Progressive offers lower unit coverage. When I asked about it, the rep mentioned that if anything happens to the lower unit on the boat, I would be responsible for the deductible, but they would cover the rest on the lower unit repair, or a new lower unit. 

 

I thought this was pretty cool especially if you fish waters that have submerged stumps etc. I have not destroyed a lower unit yet, but I like the idea that my policy will cover it. My full coverage on a 2021 Triton TRX patriot costs me $50/ month. I did not think that was horrible bundled in with everything else that I have. 

 

Just wanted to share in case anyone had insurance that did not have that coverage, but may want it!

I am sure that my standard watercraft coverage already covers my outboard, which also includes my lower unit.  So I have no reason to have additional coverage on something that is already covered.

My insurance covered my lower the last time a broke one, farm bureau. I would imagine it’s the most common claim. It’s the first thing that hits the rocks and logs !

Collision deductible should cover everything.

15 hours ago, Jig Man said:

Collision deductible should cover everything.

 

Exactly. I called Progressive my insurer & asked if they cover damage to the motor's lower unit if you hit a rock. They told me yes its covered under collision damage minus the deductible. 

Progressives Propulsion Plus: We’ll pay to repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown. And yes, we’ll still cover it if it’s caused by general wear and tear.

 

 

On 12/10/2021 at 11:48 AM, InfantryMP said:

Progressive offers lower unit coverage. When I asked about it, the rep mentioned that if anything happens to the lower unit on the boat, I would be responsible for the deductible, but they would cover the rest on the lower unit repair, or a new lower unit. 

 

I thought this was pretty cool especially if you fish waters that have submerged stumps etc. I have not destroyed a lower unit yet, but I like the idea that my policy will cover it. My full coverage on a 2021 Triton TRX patriot costs me $50/ month. I did not think that was horrible bundled in with everything else that I have. 

 

Just wanted to share in case anyone had insurance that did not have that coverage, but may want it!

At this point the insurance may be more expensive than my boat after a year, yknow... one of the tin can aluminum boats ?

I've had Progressive with all my boats and they've always treated me well. Saved me a couple different times. 

13 hours ago, PressuredFishing said:

At this point the insurance may be more expensive than my boat after a year, yknow... one of the tin can aluminum boats ?

I have insurance on my johnboat. when I added it to my plan with my Stratos, my payment went up .01 a month ?‍♂️

On 12/13/2021 at 1:03 AM, Bluebasser86 said:

I've had Progressive with all my boats and they've always treated me well. Saved me a couple different times. 

I have insurance on my johnboat. when I added it to my plan with my Stratos, my payment went up .01 a month ?‍♂️

Huh, interesting for only a john boat, maybe I'll look into it, just maybe