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Progressive Homeowners Insurance Review 2020

July 23, 2020
Homeowners Insurance, Insurance
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Progressive homeowners insurance policies come 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 its affiliates. Otherwise you may be better off buying homeowners insurance directly.

Progressive homeowners insurance pros and cons

ProsCons
Auto discount available for Progressive auto insurance customers.Functions as a middleman and doesn't underwrite its own policies.
Can choose which insurance company you purchase from — uncommon for an insurer selling affiliate policies.Can’t manage your policy or file a claim through Progressive.

About Progressive homeowners insurance

Progressive acts as an agency and matches consumers with a home insurer through Progressive Advantage Agency. Which affiliate you purchase your policy from depends on how you purchase: online, over the phone or through an agent. Affiliates include insurance companies like National General Insurance, Nationwide and the recently acquired American Strategic Insurance Corp (ASI).

You can get a quote and purchase a policy online, by phone or from a local agent via an agent portal. But in the end your policy will come from another company, and claims will go through your home insurer, not Progressive, so you won’t have the convenience of a bundle.

» MORE: Find the best homeowners insurance

Progressive Homeowners Insurance Coverages

Homeowners insurance coverages depend on the insurer you’re matched with, but all policies come with dwelling, other structure, personal possessions, loss of use, medical payments and personal liability coverages.

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

  • Water back-up coverage for water damage from a backed-up sump pump or sewer system.
  • Personal injury coverage to pay for legal fees and lawsuit expenses stemming from wrongful evictions, false arrests, detentions or imprisonment.
  • Replacement cost coverage can 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.

» MORE: What does homeowners insurance cover?

Progressive homeowners insurance discounts and savings

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.

Discounts could be available for:

  • 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. 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.

» MORE: How to save on homeowners insurance

More about Progressive

Website: Progressive’s website offers the ability to get a quote and purchase a homeowners policy through Progressive’s HomeQuote Explorer tool. The site also has a robust answers page dedicated to educational articles and FAQs.

State availability: Progressive can match you with a homeowners insurance company in all 50 states.

Other types of insurance from Progressive:

Auto insuranceAll-terrain-vehicle insurance
Boat insuranceClassic car insurance
Golf cart insuranceMotorcycle insurance
Personal watercraft insuranceRV insurance
Segway insuranceSnowmobile insurance
Commercial auto insurance

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