Progressive Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official consumer-facing watercraft program pages, but no formal broker/producer-only underwriting appetite guide or submit-business page was found on Progressive’s public site for boat/watercraft. Current published positioning indicates Progressive writes personal boat/watercraft risks year-round and supports quotes for multiple recreational classes including pontoons, powerboats, sailboats, and PWCs. Coverage messaging suggests preferred business includes owner-operators seeking liability plus physical damage, trailerable recreational boats, original-owner newer boats eligible for total loss replacement, and insureds wanting optional enhancements such as Sign & Glide on-water towing, fishing equipment/carry-on items, trailer trip interruption, hurricane haul-out, and Propulsion Plus mechanical breakdown for outboards and I/O units. Published restrictions/limitations include no coverage for parasailing, kite boarding, or similar pulled-through-the-air activities under water sports coverage; Propulsion Plus does not apply to jet drives or inboard motors; total loss replacement is only available when the insured is the original owner and the boat is no more than one model year old at purchase; and some pricing/coverage features are not available in all states. Geographic notes: Progressive states only Arkansas, Utah, and Hawaii have laws requiring boat/PWC insurance, while marinas and lenders may impose their own insurance requirements; hurricane haul-out applies when the National Weather Service issues a tropical storm or hurricane watch/warning for the county where the boat is located; certain program elements vary by state, and Progressive notes the basic liability offering referenced on the site is not available in D.C. Submission/placement notes: quoting is available online, by phone, and through independent agents; Progressive advertises immediate online quoting/coverage for some watercraft; state-approved boating safety courses, prior insurance, multi-policy, multi-boat, responsible-driver history, and association memberships may improve eligibility/pricing. Home line note: no verified public underwriting appetite page was found in this refresh for Progressive home from the requested carrier pages; the verified guidance found is for the boat/watercraft program only.