Orlando Harmon
Progressive is a well-known insurance company that offers homeowners insurance policies in all states. The company provides standard coverage for your house, belongings, personal liability, and medical payments to others. Progressive also offers additional coverage for detached structures, water damage, and temporary living expenses. While Progressive doesn't underwrite all its policies, it acts as an agent, matching customers with insurers through the Progressive Advantage Agency. The cost of Progressive's homeowners insurance depends on various factors, including location, home features, and protective devices. The company offers several discounts, such as bundling policies and new home discounts. Overall, Progressive ranks well for home insurance, with positive reviews and competitive rates.
| Characteristics | Values |
|---|---|
| Home insurance coverage | Dwelling, other structures, personal property, personal liability, and loss of use/additional living expenses |
| Discounts | Bundling, new home construction, new purchase, pay in full, quote in advance, paperless billing, alarm systems, safety devices, new/switched renters insurance, and more |
| Exclusions | Flooding, earthquakes, landslides, mudslides, sinkholes, wear and tear, war, terrorism, nuclear hazards, animal and pest damage, water and sewer backup (unless endorsed) |
| Claim filing | Claims must be filed by phone with the company that underwrites the policy |
| Availability | All states except Alaska and Hawaii |
| Average annual rate | $3,193 at a standard sample coverage of $300,000 in dwelling and liability with a $1,000 deductible |
| Customer satisfaction | Ranked 4th in Best Home Insurance Companies for 2025; 89% of customers say they trust the company and would recommend it to others |
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What You'll Learn
Discounts and savings
Progressive is a well-known name in the insurance industry, particularly for car insurance. The company offers homeowners insurance policies in all states, either by writing its own policies or through its agency that provides quotes for other homeowners insurance companies.
Progressive's homeowners insurance policies cover everything included in a standard home policy, such as:
- Dwelling coverage: pays for damage to your house and structures attached to it, like a garage.
- Other structures coverage: pays for damage to structures not attached to your home, such as a fence or shed.
- Personal property coverage: protects items such as furniture, clothes, and electronics if they are stolen, damaged, or destroyed.
- Loss of use coverage: covers additional living expenses if you cannot stay in your home during repairs due to a covered loss.
- Personal liability coverage: protects you financially if someone is injured or their property is damaged on your property.
Progressive offers several discounts and savings opportunities for its homeowners insurance policies. Here are some ways to lower your premiums:
- Bundle policies discount: You can save an average of 5% to 9% on your auto insurance policy when you bundle it with your home insurance policy through Progressive.
- New home discount: If you have a newly built home or have recently purchased a new home, you may qualify for a discount.
- Pay-in-full discount: Paying your annual premium in full can result in savings on your policy.
- Quote in advance discount: Requesting a quote at least 10 days before your policy start date can help you save money.
- Paperless discount: Choosing to receive policy documents by email instead of paper mail can lead to additional discounts.
- Safety devices discount: Installing protective devices such as burglar alarms, smoke detectors, fire alarms, fire extinguishers, security systems, or cameras in your home may make you eligible for a discount.
- Home updates discount: Making updates to your home, such as roof repairs or improvements to plumbing and electrical systems, can result in savings.
- Smart technology discount: Implementing smart home technology or safety devices may qualify you for additional discounts.
It is important to note that the availability and eligibility for these discounts may vary based on your location and the specific insurer Progressive matches you with. Be sure to review the details of your policy and contact Progressive or your assigned insurer for more information on applicable discounts.
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What is covered
Progressive offers homeowners insurance in most states, including coverage for mobile/manufactured homes and condos. The company acts as an agent or broker, matching consumers with a home insurer through the Progressive Advantage Agency. The cost of a Progressive homeowners insurance policy is determined by several factors, including location, type of home, roof construction, and prior claims.
A Progressive homeowners insurance policy covers everything included in a standard home policy, such as:
- Dwelling coverage: This pays to repair or replace your home if it is damaged by a problem covered by your policy, such as a fire, tornado, or severe weather.
- Other structures coverage: This pays to repair or replace structures that are not attached to your home, such as a fence or shed.
- Personal property coverage: This protects items such as furniture, clothes, and electronics if they are stolen, damaged, or destroyed in a covered loss.
- Loss of use coverage: This covers expenses above what you would normally pay if you cannot stay in your home during repairs due to a covered loss.
- Personal liability coverage: This protects you financially if you are responsible for someone's injuries or damage to their property.
- Medical payments coverage: This covers damages or injuries to others that occur on your property.
Progressive also offers policy add-ons, such as water backup coverage and personal injury coverage, which covers legal fees for lawsuits such as slander or wrongful eviction. It is important to note that Progressive homeowners insurance policies generally do not cover flooding, earthquakes, landslides, mudslides, sinkholes, or general wear and tear.
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What isn't covered
Progressive's homeowners insurance offers powerful protection for your belongings, assets, and more. However, there are certain exclusions to what is covered by the policy.
Firstly, damage caused by natural disasters such as earthquakes, landslides, mudslides, and sinkholes is typically not covered. Similarly, flooding is generally not covered by homeowners insurance policies, and if you live in an area prone to flooding, you may need a separate flood insurance policy to protect your home and belongings.
General wear and tear, such as an old roof that needs replacing, are also usually excluded from coverage. However, it's important to note that if your roof is damaged in a storm or due to heavy winds, it may be covered up to your dwelling coverage limit minus any applicable deductible.
Additionally, motor vehicles are not covered under the homeowners insurance policy. This means that any damage to your car or other vehicles parked on your property would not be covered by this insurance.
Finally, it's important to carefully review the specific exclusions listed in your policy, as there may be other perils or types of damage that are not covered. These exclusions can vary depending on the insurer and the specific terms of your policy.
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How to file a claim
Progressive offers homeowners insurance in most states. However, Progressive acts as an agent or broker, matching consumers with a home insurer through the Progressive Advantage Agency. Therefore, you can't file a homeowner's claim on Progressive's website, unlike auto claims. Instead, you need to file a claim with the company that underwrites your policy.
- Report the incident: Contact your insurance company or agent as soon as possible and provide details about the incident. You can log in to your Progressive account to report a claim. Progressive policyholders without an account can register for one on the Progressive website.
- Make emergency repairs: Before filing a claim, you may need to make emergency repairs to prevent further damage to your property. Even if an item is damaged beyond repair, keep it until the claim is resolved.
- Document the damage: Take photos and videos of the damage to your home and any affected items. If the damage is due to a crime, you'll need to file a police report and provide a copy to your insurance company.
- Substantiate your loss: Establish what was lost, stolen, or damaged, including its worth. You may need to provide a list of claimed items and their estimated value.
- Complete the claim forms: Your insurance company will provide you with forms to complete, which you can fill out online, through an app, or by mail. Provide any requested documentation, such as photos, videos, and repair estimates.
- Receive an inspection: A claims adjuster may be assigned to your claim to inspect the damage in person. Determine the payment amount, minus any applicable deductibles.
- Make additional arrangements: If you need to make alternative living arrangements due to covered losses, keep receipts for any loss-of-use expenses that may be covered by your policy.
Remember, each home insurance claim process is unique, so be sure to consult your homeowner's insurance policy for specific expectations and procedures.
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Customer reviews
Progressive Home Insurance offers standard coverage for damages and necessary repairs, with add-ons for other structures on the property, personal belongings, temporary living expenses, personal liability, and medical payments. The company also provides auto insurance, life insurance, and other protection policies, which can be bundled with home coverage for reduced rates.
One customer shared that their family has used Progressive Homeowners Insurance for years and has always received great service. They appreciate the company's willingness to answer questions and provide assistance with anything related to home or auto insurance.
Another reviewer mentioned that Progressive offers standard home insurance with various add-ons, such as coverage for other structures, personal belongings, temporary living expenses, personal liability, and medical payments. They also highlighted the ability to bundle home and auto insurance for reduced rates.
On the other hand, a customer review on ConsumerAffairs.com warned others to avoid Progressive Home Insurance due to their terrible experience. They described the company's handling of their claim for a small bathtub leak as unprofessional and dismissive, lacking in customer care.
A separate review on the same website detailed a claim for hail damage to the roof caused by an F2 tornado. The reviewer expressed disappointment with Progressive's adjuster, who they felt did not adequately assess the full extent of the damage.
Progressive Home Insurance ranked 4th for home insurance in a survey by Insurance.com, with above-average rates but good scores across most categories. The survey also revealed that 89% of Progressive customers trust the company and would recommend it to others. Additionally, 93% of customers planned to renew their home insurance policy with Progressive.
In summary, while Progressive Home Insurance offers a range of coverage options and discounts, customer reviews highlight a mix of positive and negative experiences. While some customers appreciate the company's helpfulness and service, others have faced challenges with claims handling and adjuster responsiveness.
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Frequently asked questions
Progressive's homeowners insurance covers damage to your house and other structures on your property, your belongings, personal liability, and medical payments to others. It also includes temporary living expenses while your home is being rebuilt or repaired due to a covered loss.
The cost of Progressive's homeowners insurance policy depends on several factors, such as your location, type of home, roof construction, and prior claims. Progressive offers various discounts that can lower your rate, such as bundling policies, new home construction, and paying your premium in full.
Progressive is known for its low rates and positive customer reviews. However, it may not offer the same level of coverage as other insurance companies, especially in areas prone to disasters. Progressive also doesn't underwrite all its policies, so claims must be filed through the company that underwrites your specific policy.
