ive had all my boats insured under progressive and had to use it on my bass boat after hitting something submerged and put a hole in the fiberglass. they was real quick and had no problems paying for it. didn't cost me a dime out of pocket, the total cost absorbed the deductible for me. and my premium never went up afterward either. I have my 2014 alweld with tohatsu 40 insured also with $4,000 in personal property and its only $30/month. id say its worth it.
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