Progressive
- Auto discount available for Progressive car insurance customers.
- Can choose which insurance company you purchase from — uncommon for an insurer selling affiliate policies.
- Potential to pay a single deductible if you have both car and home insurance from Progressive.
- Must file claims through the company that underwrites your policy.
About Progressive home insurance
Progressive sells home insurance differently than many other insurers do. The company matches consumers with home insurers through the Progressive Advantage Agency, which shops around on your behalf.
Which insurer you purchase your policy from depends on how you buy: online, over the phone or through an agent. Although you’re limited to the insurers Progressive works with, having the company shop for you could save you time.
Many Progressive Home policies are underwritten by a Progressive subsidiary. NerdWallet has awarded these policies a rating of 4.2 stars out of 5. But other Progressive Home policies are issued by unaffiliated companies, including Homesite, Openly and Nationwide. Click on each company’s name to see our star rating for that insurer.
The company that underwrites your policy matters because it will handle any claims you have. Different companies may also offer different coverage options and discounts.
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Answer a few questions to see custom quotes and find the right policy for you.Where Progressive home insurance stands out
Discount for Progressive auto policyholders. If you’ve already got car insurance with Progressive, you can get a bundling discount for buying a homeowners policy as well.
Choice of carriers. Progressive will shop around with multiple insurers to help you find a policy you’re comfortable with.
Single deductible. If disaster strikes your home and car at the same time, you may have to pay only one deductible. Say a storm knocks a tree onto your house and car. As long as you have both Progressive car insurance and a homeowners policy underwritten by a Progressive subsidiary, you'll pay one deductible for both claims.
Where Progressive home insurance falls short
Claim filing. You may not be able to file a homeowners claim on Progressive’s website the way you can for an auto claim. Instead, you may need to call the company that underwrites your policy.
What Progressive home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
More Nerdy Perspective
One of the biggest factors in how much you pay for homeowners insurance is the amount of coverage you buy. Get too little coverage, and you could find yourself underinsured after a major disaster. Get too much, and you’ll overpay. Here’s how to figure out how much homeowners insurance you need.
Optional Progressive home insurance coverage
Extra coverage options will depend on your insurer and location. These add-ons could include:
Extended replacement cost coverage to provide an increase in dwelling coverage. This coverage pays to repair or rebuild your house after a covered claim.
Replacement cost coverage for personal property so that if your stuff is stolen or damaged, the insurer will pay enough for you to buy brand-new items.
Water backup coverage for damage from a backed-up sump pump or sewer system.
Extra valuables coverage for expensive items like jewelry or art.
Service line coverage in case of damage to underground utility lines connected to your home.
Equipment breakdown coverage for appliances or home systems that break down.
Identity theft coverage for expenses associated with recovery.
Personal injury coverage to pay for legal fees and damages stemming from slander, libel, wrongful evictions, false arrests, detentions or imprisonment.
What’s not covered
Progressive, like most other homeowners insurers, won’t cover damage due to:
Flooding.
Land- or mudslides.
Sinkholes.
Wear and tear.
Flooding is the most common disaster in the U.S., and you don’t need to live near the beach to be at risk. Discover why you might need flood insurance, even if your mortgage lender doesn’t require it.
Where Progressive home insurance is available
Progressive can match you with a homeowners insurance company in Washington, D.C., and every state except Alaska and Hawaii.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
Progressive home insurance rates
NerdWallet compared Progressive’s average annual rates for homeowners insurance to those of several other big insurers in ZIP codes across the U.S. We found that Progressive’s rates were lower than many of its competitors’. Below are average rates for a few other major U.S. insurers.
Company | Average annual rate |
|---|---|
$2,055 | |
$2,170 | |
$2,185 | |
$2,380 | |
$2,600 | |
$2,610 | |
USAA* | $1,790 |
*USAA membership is open only to active military, veterans, some federal employees and their families. | |
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Discounts
You could save on your Progressive auto policy if you buy a homeowners policy through Progressive. Depending on the insurer Progressive matches you with, you may qualify for other discounts, including those for:
Homes with alarm systems or safety devices.
Getting a quote at least 10 days before the policy start date.
Paying your premium in full.
Receiving policy documents electronically.
New or newly purchased homes.
Having no recent claims on your record.
What Reddit users say about Progressive home insurance
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like homeowners insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Reddit comments about Progressive home insurance tend to be negative, particularly for those matched with Homesite as their third-party insurer. In particular, Redditors complain about Homesite’s poor claims handling and customer service. More generally, some users have noticed their Progressive home insurance rates going up even if they haven’t filed any claims.
Questions from Reddit: Our experts answer
Why did my Progressive home insurance rates go up?
Homeowners insurance premiums are generally on the rise across the U.S. That’s partly due to inflation — homes now cost more to rebuild due to higher prices for labor and materials. Also, recent natural disasters like hurricanes, tornadoes and wildfires have forced insurers to pay billions of dollars in claims.
All of this means you may pay more for your home insurance coverage. You may even have trouble getting a policy at all, especially if you live in an at-risk area. Learn more about how to protect your home from climate change.
Should you work with an agent or broker when buying Progressive home insurance?
Progressive makes it possible to buy homeowners insurance online without speaking to an agent. This can be quick and convenient as long as you feel comfortable with the coverage and quote you’re offered.
However, you may benefit from working with an agent or broker if your insurance needs are complicated or you have coverage questions. Agents and brokers can also shop around on your behalf, which may save you time over reaching out to individual companies yourself.
How to file a claim with Progressive
To file a homeowners claim, you’ll need to contact the company that issued your policy. Not sure who that is? Call Progressive at 800-776-4737, and a representative will transfer you to the right place.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Progressive customer service
Phone: Call 888-671-4405, seven days a week.
Email: Submit the form on Progressive’s contact page.
Chatbot: You can chat with Flo, Progressive’s virtual assistant, on Progressive’s contact page.
Online tools
Website: You can use the site to get quotes from multiple insurers with the company's HomeQuote Explorer tool. The site also has a robust answers page dedicated to educational articles and FAQs.
Mobile app: Although Progressive has an app, you can't currently use it to manage homeowners policies.
» MORE: Progressive pet insurance review
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Answer a few questions to see custom quotes and find the right policy for you.Progressive home insurance vs. competitors
Progressive home insurance vs. State Farm
The biggest differences between Progressive and State Farm home insurance are:
Business structure. State Farm sells its own policies while Progressive shops around with multiple companies on your behalf. With both insurers, you can buy a policy online, by phone or through an agent.
Coverage for the structure of your home. State Farm policies generally come with a nice perk: extended replacement coverage for your dwelling. This feature gives you a little extra coverage for the structure of your home in case it costs more than expected to rebuild. The coverage may also be available with a Progressive Home policy, depending on your insurer, but it may come at an additional cost.
To learn more, read our State Farm home insurance review.
Progressive home insurance vs. GEICO
The primary differences between Progressive and GEICO are:
Choice of insurers. Although both Progressive and GEICO sell home insurance through third parties, Progressive may give you more than one company to choose from when you get a quote.
State availability. While Progressive policies aren’t available in Alaska or Hawaii, GEICO sells homeowners insurance through partners in all 50 states.
Get more details in our GEICO home insurance review.
Progressive home insurance vs. Allstate
The main differences between Progressive and Allstate home insurance are:
Policy options. Allstate writes its own homeowners insurance while Progressive sells both its own policies and those of other companies. Progressive may offer you a choice of insurers, while Allstate typically will give you a quote only for its own policies.
Optional coverage. Allstate offers a long list of coverage options, many of which you can view on its website. Meanwhile, Progressive’s coverage choices depend on the company you’re matched with.
Check out our Allstate home insurance review for more information.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Does Progressive offer mobile home insurance?
Does Progressive offer mobile home insurance?
Progressive generally sells mobile home insurance through third parties. Depending on which insurer you end up with, you may be able to add trip collision coverage. This type of insurance pays out if your mobile home is damaged in transit. Learn more about manufactured and mobile home insurance.
What other types of insurance does Progressive offer?
What other types of insurance does Progressive offer?
You can buy a variety of other insurance policies through Progressive, including auto, boat, motorcycle, renters and condo insurance. To learn more, see NerdWallet’s Progressive auto insurance review.
Does Progressive home insurance cover water damage?
Does Progressive home insurance cover water damage?
It depends on how the damage happened. Say a pipe bursts and ruins your carpet and drywall. That would typically be covered because it was a sudden accident within your house. But if the damage comes from a slow leak that you hadn’t gotten around to fixing, that wouldn’t be covered. Nor would flooding from an external source, such as a river overflowing its banks. For that, you’ll need separate flood insurance.
Depending on which insurer Progressive matches you up with, you may be able to add water backup coverage. This optional insurance pays for damage if your sump pump fails or a sewer line clogs. Learn more about homeowners insurance and water damage.
Who does Progressive use for homeowners insurance?
Who does Progressive use for homeowners insurance?
Progressive Advantage Agency works with nearly a dozen different companies to provide home insurance. These include Nationwide, Homesite and Openly.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
