I've had Progressive Insurance for years, last renewal was $254 for the year. I did have one claim about 5 years ago they paid on after doing a little research, had to get them a price list from England and the cost of a Smythe main. I sail a Dart20 and that time had a Smythe main that was torn, mast dented... when the boat was picked up off the beach by the remnant weather of a water spout that showed up off of Clearwater Beach. We did a reenactment for the weather channel that I heard is still playing.