Progressive Boat Insurance - A Review of Progressive Boat Insurance
There are a number of insurance companies offering to cover your boat. While
boat insurance isn't mandatory by law, like auto insurance, you need it for
many of the same reasons. To prevent bills from medical problems, accidents,
or damage from racking up, make sure that your boat is covered. Boat insurance
can be bought for many different eventualities, but these will also cost you.
Lots of people want to get the best boat insurance they can, but for the lowest
price. Because of this, boat owners do a lot of shopping around for insurance.
One of the companies that many people look at is Progressive.
Progressive Boat is a division of Progressive Auto insurance. They are one
of the less expensive boat insurance companies in existence. Benefits of this
company include online quotes, offered for free, and a well trained, friendly
staff. However, Progressive has also been criticized for offering less coverage
than some other, more expensive insurance companies.
Getting the right watercraft coverage from Progressive requires that you know
a good deal about your boat and the right kind of insurance for it. While you
can get some coverage through a homeowners policy, it might not be enough for
your boat. This is where specialized coverages from Progressive can be used
to augment existing coverage.
Among the options that Progressive offers for boat insurance are on-water
towing, which protects you when you get stranded, and uninsured boaters coverage,
which is much like uninsured motorist coverage in that it protects you from
the damage done by other people. There are a lot more uninsured boaters out
there, percentage-wise, than there are uninsured motorists, however. Also offered
are fuel spill liability coverage to help deal with the environmental damage
when any boat fuel is spilled into the water, and wreckage removal. This latter
coverage helps you if your boat is damage beyond repair and must be taken back
to shore. If you want coverage for your personal effects beyond what's considered
part of the boat, or coverage for your fishing gear, you can also purchase
this from Progressive.
One of the big advantages of getting insurance for your boat through Progressive
is that the policy covers you even if you leave the area you usually boat in.
Boat insurance through Progressive covers all the lakes, rivers, and navigable
waterways of the continental US and Canada. This even covers the ocean, so
long as you're not more than 50 miles out from these countries. If you like
to roam and follow the sun, this can be very advantageous. Progressive also
offers Agreed Value boat insurance, which can help you replace your boat in
the event of an accident. Many other plans only off Actual Cash Value coverage,
which includes depreciation on your craft.
If any of these things seem appealing, Progressive might be worth checking
out. Progressive boat insurance isn't necessarily for everyone, but if you
want inexpensive basic coverage with a few extras, it's a good buy.