I'll respond to your original, unedited response to me. Yes......there was more to the story.
I have had Progressive for my boat only for several years based on conversations with Bob. They were one of the only ones that I could actually insure for real value with. In 2011 I had my boat sink while tied to shore up in Red Canyon. It cost over $4k to get it recovered and hauled back to Bull Frog and another $5k to get it back to original condition once I got it home. Progressive paid it all minus my deductible without a peep!