Not rated
Not rated
$30K personal property coverage
$215 /year
$18 /month
Coverage options and features may vary depending on whether you get a policy from Progressive Home or from Homesite, a partner.
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 will pair you with one of these options.
People with Progressive car insurance can get a bundling discount if they also buy renters insurance. However, the advertised discount is just 3%. That’s lower than we’ve seen from other insurers.
Best for: Existing Progressive car insurance customers looking for bundling savings.
Not ideal for: Renters hoping to manage their policy with an app. The Progressive mobile app currently focuses on auto, motorcycle and other policies, not renters.
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.
» MORE: The best renters insurance companies
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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 Progressive renters insurance 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.
What’s not covered
Progressive renters insurance doesn’t cover:
Damage from floods, earthquakes, sinkholes or landslides.
Extermination costs for mice, bedbugs or other pests.
Damage you cause on purpose.
Progressive renters insurance rates
The average cost of Progressive Home renters insurance is $215 per year, or about $18 per month, according to NerdWallet’s rate analysis. That’s higher than the national average of $165 per year.
We compared the cost of Progressive Home renters insurance against the state averages in the 14 states where data was available. In 10 of those states, Progressive Home was more expensive than average. In the other four, it was cheaper.
Cost data wasn’t available for Homesite policies. Rates are based on a sample renter with $30,000 of personal property coverage, $100,000 of liability coverage and a $500 deductible.
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.
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 have a Progressive Home policy, you could 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. Your auto policy would pay for the broken window, while your renters policy would cover the stolen items. If you had a $500 deductible on each policy, you’d pay it only once.
Online tools
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 to file a renters claim, you must work directly with the insurer that underwrites your policy.
Mobile app: Although Progressive has a mobile app for auto and other types of insurance, you can’t use it to manage your renters policy.
How to file a claim with Progressive
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.
How to contact Progressive Customer Service
Phone: Progressive offers 24/7 customer service by phone at 888-671-4405.
Email: You can also use the company’s “contact us” page to send an email.
Chatbot: The company's chatbot, "Flo," can answer basic questions.
Other Progressive products
NerdWallet's reviews of other Progressive insurance products can help you find the right coverage for your needs:
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How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
Frequently asked questions
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.
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.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Rates were rounded to the nearest $5. Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses 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.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
