Someone posted this before so i checked and you can add complete coverage, it only cost me $10 more a month.

I tried state farm too and they wouldn't cover mine, i think their reason was nothing over 500hp total but that could have been my agent

Seems like if you gernade it, you broke it yourself, if you try to claim, seems maybe they could turn around and get you for some type of fraud.

That still won't be covered but progressives standard policy it to prorate it even if you were to hit something floating or submerged, for a little more per month you can get that covered 100%.