Progressive
Not yet rated
- Offers Progressive auto customers a discount on their policy.
- Single deductible for renters and auto insurance may be available.
- Sells its own renters insurance and policies from a third party, which could cause confusion over who’s servicing the policy.
- Can't manage your policy on the Progressive app.
About Progressive renters insurance
Progressive renters insurance policies come either from an affiliate called Progressive Home or from Homesite, a third party. When you reach out for a quote, Progressive’s in-house insurance agency, Progressive Advantage Agency, will pair you with one of these options. In either case, you'll get a bundling discount if you also have Progressive car insurance.
Best for: Existing Progressive car insurance customers looking for bundling savings.
Not ideal for: Renters hoping to manage their policy with an app.
- Why doesn’t this company have a NerdWallet star rating?
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.
Where Progressive stands out
Discount for bundling. A bundling discount could save you money and make for convenient payments, too.
Single deductible. Having to pay only one deductible for a claim affecting both your belongings and your car is a nice perk. It's available to some policyholders.
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.
Mobile app. You can’t manage your renters policy through the Progressive app.
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Answer a few questions to get custom quotes and find the right policy for you.
What Progressive renters insurance covers
Regardless of whether you end up with a Progressive Home or Homesite policy, it will include:
Personal property coverage for your belongings.
Liability coverage for lawsuits and legal fees.
Medical payments coverage in case someone gets hurt on your property.
Coverage for temporary living expenses if you have to move out while your home is repaired after a covered claim.
Optional coverage
You can also add these two types of optional coverage to your policy:
Water backup coverage to fix damage if a drain backs up into your home.
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 each policy, you’d pay it only once.
Where Progressive renters insurance is available
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.
Where you live can make a big difference in how much you pay for renters insurance. People in areas with higher crime rates or a greater risk of natural disasters tend to pay higher rates. Learn more about renters insurance costs.
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. But 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 services your policy. Alternatively, you can simply call the insurer listed in your policy documents.
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.
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Other Progressive products
NerdWallet's reviews of other Progressive insurance products can help you find the right coverage for your needs:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does Progressive offer?
What other types of insurance does Progressive offer?
Progressive sells auto, boat, homeowners, motorcycle and umbrella policies, among others. Some products are underwritten by third parties.
Does Progressive renters insurance cover theft?
Does Progressive renters insurance cover theft?
Yes, theft is one of the “perils” that a standard renters policy will cover. Keep in mind that a deductible will apply to any theft claims you make. So if your $600 cell phone is stolen and you have a $500 deductible, you’ll get only $100 as a claim payout.
Does Progressive renters insurance cover storage units?
Does Progressive renters insurance cover storage units?
Renters policies usually cover your belongings in a storage unit, but it may be for certain scenarios only, or up to a certain amount. It may also vary depending on which company Progressive assigns you to. Double-check with your insurer to be safe.
