Progressive Boat Insurance Reviews

Within a day of filing a claim for a damaged sonar unit, an adjuster called me to validate the claim. A week later another adjuster examined my boat and issued a payment to replace the sonar. They were friendly, attentive to my description of the damage, and they were professional in their responsiveness to my claim. I was very impressed and satisfied.

Not worth the money you spend! Adjusters attempt to minimize claims, recommend patches instead of fixes, dispute certified mechanic recommendations and reply with the classic "that's all we can do" when challenged. Progressive epitomizes the insurance stereotype of maximizing premiums and minimizing claim reimbursement. If you're in the market for boat insurance, look elsewhere!

Had two claims this summer. First something went out in my lower unit and would not go into forward gear. The claim went fast, and effortlessly on my part. Couple weeks later I hit a sandbags and messed things up. Again fast easy claim. Got my check and boat fixed quickly.

Truly regret purchasing Progressive Insurance for my boats. Have used Progressive since 2020 for two boats and not had to make a claim until a month ago. Someone without insurance rear ended my boat which I was towing, did major damage including shearing the 250hp engine clean off the back of the boat. Between trailer damage, boat damage and of course the motor should be totaled. Have been battling Progressive for a month now with their delay tactics; very typical of the BAD insurance companies. Bottom line is they don't want to replace the outboard motor but rather re-build it???? It is only a couple years old and is severely damaged. Do not feel safe having it re-built when I am 3-miles offshore on Lake Michigan in 3 to 4 foot swells.

Tell everyone you know to NEVER get Progressive Insurance of any kind!!!! We've been dealing with them for over two months due to our Boat Motor. It's totaled and they will not pay for a dime even though all the boat mechanics and independent insurance reviewers say all the issues stem from an underwater rock strike which is a coverable item in the policy, they denied the claim!!!! Look at all the negative reviews for Progressive... This company needs to go out of business. Period!!!! The only reason they make money is that they NEVER EVER pay out on a claim!!! I agree if you have a claim with this company... Hire a lawyer!! Even if you're thinking "well they are the lowest for monthly premiums".. DON'T sign up with them... Go with another Ins. Co and tell everyone to drop Progressive Insurance. They are a joke and snowballing all their customers!!!!

Filed a claim with Progressive for damage to my catamaran after a lightning strike. My agent asked when did the damage occur. I advised I had not been to the boat for over a month so couldn’t give exact date but a hurricane had passed over Florida 4 days before. She said I would need to get it evaluated by a repair shop and they would send adjuster out for inspection. Had the boat towed to boat yard (couldn’t get engines to start) as requested. Contractor inspected boat and said it was clearly damage caused by lightning. Had to wait 3 weeks for adjuster. When he finally arrived my contractor showed him the damage they had found and provided estimate for repair. Adjuster stated “it’s clear the boat was damaged by lightning”. He would need to give estimate to his supervisor and would contact us soon.

Well this won't allow me to do a negative star! I purchased boat insurance from Progressive 2 years ago. Paid every invoice for coverage as required. I had a claim this year in August when I hit an unlit buoy at night that gouged my hull and damaged my motor and Progressive still refuses to deal with the claim. They keep delaying, asking for proof of condition prior to the purchase of the boat. They wanted the contact info of the previous owner which I supplied including photos when purchased. They are trying to insinuate that the damage on my boat that happened in August of 2024 was from prior accident. I tried calling, emailing and nothing. It's been over 2 months and now costing me additional money to relocate the boat again, can't get work done as they refuse to deal with this claim. TOTAL NIGHTMARE!

Had Progressive on my Cape Dory 27 for 1 year. Had boat hauled out and put in LONG TERM GATED STORAGE and asked for a reduction in rate as boat wasn't going anywhere for the next 3 years or more. They only gave me $100 off the $1800 yearly rate and said they HAD to refund the amount on my ORIGINAL credit card. When I tried to give them my NEW credit card # - they weren't interested and that my bank would credit it to my new card. Several days later - no refund. Called several days later & tried to give the my replacement card #. Again, they gave me the same excuse. My bank says no credit posting to my account. Based on that, I am getting quotes elsewhere.

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.