Jane Dotson
Progressive Home Insurance offers standard coverage for damages and repairs to your home, as well as add-ons for other structures on your property, personal belongings, temporary living expenses, personal liability, and medical payments. It also provides auto insurance, life insurance, and other protection policies, which can be bundled with home coverage for reduced rates. While Progressive offers competitive rates and various discounts, it has received mixed reviews for its claim handling and customer service. Some customers have expressed dissatisfaction with Progressive's response to their claims, particularly regarding flood damage and roof repairs. Progressive's availability and coverage options may vary depending on your location and specific needs.
| Characteristics | Values |
|---|---|
| Customer service | Poor |
| Claim handling | Poor |
| Cost | $675 to $2,045 annually |
| Deductibles | $500 to $5,000 |
| Discounts | Yes |
| Discount types | Bundle policies, new home construction, new purchase, pay in full, quote in advance, receive documents by email, new construction home/new purchase, burglar alarm, fire alarm, security system, camera in the home |
| Coverage | Dwelling, other structures, personal property, loss of use, personal liability, medical payments |
| Coverage exclusions | Flood, earthquake, mold/mildew, termites |
| Coverage limitations | No increased dwelling coverage |
| Availability | All 50 states and Washington, D.C., except Alaska and Hawaii |
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What You'll Learn
Progressive's customer service and claims handling
On the one hand, Progressive offers a variety of discounts and savings opportunities, such as bundling home and auto insurance, which can save customers up to 12% on average. They also provide a free online quote for home insurance and have a "Name Your Price" tool that allows customers to state their budget and find a policy within their price range. Additionally, Progressive offers standard coverage for damages and necessary repairs, as well as add-on coverage for other structures on the property, personal belongings, temporary living expenses, personal liability, and medical payments.
On the other hand, some customers have expressed dissatisfaction with Progressive's claims handling process. There are reports of denied claims, lowball offers, and issues with policy language leading to confusion and frustration. Progressive's homeowners insurance policies also have certain exclusions, such as damage caused by mould/mildew, floods, earthquakes, or termites, which can be a concern for customers in areas prone to flooding or other natural disasters.
It is worth noting that Progressive acts as an agent or broker, matching customers with home insurance providers from their list of partners. This means that the specific claims handling process and customer service experience can vary depending on the insurer the customer is matched with. While Progressive provides the initial quote and facilitates the purchase, the actual claims process is handled by the underwriting company.
Overall, Progressive's customer service and claims handling seem to be a mixed bag. While they offer competitive rates and discounts, there are concerns about their responsiveness and support during the claims process. As with any insurance company, it is essential to carefully review the policy documents, understand the coverage limitations, and be aware of any exclusions that may impact your specific situation.
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Discounts and savings
Progressive offers several discounts and savings opportunities to its customers. Firstly, Progressive offers a bundling discount for customers who have both car insurance and homeowner's insurance with them. This bundling discount can save customers an average of 5% to 9% on their auto insurance. Additionally, Progressive offers a new home construction discount for newly built homes, as well as a new purchase discount when buying a new home. Customers can also save money by paying for an annual policy in full and by requesting a quote in advance, at least 10 days before the policy starts. Progressive also offers a discount for receiving documents by email instead of paper mail.
Progressive provides standard home insurance coverage for damages and necessary repairs, as well as add-on coverage for other structures on the property, personal belongings, temporary living expenses, personal liability, and medical payments. They also offer a single deductible free in all policies, meaning customers only pay one deductible if they have a covered loss that would typically involve multiple deductibles.
Progressive's home insurance quotes can range from $675 to $2,045 annually, depending on location and coverage level, with deductibles ranging from $500 to $5,000. Progressive also has some of the highest sample premiums, and they do not offer common discounts such as loyalty, military, or claim-free discounts. However, they do offer a discount for having a burglar alarm, fire alarm, security system, or camera in the home. Overall, Progressive stands out for its superior home insurance rates, providing competitive pricing compared to its competitors.
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Coverage options
Progressive offers multiple types of insurance, including property coverage for homeowners. Progressive's coverage options depend on the company you're matched with. Progressive offers home insurance in 48 states, although coverage isn't available in some parts of Florida and the insurer recently stopped writing new policies in Texas. Progressive ranked at No. 4 for home insurance, with above-average rates but good scores in most categories. Progressive advertises itself as an affordable home insurance company, but whether it's cheap for you depends on your circumstances. People with poor credit typically face higher rates.
Progressive's homeowners insurance policies come with the types of coverage that are typical in most home policies:
- Dwelling insurance: Dwelling coverage pays to repair or replace your home if it is damaged by a problem covered by your policy, such as a fire or tornado. Progressive lacks options for increased dwelling coverage, which may be valuable for homeowners in disaster-prone areas.
- Other structures: This pays to cover damage to structures that are not attached to your home, such as a fence or shed.
- Personal property coverage: Personal property insurance pays to repair or replace your personal belongings, like your clothes, electronics, and furniture. Progressive offers coverage limits on certain types of personal property, like jewelry, fine art, musical instruments, and sports equipment.
- Liability coverage: Personal liability home insurance covers accidental property damage and injuries you or household members cause to others, such as someone who gets hurt on your property.
- Medical payments: Medical payments coverage pays the medical bills of non-household members who blame you for accidental injuries, without regard to fault. Coverage is typically in small amounts up to $5,000.
Progressive also offers temporary living expenses or loss of use coverage, which pays for extra bills incurred when you can't live at home due to a covered loss. You can customize your homeowners policy with numerous add-ons, but the company doesn't list many optional coverages for its home insurance policies. Progressive's website lets you get quotes from multiple insurers through its HomeQuote Explorer tool, and you can also bundle your home and auto policies to save money on your rates.
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Pros and cons
Progressive homeowners insurance offers a range of benefits, including:
- Superior home insurance rates compared to competitors, with opportunities to save money through bundling with auto insurance, new home construction, new purchase, and quote in advance discounts.
- Customizable policies with numerous add-ons to meet individual needs, including dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, and personal liability coverage.
- Availability in all 50 states and Washington, D.C., making it accessible to a wide range of customers.
- Free online home insurance quotes to help customers estimate their coverage needs and costs.
However, there are also several drawbacks to consider:
- Progressive has received criticism for its handling of claims, with some customers reporting difficulties in getting their claims approved and a lack of customer support.
- Progressive's home insurance policies do not cover damages due to mold/mildew, floods, earthquakes, or termites, which may be a concern for those in areas prone to natural disasters or flooding.
- The company does not offer common discounts such as loyalty, military, or claim-free discounts, which may be a disadvantage for long-term customers or those with a positive claims history.
- Progressive's sample premiums are among the highest, indicating that customers may need to pay higher rates for their coverage.
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User reviews
On the other hand, one user on ConsumerAffairs writes that their family has used Progressive Home Insurance for years, and that the company has "always [taken] care of my family and kids". The review goes on to praise Progressive's helpfulness and the breadth of their coverage options.
Other reviews focus on the cost of Progressive's home insurance policies. One review on Forbes highlights Progressive's superior home insurance rates, as well as their multiple discount opportunities. However, the same review criticises Progressive's lack of options for increased dwelling coverage, which may be valuable for homeowners in disaster-prone areas. Another review on Reddit reports that Progressive offered them a good quote on home insurance, but that they ultimately chose to go with a different company due to Progressive's poor reputation for customer service and claim handling.
Progressive's home insurance policies come primarily from third parties. The company acts as an agent or broker, shopping with multiple providers on the customer's behalf. Progressive offers a bundling discount for customers who insure both their home and auto with the company, as well as discounts for new home construction, new purchases, paying in full, and quoting in advance. However, Progressive does not offer common discounts such as loyalty, military, or claim-free discounts.
Progressive's home insurance policies cover damage to the home caused by fire, wind, hail, and other problems, but they do not cover damage due to mould/mildew, floods, earthquakes, or termites. The company also offers standard coverage for other structures on the property, personal belongings, temporary living expenses, personal liability, and medical payments.
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Frequently asked questions
Progressive Homeowners Insurance offers standard coverage for damages and repairs, as well as add-on coverage for other structures on the property, personal belongings, temporary living expenses, personal liability, and medical payments. They also offer auto insurance, which can be bundled with your home coverage for reduced rates.
Progressive Homeowners Insurance covers damage to your home caused by fire, wind, hail, roof issues, and other problems. However, it does not cover damage due to mold/mildew, floods, earthquakes, or termites.
The cost of Progressive Homeowners Insurance depends on your location and the level of coverage you need. Quotes can range from $675 to $2,045 annually, and deductibles cost from $500 to $5,000. Progressive offers various discounts, such as bundling policies, new home construction, and receiving documents by email.
