Progressive homeowners insurance review: Solid discount opps

Progressive homeowners insurance is ideal for individuals looking to compare quotes from multiple top insurers — all in one place. Get started today.

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By

Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Edited by

Colin LalleyColin LalleyContent Director, Home & Auto InsuranceColin Lalley is the content director for home and auto insurance at Policygenius, where he leads our property & casualty editorial teams. His insights have been featured in Inc. Magazine, Betterment, Chime, Credit Seasame, Zola, and the Council for Disability Awareness.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|1 min read

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Progressive

Progressive logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

The bottom line

As an insurance broker, Progressive doesn’t underwrite or service the home insurance policies it sells. Instead, you’ll be placed with one of its partner insurance companies for all of your coverage, customer service, and claims filing needs. 

Because of this, it’s difficult to gauge how much home insurance will cost when you purchase a policy through Progressive. You’ll also have to do your own due-diligence to know what type of customer service and claims filing experience you might have.

We recommend Progressive home insurance if you’re looking to purchase home and auto insurance at the same time to score a multi-policy discount. Otherwise, you’re likely better off working with an insurance carrier directly.

Pros

  • Available in all states except Alaska and Hawaii

  • Slew of policy and discount options available

  • Easy-to-use app to manage policy

Cons

  • Not a direct insurance carrier

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

Basic coverages offered

Progressive home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.

  • Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

You may be able to add these additional coverages to your Progressive homeowners insurance policy for even more protection, depending on the insurer you're placed with:

  • Guaranteed replacement cost for your home: Pays the full cost to replace or rebuild your home after a covered loss — regardless of the cost.

  • Extended replacement cost for your home: Extends your dwelling coverage limit anywhere from 10% to 50% in the event that the cost to repair or rebuild your home after a covered loss exceeds your policy limits. 

  • Replacement cost for belongings: Pays to replace your personal belongings with new items after a covered loss — without taking depreciation or wear and tear into effect.

  • Water backup: Protects your home and belongings from water damage caused by a sump pump overflowing or clogged sewer.

  • Home warranty: Offers coverage for your refrigerator, air conditioner, water heater, and other appliances and home systems in case they break down due to mechanical or electrical failure.

  • Service line: Covers the cost to fix broken utility lines that run through your property, including power lines, water pipes, and cable lines.

  • Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.

  • Jewelry: Offered through Lavalier, jewelry insurance through Progressive starts at $68 per year and typically costs around 1% to 2% of the value of your jewelry.

  • Art and collectibles: Includes higher coverage limits for specific collectibles and art pieces that are scheduled against theft, damage, or disappearance.

  • Identity protection: Covers the cost to reverse the fraud, fix your credit score, and get your identity back. 

  • Personal injury: Covers legal expenses related to libel and slander, false arrest, malicious prosecution, wrongful eviction, and more.

  • Green upgrade: Covers the added cost to rebuild your home with eco-friendly materials after a covered loss.

  • Flood insurance: Progressive offers flood insurance coverage through the National Flood Insurance Program (NFIP), a government program run by the Federal Emergency Management Agency (FEMA).

  • Earthquake insurance: Covers your home and personal belongings in the event of an earthquake.

  • Personal umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for.

  • Seasonal home insurance: Protects your seasonal home from fire, hail, wind, vandalism, burglaries, and other covered perils.

  • Landlord insurance: Includes coverage for the structure of your rental property, liability situations, loss of rental income, and landlord furnishings and appliances.

  • Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

Ratings methodology

Price

4.3/5

Progressive’s price rating is based solely on the slew of discounts you may be able to qualify for from one of its partner companies. Since Progressive isn’t a direct insurance carrier, we weren’t able to score the insurer on its cost of home insurance since rates vary based on the partner company you’re placed with. 

Customer experience

3.6/5

Progressive earns a decent customer experience rating due to its above-average customer satisfaction score in J.D. Power’s 2022 digital experience study and average number of complaints for a company of its size in the National Association of Insurance Commissioners (NAIC) National Complaint Index Report.

Coverage options

4.0/5

Progressive earns a high score on our coverage options rating scale thanks to the wealth of policy add-ons its partner carriers offer, including guaranteed and extended replacement cost coverage for your home, replacement cost coverage for your personal belongings, water backup coverage, flood insurance, earthquake protection, and more. 

Financial strength

4.2/5

Progressive scores well on our financial strength rating scale due to its superior A+ rating with AM Best, solid Aa2 rating from Moody’s, and average A+ rating with Standard & Poor’s. 

What companies does Progressive use for home insurance?

When you apply for a home insurance policy through Progressive, you may get connected with one of its 13 partner insurance carriers for all of your coverage needs:

  • American Modern

  • ASI Progressive

  • Assurant

  • First American

  • Foremost

  • Homesite

  • IDS Property

  • National General

  • Nationwide

  • Occidental Fire & Casualty Co. of North Carolina

  • Plymouth Rock

  • QBE Insurance

  • Ryan Specialty

What discounts does Progressive offer?

You may be able to qualify for the following home insurance discounts when you sign up for a policy through Progressive, though it depends on the carrier you’re connected with:

  • Multi-policy: If you bundle your home and auto insurance with Progressive.

  • Protective device: If you have smoke detectors, fire alarms, burglar alarms, or other home monitoring systems.

  • Claims-free: If you go so many years without filing a claim.

  • Home renovation credit: If you renovate your home’s plumbing, heating, cooling, or electrical systems.

  • Roof rating: Varies based on your roof’s age and surface type.

  • New homebuyer: If you purchased a home within the last 12 months.

  • Prior insurance: If you’re new to Progressive, save on rates based on the number of years you were continuously insured with your previous carrier.

  • Gated community: If all vehicle entrances to your community have 24/7 protection via security guards, resident cards, or lock-and-key devices.

  • Smart home: If you have qualifying smart home technology devices in your home to prevent fire and water damage, as well as break-ins.

  • Paid-in-full: If you pay your policy in full up front every year.

  • Umbrella policy: If you purchase a personal umbrella insurance policy in addition to your home insurance coverage.

  • Electronic policy: If you sign up for e-billing and an e-copy of your policy.

  • New construction: If your home is a new construction build.

  • Non-smoker: If you live in a non-smoking household.

How much does Progressive home insurance cost?

It’s difficult to nail down the average cost of a home insurance policy through Progressive since your premiums will vary based on the partner insurance company you're placed with.

To give you an idea of how much you might pay, here is a look at the average annual cost of home insurance for some of Progressive’s partner companies based on different dwelling coverage limits:

$100,000 policy

$200,000 policy

$300,000 policy

$400,000 policy

$500,000 policy

ASI Progressive

$1,257

$1,901

$2,618

$3,369

$4,215

National General

$559

$771

$1,007

$1,288

$1,600

Nationwide

$880

$1,407

$1,955

$2,512

$3,140

Plymouth Rock

$539

$725

$1,022

$1,315

$1,688

Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.

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Progressive home insurance state availability

Progressive offers home insurance through its partner carriers in all states except Hawaii and Alaska.

What to expect with Progressive home insurance

  • How to get a quote: You can get a quote online through Progressive’s website.

  • Customer service options: Customer service options will vary depending on the partner insurance company you ultimately purchase a policy with. However, if you have questions during the quote process, you can reach out to a Progressive customer service rep through the live chat feature on its website or by calling 1-888-671-4405.

  • How to file a claim: Claim filing options will vary depending on the insurance company you’re placed with. To get started, you can log in to your Progressive account online or through its mobile app to find links to report your claim.

  • How to cancel your policy: The steps to take to cancel your home insurance policy will vary based on the partner company you’re ultimately placed with. In general, you typically need to call or email your insurer’s customer service department to get started.

Progressive home insurance in the news

  • In January 2023, Progressive ranked No. 3 on a new survey of the most-considered insurers for Americans switching home insurance companies in 2023. (YouGov)

  • In November 2022, Progressive scored lowest in a new research survey by Forrester that measured the trust level of auto and home insurance policyholders across seven categories for a dozen of the most popular insurance companies between March and May 2022. (Digital Insurance)

  • In February 2022, Progressive dropped around 56,000 homeowners insurance policies in Florida with roofs that are 15+ years old in response to the surge in claims and insurance costs in the state. (Insurance Business America)

Progressive vs. other home insurance companies

Compare Progressive home insurance to other popular insurers in the industry:

Company

Policygenius rating

AM Best rating

Cost

Progressive

4.5/5

A+

NA

Auto-Owners Insurance

5.0/5

A++

$$

USAA

4.9/5

A++

$$

State Farm

4.8/5

A++

$$$

Amica

4.6/5

A++

$$$

The Hartford

4.6/5

A+

$$$$

American Family

4.5/5

A

$$$

Encompass

4.5/5

A+

$$$$

Erie

4.5/5

A+

$$

Farmers

4.5/5

A

$$$

Nationwide

4.5/5

A+

$$$

Stillwater

4.5/5

A-

$$$

Allstate

4.4/5

A+

$$$

Allstate

4.4/5

A+

$$$

Country Financial

4.4/5

A+

$$$$

Travelers

4.4/5

A++

$$

Travelers

4.4/5

A++

$$

AAA

4.3/5

A

$$$

Hippo

4.3/5

A-

$$

Homesite

4.3/5

A

$$

Liberty Mutual

4.3/5

A

NA

Safeco

4.3/5

A

$$$

Safeco

4.3/5

A

$$$

Mercury

4.1/5

A

$$$

Lemonade

4.0/5

NA

NA

Geico

3.9/5

A++

NA

Swyfft

3.5/5

A-

NA

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Frequently asked questions

What is the Progressive home insurance phone number?

The Progressive home insurance phone number is 1-855-347-3939.

Is Progressive insurance good homeowners insurance?

Progressive is a good homeowners insurance company if you’re looking to compare quotes from multiple insurance companies all in one place. As an insurance broker, it doesn’t underwrite policies itself but connects you with a partner company. This means your customer service and claims filing experience could vary widely depending on the insurer you’re placed with.

Who is Progressive home insurance’s biggest competitor?

State Farm is the largest home insurance company by market share and direct premiums written, followed by Allstate and USAA. Progressive falls in at #10 on our list of the largest home insurance companies in the U.S. in 2022.

Author

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Editor

Colin Lalley is the content director for home and auto insurance at Policygenius, where he leads our property & casualty editorial teams. His insights have been featured in Inc. Magazine, Betterment, Chime, Credit Seasame, Zola, and the Council for Disability Awareness.

Expert reviewer

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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