Progressive Renters Insurance Review 2023

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

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  • Offers Progressive auto customers a discount on their policy.

  • Other potential discounts available.


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

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

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.

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State availability

Progressive offers renters insurance in every 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 vary depending on where you live and which company you’re insured with. 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. 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. 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, 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.

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.

Other renters insurance companies to consider

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

  • Allstate: Solid coverage and discounts, available nationwide.

  • Geico: Like Progressive, it sells renters insurance through third parties.

  • Lemonade: Digital-first insurer that gives a portion of premiums to a charity of your choice.

  • State Farm: Long list of coverage options from the nation’s largest insurer.

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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