Progressive Renters Insurance Review 2022

Progressive works with two companies to offer renters insurance policies.
Apr 27, 2022

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Progressive renters insurance policies come either from an affiliate, Progressive Home or from a third-party company called Homesite. 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.

Best for: Existing Progressive auto insurance customers looking to save money with a bundle.

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Progressive renters insurance pros and cons



Offers customers with current Progressive car insurance a discount on their auto policy.

Sells renters insurance through a subsidiary or third party, which could cause confusion over who’s servicing the policy.

Other potential discounts available.

State availability

Progressive offers renters insurance in every state except Alaska and Hawaii.

Progressive renters insurance coverage

Progressive functions as a broker to sell renters insurance through the Progressive Advantage Agency, which works with two companies: Progressive Home (a subsidiary formerly known as American Strategic Insurance, or ASI) and Homesite. Though you can buy a renters policy through the Progressive website, one of these companies will actually administer your policy and payout for any claims you make.

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

  • Personal property coverage for your belongings.

  • Liability coverage for lawsuits and legal expenses.

  • Medical payments coverage in case someone gets injured on your property.

  • Coverage for temporary living expenses if you have to move out while your home is under repairs due to a covered loss.

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 you’re sued for slander or libel.


Discounts vary depending on where you live and which company you’re insured with, but may include the following:

  • Discount on your auto policy if your car is insured with Progressive. You can also bundle other policies, such as for motorcycles or boats, for additional discounts.

  • Discount for getting a quote at least three days before your policy takes effect.

  • Pay-in-full discount.

  • Paperless discount.

  • Discount if you live in a gated community or your complex has a security guard.

If you get your renters policy through Progressive Home, you could also be eligible for a single deductible for both auto and renters insurance. That means you’ll pay only one deductible if you need to file claims for the same incident on both your auto and renters policies — for example, a car break-in that involves vehicle damage and stolen personal items.

Consumer experience

Website: At, 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 contact your insurer directly.

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.

Renters insurance buying guide

Before you compare renters insurance companies, gather key information such as the address of the rental and any safety and security features the unit has.

You should also figure out how much coverage you need. Take a quick inventory of your belongings: How much would it cost you to replace them? Include all furniture, electronic devices, clothing, jewelry and household items. This total is the minimum amount of personal property insurance you should have.

Your liability limit should be high enough to cover your net worth, while your deductible should be an amount you’d feel comfortable paying in an emergency.

When evaluating renters insurance quotes, make sure each rate estimate includes the same coverage limits and deductibles so you know you’re getting a fair comparison. While it’s tempting to buy the cheapest policy, you may also want to read reviews of your preferred company to make sure it offers good customer service.

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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