Recreational Products Reference Card
Boat/Personal Watercraft
General acceptability
NEW Increased acceptability for watercraft:
• 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
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
• 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
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
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
Motorcycle/Off-Road Vehicle
General acceptability
Motor Home/Travel Trailer
General acceptability
Cruisers, touring bikes, limited production cruisers, dirt bikes, sport bikes, ATVs, mopeds, scooters, golf carts, snowmobiles, Segways®
Specialty coverages
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
Actual Cash Value—Motorcycles with resale values available in the N.A.D.A. Appraisal Guide or Kelley Blue Book
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)
Liability only
State-assigned VIN
Any specially constructed or assembled motorcycle, including but not limited to: nonfactory built, built from a kit, or has an after-market frame
Motorcycles, mopeds, or scooters not listed in the Kelley Blue Book or N.A.D.A. Appraisal Guide
Motor homes up to $500,000 in value—Conventional motor homes, mini-motor homes, camper vans, toterhomes, and professional and nonprofessional bus conversions
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
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
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
Full Timer’s Personal Liability
Full Timer’s Medical Payments to Others
Full Timer’s Loss Assessment
Storage Shed Contents coverage
Note: RVs rented or leased are unacceptable.
Progressive does not take a deduction for depreciation on partial losses. We’ll return vehicles to their pre-accident condition or better.
Advance Quote
When customers initiate a quote at least one day before their policy begins. Discount varies based on number of days in advance.
Responsible Driver When none of the listed operators have a driving record surcharge applied to the policy.
Homeowner When the insured owns a home.
Paid In Full When the insured pays 100% of the policy premium at the point of sale.
Transfer At new business when prior insurance qualifies as continuous.
Multi Vehicle When there is more than one vehicle insured on the policy. (Motorcycle only—discount based on number of vehicles.)
Multi Policy
Electronic Funds Transfer (EFT)
Prompt Payment
When the customer has another type of policy in force with Progressive. The other policy may cover an automobile, boat, motorcycle, manufactured home, motor home, snowmobile, travel trailer, or commercial auto.
When automatic payments are set up to be deducted from the customer’s bank account.
We’ll apply the Prompt Payment Discount to all new business policies and to renewal policies that have been in effect for at least 12 continuous months and have had no late fees or nonsufficient funds (NSF).
Claim Free Renewal At renewal when no at-fault or comprehensive claims greater than or equal to $1,000 were filed during the previous policy period.
Original Owner* When the first issued title remains with the current owner.
Safety Course* For operators who have successfully completed a state-approved safety course in the past three years.
Association For active members of select associations.
Watercraft types
MOTORCYCLE AND OFF-ROAD
Advance Quote
When customers initiate a quote at least one day before their policy begins. Discount varies based on number of days in advance.
Responsible Driver When none of the listed operators have a driving record surcharge applied to the policy.
Homeowner When the insured owns a home.
Paid In Full When the insured pays 100% of the policy premium at the point of sale.
Transfer At new business when prior insurance qualifies as continuous.
Multi Vehicle
Multi Policy
Electronic Funds Transfer (EFT)
Prompt Payment
When there is more than one vehicle insured on the policy. (Motorcycle only—discount based on number of vehicles.)
When the customer has another type of policy in force with Progressive. The other policy may cover an automobile, boat, motorcycle, manufactured home, motor home, snowmobile, travel trailer, or commercial auto.
When automatic payments are set up to be deducted from the customer’s bank account.
We’ll apply the Prompt Payment Discount to all new business policies and to renewal policies that have been in effect for at least 12 continuous months and have had no late fees or nonsufficient funds (NSF).
Claim Free Renewal At renewal when no at-fault or comprehensive claims greater than or equal to $1,000 were filed during the previous policy period.
Safety Course* For operators who have successfully completed a state-approved safety course in the past three years.
Association For active members of select associations.
LoJack® * Applies to the Comprehensive coverage when a LoJack® stolen vehicle recovery transmitter is installed.
Anti-Lock Brake* Applies when the vehicle has an anti-lock brake system.
Motorcycle License/ Endorsement* When the operator has a valid motorcycle license.
Motorcycle/off-road vehicle types
MOTOR HOME AND TRAVEL TRAILER
Advance Quote When customers initiate a quote at least one day before their policy begins. Discount varies based on number of days in advance.
Responsible Driver When none of the listed operators have a driving record surcharge applied to the policy.
Homeowner When the insured owns a home.
Paid In Full When the insured pays 100% of the policy premium at the point of sale.
Transfer At new business when prior insurance qualifies as continuous.
Multi Policy When the customer has another type of policy in force with Progressive. The other policy may cover an automobile, boat, motorcycle, manufactured home, motor home, snowmobile, travel trailer, or commercial auto.
Electronic Funds Transfer (EFT) When automatic payments are set up to be deducted from the customer’s bank account.
Prompt Payment
We’ll apply the Prompt Payment Discount to all new business policies and to renewal policies that have been in effect for at least 12 continuous months and have had no late fees or nonsufficient funds (NSF).
Claim Free Renewal At renewal when no at-fault or comprehensive claims greater than or equal to $1,000 were filed during the previous policy period.
Original Owner* When the first issued title remains with the current owner.