I bought a small 18' boat to take the family fishing with. My insurance carrier doesn't have boat insurance so, they refered me to Progressive (I will take this up with them later). After 5+ years of never filing a claim and paying them for coverage, I had to file a claim when my throttle lever was jamming and unable to shift. My boat only has like 25-30 hours on it and gets detailed every time it gets used. Non the less, I took my boat out of the water and towed it to my local repair shop. It turned out that moisture intrusion caused the problem with the gearbox. I know what you are thinking...it's a boat! Well, the fact is that it was mechanical failure as per the troubleshooter, mechanic and supervisor of the shop (authorities in this matter). This is the only reason I filed the claim. Progressive sent their "photographer" and the "non-authority in this matter" decided that it was my personnal fault. First off, I baby my boat and will never think to abuse it. My family and I love using our boat and want it to last. Anyway, almost $1,000.00 to repair my boat. I asked the insurance people we were tossed between if the personnel making the assessment were mechanics or certified to override the decisions of a "certified mechanic". After giving me all the run around, they never gave me a direct answer other than, "you are not going to be covered for this claim". Do I feel ripped off? You bet I do! Am I going to quit this insurance company? You bet I am. Would I recommend this insurance to anyone? You bet I won't. This is the kind of stuff that give insurance companies a bad name...and it should. I plan on making sure everyone knows of what they have done. To override the decision of a certified mechanic who specializes on my specific brand and type of boat. Ridiculous!!