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Boats/PWC We Insure

You can insure the following types of boats/PWCs with a Progressive Boat policy. Click on a link for a more detailed description and a picture of the boat.

• Runabout
• Mini Jet Boat
• Sailboat
• Pontoon
• House Boat
• Cabin Cruiser
• Other Fishing Boat
• Bass Boat
• Personal Watercraft

The following coverage is not available:

• Physical Damage coverage on boats more than 15 years old AND worth more than $20,000 (in some states, the maximum is boats more than 20 years old AND worth more than $40,000)
• Physical Damage Only policies
• Engine/Motor Only coverage

The following cannot be insured with your Progressive Boat policy:

• Boats over 50 feet in length and/or with values over $250,000 (in some states, the maximum is boats over 35 ft. in length and/or over $175,000 in value)
• PWC valued over $27,000
• Boats with max speed exceeding 75 mph
• Bass boats with max speed exceeding 90 mph
• Boats with engine horsepower greater than 500 for a single engine or 1,000 for twin engines
• Boats equipped with over-the-transom exhaust or exposed inboard engine(s)
• Boats with more than two motors (other than trolling motors or "kicker" motors)
• Wood, steel, ferro cement or performance catamarans/tunnel hulls
• Boats that do not meet published U.S. Coast Guard standards
• Boats principally docked/moored/stored in Massachusetts, New Jersey, District of Columbia, Canada, Mexico or Puerto Rico. Principally docked/moored/stored is defined as at least 6 months in a given state or location.
• Boats used as a primary residence ("Live Aboards")
• Boats used for any business or commercial purpose, including, but not limited, to: pickup or delivery of goods, limousine or taxi service, emergency services, food concessions or commercial fishing (including netting and trapping)
• Boats used for racing or speed tests (except sailboats)
• All amphibious land boats, hovercraft or airboats
• Foot pedal/paddle, steam, glass bottom and ice boats (sailboat)
• Homemade boats with Physical Damage coverage
• Homemade boats without a serial number
• Houseboats that do not have motors
• Boats leased or rented to others by the insured
• Any boat on consignment
• Boats with more than two owners