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post #6 of Old 03-19-2012
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Re: Hello Sailnet Community!

Limitations of Boat and Personal Watercraft
The following coverages are not available with Progressive boat and personal watercraft insurance:

•Physical Damage coverage on boats more than 15 years old and worth more than $20,000 (in some states, the maximum is boats more than 20 years old and worth more than $40,000)
•Physical Damage Only policies
•Engine/Motor Only coverage
Certain types of boats/PWCs cannot be insured with a Progressive boat or personal watercraft insurance policy. The following list is a sample of what we cannot insure with boat or personal watercraft insurance:

•Boats over 50 feet in length and/or with values over $250,000 (in some states, the maximum is boats over 35 ft. in length and/or over $175,000 in value)
•PWC valued over $27,000
•Boats with max speed exceeding 75 mph
•Boats that do not meet published U.S. Coast Guard standards
•Boats used as a primary residence ("Live Aboards")
•All amphibious land boats, hovercraft or airboats
•Homemade boats without a serial number
•Houseboats that do not have motors
•Boats with more than two owners


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