COVERAGE OVERVIEW
DISCLOSING OF OPERATORS
It is important to disclose all operators- First Named Insured as listed on policy; others in the household – Spouse, Relatives such as children, Domestic Partner, and Unrelated Residents. Also, Regular Operators Living Elsewhere must be disclosed.
IF YOU ARE INJURED
- Medical Payments (Optional)
IF YOU INJURE SOMEONE OR DAMAGE OTHERS’ PROPERTY
Liability protection provides legal defense and a settlement to
- those you may injure, or
- for property you may damage.
This includes
- Water Sports such as skiing, knee-boarding, wake-boarding and tubing.
- Fuel Spill liability up to the policy liability limit
These limits can become outdated.
You can have additional coverage with a stand-alone Excess Liability Policy.
YOUR BOAT DAMAGE (OPTIONAL)
This coverage includes Pet Injury Coverage up to $1,000.
Comprehensive Perils Coverage
Includes all direct physical damage except those perils specifically excluded.
Standard claim settlement is Actual Cash Value (depreciation for age, wear & tear), subject to the policy limit.
- Collision (on-water accident, in-transit accident)
- Comprehensive (fire, theft, vandalism & more)
ADDITIONAL OPTIONS
Total Loss Replacement Coverageis available for boats no more than 1 year old.
Agreed Value Coverage(instead of traditional Actual Cash Value) may be available for qualified boats.
Disappearing Deductible for an additional premium receive a 25% discount towards your deductible per claim-free year
Uninsured Boaters (no insurance at all) may injure the occupants of your boat.
Propulsion PlusCoverage
Pays to repair or 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 (stern drive) engine. Wear and tear and defects are all covered. A $250 deductible applies to each breakdown, must have Sign & Glide coverage.
Fishing Equipment Coverage is available from $1,000 to $10,000 (maximum $1,000 any one item) with a $250 deductible.
On-Road Emergency Roadside Assistance provides coverage while your boat is being towed on a trailer.
Personal Effects Coverage is available from $1,000 to $5,000 (maximum $1,000 any one item) with a $250 deductible
Sign & Glide Coverage Sign & Glide on-water towing coverage offers “one stop” assistance. Our national dispatch center will dispatch a tow boat and pay the tow operator directly. Customers pay no out-of-pocket expenses for covered services – they simply Sign & Glide.
PROGRESSIVE PRODUCTS
Auto–Personal Auto – Commercial
ATV Boat
Motorcycle RV
Snowmobile Umbrella
Motor Home, including Full Timers
Travel Trailer, incl. Park Models
Employment Practices Liability
REVIEW
We ask for the opportunity to review your needs when purchasing insurance. We also provide a written review each year.