Monday, April 1, 2024

Does Progressive Boat Insurance Cover Towing

What Else Should I Know About Car Insurance And Boat Towing

Avoid These 3 Most Common Boat Insurance Claims | BoatUS
  • The bottom line is, some car insurance does cover a bit of boat insurance but it does not the way you would want it to. As in, the insurance for your car may be great but that same insurance might not be so great for your boat.
  • If you are looking into insurance for your boat then it shows that you do care about your boat, so it is best to just look into boat insurance.
  • Boat insurance might be a hassle because, on top of car insurance and property insurance, you have something else to deal with. However, it will be worth it if you ever do get in an accident, whether it be because of you or because of someone else.

Best Boat Insurance Companies Of 2021

Best for Policy Discounts Best for Covering Boat Rentals

Full replacement cost, Liability, Fuel spill, Wreckage removal, Roadside assistance, Watersports coverage

Agreed Hull Value or Actual Cash Value reimbursement, Liability, Medical payments, Salvage, Wreckage removal

Physical damage, Liability, Uninsured/Underinsured boater, Medical payments, Trailer, Personal property, Towing and roadside assistance

Agreed hull value, Liability, Replacement cost, Uninsured/Underinsured boater, Medical payments, Search and rescue, Personal property, Fishing equipment, Towing, Bottom inspection, Marine environmental damage

Physical damage, Comprehensive coverage, Liability, Medical payments, Wreck removal, Emergency assistance

A.M. Best Rating

Full replacement cost, Liability, Fuel spill, Wreckage removal, Roadside assistance, Watersports coverage

Agreed Hull Value or Actual Cash Value reimbursement, Liability, Medical payments, Salvage, Wreckage removal

Physical damage, Liability, Uninsured/Underinsured boater, Medical payments, Trailer, Personal property, Towing and roadside assistance

Agreed hull value, Liability, Replacement cost, Uninsured/Underinsured boater, Medical payments, Search and rescue, Personal property, Fishing equipment, Towing, Bottom inspection, Marine environmental damage

Physical damage, Comprehensive coverage, Liability, Medical payments, Wreck removal, Emergency assistance

Basic Boat Insurance Coverages

Bodily injury liability

If you cause an accident with your boat and someone is injured, this coverage can help pay their medical bills and loss of income.

Property damage liability

This coverage helps pay for damages to another persons vehicle or property, if you cause an accident with your boat. Pollution liability coverage and wreckage removal are included.


Collision pays for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment if youre in a covered accident with another boat or object.


This coverage can help pay for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment from losses other than collision. This includes damage from fire, theft or storms.

Uninsured motorist

Helps pay for bodily injury damages if you or someone on your boat is injured in a covered accident with an uninsured or hit-and-run boater.

Underinsured motorist

Could pay for bodily injury damages if you or someone on your boat is injured in a covered accident with an underinsured boater.

Medical payments coverage

Med pay can help cover medical bills if you or others are injured while operating or occupying your boat.

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How Are Progressive Roadside Assistance Reviews From Consumers

Progressive has received more than 12,000 consumer reviews on Clearsurance. We looked into the Progressive car insurance reviews that discussed an experience with the company’s roadside services.

According to the reviews, a large number of customers are pleased with the service they’ve received under the roadside assistance program. The most frequently mentioned attributes are short wait times and the low costs, particularly when compared to stand-alone coverages many drivers had purchased in the past. You can see a few of the Progressive roadside reviews we chose to highlight below.

This experience that a Progressive roadside assistance customer is typical of many of the reviews provided. The customer said in the review, Let me just say their roadside assistance is a dream. Never had to wait more than 30 minutes for help, and even less when stuck in the snow or cold. Absolutely excellent. The bundles make it even better, the price I paid was such a fantastic price for home and auto. would never have thought bundling would make rates so much cheaper. I really respect them showing competitor rates on their site too. very cool and that’s what got me to switch in the first place. Their site is like butter to use and their service team is friendly and natural.

Does Car Insurance Cover Towing A Boat Trailer

Progressive: Boat and Watercraft Coverages

While your car insurance policy won’t cover the boat trailer itself, it may cover damages caused to others while towing your trailer. If you’re involved in an auto accident while towing your boat trailer and it damages another vehicle or injures someone, your car insurance policy’s liability coverage can protect you.

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Does Progressive Auto Insurance Have Boat Liability

  • Progressive Auto Insurance is one of the most well known and well-used auto insurance policies so it is no wonder so many people want to know if they also have boat liability.
  • If you have Progressive Auto Insurance for your car already or if you are looking into singing with Progressive Auto Insurance, it is best to contact them directly for a quote.
  • For more information about Progressive Auto Insurance and their stand on boat liability and insurance, please click here for more information.

Why You Need Specialized Boat Insurance Coverage

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. Get more information on boat insurance requirements.

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. Thats why so many boaters choose Progressive specialized policies. With us, youll get all the coverages listed above .

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Does Progressive Offer Roadside Assistance Services

Is a roadside program a type of additional coverage you can add to your Progressive policy? The most common service people think of when they consider a roadside assistance package is towing in the event of a car breaking down.

Progressive car insurance and its big-name competitors, go above and beyond that standard of service and include the following services in any roadside assistance package:

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Foremost: Best Variety Of Coverage

On Call with Dr. Rick | Sign Reading | Progressive Exclusive
  • Variety of packages and coverage options

  • Several great discounts

  • Limitations on who can receive coverage


When it comes to coverage, Foremost offers many standard coverage options, including:

  • Watercraft physical damage
  • Personal property

Additionally, Foremost offers numerous packages that let boaters customize the coverage they receive. These include:

  • Saver Package The most affordable package includes cash value settlements in case of a total loss
  • Plus Package Includes all of the basic coverage plus agreed value/total loss replacement cost settlement, watersports liability, diminishing deductible, extended depreciation deferral, and hurricane haul-out
  • Elite Package Offers the most coverage possible, with perks such as boat lift/hoist/cradle coverage, fishing tournament fee reimbursement, pet insurance, trip interruption coverage, enhanced towing services, Bahamas and Mexico navigation coverage, extended total loss replacement, and depreciation deferral
  • Pontoon and Pontoon Elite Packages For the specific needs of pontoon boats
  • Classic and Classic Elite Packages For boats more than 25 years old
  • Performance and Performance Elite Packages For speedboats that reach speeds of 77 mph or greater
  • Personal Watercraft Insurance With features specifically tailored for personal watercraft



Additional Perks

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Bodily Injury & Property Damage Liability

Bodily injury liability covers you if youre 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 youre 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 peoples injuries up to your policys limits.

What Boat Insurance Policies Cover

How and where you boat determines the type of coverage you need. An “all risk” policy will offer the best protection. However, an all risk policy does not cover every type of loss. In insurance terms all risk just means that any risk not specifically omitted in the policy is covered. Typical exclusions include wear and tear, marring, denting, animal damage, manufacturers defects, design defects, ice and freezing.

You may also be able to add extra coverage. Available options may include: medical payments, personal effects, uninsured boaters liability, and towing and assistance. Most policies will cover permanently attached equipment, as well as items like anchors, oars, trolling motors, tools, seat cushions, and life jackets. Be sure to discuss these options with your agent.

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We Insure Over 1 Million Watercraft And We Can Help Insure Yours Too

With over 35 years of boat insurance experience, we know how to keep you afloat. So, as long as your boat or personal watercraft is valued at no more than $500,000 and is up to 50 feet long, well most likely insure it. Dont see your watercraft listed here? Call us at and well do what we can to get you covered.

Some of our coverages

Limits Deductibles And Other Details

Progressive Insurance Towing

With On-Hook Towing insurance, you must select both a limit and a deductible. The limit is the maximum total amount paid per occurrence for damage done to all vehicles.

The deductible is the amount you will pay out of pocket per occurrence for repairs or replacement of the damaged vehicle before your insurance pays.

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Does Car Insurance Cover Towing

Roadside assistance on auto insurance policies will often provide towing, up to a certain distance specified on your policy. Not all policies will be eligible for roadside assistance, and coverage is always optional. Some insurance companies may cover towing if you’re involved in a covered accident, even if you don’t carry roadside assistance coverage.

Its All About You We Want To Help You Make The Right Coverage Choices

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.Our insurance industry partnerships dont influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines:

Progressive is a well-known and popular car insurance provider, instantly recognizable through their now-iconic advertising. Similar to many insurance providers, they offer roadside assistance for drivers who experience flat tires, dead batteries, and other car issues that could leave a driver stranded, potentially in an unknown area. They also assist with lockout service and more.

Having reliable roadside service can provide drivers with peace of mind, especially for parents who have newer drivers in the household.

Is Progressive’s roadside assistance program comprehensive enough for it to be the only roadside assistance that a driver needs to carry? This article will evaluate what Progressive policy holders have provided in their Clearsurance reviews of Progressive’s roadside assistance.

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Is Towing A Boat Covered By Car Insurance

The basic rule of thumb for vehicle insurance: If youre on the road, youre covered by car insurance. If youre on the water, youre covered by boat insurance.

If your boat trailer hits another car, your liability coverage will likely kick in. However, if the trailer detaches and causes damage, itll be a different story. And, in either scenario, damage to your boat wont be covered.

To insure your boat against damage, you could add trailer or towing coverage to your existing car insurance policy. But make sure your insurer covers trailers first.

What Does Boat Insurance Cover

3 Boat Insurance Questions to Ask Your Agent | BoatUS

Boat insurance can cover physical damages to your watercraft as well as any injuries or damages you cause to others while boating. Here are some common coverages available on a boat insurance policy:

  • Liability: Pays for any damages or injuries you cause to others while boating, up to the limits of your policy.
  • Physical damage coverage: Physical damage coverage includes both comprehensive and collision coverage, and includes coverage for damages from events outside of your control, such as weather, theft or fire. Coverage also extends to damages sustained in a collision with another watercraft or object, regardless of fault, including if your boat capsizes.
  • Uninsured/underinsured boater : Pays for your injuries if you’re hit by a boater with little or no insurance.

If physical damage coverage is included on your policy, the hull, furnishings, fittings, and other components such as motors, anchors, fuel tanks, batteries, and onboard safety equipment are typically covered if damage occurs due to a covered incident. A standard boat insurance policy will also commonly cover fuel spills and wreckage removal if your boat sinks.

Learn more about boat insurance coverages including those you’ll only find at Progressive.

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Propulsion Plus Mechanical Breakdown Coverage

Well pay to repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown. And yes, well still cover it if its caused by general wear and tear. Starts at $38/year. Propulsion Plus does not apply to jet drives or inboard motors.

Example: Your 10-year old lower unit simply runs its course and dies on you. Typically, insurance wouldnt pay for that because wear and tear is not covered. This coverage is different. Add Propulsion Plus, and, if it cant repaired, well replace it with a brand new one.

Will My Insurance Cover A Rental Car For Me

If you purchased Rental Reimbursement coverage when you purchased your insurance policy, the coverage will be available on qualified claims for up to 30 days while the claim is being resolved. To determine if you have Rental Reimbursement coverage, review your policy documents or log in to your policy to view your coverages. Your Policy Summary page, available from the Policy Snapshot link, lists all your coverages. Progressive policyholders who have a claim but do not have Rental Reimbursement coverage can still receive special pricing from our rental car providers. Ask your claims representative for more information.

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How Much Will It Cost To Repair The Damage Out Of Pocket

This largely depends on the damage. Was it the boat, the trailer, the car or all of it? Repair costs can range from a few hundred dollars up to the value of your car, trailer and boat combined.

For example, say you get in a fender bender while towing your boat. Since theres no fender, your boat or trailer might take the damage instead of your car. Some scratched paint or a bent frame might run several hundred dollars to repair, but any real damage to your boat could run into the thousands to fix.

How Progressive Roadside Assistance Compares

Does Shelter Insurance Cover Roadside Assistance ...

Like car insurance rates, roadside assistance prices are not set. The costs listed below are what you can expect to pay.

Roadside Assistance Provider

*Amount of time varies by policy.

Keep in mind that most insurance providers do not offer stand-alone roadside assistance services, so you cant get roadside assistance without a traditional Progressive policy. Roadside assistance costs are added to your existing liability, collision, or comprehensive premiums.

While State Farm may offer a lower cost for its roadside assistance, you still could end up paying more for State Farm coverage overall than a provider like Geico. Geico generally offers lower insurance premiums on standard offerings such as liability auto insurance and comprehensive car insurance coverage.

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Other Car Insurance Companies That Offer Roadside Assistance

Adding roadside assistance onto an existing Progressive car insurance policy can be a simple way for drivers to increase peace of mind for a few more dollars per month. But Progressive isnt the only insurance company that offers roadside assistance. You can get roadside coverage from most leading insurers, like Geico and USAA, but it can also be smart to go with a dedicated provider like AAA to keep your car insurance prices steady.

If youre looking for auto insurance, use the free quote comparison tool below to see prices from providers in your area.

Compare car insurance quotes

Do I Need Insurance On My Boat Trailer

No state requires you to carry insurance for your boat trailer even the few states that require boat insurance. But, if you don’t have coverage and you’re in an accident involving your boat trailer, you could be liable for the damages. Weighing the following factors can help you decide whether to add your boat trailer to your boat insurance policy.

  • Value of the trailer
  • If you have the financial means to replace it

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Our Top Picks For Boat Insurance

  • Wreckage removal and fuel spill cleanup included
  • Accident forgiveness and disappearing deductibles
  • Coverage limitations for expensive watercraft, and for big boats in hurricane-prone states

Not every insurer includes in its standard coverage the removal of your boat if it is wrecked and damage from fuel spills. Progressive is among those that do, but there are limitations. Wreckage removal is covered only when it is deemed to be legally necessary, and fuel spills only to the limits of your liability coverage.

Progressive boat insurance policies include accident forgiveness which keeps rates from increasing if your claims are for $500 or less. Boaters whove been Progressive customers for at least four years and remained accident-free for three are exempt from rate increase for any boat accident, regardless of the claim amount.

For an additional cost, you may include a disappearing deductibles policy that deducts 25% from your deductible amount for every claim-free period on your boat policy until it reaches zero.

But Progressive has more limitations than some insurers on the vessels they will insure, and where they will do so. Personal watercraft worth more than $27,000 are not covered. In hurricane-prone states, insurance is not available for boats over 35 feet in length or that are worth more than $175,000.

Additional coverage options:

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