Progressive Homeowners Insurance Review 2022

Progressive home insurance is available primarily through third parties and may be worth buying if you already have Progressive car insurance.
Apr 27, 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Progressive home insurance policies come primarily from third parties. If you have a Progressive car insurance policy, you may qualify for an auto discount by buying homeowners insurance from one of the company's partners. Otherwise, you may be better off buying homeowners insurance directly from a company you're interested in rather than using Progressive as a broker.

Best for: Existing Progressive auto customers looking to bundle their policies.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Progressive home insurance pros and cons

Pros

Cons

Auto discount available for Progressive auto insurance customers.

Doesn't underwrite its own policies.

Can choose which insurance company you purchase from — uncommon for an insurer selling affiliate policies.

Must file a claim through the company that underwrites your policy.

About Progressive home insurance

Progressive matches consumers with a home insurer through the Progressive Advantage Agency, which shops around with multiple companies on your behalf. Which insurer you purchase your policy from depends on how you buy: online, over the phone or through an agent.

Options include insurance companies like Homesite, National General Insurance, Nationwide and American Strategic Insurance, a Progressive subsidiary now known as Progressive Home.

You can get a quote and purchase a policy online, by phone or from a local agent. But your policy will come from a different company, and claims will go through that home insurer, not Progressive.

State availability

Progressive can match you with a homeowners insurance company in every state except Alaska and Hawaii.

Progressive home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Medical payments

Covers injuries to guests in your home, regardless of fault.

Optional coverage may be available depending on your insurer and location, and could include:

  • Water backup coverage for water damage from a backed-up sump pump or sewer system.

  • Personal injury coverage to pay for legal fees and damages stemming from slander, libel, wrongful evictions, false arrests, detentions or imprisonment.

  • Extended replacement cost coverage to provide a 25% to 50% increase in dwelling coverage. This coverage pays to replace your house with new materials and appliances should they be destroyed in a covered claim.

  • Extra valuables coverage to raise your limits for expensive items like jewelry or art.

Discounts

You could save on your auto policy if you purchase a homeowners policy through Progressive and are already a car insurance customer. Depending on the insurer Progressive matches you with, you may qualify for other discounts, including:

  • Homes with alarm systems and safety devices.

  • Getting a quote at least 10 days in advance of the policy start date.

  • Paying your premium in full.

  • Receiving policy documents electronically.

  • New homes.

Single deductible is available for car insurance customers who purchase a homeowners policy through Progressive Home. If both your car and home are damaged in the same incident, one deductible payment covers both claims.

If you hire a contractor from Progressive’s contractor network after a claim, you may get a discounted price on covered repairs.

Homeowners insurance buying guide

You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:

  1. Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.

  2. Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.

  3. Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.

  4. Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.

Customer experience

Website: On Progressive’s website, you can get quotes from multiple insurers through the company's HomeQuote Explorer tool. The site also has a robust answers page dedicated to educational articles and FAQs.

App: Although Progressive has an app, you can't currently use it to manage homeowners policies.

How to file a homeowners insurance claim

File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.

Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.

Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.

For more information, see how to file a homeowners insurance claim.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Frequently asked questions
Does Progressive offer mobile home insurance?

As with homeowners insurance, Progressive’s mobile home insurance is available through third parties. Depending on which insurer you end up with, you may be able to add trip collision coverage, which pays out if your mobile home is damaged while in transit. Learn more about manufactured and mobile home insurance.

What other types of insurance does Progressive offer?

As with homeowners, Progressive sells renters and condo insurance through third parties. Progressive offers its own auto, boat, motorcycle and ATV insurance. To learn more, see NerdWallet’s Progressive auto insurance review.

Does Progressive home insurance cover water damage?

It depends on how the damage happened. Say a pipe bursts and ruins your carpet and drywall; that would be covered because it was a sudden accident that took place within your house. But if the damage comes from a slow leak that you haven’t gotten around to fixing, that wouldn’t be covered. Nor would flooding from an external source, such as a river overflowing its banks. For that, you’ll need separate flood insurance.

Depending on which third-party insurer Progressive matches you up with, you may be able to add water backup coverage, which pays out if your sump pump fails or a sewer line clogs.

Who does Progressive use for homeowners insurance?

Progressive Advantage Agency works with about a dozen different companies to provide various types of home insurance. These include Nationwide, Homesite and National General.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.