Progressive Renters Insurance Review 2024

Progressive sells its own renters insurance policies and those of a third-party carrier.
Sarah Schlichter
By Sarah Schlichter 
Updated
Edited by Caitlin Constantine

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insurance-product-card-logo

Progressive

Best for existing Progressive car insurance customers looking to save money with a bundle.

Pros

  • Offers Progressive auto customers a discount on their policy.
  • Other potential discounts available.

Cons

  • Sells its own renters insurance and policies from a third party, which could cause confusion over who’s servicing the policy.
insurance-product-card-logo

Progressive

Best for existing Progressive car insurance customers looking to save money with a bundle.

Pros

  • Offers Progressive auto customers a discount on their policy.
  • Other potential discounts available.

Cons

  • Sells its own renters insurance and policies from a third party, which could cause confusion over who’s servicing the policy.

About Progressive renters insurance

Progressive renters insurance policies come either from an affiliate called Progressive Home or from Homesite, a third-party company. If you need a renters policy for your home or apartment and you already have car insurance with Progressive, it’s worth checking renters rates to see if Progressive’s multipolicy discount can save you money.

We make every effort to rate each company we review. However, we’re sometimes unable to provide a NerdWallet star rating for insurers that work with multiple third parties to underwrite their policies. That’s because the quality of the policy you get may vary depending on the coverage options, financial strength and other factors of each separate underwriting company.

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.

Where Progressive stands out

Single deductible. Having to pay only one deductible for a claim affecting both your belongings and your car is a nice perk.

Discount for bundling. Getting a discount for bundling renters and auto insurance could save you money and make for convenient payments, too.

Where Progressive falls short

Third-party policies. Having some policies that don’t come directly from Progressive could cause confusion over where to file a claim or how to manage your policy.

State availability

Progressive offers renters insurance in Washington, D.C., and all 50 states.

Availability may change at any time. Coverage may not be available to all renters in a given state.

Progressive renters insurance coverage

Progressive has an in-house insurance agency known as Progressive Advantage Agency. It sells policies from its own affiliated carrier, known as Progressive Home, and from a third-party company called Homesite.

Regardless of which company you’re insured with, your Progressive renters insurance policy will typically include the following standard types of coverage:

You can also add these two types of optional coverage to your policy:

  • Coverage for water damage from the backup of sewer or sump pump systems.

  • Personal injury coverage in case someone sues you for slander or libel.

Discounts

Discounts vary depending on where you live and which company insures you. You may be able to save by:

  • Bundling multiple policies with Progressive.

  • Getting a quote at least three days before your policy takes effect.

  • Paying your premium in full, upfront.

  • Receiving policy documents by email.

  • Living in a gated community or having a security guard in your complex.

If you get your renters policy through Progressive Home, you could also be eligible for a single deductible for both auto and renters insurance. (A deductible is the amount of a claim you’re responsible for.) You’ll pay only one deductible if you need to file claims for the same incident on both your auto and renters policies. Say someone breaks your car window and steals a few personal items. If you had a $500 deductible on both your auto and renters policies, you’d pay it only once.

Consumer experience

Website: At Progressive.com, you can get an online quote for renters insurance or for a renters/auto insurance bundle. You can also find answers to common renters insurance questions and get information about your policy. However, if you’re looking to file a renters claim, you must work directly with your insurer.

App: Although Progressive has a mobile app for auto and other types of insurance, you can’t use it to manage your renters policy.

Claims: If you call Progressive to file a renters claim, it will direct you to the company that administers your policy for processing. Alternatively, you can simply call the insurer listed in your policy documents to file a claim.

Customer service: Progressive offers 24/7 customer service by phone at 888-671-4405. You can also use the company’s “contact us” page to send an email or use the Flo chatbot.

Current Product

Progressive Renters Insurance
Liberty Mutual Renters Insurance
Lemonade Renters Insurance
NerdWallet rating 

4.0

/5
NerdWallet rating 

4.0

/5

Complaints to NAIC 

No data

Complaints to NAIC 

Fewer than expected

Complaints to NAIC 

More than expected

Coverage 

No data

Coverage 

About average

Coverage 

More than average

Discounts 

No data

Discounts 

Great set of discounts

Discounts 

Great set of discounts

Bottom line 

Best for existing Progressive car insurance customers looking to save money with a bundle.

Bottom line 

Liberty Mutual offers standard renters insurance coverage with several ways to customize.

Bottom line 

Straightforward policies from a tech-centric, mission-driven company.

Other renters insurance companies to consider

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

Frequently asked questions

Progressive sells and services auto, boat, motorcycle and umbrella policies, among others. It offers other types of insurance, including homeowners and flood insurance, through third parties.

Yes, theft is one of the “perils” that a standard renters policy will cover. Note that your deductible will generally apply to any theft claim you make.

Renters policies typically offer some coverage for your belongings while they’re in a storage unit, but it may be for certain perils only, or up to a certain amount. It may also vary depending on which company Progressive assigns you to. It’s best to double-check with your insurer to be safe.

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