Paul Sanchez
Progressive is a popular choice for homeowners insurance, offering policies in all 50 states and Washington, D.C. (except Alaska and Hawaii). The company provides standard coverage for damages and repairs, with add-ons for other structures, personal belongings, temporary living expenses, personal liability, and medical payments. Progressive also offers discounts for bundling home and auto insurance, new home construction, paying in full, and paperless billing. However, some customers have complained about their claim handling and customer service, and it's important to note that Progressive's policies don't cover damages due to mold, floods, earthquakes, or termites. Overall, Progressive can be a good option for homeowners insurance, especially for those looking for affordable rates and basic coverage.
| Characteristics | Values |
|---|---|
| Customer Service | Poor |
| Claim Handling | Poor |
| Discounts | Yes |
| Coverage | Standard |
| Customization | Yes |
| Availability | All states except Alaska and Hawaii |
| Affordability | Affordable |
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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 for its customers. For example, customers can save money by bundling their home and auto insurance policies, and Progressive offers a range of discounts for things like new home construction, receiving documents by email, and getting a quote in advance. Progressive also provides a range of tools, such as the HomeQuote Explorer® tool, which helps customers compare rates and coverages, and the personal property calculator, which helps customers estimate the value of their belongings. Additionally, Progressive offers 24/7 monitoring for break-ins and has resources to help customers understand their policies and claims process, such as an online glossary and FAQs.
On the other hand, some customers have expressed frustration with Progressive's claims handling process. Some customers have reported that Progressive denied their claims or offered low payouts that did not cover the full extent of the damage. There are also reports of customers feeling that Progressive was unhelpful and unresponsive during the claims process, with one customer stating that Progressive's handling of their claim was "unprofessional, dismissive, and completely lacking in customer service." Progressive's home insurance policies also have some notable exclusions, such as damage due to mould/mildew, floods, earthquakes, or termites, which can be a significant concern for homeowners in certain areas. Flood insurance, for example, needs to be purchased separately, and Progressive lacks options for increased dwelling coverage, which may be valuable for homeowners in areas prone to disasters.
Overall, Progressive's customer service and claims handling appear to be a mixed bag. While some customers have had positive experiences with helpful and responsive service, others have been left feeling dissatisfied and frustrated by the company's handling of their claims. It is important for homeowners to carefully review the terms and conditions of their policies and to understand the exclusions and limitations of their coverage to avoid unpleasant surprises in the event of a claim.
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Progressive's coverage options
Progressive offers standard coverage options that are typical of most home insurance policies. These include dwelling coverage, which pays to repair or replace a home damaged by a covered problem, such as fire or wind. It also covers other structures that are not attached to the home, like fences or sheds. Personal property coverage pays to repair or replace personal belongings, and liability coverage includes legal expenses and damages if the policyholder is responsible for injuries to others or their property. Progressive also offers coverage for temporary living expenses if a policyholder must live elsewhere while their home is repaired.
Progressive offers several discounts to customers, including for bundling policies, new home construction, new purchases, paying in full, and requesting a quote in advance. Customers can also save by going paperless and receiving documents by email. Progressive also offers a discount for having a burglar alarm, fire alarm, security system, or camera in the home.
However, Progressive does not offer some common discounts, such as loyalty, military, or claim-free discounts. Additionally, Progressive's coverage options do not include increased dwelling coverage, which may be valuable for homeowners in areas prone to disasters. Progressive also has a banned dog list, making owners of certain breeds ineligible for coverage.
Progressive's quotes range from $675 to $2,045 annually, depending on location and coverage level, with deductibles ranging from $500 to $5,000. Customers can select a higher deductible limit to lower their monthly fees, but this means they are responsible for covering that amount before Progressive's insurance coverage begins.
While Progressive offers competitive rates and various discounts, it is important to carefully review the coverage options, exclusions, and limitations before purchasing a policy.
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Discounts and savings
Progressive offers a range of discounts and savings opportunities for homeowners insurance. Firstly, Progressive provides standard discounts for bundling policies. Policyholders who bundle their home and auto insurance with Progressive can save an average of 9% on their premiums. Additionally, Progressive offers a new home construction discount for newly built homes, as well as a new purchase discount when buying a new home, regardless of whether it is newly constructed.
Another way to save with Progressive is by paying for an annual policy in full, which can result in significant savings. Requesting a quote in advance, typically at least 10 days before the policy start date, can also lead to a discount. Progressive also offers a discount for receiving policy documents by email instead of paper mail, helping to reduce paper waste.
Furthermore, Progressive provides a range of optional add-ons and endorsements to their homeowners insurance policies. These include coverage for other structures on the property, personal belongings, temporary living expenses, personal liability, and medical payments. By customising your policy with these add-ons, you can ensure you're only paying for the coverage you need.
Progressive also offers savings of up to 12% on car insurance when bundled with a home insurance plan. Additionally, they provide discounts for safety and security features in your home, such as burglar alarms, fire alarms, security systems, or cameras. Progressive's HomeQuote Explorer® tool allows you to easily compare rates and coverages to find the best option for your needs.
While Progressive offers these discounts and savings, it's important to note that they may not provide certain common discounts such as loyalty, military, or claim-free discounts. Additionally, Progressive has been criticised for its handling of claims and customer service, with some reviewers expressing dissatisfaction with their experiences.
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Progressive's reputation and reviews
Progressive Home Insurance has received mixed reviews. US News rated it seventh out of the best homeowners insurance companies, and it tied for third place for value in the consumer survey. However, it scored poorly in the same survey for claims handling and customer service. Forbes also rated Progressive highly for its superior home insurance rates, but noted that it lacks options for increased dwelling coverage.
Progressive has also received positive reviews from some customers, with some citing helpful customer service and good quotes. The company also offers a range of discounts, including for bundling policies, new home construction, and paying in full.
However, there have been several negative reviews, with some customers reporting issues with claims handling and customer service. Some customers have also reported problems with Progressive's coverage, with one customer stating that their policy did not cover damage to their siding. There have also been reports of Progressive denying claims and dropping insurance.
Overall, Progressive Home Insurance may be a good option for some homeowners, but it is important to carefully review the policy and consider the company's reputation and reviews before making a decision.
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Progressive's quote process
Progressive's quotes for homeowners insurance typically range from $675 to $2,045 annually, depending on your location and the level of coverage needed. The company offers various discounts to help reduce the cost of premiums, such as bundling policies, new home construction, and receiving documents by email. You can also save money by quoting at least 10 days in advance of your policy start date and having security features in your home, such as a burglar alarm or fire alarm.
Progressive's homeowners insurance policies cover typical areas, including dwelling coverage, which pays for repairs or replacement of your home in case of damage from fire, wind, or hail. It also covers other structures, personal property, loss of use, and personal liability. However, it's important to note that Progressive's policies do not cover damage due to floods, earthquakes, or mould/mildew.
Progressive also offers the Name Your Price tool, which allows you to input your budget, and they will find coverage options within that price range. This flexibility can be beneficial for those who want to balance their budget with adequate coverage.
While Progressive offers competitive rates and a straightforward quote process, it's important to carefully review the coverage details, exclusions, and endorsements to ensure that your specific needs are met. Some customers have expressed dissatisfaction with Progressive's claim handling and customer service, so it is advisable to consider your priorities and compare different insurers before making a decision.
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Frequently asked questions
Progressive Home Insurance offers a range of benefits, including discounts for bundling policies, new home construction, new purchases, paying in full, and requesting a quote in advance. They also offer a single deductible for claims on both auto and homeowners insurance policies from the same incident. Additionally, Progressive provides standard coverage for damages and repairs, add-on coverage for other structures, personal belongings, temporary living expenses, personal liability, and medical payments.
Progressive Home Insurance typically covers dwelling, other structures, personal property, loss of use, and personal liability. Dwelling coverage pays for repairs or rebuilding of your home in case of damage from fire, wind, hail, or other covered problems. It also covers detached structures like fences or sheds. Personal property coverage includes repair or replacement of personal belongings, while loss of use covers expenses for temporary housing and meals if you need to live elsewhere during repairs. Personal liability covers legal expenses and damages if you or your household members are responsible for injuries to others or their property.
Progressive Home Insurance does not cover damages due to mold, mildew, floods, earthquakes, or termites. It is important to note that flooding coverage may vary depending on your location, and separate flood insurance may be necessary if you live in an area prone to flooding. Additionally, Progressive's policies do not include common discounts such as loyalty, military, or claim-free discounts.
Customer reviews for Progressive Home Insurance are mixed. Some customers have praised Progressive for their helpfulness, great service, and competitive rates. However, others have expressed dissatisfaction with their claim handling, customer service, and denial of certain claims. It is always a good idea to read through a variety of reviews and consider multiple sources to make an informed decision.
