I DID call both and confirmed that they will take you and your bike to the "Nearest Qualified Shop". I asked if any Harley, Yamaha dealer or BillyBob small engine/cycle and Toaster repair shop fit that catagory and was promised that a "Honda" Cycle shop was the qualifier.
I asked them if the mileage made a difference, even if it was 200 miles away, and again, they said they would tow it to that location.
I called twice and spoke with different reps.....same answers.
It's doubtful Progressive's coverage is going to match all of the advantages that you can have with the HRCA plan, but I too have two towing packages to access if circumstances lean more in the direction of better coverage from one than the other. In the case of the HRCA plan you get "unlimited" mileage to the nearest Honda Dealer or authorized Honda repair facility. Most plans have a mileage limitation (I don't know about Progressive's, but it would be easy to check). Few if any plans also provide a per diem coverage for pre approved travel expenses in the event of a breakdown. I just had a good friend that used his HRCA plan on a trip and he got his motel room and meals covered while parts were being ordered and installed on a warranty issue that occurred away from home.
All that and HRCA reimburses you up to $75. annually for any MSF (ERC) classes you successfully pass. I always say the HRCA plan is a no - brainer for $39. annual fees (after the first free year provided by Honda on a new purchased Honda motorcycle) and it would be foolish to not have that kind of plan if you ever need it.
Keep the Progressive Plan too and use whichever one will give you the best and most comprehensive coverage for the particular breakdown.