Orlando Harmon
Progressive Home Insurance offers a range of coverage options for homeowners, including dwelling, other structures, personal property, loss of use, and personal liability. The cost of a Progressive homeowners insurance policy is determined by factors such as location, home value, and endorsements. While Progressive can provide competitive rates and discounts, there are mixed reviews regarding their claim handling and customer service. Some customers have expressed concerns about unexpected rate hikes and challenges with claim coverage. Progressive primarily acts as an agent, matching customers with third-party insurance providers. This means that claims and rates may vary depending on the partnered insurer. Overall, Progressive can be a convenient option for bundling home and auto insurance, but it is important for customers to carefully review the specific terms and conditions of their policies.
| Characteristics | Values |
|---|---|
| Pros | Affordable rates |
| Discounts for bundling with auto insurance | |
| Discounts for new construction home/new purchase, receiving documents by mail, and getting a quote in advance | |
| Available in all 50 states and Washington, D.C. | |
| Customizable coverage options | |
| Cons | Poor claims handling |
| Lack of transparency in policy language | |
| Does not offer common discounts such as loyalty, military, or claim-free discounts | |
| High sample premiums |
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What You'll Learn
Progressive's homeowners insurance is underwritten by Homesite
Progressive Home Insurance policies come primarily from third parties. Progressive acts as an agent or broker, shopping with multiple providers on your behalf. Progressive homeowners insurance is underwritten by Homesite, which is owned by American Family Insurance. Progressive partners with Homesite, as it does with several other insurance companies, to provide home insurance.
Progressive homeowners insurance covers everything included in a standard home policy. The basics are:
- Extra bills incurred when you can't live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
There are several other types of home insurance policies, but most contain the same basic components:
- Declarations Page: Usually the first page of your policy, your homeowners declaration page typically contains summary information
- Definitions: Explain the meaning of terms used in the policy
- Coverage: Details the extent of protection for both property (house, structures, contents) and liability (bodily injury or property damage to others for which you are liable) in your homeowners insurance policy
- Exclusions: Explanation of what is not covered by your homeowners insurance policy, under both property and liability coverage
- Conditions: Outline the responsibilities of both the insured and the insurance company under the policy
Progressive is a well-known name but is recognized more for car insurance than home insurance. Progressive writes its own homeowners insurance policies in all states and also operates an agency that provides quotes for other homeowners insurance companies. This can create confusion for home insurance shoppers, as the Progressive site isn’t clear about the differences. Progressive home insurance reviews are generally positive, and it earned fourth place in Insurance.com's Best Home Insurance Companies ranking for 2025, climbing from 10th place the previous year. Progressive home insurance rates are above average, but it's a big company with a solid financial footing that ensures the ability to pay claims.
However, some customers have complained about the company's business tactics, luring customers in with low-cost insurance premiums before blindsiding them with a massive, unjustified rate hike after six months. Some customers have also complained about the company's handling of claims, with one customer reporting that they had to pay for damage to their home caused by a flood because the "language" in their policy didn’t mention this situation directly so their claim wouldn’t be covered.
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Progressive's rates and discounts
Progressive's rates are determined by coverage type, location, and the driver's age and driving record. An average Progressive policy for someone with a good driving record is about $192 per month, but it could cost as little as $47 per month. Progressive also offers many discounts, such as safe driving, bundling, multipolicy, multicar, continuous insurance, student, and teen driver discounts, which can make the policy even more affordable.
Progressive acts as an agent or broker, shopping with multiple providers on your behalf. Progressive can match you with a homeowners insurance company in Washington, D.C., and every state except Alaska and Hawaii.
Progressive offers a bundling discount for customers who already have car insurance with them and are looking to buy a homeowners policy. If you have Progressive car insurance and a homeowners policy with ASI (an affiliate also known as Progressive Home), you could pay only one deductible if you have claims on both policies from the same incident.
The cost of a homeowners insurance policy is determined by several factors, including the home's ZIP code, the home's value, and any special endorsements for things like fine art or jewelry. The weather in your area can also affect your rate. For example, if you live in an area prone to hurricanes or wildfires, your rate could be higher.
Progressive offers a range of coverage options, including dwelling coverage, which pays to repair or rebuild the structure of your home, and personal property coverage, which pays to repair or replace personal belongings. Progressive also offers additional coverage options, such as rental reimbursement, which covers the cost of a rental car while your vehicle is being repaired, and deductible savings, which can help you save money during each policy period you don't make a claim.
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Pros and cons of Progressive's homeowners insurance
Progressive homeowners insurance has its pros and cons.
One of the pros is that Progressive acts as an agent or broker, shopping with multiple providers on your behalf, which can help save you time. Progressive also offers a bundling discount for customers who already have car insurance with them. You can also customize your homeowners policy with numerous add-ons, and Progressive provides a personal property calculator to help you determine the right coverage amount.
However, Progressive has been criticized for its handling of claims. Some customers have reported issues with adjusters denying their claims based on specific "language" in their policies, even in situations that should be covered. Progressive has also been accused of luring customers with low-cost insurance premiums initially, only to significantly increase rates after a few months. Additionally, Progressive does not offer some common discounts such as loyalty, military, or claim-free discounts.
Progressive's availability and rates vary depending on location. While it is available in all 50 states and Washington, D.C., rates are influenced by factors such as the home's ZIP code, value, and weather conditions in the area. Progressive also offers higher rates for customers with poor credit scores.
Overall, Progressive homeowners insurance can be a good option for those looking to bundle their car and homeowners insurance and take advantage of the associated discounts. However, it is important to carefully review the policy's terms and conditions to avoid surprises when filing a claim.
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Progressive's customer service and claims handling
Some customers have expressed dissatisfaction with Progressive's claims handling, noting that the company will try to pay out as little as possible. For example, one customer shared that their claim was denied due to specific "language" in their policy, resulting in unexpected costs. Progressive's customer service and claims handling were rated in the bottom half of a consumer survey by US News. Additionally, Progressive does not offer common discounts such as loyalty, military, or claim-free discounts.
On the other hand, Progressive offers competitive rates and various rewards and discounts for its auto insurance policies, making it a popular choice for many. Progressive also provides a bundling discount for customers who have both auto and homeowners insurance with them. The company offers a single deductible for customers with both auto and homeowners insurance, which can be advantageous in certain situations.
Progressive's homeowners insurance policies are available in all 50 states and Washington, D.C., except Alaska and Hawaii. The cost of a homeowners insurance policy is determined by factors such as the home's ZIP code, value, and any special endorsements for items like fine art or jewelry. Weather conditions in the area can also impact the rate. Progressive provides a personal property calculator and a home insurance calculator to help customers estimate their insurance needs.
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How to file a claim with Progressive
Progressive Home Insurance policies come primarily from third parties. Progressive acts as an agent or broker, shopping with multiple providers on your behalf. The company that underwrites your policy determines how you file a homeowners claim. Progressive matches consumers with a home insurer through the Progressive Advantage Agency, which shops around with multiple companies. Options include insurance companies like Homesite, National General Insurance, Nationwide and American Strategic Insurance, a Progressive subsidiary now known as Progressive Home.
To file a car accident claim with Progressive, you can call them, use their mobile app, or make your submission online. Progressive's contact number is 1-800-776-4737. You can call from the scene of the accident and follow up for more details later, or file later that day or the next day. However, you only have less than 72 hours to file your claim, or you risk losing your rights to recover benefits. When you contact Progressive, you can expect an agent to ask for basic information such as the details of the vehicles involved, license plate numbers, locations, and dates. Be careful not to admit fault while making your claim. If you did not cause the accident, you could expect a call from the other party’s insurance company, most likely an insurance adjuster.
You can also contact a car accident attorney who can help you file a claim. A lawyer can guide you on the best way of approaching the issue, especially before filing a claim. They can also help you develop an error-free record that can be used during negotiations or trials.
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Frequently asked questions
Progressive Home Insurance offers a bundling discount for customers who already have car insurance with them. They also offer a discount for new construction homes/new purchases, receiving documents by mail, and getting a quote in advance. Progressive Home Insurance is available in all 50 states and Washington, D.C.
Progressive Home Insurance covers dwelling, other structures, personal property, loss of use, and personal liability. Dwelling coverage pays to repair or rebuild the structure of your home. Other structures coverage covers damage to unattached structures such as sheds or fences. Personal property coverage pays to repair or replace personal belongings such as furniture or clothing. Loss of use coverage pays for hotel stays, restaurant meals, or other expenses if you have to live elsewhere while your home undergoes covered repairs. Personal liability covers legal expenses and damages if you're responsible for injuries to other people or their property.
Progressive Home Insurance does not offer some common discounts such as loyalty, military, or claim-free discounts. They have also received negative reviews for their claims handling and customer service. Additionally, some customers have reported issues with coverage denials and unexpected rate hikes.
Alternatives to Progressive Home Insurance include Nationwide, American Family, and Shelter Insurance. Nationwide offers diverse coverage options for homes, condos, apartments, farms, pets, and vehicles. They also provide retirement plans, annuities, and mutual funds, making them a good choice for bundling home and auto insurance. American Family and Shelter Insurance are also mentioned by customers as alternatives to Progressive Home Insurance.
