What does Progressive renters insurance cover?

There are several standard coverages included in a Progressive renters insurance policy. You can also opt for endorsements and add-ons for more protection.

Personal property 

Personal property coverage is the main portion of a renters insurance policy and provides coverage for everything you own. Landlords are not responsible for insuring their tenant’s property.

A Progressive renters insurance policy allows you to select the amount of personal property coverage you need. It’s important to note that personal property is usually covered at actual cash value, but you can upgrade your Progressive renters insurance policy to replacement cost coverage, which will pay the amount required to replace items new rather than their depreciated value.

Liability coverage

Progressive renters insurance includes basic personal liability insurance coverage that will protect you from negligence claims against you. You’ll be covered for both claims that you are responsible for injuries to others and for damage to their property.

Although a standard Progressive renters policy offers $100,000 in liability coverage, it costs very little to triple that coverage to $300,000.

Additional living expenses

A Progressive renters insurance policy includes additional living expenses/loss of use coverage that will help pay your extra expenses when you can’t live at home due to a covered loss.

This coverage pays for things like a hotel room, transportation expenses, dining out and even pet boarding.

Optional add-ons

There are some things that a Progressive renters insurance policy doesn’t cover, but a few of those can be added to your policy. Depending on where you live and your needs, you might want to add:

It’s important to note that floods are not covered by renters insurance and require a separate flood insurance policy.

How much does Progressive renters insurance cost?

Find your state in the table below to see the average cost of Progressive renters insurance based on $40,000 in personal property coverage with a $1,000 deductible and for liability limits of $100,000 and $300,000.

State$100,000 in liability coverage$300,000 in liability coverage
Connecticut$205$216
Florida$276$287
Kentucky$196$214
Louisiana$297$305
Michigan$315$330
Texas$175$189
Virginia$172$184

Progressive renters insurance cost by coverage level

The amount of personal property coverage you need has the greatest impact on the cost of a Progressive renters insurance policy. Compare costs below for Progressive renters insurance at various coverage levels.

Coverage levelAverage annual premiumAverage monthly premium
$20,000 with $500 deductible and $100,000 liability$196$16
$20,000 with $500 deductible and $300,000 liability$209$17
$20,000 with $1,000 deductible and $100,000 liability$177$15
$20,000 with $1,000 deductible and $300,000 liability$190$16
$40,000 with $500 deductible and $100,000 liability$255$21
$40,000 with $500 deductible and $300,000 liability$268$22
$40,000 with $1,000 deductible and $100,000 liability$225$19
$40,000 with $1,000 deductible and $300,000 liability$238$20
$60,000 with $500 deductible and $100,000 liability$316$26
$60,000 with $500 deductible and $300,000 liability$330$27
$60,000 with $1,000 deductible and $100,000 liability$275$23
$60,000 with $1,000 deductible and $300,000 liability$289$24

Progressive renters insurance discounts

Progressive offers renters insurance discounts to help reduce the cost of your policy. They include:

  • Multi-policy 
  • Quote in advance 
  • Receive documents by email 
  • Pay in full
  • Secured/gated community 
  • Single deductible benefit

Progressive renters insurance vs. competitors

Comparing Progressive renters insurance with other providers? Here’s a head-to-head look at average premiums from Progressive vs. Allstate, USAA and State Farm.

CompanyAverage annual premiumAverage monthly premium
Allstate$289 $24 
State Farm$196 $16 
USAA*$209 $17 

*USAA offers car insurance only to military members, veterans and their families.

How to file a renters insurance claim with Progressive

To file a renters insurance claim with Progressive, you have a few options. First, you can call the claims phone number provided on your policy. This is the best option if you need immediate help or are facing a major claim.

You can also file a claim online or via the Progressive mobile app. You’ll need to provide details and some documentation of the damage. Be sure to take photos and provide a list of everything that is damaged.

Is Progressive renters insurance good?

Progressive offers standard renters insurance policies with options for add-ons and discounts. You can customize your coverage to meet your needs.

Progressive earned a score of 619 out of 1,000 on J.D. Power’s list of the best renters insurance companies, and has an NAIC complaint ratio of 0.446, which is below the benchmark of 1.00.

FAQ: Progressive renters insurance

Can you cancel Progressive renters insurance at any time?

Yes, you can cancel a renters insurance policy with Progressive whenever you like.

Does Progressive renters insurance cover water damage?

Yes, a renters insurance policy with Progressive includes coverage for water damage from sudden and accidental sources, like a burst pipe. It doesn’t cover floods.

Can students or young renters get cheaper Progressive renters insurance rates?

Renters insurance rates are not based on age, so young renters won’t pay more or less than anyone else. However, there are discounts on Progressive renters insurance that can bring your rates down.

Tip iconHelpful home insurance tools and calculators