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The benefits of boat insurance

Boat insurance offers numerous benefits that can bring peace of mind to boat owners. It provides financial protection in case of accidents, theft, or damage to the boat, helping to cover repair or replacement costs. Boat insurance offers a layer of security and protection, allowing you to enjoy your time on the water confidently. You can find boat insurance from companies like Progressive, America’s #1 boat insurer.


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Explore Progressive's boat insurance offerings

As America’s largest boat insurer*, Progressive is proud to protect over 1.7 million watercraft. Progressive’s liability coverage starts at $100 per year** and helps boaters relax knowing they’re protected on the water. Plus, Progressive offers Total Loss Replacement coverage, Sign & Glide® On-Water Towing, and Propulsion Plus® Mechanical Breakdown coverage—to help you cover many boat-related bills.

Progressive doesn’t let breakdowns rock the boat. That’s why we’ve teamed up so Progressive can offer you reliable, convenient, and affordable insurance solutions. Join the over 35 million people who trust Progressive to insure their boats and other vehicles.                       

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More coverages for your journey

Total Loss Replacement coverage will help pay to replace your boat with a brand new one if it’s totaled within the first five model years. We’ll even do all the shopping for you! 

Liability Insurance can pay for damages and injuries you cause if you hit another boat, person, dock, or even a buoy. This includes wreckage removal, fuel spills, clean-up, and legal costs if you’re involved in a lawsuit.

Sign & Glide® On-Water Towing can cover you if you run out of gas or your boat breaks down on the water. All you need to do is download our Sign & Glide app on your smartphone or call our dedicated Sign & Glide number, and our covered clients will get towed back to shore without any out-of-pocket cost.

Propulsion Plus® Mechanical Breakdown is an available coverage that can pay to repair or replace the lower unit of an outboard motor or upper and lower units of an inboard/outboard motor—even if the damage is caused by normal wear and tear.


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Learn more about boating safety

Learning about boating safety is crucial to protecting yourself, your passengers, and fellow boaters. Understanding navigation rules, emergency procedures, and proper equipment usage significantly reduces the likelihood of accidents and creates a safer boating environment.

Boating Safety Guide


Watch Discover Boating Safety Basics, presented with Progressive

When it comes to boating, following safety protocols is key to a successful day on the water! In Discover Boating Safety Basics, in conjunction with Progressive® Insurance, you’ll learn how to be a responsible boat passenger, a prepared boat captain, safely enjoy water sports, and more. Understanding the must-know boating safety basics allows you to enjoy stress-free, fun-filled days on the water!

Know Your Navigation Lights



Discover essential safety tips for using your navigation lights during nighttime boat rides, inclement weather, and times of reduced visibility. This video provides valuable insights, including understanding and adhering to navigation light rules and regulations, the proper use of various navigation lights, the importance of regular maintenance, and how to learn more about your boat’s navigation lights.

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Master Boat Trailering Like a Pro



Discover the essentials of boat trailering safety with "Master Boat Trailering Like a Pro." Learn vital tips like adhering to weight capacity guidelines, securing loose equipment, and achieving proper loading and balance. By following these expert tips, you'll be prepared for a safe and enjoyable boating adventure. Get ready to hit the road with confidence and ensure safety is always your top priority!


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Sit & Swim Safely While Boating



Discover the ins and outs of safe boating practices with 'Follow Safe Seating Protocols: How to Sit and Swim Safely While Boating.' We cover crucial safety tips, like refraining from jumping off moving boats, never swimming around moving boats, and staying alert to carbon monoxide risks. By following these tips, you and your crew will be ready for a day of on-water fun, with safety as the top priority!


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Refuel Your Boat Responsibly



Learn how to refuel your boat safely with key tips such as using the sniff method to detect leaks, unloading passengers before refueling, selecting the right fuel for your boat, and more. It's all about keeping everyone, including our waterways, safe and sound.


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How to Boat With Your Dog



"Keep Your Dog Safe on the Water: A Pet Owner's Guide to Onboard Adventures" dives into essential tips like the importance of pet life jackets, paw protection, hydration, boarding techniques, and marina pet policies. By the end of this video, you and your pup will be ready to embark on unforgettable boating adventures together!


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Boat Passenger Etiquette



Learn the essential rules that every boat passenger should follow to keep everyone safe and ensure you'll be invited on your crew's next boating adventure. From understanding life jacket use to practicing proper boat etiquette, these guidelines will not only enhance your safety but also contribute to a memorable and enjoyable experience for all on board.

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Boat Captain's Duties



Learn how to be a prepared boat captain that keeps their crew safe on every boating journey. Taking a boating safety course, driving responsibly, and following navigation rules are just a few of the responsibilities you should master before getting out on the water.


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Celebrate Safely



Discover essential tips for enjoying your next celebration on the water while prioritizing safety, including having a designated sober driver, wearing a life jacket, staying properly hydrated, and following other crucial safety measures.

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Watersport Essentials



Discover essential safety guidelines for thrilling watersports like tubing, water skiing, and wakeboarding. Learn the importance of spotters, USCG approved life jackets, hand signals, and more to ensure safety for all participants and boaters.

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Boat Capacity Requirements



Discover the crucial capacity and carriage requirements that are essential for every boating voyage. This safety checklist will guide you in ensuring you have all the necessary items on board without overloading your boat, making your next boating journey safe and worry-free.

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*Products Included: Personal Auto, Boat, Motorhome, Travel Trailer, Snowmobile, Motorcycle, Commercial Auto.
**No. 1 rating based on 2021 boat market share. Data is sourced from