Progressive Boat Insurance Reviews

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.

My boat tower was hit by another boat. The insurance adjuster looked at pictures and sent me a check for $1064.19. Told me the repair shop to take it to and said not to worry if it costs more, he will work it out with them as they work with these guys all the time. He also said he would pay to have my tower taken off and put back on. The $1064 was supposedly to cover all of it. I took the tower off myself because no one could do it for 3-4 weeks. I took it to the approved repair shop.

Progressive boat is a poor company. I had their insurance for 11 years. I hit something out in the ocean. I broke my lower unit. Mechanic gave me an estimate for $4800 for a complete blower unit. Progressive will not pay for the complete lower unit. They wanted to repair the lower unit on the boat. The mechanic said he would repair it but he would not warranty it because he didn’t think it would hold together because of the way I hit the object. Said to him was too hard. Progressive said they would warranty it for a year but the mechanic still stated he didn’t think it was a good idea.

I have 3 trucks, a car and 2 boats with Progressive. I pay all my policies in full on time every time. I had a claim on my small boat filed back in January. Progressive tried to deny claim so I submitted paperwork from experts in the field refuting their denial. They re-opened the claim but are still dragging their feet and making me jump through hoops so they don't have to pay. I have hired an attorney to fight them and we are finally making some progress but they are still putting me off. Here we are at the end of May and still nothing so I had to start repairs out of pocket. Can't tell you how bad they treated me as a customer for so many years and when I finally need their service this is what I get.

I recently filed a claim on May 4, 2020 due to striking a rock out in the gulf and damaging my lower unit and prop. I came here to read reviews before submitting my claim just to see what to expect and was appalled at how negative the reviews are. As a result, my expectations were immediately very low. I proceeded with my claim however and I couldn't be more pleased with the outcome. The Progressive claim rep was extremely responsive to my questions and very polite. I was initially considering paying out of pocket to avoid rate increased so he walked me through the process and explained that I could cancel the claim at any point if I wanted to.

I had a boat covered by Progressive Insurance. When I filed a claim I was given the biggest runaround imaginable. Tried multiple times to get resolution and was given Eric **'s number to call. His voicemail said he would return my call by the end of the day. After a week, still no call from Eric, I called him again. He wasn't much help though. Told me to file a complaint with the insurance commission. Obviously he wasn't going to cover my complaint even though he told me sometimes there are exceptions in my situation. I obviously wasn't the exception so I called customer resolutions and they couldn't help me either. Lesson learned is that Progressive will take your money, will technically call you insured but will run from paying claims.

My family was victim to a theft and fire of a boat we had just purchased. Our very first brand new boat. Fully insured all the bells and whistles did everything right to make sure our hard earned money was protected. From the moment this terrible experience started they made us feel like we were guilty and told us we were under investigation. I did some homework and found out due to the situation this sounded typical. Did not like it but with the way our world is I kinda understood to some degree and gave them everything they asked for.

Discovered a crack in my hull, the adjuster came out and agreed I hit an object. Next day got a call, hold on it could have been a factory defect caused by a loose stringer. I was told if the stringer was attached they would pay for the $ 3000.00 repair bill. After cutting an access to the hull and the crack was exposed it turned out the stringer was totally intact. Got a call the next day that even though the stringer was not loose it did not look like an impact and the claim was denied. The crack must have just appeared out of nowhere. Flo is a crook. This company is not worth dealing with. My only satisfaction is that beside my boat insurance, I have several company vehicles insured with Progressive totaling way over $ 4000.00 annually. Next month they are coming up for renewal and it won't be Progressive. Stay away from these crooks.

I have used Progressive insurance since 1988. In 2018 I backed into a concrete edge on a concrete floor and caught the skeg of the motor on the leading edge of it. As I was backing it was down hill and turning into my shop. With the weight of the truck and the momentum of backing the transom split on the boat. What a stupid thing to do I know. But nevertheless I did it. I called Progressive and they came out. The adjuster said if the transom was composite. He didn't see any issues, but they were not paying for a broken wood transom. I pointed to the fully composite label on the boat, he said a repair shop would have to look into it to determine the make up.

We have full coverage boat insurance through Progressive. We are stranded on the lake and called them. They said we could get a tow for $300 even though we pay $155 a month for full coverage. We never got a statement saying what they cover or what they offer. However by calling them it’s gonna cost $300 for a 1 mile tow. I do not recommend this insurance company for boat insurance. Come Monday morning we will be changing our coverage to someone else. Please do not consider Progressive as your boat insurance.

The Claims inspector from Progressive who came out to survey the damage to my boat, and started off by admitting that he knew very little about inboard shaft drive boats. He said his experience was primarily with outboards. I asked Progressive to send an inspector who had experience with my type of boat (2007 42’ Cruisers), and they refused saying their individual was very qualified.

Seriously considering starting a class action lawsuit against this company. They have repeated fraudulent claim denials. Case in point: I had insured my boat fully a month prior to it sinking. I was out of town at the time it sunk and did not even get a phone call from the marina where it was docked. I got two emails stating that it was sinking and then when it was on the bottom of the bay. At that time I immediately filed a claim with Progressive Insurance.

Here is a good one for you. 20% hike in boat insurance after 13 years of coverage with no claims. When I call to ask why... it is our credit score. Dropped from 850 to something closer to 800. What happened to cause a change in our credit score? We took out a loan for Hurricane Impact Windows and let the supplier float the money at zero % while in production instead of writing a check - then we paid the loan in full immediately after they were installed and the first installation payment was due. Zero interest on our part, but five-month float on the part of the supplier.

I paid a lot extra for an extra coverage for my boat called Propulsion Plus which I was told by the Progressive rep would cover me in the case of a mechanical breakdown. When I was out at sea the outdrive broke down and now needs to be replaced. After placing the claim the claims supervisor told me that according to the language in the policy “the maintenance requirements were not meet”. I then told the Progressive supervisor that Progressive did not provide me with any requirements to meet so that the claim could be honored. The supervisor then told me that Progressive does not need to provide me with their requirements. The claim was denied.

While there are many choices for insurance these days it seems like there are few who actually care about their customers and want to help. It should be just about the money. I believe you don't find out how good a Company or business is until you have a problem. I recently had a boat policy with Progressive. Had Fraud on my account which caused the Automatic payment to stop due to account being closed. Progressive charged me for 2 following months. AAutomatically changed policy to a 6 month policy which made the minimum payment 1200.00 to keep current coverage. No letters and could really care less about the issue. Didn't try and resolve anything. Would not recommend to any customer, friend, family member and I will pay more with another company before I ever use Progressive ever again. They do not care about their customers!

I have a marine service and repair shop, we've been in business over 40 years and have a sterling reputation in our community and the surrounding area. We do a fair amount of repair work for insurance claims and I can say that Progressive, without a doubt, is hands down the absolute worst insurance company to deal with. Most of the jobs we do are pretty straightforward, and we don't have consistent problems with any insurance company...except one. Every time a customer tells me that they are insured with Progressive, I prepare for a fight and they never let me down. Every single time I send a bid to Progressive, the adjuster sends it back with an estimate of his own that is generally about around 25% of my original bid.

The 4737 phone number listed everywhere for boat is actually auto. When you eventually get a human, they say they need to pass you to a boat rep... and you stay on hold forever with no one picking up. Numerous attempts. 30+ minute waits with no one. I’m working with my credit card to dispute my prior insurance payment... because I need a boat rep to cancel my insurance... which I can’t contact... which is why I need to cancel. They had no problem getting on the phone last month to sign me up.

This is my current experience with "Progressive". The following is an emailed response following a conversation with a Progressive Claims Person. I am a business owner who was made aware of by my insurance company that Progressive was seeking assistance with paying a claim in which their customers boat burned up at our fuel dock. After I made her aware the Fish & Game report was incorrect and currently being reviewed by F&G at my request, I was informed that even if the report was revised to show the 15 year old occupant as the driver, Progressive still pays long as he had owners permission. Going to give Progressive a few days to digest this review before I take this information public as well as to the Insurance Commissioner for KY. Unbelievable... I'm hoping they will rethink this issue. Especially since no one's asked for the video footage of the kid driving.

My 19 foot Carolina Skiff developed a ix 1/2 inch hole on my first time out. I had cleaned the bottom before putting it in storage and there was no small hole. Claim was for $1,800 less my $500 deductible and they said it occurred before I had my insurance. USAA uses them and it amazes me why they chose Progressive. Anyway I will try to appeal and we will see where that goes.

I own a 24' stern-drive powerboat. I hit a submerged rock with the cone of the outdrive. The boat sustained damage to the transom, hull, and other parts. I had Progressive boat insurance with "Glide 'N Ride" coverage, which covers towing. They paid the towing, they paid for the damage (around $8,500), they had an expert claims adjuster, who was very responsive and proactive, and settled it directly with the repair marina, so the claim and repair were basically painless. Given the other ratings, I was shocked... but, I would recommend them to anyone who owns a boat. No reservations.

My boat was hit by a progressive boat owner, huge hole put in my hull, boat needed to be repaired and painted. Progressive has refused to paint whole boat, said you can only see one side at a time, color doesn't match, this is a $50,000 boat and 16 weeks out of water, in NE that's an entire season. Stay away from Progressive.

Have owned the Jet Ski for 10 years and never had a claim on it. A few weeks ago we were riding in the river at our home and hit something under the water damaging the bottom of the ski. We have no idea what we hit. We took the Jet Ski to a repair shop that was recommended to us by Progressive Adjuster. Shop estimated about $2500 to repair Jet Ski and we have a 1,000 deductible. They are only wanting to pay us $400 for repairs after deductible and are saying we continued to ride the Jet Ski and beach it after we hit something which is a ball face lie! We don’t even live around a beach in the first place and the ski has not been back in the water since the incident happened.

Insurance was easy to set up and fairly priced. I had insurance for my boat for 6 years and never had a claim. One day I put the boat in the water to go fill the tank. I got just outside the marina and noticed it was taking on water fast. Looked in the bilge and saw my bait tank valve had cracked and water was rushing in. The bilge pump couldn't keep up and water flooded into the fuel tank overflow vent and killed the motor. I flagged a boat down and he towed me in while I used a bucket to bail. Made it back to the dock barely and onto the trailer. The motor had sucked up saltwater so I called Progressive to make a claim.