Boats We Insure

We cover more types of boats so you have more ways to enjoy your time on the water

Progressive will most likely insure any boat or personal watercraft (PWC) that is not valued at more than $350,000 or longer than 50 feet. We do have some limitations described below. Simply get a boat insurance quote and select your type. If your watercraft isn’t listed, call us at 1-855-347-3939 and we’ll do what we can to get you covered.

Common types of covered watercraft


The most popular type of boat. Powerboats are used for fishing, cruising, pleasure activities, water sports, etc. See more on powerboat insurance.


Boats that use at least one sail for power but may also have a motor for an additional power source. Insurance for a sailboat without a motor may be more affordable. See more on sailboat insurance.

Bass and fishing boats

Typically include modifications/features designed for fishing, such as such as trolling motors, power poles, fish finders, etc. See more on bass boat insurance.

Pontoon boats

These boats are built on pontoons (usually hollow metal cylinders) with flat surfaces to walk or sit on. Many pontoons are designed for slow movement on inland lakes and rivers. See more on pontoon insurance.

Personal Watercraft (PWC)

Common PWCs include Jet Skis, Sea Doos, Waverunners or similar vessels usually for one to three people. See more on PWC insurance.

Insurance limitations for boats and PWCs

When it comes to boat insurance, Progressive boasts some of the broadest acceptability in the business. But we do have some limits:

  • Boats up to 10 years old and worth more than $350,000
  • Boats over 50 feet in length
  • Boats 11-20 years old and worth more than $250,000
  • Boats more than 20 years old and worth more than $40,000
  • In some hurricane-prone states, the limits can be 35 feet and $175,000 in value
  • PWCs worth more than $27,000
  • 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 hull identification number
  • Houseboats that do not have motors
  • Boats with more than two owners
  • Steel or wood hulls