Boat Engine Damage: Is It Covered By Progressive Insurance?

Progressive's boat insurance offers a range of coverage options to protect your watercraft in the event of damage, including engine damage. Depending on the cause of the engine damage, your policy's comprehensive or collision coverage may cover the cost of repairs or replacement, minus any deductibles. For example, if your boat's engine is damaged due to a collision with an object or another boat, or as a result of severe weather, your insurance may cover the cost of repairs or replacement. However, it's important to note that engine damage due to wear and tear or negligence is generally not covered under boat insurance policies.

Comprehensive coverage

It's important to note that comprehensive coverage does not cover maintenance or general wear and tear, including damage from animals or marine life. Additionally, if the damage is due to negligence, such as failing to properly winterize your boat, comprehensive coverage will not apply.

If you have comprehensive coverage with Progressive, your policy may also cover related damage, such as fuel spills and wreckage removal in the event your boat sinks. Progressive also includes wreckage removal and fuel spill coverage in every boat insurance policy, so you don't have to worry about additional costs if your boat sinks or you're responsible for a fuel spill.

Collision coverage

Under Progressive's collision coverage, you can rest assured that your boat will be protected in a variety of collision scenarios. For instance, if you collide with a submerged object, another boat, or even a dock, your policy will cover the resulting damages. This coverage even extends to situations where your boat capsizes, providing comprehensive protection for your vessel.

One of the key benefits of Progressive's collision coverage is the inclusion of engine damage. If your boat's engine is damaged due to a collision, you can rely on your policy to cover the repair or replacement costs. This coverage applies to both outboard and inboard/outboard motors, ensuring that you can get your boat back in working order without incurring hefty repair bills.

In addition to engine damage, Progressive's collision coverage also extends to other essential components of your boat. This includes furnishings, fittings, motors, anchors, fuel tanks, batteries, and onboard safety equipment. So, if any of these items are damaged as a result of a collision, you can have peace of mind knowing that they will be covered by your policy.

It's important to remember that collision coverage is just one aspect of a comprehensive boat insurance policy. At Progressive, we offer a range of coverage options to meet your specific needs, including comprehensive coverage, liability coverage, and specialised coverages like Sign & Glide® on-water towing and fishing equipment coverage. By tailoring your policy to your unique requirements, you can ensure that you have the protection you need to fully enjoy your time on the water.

Wear and tear

Boat insurance from Progressive does not cover general wear and tear. This includes gradual weathering and deterioration. However, Progressive offers an optional coverage called Propulsion Plus® mechanical breakdown coverage, which covers wear and tear. This add-on starts at $38/year and covers the repair or replacement of the lower unit of an outboard motor or the upper and lower units of an inboard/outboard motor in the event of a mechanical breakdown, even if it is caused by general wear and tear.

For example, if your 10-year-old lower unit stops working due to wear and tear, standard insurance policies typically wouldn't cover the cost of repair or replacement. However, with the optional Propulsion Plus coverage, Progressive will pay for the necessary repairs or replacements. This coverage is especially useful for older boats or engines that are more prone to mechanical issues due to age and extended use.

In addition to wear and tear, the Propulsion Plus coverage also includes protection for mechanical breakdowns caused by other factors. This comprehensive coverage ensures that you are prepared for a range of potential issues with your boat's engine and related components.

It is important to note that the Propulsion Plus coverage does not apply to jet drives or inboard motors. Additionally, standard boat insurance policies from Progressive cover a range of other incidents and damages, including collision, comprehensive, liability, medical payments, and more. These coverages provide financial protection in the event of accidents, injuries, property damage, and other unforeseen circumstances while boating.

Engine damage from covered incidents

If your boat's engine is damaged due to a covered incident, such as severe weather or a collision with an object, your policy's comprehensive or collision coverage may pay to repair or replace it. Comprehensive coverage protects your boat and its engine from damage caused by events outside your control, such as severe weather, theft, or vandalism. Collision coverage, on the other hand, protects your boat and its engine if you collide with another boat or object, regardless of fault.

For example, if your boat's engine is damaged due to a fire, comprehensive coverage can pay for the repairs, minus your deductible. Similarly, if your boat crashes into a dock and the engine is damaged, collision coverage may pay to replace your boat and its engine, minus your deductible. It's important to note that comprehensive and collision coverage are separate coverages, and you may need to purchase both to ensure protection for your boat's engine in different scenarios.

In addition to comprehensive and collision coverage, Progressive also offers Propulsion Plus® mechanical breakdown coverage. This optional coverage is specifically designed to protect your boat's engine and can cover the repair or replacement of the lower unit of an outboard motor or the upper and lower units of an inboard/outboard motor in the event of a mechanical breakdown, even if it's caused by general wear and tear.

It's important to note that engine damage due to negligence, such as failing to perform regular maintenance or oil changes, is typically not covered by boat insurance. Additionally, if the damage is due to gradual weathering and deterioration or damage from animals or marine life, it may also be excluded from coverage.

To summarize, while boat insurance generally doesn't cover engine damage due to wear and tear or negligence, comprehensive or collision coverage can provide protection if the engine is damaged due to a covered incident, such as severe weather or a collision. Additionally, optional mechanical breakdown coverage can offer further protection for your boat's engine, even in cases of general wear and tear.

Propulsion Plus® mechanical breakdown coverage

Progressive's Propulsion Plus® mechanical breakdown coverage is an optional extra for your boat insurance. It covers the repair or replacement of the lower unit of an outboard motor, or the upper and lower units of an inboard/outboard motor in the event of a mechanical breakdown. This includes breakdowns caused by general wear and tear, which are not usually covered by standard insurance policies.

The Propulsion Plus® coverage can be added to your policy for as little as $38 per year. It is worth noting that this coverage does not apply to jet drives or inboard motors.

Mechanical breakdown coverage is a good option to consider if you want to protect yourself from the cost of repairing or replacing your boat's engine in the event of a breakdown. Engine repairs or replacements can be costly, and this coverage can provide peace of mind that you will be financially protected in the event of a mechanical issue.

It is important to note that while the Propulsion Plus® coverage includes breakdowns due to general wear and tear, it does not cover damage caused by negligence, such as failing to perform regular maintenance or oil changes. Additionally, if your boat's engine is damaged due to a collision or severe weather, your policy's comprehensive or collision coverage may cover the cost of repairs or replacement, minus your deductible.

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