Hello I'm Dan Lyles with Lyles Insurance. In this video, we're going to go over the features of Progressive Boat Insurance.
There are two major reasons why Progressive ranks near the top of boat insurance sales. Number one: Low rates. Their prices are already low to begin with. Plus they offer many opportunities for discounts, which I'm going to get into here shortly. And also, specialized coverage offers. Progressive offers extra coverage options that are not offered by most other boat insurance companies.
Progressive has a wide range of different types of boats they will insure. This isn’t an all-inclusive list, but it’s some of the more common: cuddy boats, runabouts, bass boats, ski boats, pontoon boats, yachts, jet skis, personal watercraft and sailboats.
As far as coverage offers, Progressive has the same basic coverages that any good boat insurance policy should offer. Those include liability coverage, uninsured motorist coverage, medical payments coverage, and comprehensive and collision coverage. But it's the secondary optional coverages that sets Progressive apart from other boat insurance companies. So let's get into those.
You want to take a good look at these specialty coverages because if you decide to choose any of them, you're going to be surprised to see that the cost is very little extra for what coverage you get offered. The newest addition is hurricane haul-out coverage. That's something they've only come up with recently. It reimburses you for 50% of the cost to haul out your boat due to severe weather. Accessory coverage: accessory coverage, that's anything attached to your boat. That coverage is actually free up to $3000 worth of coverage if you have comprehensive and collision coverage. And you have the option to buy more if you need. And Sign-N-Glide coverage: help comes to you if you are stranded on the water and you need gas, a jump start, or a tow.
Propulsion plus coverage: that provides coverage for the lower units of outboard motors, and the upper and lower units the inboard outboard motors, in the event of a mechanical breakdown. And finally, trailer coverage and roadside assistance coverage. Both of them are offered at a very low price for the coverage offered.
Finally, I want to go over Progressive boat insurance discounts. These can save you quite a bit of money. For example, if you own your home, have prior boat insurance coverage, or pay for your policy in full, you're going to get a big savings on any or all of those three. If you own more than one boat or watercraft, they also give you a multi-vehicle discount. And if you already have a policy with Progressive, they give you a multi-policy discount. Advance quote discount applies if you get a quote and buy a policy now, but the effective date doesn't start until a date in the future. Safety course discount: if you've recently taken a boat safety course, make sure you ask about the discount Progressive offers. And finally, original owner. If you bought your boat new, you get a discount.
For those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia: If you would like for me to personally run you a Progressive boat insurance quote, I will be happy to do so. I provided a link to my website quote page. I will also include that in Youtube under the description. And if you're watching this from my blog, I will have it posted right under the video. Or if you'd rather just get a quote by phone, I've also posted my phone number, and I'll be happy to help you over the phone as well. Thank you for watching. And have a great day!
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..