Progressive Homeowners Insurance Review 2024
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Progressive
Pros
- Auto discount available for Progressive car insurance customers.
- Can choose which insurance company you purchase from — uncommon for an insurer selling affiliate policies.
Cons
- Doesn't underwrite all its own policies.
- Must file a claim through the company that underwrites your policy.
Progressive
Pros
- Auto discount available for Progressive car insurance customers.
- Can choose which insurance company you purchase from — uncommon for an insurer selling affiliate policies.
Cons
- Doesn't underwrite all its own policies.
- Must file a claim through the company that underwrites your policy.
Choose Progressive home insurance if...
About Progressive home insurance
Progressive home insurance policies come primarily 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 the company's partners.
Progressive acts like an agent or broker, shopping with multiple providers on your behalf. Although you’re limited to the insurers Progressive works with, having the company shop for you could help save you time.
If you have Progressive car insurance and a homeowners policy with ASI (an affiliate also known as Progressive Home), you could pay only one deductible if you have claims on both policies from the same incident. Say a storm knocks a tree over onto your house and car. Instead of paying both the auto and the homeowners deductibles, you’d pay just one.
What’s new with Progressive?
Progressive is one of many homeowners insurers looking to cut its exposure to risk in Florida’s troubled insurance market. The company recently sent non-renewal notices to about 100,000 households in Florida.
How Progressive home insurance stacks up
Below are a few areas that set Progressive apart from other insurers.
Where Progressive home insurance stands out
Choice of carriers. Progressive will shop around with multiple insurers to help you find a policy you’re comfortable with. This could save you time over shopping around yourself.
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.
Where Progressive home insurance falls short
Claim filing. You can’t file a homeowners claim on Progressive’s website the way you can for an auto claim. Instead, you’ll need to call the company that underwrites your policy.
How Progressive home insurance works
Progressive matches consumers with a home insurer through the Progressive Advantage Agency, which shops around with multiple companies on your behalf. Which insurer you purchase your policy from depends on how you buy: online, over the phone or through an agent.
Options include insurance companies like Homesite, National General Insurance, Nationwide and American Strategic Insurance, a Progressive subsidiary now known as Progressive Home. Whichever company you choose, claims will go through that home insurer.
State availability
Progressive can match you with a homeowners insurance company in Washington, D.C., and every state except Alaska and Hawaii.
Standard Progressive home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
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
Optional coverage may be available depending on your insurer and location, and 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 out enough for you to buy brand-new versions.
Water backup coverage for water damage from a backed-up sump pump or sewer system.
Extra valuables coverage to raise your limits for expensive items like jewelry or art.
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.
Earthquakes.
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.
Discounts
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, 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.
Single deductible is available for car insurance customers who buy a homeowners policy through Progressive Home. If both your car and home are damaged in the same incident, one deductible payment covers both claims.
What Reddit users say about Progressive
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. There have also been many natural disasters like hurricanes, tornadoes and wildfires over the past few years that have forced insurers to pay billions of dollars in claims.
All of this means you may pay more for your home insurance coverage or have trouble getting a policy at all, especially if you live in an at-risk area. Learn more about how climate change could make your home harder to insure.
Should you work with an agent or broker when buying Progressive home insurance?
Like some other insurance companies, 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 options and quote you’re offered. However, you may benefit from working with an agent or broker if your insurance needs are more complicated or you have questions about your coverage. 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 homeowners policy. If you’re not sure who that is, you can call Progressive at 800-776-4737, and a representative will transfer you to the right place.
For more advice, see how to file a home insurance claim.
Digital experience
On Progressive’s website, you can get quotes from multiple insurers through the company's HomeQuote Explorer tool. The site also has a robust answers page dedicated to educational articles and FAQs.
Although Progressive has an app, you can't currently use it to manage homeowners policies.
» MORE: Progressive pet insurance review
How to contact Progressive customer service
For support, you can chat with Flo, Progressive’s virtual assistant, or call 888-671-4405. You can also email the company.
Progressive home insurance vs. competitors
Progressive home insurance vs. State Farm
The biggest difference between Progressive and State Farm home insurance is that State Farm sells its own policies while Progressive shops around with multiple third parties on your behalf. With both companies, you can buy a policy online, by phone or through an agent.
State Farm policies generally come with a nice perk: extended replacement coverage for your dwelling, which gives you a little extra coverage for the structure of your home in case it costs more than expected to rebuild. This feature may be available with your policy from Progressive, depending on your third-party insurer, but it may come at an additional cost.
To learn more, read our State Farm home insurance review.
Progressive home insurance vs. Geico
Although both Progressive and Geico sell home insurance through third parties, the primary difference between them is that Progressive may give you more than one company to choose from when you get a quote.
Both Progressive and Geico are large, well-established companies that sell policies in most U.S. states. Each one offers a bundling discount if you buy car and homeowners insurance together.
Get more details in our Geico home insurance review.
Progressive home insurance vs. Allstate
The main difference between Progressive and Allstate home insurance is that Allstate writes its own homeowners policies while Progressive sells them through third parties. Progressive may offer you a choice of companies, while Allstate will give you a quote only for its own policies.
Both companies are among the biggest home insurers in the U.S. and offer policies across most of the country. Allstate offers a long list of coverage options to choose from. Meanwhile, Progressive’s coverage options 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:
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
In This Review . . .
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