Progressive dropped on my 19 Ft skiff too this year. At least that's what the renewal letter said...but some other (new) fees did bring it back up a tad. They do seem to sell insurance at lower costs, have the reduced premium/deductibles each year policies if no claims.... but.....
As always with insurance...the cost of premiums only count when you have a large claim. All too often I hear bragging on insurance...then a couple years later the same person is not bragging but complaining about their insurance because they were dropped and/or denied a clam.
In my case with Progressive...they are the insurer offered through USAA who usually goes to bat for you as a broker so that gives me an ounce of confidence in them.... however, both my Progressive policies only insure toys that I can afford to lose and either replace without insurance claim money or live without.
That wasn't so with my liveaboard, so I was much more careful with who I insured with until I couldn't and sold the boat.
My Trinka 10' dinghy lives on a trailer in my garage.
