I've been with USAA for over forty years, so I get a dividend in December and a senior member bonus in February. The USAA Brokerage places boats with Progressive, and Progressive always recognizes that relationship when I call, which is infrequent. To do a price comparison, you need to consider boat coverage ($10,00? $75000?, etc,) deductible, liability, additional coverages e.g. towing, med pay, personal equipment, electronics, lay-up clause and area of navigation. Some companies will add small boats to your homeowner policy super cheap. It's a little more complicated than car insurance, so just giving a $$ amount needs clarification. Service is really where to be, and that's hard to quantify.
I had a claim with Progressive several years ago. They did a good job. If you can qualify for USAA, it's worth a call to see.
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