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Progressive Renters Insurance Review

Sept. 25, 2020
Insurance, Renters Insurance
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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.

Progressive renters insurance pros and cons

Offers customers with current Progressive car insurance a discount on their auto policySells renters insurance through a subsidiary or third party, which could cause confusion over who’s servicing the policy
Can’t file a renters claim through

About Progressive renters insurance

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 pay out for any claims you make.

Progressive advertises an average car insurance discount of 12% for those who bundle their auto policy with renters insurance purchased through the company’s website.

» MORE: The best renters insurance companies

Progressive renters insurance coverage

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.

» MORE: What is renters insurance, and what does it cover?

Progressive renters insurance discounts

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.
  • 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.

» MORE: Progressive auto insurance review

More about Progressive

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.

» MORE: Progressive homeowners insurance review

Other insurance: Progressive sells and administers the following types of insurance policies:

Personal and commercial auto insuranceSnowmobile insurance
Boat insurancePersonal watercraft insurance
All-terrain vehicle insuranceSegway insurance
Recreational vehicle insuranceMotorcycle insurance
Golf cart insuranceUmbrella insurance

Progressive offers numerous types of policies through third parties. You can get quotes and purchase these policies through Progressive, and may get a discount if you combine certain policies. Below are the types of insurance you can get through Progressive’s partners:

Homeowners insuranceCondo insurance
Life insuranceMobile home insurance
Business insuranceClassic car insurance
Insurance for driving in MexicoTravel insurance
Flood insurancePet insurance
Health insuranceDental insurance
Vision insuranceID theft insurance

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