience, and your desired coverage. Generally, insuring a small boat can cost as low as $100 per year. However, if you own a high-performance speedboat or yacht that is worth millions of dollars, expect to pay more for insurance.

The deductible amount also affects the cost of the plan. The higher the deductible amount you choose to pay out-of-pocket in case of an accident or damage claim, the lower your insurance premiums will be.

Another factor that affects pricing is whether you opt for additional coverage options like roadside assistance or personal property protection. These extra services increase your overall policy expense but provide greater peace of mind when operating out on the water.

To get an accurate quote for Progressive Boat Insurance costs visit their website or talk with one of their agents directly over the phone. They will consider all relevant information based on individual needs and offer competitive pricing so customers can have confidence in enjoying time spent aboard without breaking their budget.

What Are the Pros and Cons of Progressive Boat Insurance?

When it comes to insuring your boat, there are some pros and cons to consider before choosing an insurer. Here are some advantages and drawbacks of Progressive Boat Insurance.


Firstly, one of the most significant benefits is that the company offers multiple coverage options for various types of boats. They offer liability insurance, collision coverage, comprehensive coverage that includes theft or vandalism protection. Additionally, their policies can cover watercraft accessories like anchors or personal items on board.

Secondly, another advantage is their competitive pricing compared with other insurers. With discounts available for boaters who bundle their boat insurance with auto or home policies from Progressive.

Thirdly, they provide excellent customer service through a 24/7 helpline where policyholders can receive assistance in case of emergency situations like accidents or breakdowns while out on the water.


One potential drawback is that not all states have access to all types of coverages offered by Progressive Boat Insurance. Make sure to check what covers you’re eligible for in your area before signing up.

Another con may be that they do not offer agreed-value policies which could leave policyholders underinsured if their vessel depreciates over time due to damage or wear and tear.

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How Does Progressive Boat Insurance Compare to Other Insurers?

When it comes to boat insurance, there are many options available in the market. However, Progressive Boat Insurance stands out from the crowd with its comprehensive coverage and competitive rates.

Compared to other insurers, Progressive offers a wide range of coverage options that can be customized based on your specific needs. They cover everything from liability insurance to damage caused by natural disasters or accidents.

Unlike some other insurance providers who may limit their coverage areas or offer minimal protection, Progressive has flexible plans that ensure you’re always covered no matter where you go boating.

In terms of pricing, Progressive’s rates are highly competitive when compared to other top-rated insurers in the industry. Plus, they offer various discounts for safe boaters and multi-policy holders which could help lower your premium costs even further.

If you want a reliable and affordable boat insurance provider with great customer service and an excellent track record – then look no further than Progressive Boat Insurance!

Is Progressive Boat Insurance Worth It?

If you’re wondering whether Progressive Boat Insurance is worth it, the answer depends on your individual circumstances. If you own a boat or personal watercraft and want to protect yourself against potential accidents, theft or damage, then it may be worth considering.

One benefit of Progressive Boat Insurance is that they offer customizable coverage options to fit your specific needs. This means you can choose the level of protection that’s right for you without paying for unnecessary coverage.

Another advantage of going with Progressive is their 24/7 claims service and exceptional customer support. They also offer a variety of discounts such as multi-policy, boating safety course completion and more.

Of course, no insurance policy is perfect and there may be some downsides to consider. For example, some customers have reported higher premiums compared to other insurers in certain areas. Additionally, if you only use your boat occasionally or during certain seasons, the cost may not justify having year-round coverage.

Ultimately, whether Progressive Boat Insurance is worth it will depend on your unique situation and preferences. It’s important to shop around and compare policies from different providers before making a decision.

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How To Get the Best Deal on Progressive Boat Insurance

Getting the best deal on Progressive Boat Insurance requires some effort and research, but it can save you money in the long run. The first step is to evaluate your needs and budget. Determine how much coverage you need for your boat and what deductible amount works for you.

Next, compare quotes from different insurers. Look beyond just the price; consider the level of customer service, claims processing speed, and reputation of each company. You can use online comparison tools or work with an independent insurance agent to get multiple quotes.

Be sure to review your policy annually as things may change that could impact your premium such as adding or removing equipment from your boat etc.

By following these steps listed above and comparing various options available in terms of both price and benefits offered by insurers like Progressive Boat Insurance Company – one will be able to make informed decisions about their insurance needs without compromising quality coverage at reasonable prices!


After examining the ins and outs of Progressive Boat Insurance, it’s evident that this insurer provides a comprehensive range of coverage options at competitive prices. With the option to bundle boat insurance with other policies, such as car or home insurance, customers have the opportunity to save even more money.

Progressive also offers valuable discounts for safe boating practices and loyalty rewards. While there may be some limitations in certain areas, overall Progressive Boat Insurance is a solid choice for boat owners looking for reliable coverage.

When considering whether or not Progressive Boat Insurance is worth it for you, take into account your individual needs and budget. It’s always wise to do your research and compare quotes from multiple insurers before making a decision.

In summary, if you’re in search of an affordable yet effective boat insurance policy with flexible options and added benefits, then Progressive Boat Insurance might just be right up your alley!