Switched to Progressive for my boat and waverunner. Their rate for both together was cheapper than I was paying for the boat alone. a few months later a storm blew the waverunner off the lift and waves threw it accross my pier. The fiberglass hull was dammaged and it took on water. I filled a claim with Progressive and they denied it. Stating that the fiberglass must have been weak. We went back and forth but the bottom line was that they refused to pay.