RELEASE 14
Recreational Products Reference Card Boat/Personal Watercraft
Motorcycle/Off-Road Vehicle
Motor Home/Travel Trailer
General acceptability
General acceptability
General acceptability
• NEW Increased acceptability for watercraft:
• Cruisers, touring bikes, limited production cruisers, dirt bikes, sport bikes, ATVs, mopeds, scooters, golf carts, snowmobiles, Segways®
• Motor homes up to $500,000 in value—Conventional motor homes, mini-motor homes, camper vans, toterhomes, and professional and nonprofessional bus conversions
Specialty coverages
• Travel trailers up to $300,000 in value—Conventional travel trailers, fifth-wheels, pop-ups, mounted truck campers, toy haulers, and horse/cargo/utility trailers
• Value—$500,000 (increased from $350,000) for boats up to 10 years old; $350,000 for boats between 11 – 20 years old; $75,000 (increased from $40,000) for boats more than 20 years old (select ZIP codes in hurricane-prone states up to 35 feet in hull length and $175,000 in value) • Up to 700 horsepower for single engines/1,400 horsepower for twin engines on cruisers, motor yachts, and ski/wake boats with inboard or inboard/outboard engines • Engine configuration—Triple engines are now acceptable on certain outboard motor boats • Personal watercraft (PWC) up to $27,000 in value • Boats up to 75 mph (bass boats up to 90 mph) • Navigational areas: Inland lakes, rivers, and waters within 75 miles of the coast of the U.S. and Canada; 125-mile navigational limit endorsement available, which includes Bahamas
Specialty coverages • NEW Hurricane Haul Out coverage—Reimburses the customer 50% of the cost incurred to haul out their boat due to severe weather conditions • Actual Cash Value (ACV)—Pays lower of ACV or value listed on declarations page • Agreed Value (AV)—Pays value listed on declarations page in event of total loss • Total Loss Replacement (TLR)—Replaces current boat with new boat • Total Loss Coverage (TLC)—Pays the MSRP of a current model year PWC of the same make/model for a total loss • Sign & Glide® coverage—Help comes to your customer if they’re stranded on the water and need fuel, a jump, or tow • Propulsion Plus® coverage—Provides coverage for the lower units of outboard motors, and the upper and lower units of inboard/outboard motors in the event of a mechanical breakdown, including those caused by wear and tear • Trailer Trip Interruption coverage pays for meals, transportation, and lodging if you have a trailer or tow vehicle breakdown or accident while towing your watercraft more than 100 miles from home • Disappearing Deductibles—Deductible reduced by 25% following each claim-free policy period; included with TLR and AV, and now available to purchase with ACV coverage • Primary Replacement Cost Fishing Equipment—$10,000
• NEW Safety Riding Apparel coverage—In the event of a covered loss, $500 protection included for helmets, eye wear, gloves, jackets, leathers, and boots; additional coverage available up to $3,000 can be purchased when at least one vehicle has Comprehensive/Collision • Carried Contents® coverage pays to replace hunting, camping, touring, or similar gear that is carried while riding if damaged, destroyed, or stolen as a result of a covered loss • Enhanced Injury Protection, which covers a portion of income loss or death benefit as the result of a covered accident • Disappearing Deductibles—Deductible reduced by 25% following each claim-free policy period; included with TLC, and now available to purchase with AV and ACV coverages • Accessory coverage provides $3,000 coverage for no extra premium. Additional coverage may be purchased, providing coverage up to $30,000. This is depreciation free. Please be sure to get an itemized list of accessories and prices. • Transport Trailer coverage available up to $10,000 • Medical Payments available up to $25,000 • Roadside Assistance—24 hours a day, 7 days a week; now available for Liability Only policies (includes tow vehicle) • Trip Interruption—Pays up to $500 for lodging, alternative transportation, and food while the motorcycle is being repaired in the event of a mechanical breakdown or covered loss more than 100 miles from home • Motorcycle Rental coverage—Coverages transfer to a rental or loaner motorcycle
Special review risks • Limited production motorcycles up to $50,000 • Motorcycles 25 years and older up to $50,000
Loss settlement • Total Loss Coverage—Pays the MSRP of a current model year motorcycle, ATV, or snowmobile of the same make/model for a total loss
Specialty coverages • NEW Pest Damage ProtectionSM—Provides coverage for damage to motor homes and nonstationary travel trailers caused by rats, mice, insects, birds, other nondomesticated animals, or other rodents and vermin • NEW Roof Protection Plus®—Provides coverage to repair or completely replace the vehicle’s roof if it’s damaged; this coverage includes general wear and tear, and damage to other parts of the vehicle caused directly by the roof’s malfunction • Total Loss Replacement—Replaces current RV with new RV • Agreed Value—Pays value listed on declarations page in event of total loss • Actual Cash Value—Pays lower of ACV or rating base • Comprehensive coverage is now available without Collision on ACV policies • Disappearing Deductibles—Deductible reduced by 25% following each claim-free policy period • Roadside Assistance—24 hours a day, 7 days a week • Emergency Expense—Pays for temporary living facilities, transportation, food, fuel, and cost of returning the RV in event of covered loss more than 50 miles from home—up to $7,500 • Vacation Liability—Pays up to specified limits ($500,000 max) for which the insured is legally liable as a result of an accident that occurs while the RV is being stored or used as a temporary vacation residence • Mexico Physical Damage coverage included with Comprehensive and/or Collision • Fire Department Service Charge coverage included with Comprehensive and/or Collision • Primary Replacement Cost Personal Effects—Up to $99,000 • Motor Home Utility Trailer coverage—Up to $20,000 • Windshield coverage—$0 deductible option available • Pet Injury coverage included with Comprehensive and Collision coverages—up to $1,000
Full timer’s package
• Actual Cash Value—Motorcycles with resale values available in the N.A.D.A. Appraisal Guide or Kelley Blue Book
• Required if the insured uses their RV as a primary residence; primary residence is defined as residing in the RV more than six months of the year
• Agreed Value—Motorcycles with no resale values available in the N.A.D.A. Appraisal Guide or Kelley Blue Book and motorcycles 25 years and older (maximum insurable value $50,000)
• Full Timer’s Personal Liability
Liability only
• Full Timer’s Loss Assessment
• Wreckage Removal—Pays reasonable costs incurred by insured for any attempted raising, removal, or destruction of the wreckage; included with Comprehensive and Collision coverage, or Liability coverage when required
• State-assigned VIN
• Storage Shed Contents coverage
• Any specially constructed or assembled motorcycle, including but not limited to: nonfactory built, built from a kit, or has an after-market frame
Note: RVs rented or leased are unacceptable.
• Water Sports coverage—Automatically included when Liability and Medical Payments coverages are purchased; Water Sports coverage covers bodily injury or property damage caused by persons towed by a covered vehicle for water sports such as water skiing, knee boarding, wake boarding, and tubing
• Motorcycles, mopeds, or scooters not listed in the Kelley Blue Book or N.A.D.A. Appraisal Guide
• Primary Replacement Cost Personal Effects—$5,000 • Roadside Assistance—24 hours a day, 7 days a week • Medical Payments available up to $25,000 • Fuel Spill Liability—Coverage for unintentional oil or fuel spills that result in bodily injury or property damage
• Uninsured Boaters—Pays a covered person occupying a boat or PWC for bodily injuries caused by the owner or operator of an uninsured/underinsured boat or PWC • Pet Injury coverage is included with Comprehensive and Collision coverages—up to $1,000 All coverages are subject to policy terms and conditions and are not available for all products in all states. Proprietary & Confidential. Policies are underwritten by the following companies: Progressive Casualty Ins. Co., Progressive American Ins. Co., Progressive Specialty Ins. Co., Progressive Southeastern Ins. Co., Progressive Northern Ins. Co., Progressive Preferred Ins. Co., Progressive County Mutual Ins. Co., Progressive Gulf Ins. Co., Progressive Northwestern Ins. Co., Progressive Classic Ins. Co., Progressive Bayside Ins. Co., Progressive Premier Ins. Co. of Illinois, Progressive Paloverde Ins. Co., Progressive Northeastern Ins. Co., Progressive Security Ins. Co., Progressive Express Ins. Co., and Progressive Michigan Ins. Co. Headquartered in Mayfield Village, Ohio.
• Full Timer’s Medical Payments to Others
Progressive does not take a deduction for depreciation on partial losses. We’ll return vehicles to their pre-accident condition or better.