Progressive qouted me $181 on my prindle, with similar coverage to jakes, except that its an "agreed value" plan, I fax them a copy of the bill of sale, and the value of the boat never depreciates in there eyes. If it is totaled they write me a check for that value. Also with this my deductable startes at $500 but as time goes on the knock it down untill its zero. Naturally i will not be able to prove that I bought my bought for anywhere near the value that Jake purchased his for. I'm gonna check all state today, I'm not sure American Family covers california.