Progressive
Not yet rated
Best for existing Progressive car insurance customers looking to save money with a bundle.- 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.
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.
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- 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.
- Why you can trust NerdWallet
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, available to some policyholders.
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:
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 repaired after a covered loss.
You can also add these two types of optional coverage to your policy:
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.
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:
Frequently asked questions
What other types of insurance does Progressive offer?
What other types of insurance does Progressive offer?
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. See our Progressive pet insurance review.
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. Note that your deductible will generally apply to any theft claim you make.
Does Progressive renters insurance cover storage units?
Does Progressive renters insurance cover storage units?
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.
