Progressive Home Insurance Review

Progressive package of home insurance products are among the most comprehensive and affordable in the industry.

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Overview

The quality of Progressive’s homeowners insurance improved drastically after they acquired American Strategic Insurance (ASI) in 2014. Before that, they were primarily brokering Homesite policies, which offers affordable insurance products but with satisfactory coverage and claims ratings. With ASI, Progressive has both broadened their reach (they’re now available in all 50 states) and improved their coverages while still offering the low rates you’ve come to expect from this insurance leader.

Progressive’s suite of home insurance packages, called Progressive Home Advantage, gives you all the high coverage limits, additional protection, and high sublimits on expensive valuables that you’ll want in a policy, but at competitively low rates.

You can also expect a fairly smooth claims process with Progressive, as they guarantee you’ll be contacted by a claims adjuster within 48 hours of your claim. Another notable perk with Progressive claims: if you bundle your home and auto insurance and both are damaged by a covered hazard, you only need to file one deductible for your home and car claims.

Pros

  • Progressive brokers a number of other companies’ policies, in addition to offering their own Home Advantage plan, so you can almost always find an affordable policy that’s right for you
  • Superior financial ratings with A.M. Best
  • Progressive offers extended replacement cost dwelling coverage, meaning you’re covered an extra 25% or 50% of your dwelling limit in the event your home’s rebuild cost exceeds your coverage limit
  • Excellent web and mobile interface

Cons

  • Since Progressive works with so many insurers and underwriters, claims handling may vary from customer to customer

Progressive by the numbers

Founded: 1937

Market share: 1.16

A.M. Best rating: A+

Better Business Bureau rating: A- (unaccredited)

Consumer Reports: N/A

J.D. Power: 2 out of 5 (Homesite rating)

What states is Progressive available in?

Progressive homeowners insurance is available in all 50 states and the District of Columbia.

Progressive home insurance state availability

StateAvailabilityStateAvailability
AlabamaNebraska
AlaskaNevada
ArizonaNew Hampshire
ArkansasNew Jersey
CaliforniaNew Mexico
ColoradoNew York
ConnecticutNorth Carolina
DelawareNorth Dakota
FloridaOhio
GeorgiaOklahoma
HawaiiOregon
IdahoPennsylvania
IllinoisRhode Island
IndianaSouth Carolina
IowaSouth Dakota
KansasTennessee
KentuckyTexas
LouisianaUtah
MaineVermont
MarylandVirginia
MassachusettsWashington
MichiganWashington D.C.
MinnesotaWest Virginia
MississippiWisconsin
MissouriWyoming
Montana

Policy details

Progressive offers three tiers of home insurance packages through ASI: a base policy, Progressive HomeShield, and Progressive HomeShield Plus. All three tiers offer varying levels of protection at low rates.

Progressive Home Advantage

Base policy

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  • $1,000 loss assessment coverage
  • 10% ordinance or law coverage
  • $1,000 securities coverage
  • $1,000 jewelry, furs, art, and collections coverage
  • $1,500 bicycles coverage
  • $2,000 electronics coverage
  • $2,500 firearms coverage
  • $2,500 silverware coverage
  • $2,500 computers coverage
  • $5,000 theft of tools coverage

HomeShield

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  • 25% extended replacement cost dwelling coverage
  • Replacement cost personal property coverage
  • Personal injury coverage
  • 10% ordinance or law coverage
  • $5,000 water backup coverage
  • $2,500 loss assessment coverage
  • $1,000 securities coverage
  • $3,000 jewelry or furs coverage
  • $1,000 art and collections coverage
  • $1,500 bicycles coverage
  • $2,000 per-item electronics coverage
  • $2,500 firearms coverage
  • $2,500 silverware coverage
  • $2,500 computers coverage
  • $5,000 theft of tools coverage

HomeShield plus

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  • 50% extended replacement cost dwelling coverage
  • Replacement cost personal property coverage
  • Special personal property coverage
  • Personal injury coverage
  • ID recovery assistance coverage
  • 25% ordinance or law coverage
  • $10,000 water backup coverage
  • $5,000 loss assessment coverage
  • $2,500 securities coverage
  • $5,000 jewelry or furs coverage
  • $1,000 art coverage
  • $2,500 collections coverage
  • $1,500 bicycles coverage
  • Unlimited per-item electronics coverage
  • $4,000 firearms coverage
  • $4,000 silverware coverage
  • $2,500 computers coverage
  • $5,000 theft of tools coverage

How much does Progressive cost?

The amount you pay for a Progressive policy will depend on your ZIP code, the age and build of your home, your insurance score, and a number of other rating factors. Here’s a quote for a 50-year-old, 2,500-square-foot townhouse with replacement cost coverage for the home and personal belongings, and a $2,500 deductible.

Primary coveragesPolicy limits
Dwelling$620,000
Other structures$61,800
Personal property$310,000
Loss-of-use$120,600
Personal liability$500,000
Medical payments for guests$5,000
Premiums$2,000

Additional coverages

  • Water backup coverage - Protects your stuff in the event your sewage goes in the reverse direction of where its supposed to go
  • Ordinance or law coverage - Helps pay for the increased construction costs if you need to rebuild your home to current building codes or if you need to rebuild on a different plot of land
  • Personal injury coverage - Covers legal fees and damages from slander or libel suits, wrongful eviction, and false arrest or imprisonment
  • Credit card coverage - Reimburses you up to your covered limit if someone uses your debit or credit card on unauthorized trips to the ATM or unauthorized purchases
  • Identity theft recovery coverage - If someone steals your identity, this coverage reimburses you for the costs of restoring it
  • Earthquake coverage - Coverage for your home against earthquake damage — a separate deductible applies
  • Flood insurance - Covers your home and personal belongings against flood waters — this is a separate policy with a separate deductible

Here’s how Progressive stacks up against the competition in terms of the most common coverage endorsement offerings:

Homeowners insurance coverage endorsements by insurance company

Discounts

  • Bundling discount - Get a 10% discount when you combine your Progressive home and auto insurance policies
  • Alarm systems and safety devices discount - Earn discounts if your home has smoke, fire, burglar alarms, or security systems
  • Quote in advance discount - If you get a quote at least 10 days before your policy starts, Progressive will give you lower rates
  • Pay-in-full discount - Reduce your rates if you elect to pay for the 12 months of your policy up front
  • Paperless discount - Small discount if you select to receive policy documents by email instead of postal

Company details

Application process

Progressive allows you to apply for policies online or, if you’re less tech-savvy, over the phone.

The online application is pretty simple — just make sure you know specifics about your home, as Progressive gets a little more granular with home spec questions than other insurance companies we’ve reviewed. You’ll fill out information related to your home’s structure, its exterior, interior, and its utilities. Once you submit all of the required information, Progressive fetches you a quote from multiple insurance companies within a matter of seconds.

Progressive will then suggest a quote for your home and you’ll be able to compare it with other companies’ policies. One thing we caught is that when Progressive suggested a quote, it was always the plan with the lowest rate, not necessarily the best coverage.

In fact, in the three times we applied with different properties, those quotes were from Homesite, a Progressive affiliate with subpar customer satisfaction and claims ratings. Be sure to review each plan and how much coverage you’re getting with each one. A low rate means very little if you’re paying for an inferior product.

Claims process

Progressive (when you have a policy through ASI) allows you to file home insurance claims both online or by calling their claims department at 1-866-274-5677. If your policy isn’t through ASI, be sure to contact the Progressive partner that’s listed on your policy. Progressive provides a list of those companies’ claims departments here.

Other types of property insurance offered

Progressive offers more than just homeowners insurance. If you’re looking to buy home insurance with Progressive and have other property insurance needs, consider bundling multiple policies together.

  • Car insurance - Protection for your whip
  • Classic car insurance - Even if your antique on wheels never leaves the garage, you’ll still want to insure it in the event that your son plays hooky and takes it on an afternoon joyride with friends
  • Motorcycle insurance - Covers your motorized bike
  • Snowmobile insurance - Insurance for your snow whip
  • Golf cart insurance - In the event your cart gets damaged on or off the links
  • Segway insurance - Glide around knowing that your segway is protected
  • Boat insurance - Covers everything from your fishing to cruising boat
  • Personal watercraft insurance - For smaller watercrafts like Jet Skis
  • RV insurance - Protection for your house on wheels
  • ATV insurance - Coverage for your quad
  • Renters insurance - Protection for stuff in your rental unit (and outside your rental unit)
  • Condo insurance - Protects your condo's structure and all your stuff inside, plus provides any additional liability coverage you need to supplement your HOA's master policy
  • Flood insurance - Protects your home and your stuff against floodwaters
  • Mobile home insurance - Covers your factory-built or manufactured home

Digital tools

  • Web application through HomeQuote Explorer
  • Web policy management and bill pay
  • Progressive mobile app where you can manage your policy or begin a claim

Contact info

Website: www.progressive.com
Phone: 1-800-776-4737
Headquarters: 6300 Wilson Mills Road, Mayfield Village, OH 44143

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.