Progressive Boat Insurance

I was towing my boat with my truck when another driver crossed the center line nearly causing a head on collision. I was able to avoid the head on but the other driver hit my boat. Progressive totaled my boat and gave me a check for $8000.00. My boat cost $60,000 these days. The worst part is they wouldn't reimburse for everything that was on the boat like my Simrad, I pilot trolling motor, seadek, rod holders, on board chargers, etc. It gets better. They wouldn't let me have those things either. They said it's been deemed part of the vessel with no viable option of retrieval. So they won't pay me for those things or give them back. Isn't that theft?

Beware of Progressive boat insurance! Very deceitful. They will tell you your boat is covered from top to bottom and once you hand over your money and need the coverage that they say they offer they will start throwing exclusions at you. You also better make sure you have picture of you and boat on the boat or they will accuse you of fraud. If you still choose to go through progressive for your boat I would definitely go through their exclusions with a fine tooth comb prior to purchasing the insurance. Especially, the weather related issues because they have zones that they don't tell you about and if you are in that said zone they will deny your claim. I am sure this is how they have not paid out for many. Also, Propulsion Plus is a joke. Don't waste your money or time with this company. If I would have known better I would have went through a more reputable boat insurance company.

This is the worst experience EVER! I am so thankful I am not in need of immediate help. My car and jet ski got stuck in the mud. I called roadside assistance for help and now we are 3 hours in and nothing has been taken care of. Progressive is decent. I have 2 cars and a jet ski and trailer covered. I pay in full yearly. But yet when I go to use my roadside assistance I get the run around. The company they contract it out to are very ignorant and cannot figure out things. A Progressive representative has been on the phone with me and them for an hour and it still isn't going anywhere. This is such a hassle. It would be easier to not provide roadside assistance for customers.

Added propulsion plus coverage to my Progressive policy 6 months ago and they just paid the full amount to have the cone clutch and transom shift cable replaced in my 2017 Bravo 3 stern drive. This was a $1500 expense and Progressive paid the entire amount less my $250 deductible. Very pleased with the entire claims process and settlement.

I had Progressive full coverage on my boat when I hit a rock this summer with stern drive. I thought they would fix with oem parts — nope! Ended up being a fight the whole time. Avoid like the plague.

Their policy has so much fine print exclusions that your boat is not actually insured. I do not recommend. I had a horrible experience and would hate to see anyone else go through it. After years of payments when I needed coverage "Oh sorry that's an exclusion". Nothing was covered.

Our boat caught fire and I was waiting for the police and fire reports to say anything but here goes.... Someone threw a party 4 slips down and multiple people witnessed people from the party going to the boat. We do not have concrete evidence yet of how it started but my BBQ was moved so one would speculate.... I did not have personal coverage so I lost around $20,000 in scuba, spear and fishing gear on top of it all @progressive is fighting to pay the salvage bill after they were told it was going to sink....

Progressive issued the insurance and then cancelled it 2 months later because they didn’t understand custom built vessel HIN numbers. The vessel is a 39’ federally documented trawler which they also didn’t know how to look up in the US Coast Guard databases. Progressive refused to Try to understand the HIN numbers were legitimate and to top it off Progressive had insured the vessel for the previous owner. Stay away from these folks.

I added sign and glide to my policy 6 years ago. If something happens on the lake they will send help. Today I ran out of gas in the middle of the lake. When I called all they could do was tell me to call the police department. I can do that on my own. I don't need to pay them extra for that.

Owned a boat since 1992, never ever had a claim until this year. Bought a newer boat this year, had everything done we were supposed to prior to purchase, etc., out in lake and hit something which caused us to break a shaft and lose prop. Never once did adjuster come out to look at it, made his decision based on a cell phone picture. Unfortunately now we have to fight this and take to court. Isn’t this why we have insurance in the first place? Would never refer someone to Progressive. Awful experience.