Coverage simply isn’t the same everywhere. We offer many of the same standard coverages other insurers do. But we do more than meet checklist requirements. We offer more unique boat insurance coverage options—many of which don’t cost extra.
If you carry comprehensive and collision coverage, we’ll pay what it costs to return your watercraft to its pre-accident condition or better.
Example: You hit a submerged object, damaging your 10-year old motor. It may only be valued at $3,000 but costs $8,000 to replace. If we can’t repair it, we’ll replace it. This saves you $5,000 in depreciation.
Bodily injury liability covers you if you’re in a boat accident and liable for injuring others. Liability boat insurance also pays to repair or replace any watercraft, object or other property you damage while boating, plus legal expenses if you’re sued.
Example: You crash your boat into the pier when trying to dock it, causing thousands in damage and injuring people on the pier. Liability will pay for the pier damage and people’s injuries up to your policy’s limits.
Progressive pays for fuel spills, no matter how the spill happened: sunken boat, leaking tank, or a mishap at the fueling station.
Example: Your boat sinks in a nature reserve and the government issues you a fine-claiming your fuel spill threatens marine life and makes the water unsanitary. Progressive will pay the fine up to your policy’s limits.
If your boat sinks, we’ll cover the cost of removing your boat from the water (if removal is legally required).
Example: In a heavy storm, your docked boat sinks, so the marina mandates that you remove it or pay a fine. We’ll take care of removing your boat, so you can avoid any fees.
his coverage comes standard if you have trailer coverage on your policy—we’ll pay to tow your disabled vehicle to the nearest repair shop.
Example: You’re hauling your boat to the lake, and your vehicle breaks down or runs out of gas. We’ll pay to tow your vehicle and watercraft to the nearest repair shop.
Water sports coverage pays for any injuries or damages you caused from tubing, knee boarding, wake boarding, wake surfing or other similar activities. Parasailing, kite boarding or other activities in which someone is pulled through the air won’t be covered.
Example: Your child’s friend is injured while tubing on your boat. Water sports coverage will kick in and pay for their medical bills up to your policy’s limits.
This coverage includes protection for medical expenses for persons accidentally injured while on your property. You do not need to be at fault to have coverage under Medical Payments. This coverage is not for you or for family members who live with you.
Boat insurance is not required in all states. However, if you finance your boat or dock it at a marina, you may be required to have a specialty boat policy.
Off the water, you may be able to insure your boat on your homeowners policy. But homeowners policies typically cover small low-powered watercraft and offer few optional coverages. That’s why so many boaters choose Progressive specialized policies. With us, you’ll get all the coverages listed above (or the option to select them).
Call today and speak with a professional insurance agent.
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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.