Agent Portal: Progressive: Boat and Personal Watercraft

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Included, Optional Coverage, Discounts

Boat Manual


Boat Contract

Bodily Injury and Property Damage Liability

  • Includes coverage for fuel spills.
  • Available limits: 30/60/25, 50/100/25, 50/100/50, 100/300/25, 100/300/50, 100/300/100, 250/500/25, 250/500/50, 250/500/100.

Pet Coverage Included

  • $1,000 limit.

Covered up to 75 miles off the coast of the United States

  • Can be increased to 175 miles.

Other Highlights

  • Online services and mobile app available.

Optional Coverage

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UIM Bodily Injury and Property Damage
  • Subject to $250 deductible. Available limits: up to bodily injury limit selected.
  • Up to property damage selected.
Medical Payments
  • Available limits: 500, 1000, 2000, 5000, 10000.
Personal Injury Protection
  • Available limits: 2500, 5000, 10000.
  • Will pay to remove wreckage.
  • Separate storm deductible.
  • Available limits: 100, 250, 500, 1000, 2000.
  • Agreed Value.
  • Available limits: 100, 250, 500, 1000, 2000.
  • Agreed Value.
Roadside Assistance
  • Can be endorsed to cover trip interruption.
  • Pays up to $500 for lodging and food if you are more than 100 miles away from your home.
Personal effects
  • Pays for personal property in the boat after a covered loss. Can go up to $99,000.
  • There is a $100 deductible.
Propulsion Plus
  • Pays to replace a mechanical breakdown that occurs in the lower unit of an outboard engine, or in the upper and lower units of an inboard/outboard engine.
  • $250 deductible for this coverage.
  • Does not provide coverage until 31 days after policy effective date.
Sign & Glide
  • Able to call Progressive for a tow when you are on the water.
Disappearing deductible
  • Drops each deductible by 25% for each period that the insured is accident free.
Fishing equipment
  • Up to $10,000 for fishing equipment. $100 and $250 deductibles apply.


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Five year accident free
  • Given if the insured has been accident free for 5 years according to report.
Five year claim free
Advance Quote
  • Available if the policy is quoted before the renewal of the past policy.
Continuous Insurance- Diamond
  • Customers who have been with Progressive continuously for 5 years save with a discount.
  • This will also give you large accident forgiveness.
Continuous Insurance- Silver
  • Insured for at least 6 months with Progressive or another company.
Continuous Insurance- Gold
  • Insured for at least 1 year with Progressive or another company.
Continuous Insurance- Platinum I
  • Insured with progressive or another company for at least 3 years.
Distant Student
  • Available if a driver under the age of 23 is away at school without a car.
  • Available if you pay your bill with EFT.
Education Rating
  • Available if you have a college degree.
Good student
  • Available for any driver under the age of 22 and maintains a B average or higher. Proof required.
  • Available if you own a home.
Minor Child
  • Available for young children (between 14-19) if the insured has been insured for up to 1 year or higher.
Mobile home owner
  • Available if you are mobile home owner.
  • Available if you have more than one car on your policy
  • Available if you have other policies with Progressive.
  • Occupation Rating
Paid in Full
  • Available if you pay the policy in full.
  • Available if you receive all documents and billing through email
Preferred Prior Carrier
  • Available if the prior carrier was preferred.
  • Discount available at the beginning. After 6 months of device tracking, another discount will be applied. Surcharge also available. Emails will be sent to insured. Snapshot mobile now available. Plug in not needed.

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