Our insurance is with Progressive. We had an incident about a year ago when an engine cooling line sprang a leak. A bit of a long story, but let's say we were lucky and leaned a few lessons. In the process of learning the lessons we had about $7000 damage. Because we have been with Progressive for 7 years between this and our previous boat they waived the delectable. Six months later our policy renewed, no increase in premium. They covered the entire cost, were fast and pleasant to deal with. It is worth a call to check the coverage. Based on our experience I wouldn't worry about a premium hike because of the claim.