- Our thoughts on Progressive
- Where can you buy Progressive homeowners insurance?
- What does Progressive homeowners insurance cover?
- How much is Progressive home insurance?
- Progressive home insurance discounts
- What makes Progressive home insurance rates go up?
- Progressive vs. competitors: How does Progressive stack up?
- What do people ask about Progressive?
- Is Progressive a good homeowners insurance company?
Our thoughts on Progressive
Progressive is a well-known name but is recognized more for car insurance than home insurance. Progressive writes its own homeowners insurance policies in all states and also operates an agency that provides quotes for other homeowners insurance companies. This can create confusion for home insurance shoppers, as the Progressive site isn’t clear about the differences.
Progressive home insurance reviews are generally positive, although the company struggled a bit with customer satisfaction in our best home insurance companies survey for 2024. It landed in tenth place overall in that ranking.
Progressive home insurance rates are above average, but it's a big company with a solid financial footing that ensures the ability to pay claims. Progressive has been at the forefront of technological advances in the insurance industry for decades and offers a strong digital experience.
“Investment in cutting-edge technology facilitates user-friendly digital interfaces and efficient claim processes,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
Overall: Progressive is a trusted name in home insurance and is great for those who like digital access to their policy, but rates are on the higher side, so discounts will be important.
Where can you buy Progressive homeowners insurance?
Progressive offers home insurance in all 48 states, although coverage isn’t available in some parts of Florida.
| State |
|---|
| Alabama |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Progressive homeowners insurance cover?
A Progressive homeowners insurance policy covers everything included in a standard home policy. Those basics are:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
Progressive doesn’t list a lot of optional coverage for its home insurance policies, but more options may be available in your area. Listed on the Progressive site are:
- Water backup and sump discharge or overflow
- Personal injury coverage to expand liability protection
The standard home insurance exclusions apply to a Progressive home insurance policy, including:
- No coverage for floods and earthquakes (earthquake can be endorsed)
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed)
How much is Progressive home insurance?
The average Progressive homeowners insurance rate is $3,193 at our standard sample coverage of $300,000 in dwelling and liability with a $1,000 deductible. How much dwelling coverage you need will affect what you pay, as you can see below.
| Coverage level | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 liability | $2,426 |
| $200,000 dwelling, $300,000 liability | $2,438 |
| $300,000 dwelling, $100,000 liability | $3,182 |
| $300,000 dwelling, $300,000 liability | $3,193 |
| $400,000 dwelling, $100,000 liability | $3,609 |
| $400,000 dwelling, $300,000 liability | $3,618 |
| $600,000 dwelling, $100,000 liability | $4,320 |
| $600,000 dwelling, $300,000 liability | $4,331 |
| $1,000,000 dwelling, $100,000 liability | $5,687 |
| $1,000,000 dwelling, $300,000 liability | $5,698 |
Progressive home insurance discounts
Progressive offers a lot of home insurance discounts, with the largest being the new home discount at an impressive 68%. Here’s a look at the average amount you can save with each Progressive discount.
| Discount | Average rate before | Average rate after | % discount |
|---|---|---|---|
| New Home | $3,678 | $1,067 | 68% |
| Age of home | $3,612 | $2,977 | 16% |
| Upgrades | $3,327 | $2,807 | 14% |
| Separate Wind-Hail Deductible | $4,855 | $4,136 | 13% |
| Construction type | $3,737 | $3,426 | 7% |
| Bundle | $3,208 | $3,044 | 5% |
| Paid in Full | $3,791 | $3,642 | 5% |
| Sprinklers | $3,678 | $3,511 | 5% |
| Burglar Alarm | $3,678 | $3,573 | 4% |
| Fire Alarm | $3,756 | $3,640 | 4% |
| Gated Community | $4,214 | $4,116 | 3% |
| Water Safety System | $4,218 | $4,118 | 3% |
| Advance Purchase | $3,886 | $3,808 | 2% |
| Loyalty | $1,808 | $1,801 | 0% |
What makes Progressive home insurance rates go up?
Like all insurance companies, certain risks in and around a home increase rates. Below are some common risks and how much each will make your Progressive home insurance rate go up.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Age of home | $3,981 | $4,186 | 5% |
| Claims | $3,714 | $4,586 | 24% |
| Construction type | $3,384 | $3,601 | 6% |
| Distance From Coast | $5,983 | $7,392 | 22% |
| Dog | $3,915 | $3,940 | 1% |
| Marital Status | $3,791 | $3,869 | 3% |
| Pool | $1,808 | $1,858 | 3% |
| Smoker | $3,678 | $3,867 | 8% |
| Trampoline | $1,808 | $1,858 | 3% |
| Wood burning stove | $3,678 | $3,845 | 6% |
Progressive vs. competitors: How does Progressive stack up?
As you can see from the table below, Progressive is on par with competitors in most areas, but higher rates affected its overall ranking.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Progressive | $3,193 | 79% | 78% | 82% |
| Allstate | $2,098 | 83% | 82% | 81% |
| Nationwide | $2,746 | 74% | 78% | 77% |
What do people ask about Progressive?
Questions about Progressive home insurance? You’re not alone. Here are the answers to several common questions about Progressive.
What company is Progressive home insurance underwritten by?
Progressive underwrites its own home insurance but also has an agency that places customers with other insurance companies. Which option is available to you will depend on a variety of factors, including your location.
Is Progressive really cheaper?
Progressive certainly advertises itself as an affordable home insurance company, but whether it’s cheap for you depends on your circumstances. There’s no one insurance company that’s cheaper across the board for every homeowner in every situation, so you need to gather quotes and compare.
Are Progressive and Homesite Insurance the same company?
No. American Family Insurance owns Homesite Insurance. Progressive partners with Homesite, as it does with several other insurance companies, to provide home insurance.
Is Progressive a good homeowners insurance company?
Is Progressive good for home insurance? That depends on who you ask. We asked Progressive customers what they think, and in general, the response was positive, with 92% saying they would recommend the company.
Do people trust Progressive?
Trust is a big issue for homeowners insurance companies, and at 73%, a good number of Progressive customers say they trust the company. Only two companies in the survey scored in the 80s in this category.
Do people recommend Progressive?
In our 2024 survey, 93% of Progressive customers said they would recommend the company to others. That’s not the top score, but it’s a good number.
Do people plan to renew with Progressive?
We asked Progressive customers if they plan to renew their current home insurance policy and 94% said they did. Again, that wasn’t the highest score, but it’s a strong showing.
Is Progressive good at paying claims?
Progressive scored 851 out of 1,000 on the J.D. Power 2023 Property Claims Satisfaction survey, which is below the industry average. It’s worth noting that the J.D. Power survey looks at more than just claims payment, so that score includes the entire claims process.
With a strong A+ rating from AM Best, Progressive is in a strong financial state, which means the company has the resources to pay claims, even in times of financial upheaval.
