Boats We Insure

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Looking for boat or personal watercraft insurance? Here's what we insure.

Insure the following types of boats/PWCs with a Progressive boat or personal watercraft insurance policy:

Boat and Personal Watercraft Insurance Options

Additional boat and personal watercraft insurance coverages, such as Fuel Spill Protection and Wreckage Removal for your watercraft, may be included in some states — just ask if these boat or personal watercraft insurance coverages are available during your quote.

Limitations of Boat and Personal Watercraft

The following coverages are not available with Progressive boat and personal watercraft insurance:

  • 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

Certain types of boats/PWCs cannot be insured with a Progressive boat or personal watercraft insurance policy. The following list is a sample of what we cannot insure with boat or personal watercraft insurance:

  • 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
  • Boats that do not meet published U.S. Coast Guard standards
  • Boats used as a primary residence ("Live Aboards")
  • All amphibious land boats, hovercraft or airboats
  • Homemade boats without a serial number
  • Houseboats that do not have motors
  • Boats with more than two owners

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