Jane Dotson
Progressive Home Insurance is a well-known insurance company that offers a wide variety of insurance options, including auto, home, life, and pet insurance. Progressive acts as a broker, working with multiple underwriting insurers to provide flexible options that meet homeowners' unique needs. Progressive's home insurance policies cover everything included in a standard home policy, such as damage to the house and attached structures, personal liability, medical payments, and temporary living expenses during repairs. The company also offers policy add-ons, such as water backup coverage and personal injury coverage. Progressive's rates are generally above average, but they provide solid financial assurance and a positive customer experience.
| Characteristics | Values |
|---|---|
| Company | Progressive |
| Type of insurance | Homeowners insurance |
| Buying process | Buy online without speaking to an agent or work with an agent or broker |
| Policy | Standard homeowners insurance includes coverage for the house, other structures on the property, belongings, personal liability, medical payments to others, and temporary living expenses while the home is being rebuilt or repaired |
| Add-ons | Water back-up coverage, personal injury coverage, identity theft, sinkhole collapse, mold, earthquakes |
| Discounts | Bundle policies, new home construction, new purchase, pay in full, quote in advance, receive documents by email, burglar alarm, fire alarm, security system, new home purchase, smart technology |
| Exclusions | Flooding, earthquakes, land- or mudslides, wear and tear, war and terrorism, nuclear hazards, animal and pest damage, water and sewer backup |
Explore related products
$14.37 $24.99
What You'll Learn
Progressive's home insurance coverage
Progressive offers a wide variety of insurance options, including home insurance. Progressive's home insurance policies are administered by a variety of insurance partners, allowing them to cater to a wide range of customer needs.
Progressive's standard homeowners insurance includes coverage for your house, other structures on your property, your belongings, personal liability, medical payments to others, and temporary living expenses while your home is being repaired or rebuilt due to covered losses. This includes damage to your house and attached structures, such as a damaged roof, as well as detached garages, gazebos, patios, sheds, and driveways.
Progressive also offers additional coverage options, such as water backup coverage, which pays for damage caused by sump pump failure or sewer line clogs. Personal injury coverage is also available, which covers legal fees for lawsuits like slander, libel, or wrongful eviction.
The cost of Progressive's homeowners insurance policies is determined by factors such as location, type of home, roof construction, and prior claims. Progressive offers various discounts, including bundling policies, new home construction, new purchase, and paying in full.
It's important to note that Progressive's home insurance policies do not cover certain perils, including flooding, earthquakes, land or mudslides, and wear and tear.
Progressive allows customers to buy homeowners insurance online without speaking to an agent, making it quick and convenient. However, for more complicated insurance needs or questions about coverage, working with an agent or broker is recommended.
Locksmith Services: Are They Covered by Home Insurance?
You may want to see also
Explore related products
Discounts and savings
Progressive Home Insurance is known for its low rates, but it offers limited coverage perks compared to other insurance companies. Progressive acts as a broker, working with multiple underwriting insurers to provide flexible options that meet homeowners' unique needs.
Progressive offers multiple discounts, including:
- Bundle policies discount: Policyholders who insure both their home and auto with Progressive save an average of 5-9%.
- New home construction discount: Discounts are available for newly built homes.
- New purchase discount: Available for customers who buy a new home (it does not need to be newly built to qualify).
- Pay-in-full discount: Annual policies paid in full are eligible for savings.
- Quote in advance discount: Requesting a quote at least 10 days before the policy start date can result in a discount.
- Paperless discount: Savings are available by opting to receive documents by email.
- Claim-free discount: Progressive offers a claim-free discount, which, if removed, can cause the overall premium to be higher.
- Home update discount: Updating your home can qualify you for a discount.
- Smart technology discount: Homes with alarm systems, fire alarms, security systems, or cameras may be eligible for a discount.
- Single deductible: If you have Progressive car insurance and a homeowners policy with ASI (also known as Progressive Home), you may pay only one deductible for claims on both policies from the same incident.
- Other discounts: Depending on the insurer Progressive matches you with, you may qualify for other discounts, including those for new or newly purchased homes.
Homeowners Insurance: Electrical Problems Covered by State Farm?
You may want to see also
Explore related products
What isn't covered
Progressive's standard homeowners insurance includes coverage for your house, other structures on your property, your belongings, personal liability, and medical payments coverage to others. It also includes temporary living expenses while your home is being rebuilt or repaired due to a covered loss.
However, there are certain exclusions to Progressive's homeowners insurance coverage. Here are some scenarios that are typically not covered:
Excluded Perils
Progressive's homeowners insurance does not cover specific perils such as war and terrorism, nuclear hazards, and animal and pest damage. These are considered excluded risks, and any damage or loss resulting from these events would not be covered under the standard policy.
Flooding and Water Damage
Home insurance policies typically do not cover flooding, including damage caused by water backup from sewers, drains, or sump pumps. If you live in an area prone to flooding or have a sump pump in your basement, you may need to purchase separate water backup coverage or flood insurance to protect against these risks.
Earthquakes, Landslides, and Mudslides
Progressive's homeowners insurance does not cover damage caused by earthquakes, landslides, or mudslides. If you live in an area with a high risk of seismic activity, you may need to consider purchasing a standalone earthquake insurance policy to protect your home and belongings.
Wear and Tear
General wear and tear, such as an old roof that needs replacement, is generally not covered by homeowners insurance. However, if your roof is damaged by a covered peril, such as a storm or heavy winds, the repairs may be covered up to your policy's limits, minus any applicable deductible.
Motor Vehicles
Homeowners insurance from Progressive does not cover motor vehicles or damage to vehicles. If you need coverage for your car or other vehicles, you will need to purchase a separate auto insurance policy.
High-Value Items
There are typically coverage limits on certain types of personal property, such as jewelry, fine art, musical instruments, and collectibles. If you have valuable possessions, you may need to purchase additional coverage or endorsements to ensure they are adequately protected.
Mortgage Default Insurance: Calculating the Costs and Coverage
You may want to see also
Explore related products
Progressive's reputation
Progressive is a well-known name, largely recognized for its car insurance. However, it also offers homeowners insurance and has a solid reputation in this area. Progressive's home insurance reviews are generally positive, and the company ranked 4th in Insurance.com's Best Home Insurance Companies ranking for 2025, climbing from 10th place the previous year. Progressive's home insurance rates are above average, but the company's financial stability ensures its ability to pay claims. Progressive has also been at the forefront of technological advancements in the insurance industry, providing a strong digital experience for its customers.
Progressive acts as an agent or broker, matching consumers with a home insurer through the Progressive Advantage Agency, which works with about a dozen companies, including Homesite, National General Insurance, Nationwide, and American Strategic Insurance. Progressive shops around with multiple providers on your behalf, which can save time and help you find the right policy. The company's HomeQuote Explorer tool on its website allows you to get quotes from multiple insurers.
Progressive's homeowners insurance policies offer standard coverage, including dwelling, other structures, personal property, loss of use, and personal liability. However, it has been noted that Progressive lacks options for increased dwelling coverage, which may be valuable for homeowners in areas prone to disasters. Additionally, Progressive does not cover certain perils such as flooding, earthquakes, land or mudslides, wear and tear, and water and sewer backup unless endorsed.
Progressive offers various discounts on homeowners insurance, including bundling policies, new home construction, new purchase, pay-in-full, and quote-in-advance discounts. The company's Name Your Price tool allows customers to state their budget, and Progressive will find coverage to match. Progressive also provides discounts for homes with alarm systems or safety devices.
In terms of trust, Progressive has performed well, with 89% of its customers saying they trust the company and would recommend it to others. Overall, Progressive has a solid reputation for homeowners insurance, offering competitive rates, a user-friendly digital experience, and a range of coverage options, although it may not be the best choice for those seeking increased dwelling coverage or living in areas prone to specific perils.
Farmers Insurance and the DNC List: What You Need to Know
You may want to see also
Explore related products
Buying Progressive insurance
Progressive is a well-known name in the insurance industry, largely recognised for its car insurance policies. However, it also offers a wide variety of insurance options, including homeowners insurance. Progressive acts as a broker, working with multiple underwriting insurers to provide flexible options that meet homeowners' unique needs.
Progressive's homeowners insurance policies cover everything included in a standard home policy. This includes damage to your house and attached structures, as well as other structures on your property that are not permanently attached to your house, such as detached garages, gazebos, patios, sheds, pergolas, fences, and driveways. Personal property coverage protects items such as furniture, clothes, and electronics if they are stolen, damaged, or destroyed. Progressive's policies also include personal liability coverage, which protects you financially if you are responsible for someone's injuries or damage to their property. Additionally, Progressive offers loss of use coverage, which covers expenses above what you'd normally pay if your home is damaged and you can't stay there while it's being repaired or rebuilt.
Before purchasing Progressive homeowners insurance, it is important to understand the limitations of the policy. Progressive's policies generally won't cover flooding, earthquakes, land- or mudslides, wear and tear, animal and pest damage, or water and sewer backup unless endorsed. Additionally, Progressive does not offer increased dwelling coverage options, which may be valuable for homeowners in areas prone to disasters.
When considering Progressive homeowners insurance, it is recommended to shop around and compare quotes from multiple insurers. Progressive allows you to get quotes from multiple insurers through its HomeQuote Explorer tool on its website. You can also work with an agent or broker who can shop around on your behalf and guide you in choosing the right coverage options. Progressive offers various discounts, such as bundling policies, new home construction, paying in full, and quoting in advance.
If you decide to proceed with Progressive, remember not to cancel your existing home insurance until the coverage start date of your new policy. Provide your mortgage lender with a new declaration page outlining the coverage of your Progressive policy.
Homeowner's Insurance: What to Know About Injuries on Your Property
You may want to see also
Frequently asked questions
Standard homeowners insurance includes coverage for your house, other structures on your property, your belongings, personal liability, medical payments coverage to others, and even temporary living expenses while your home is being rebuilt or repaired due to a covered loss.
The cost of a homeowners insurance policy is determined by several factors, such as your location, type of home, roof construction, and prior claims. Progressive offers a HomeQuote Explorer tool to get a quote online.
Homeowners insurance policies generally won't cover flooding. If you live in an area prone to flooding, you may need a separate flood insurance policy.
Progressive acts like an agent or broker, shopping with multiple third-party providers on your behalf. You can get a quote online or by calling for advice.
Yes, you may qualify for an auto discount by bundling your coverage.
