Progressive Home Insurance Reviews: What to Know in 2024

In Progressive home insurance reviews, customers say they like the ease of Progressive’s online tools and that the company provides comparison quotes from its competitors. Negative reviews often mention difficulty with completing simple transactions, problems getting the right people on the phone, and unsatisfactory claims handling. Is Progressive home insurance the right choice for you? Let’s dig in.

Quick Takeaways

• Progressive offers common homeowners insurance coverage but may not offer higher-level coverages and benefits.
• The average annual cost of Progressive home insurance is $2,648.
• In terms of cost, Progressive ranks middle-of-the-road among top homeowners insurance companies for average annual premiums.
• Progressive may be a good choice for homeowners insurance coverage, depending on your specific needs. 

About Progressive

Based in Ohio, the Progressive Corporation provides a wide variety of insurance options, including auto, home, life, and pet insurance. 

One of Progressive’s distinct characteristics is that it acts as a broker, with home insurance policies administered by a variety of insurance partners. By working with multiple underwriting insurers, Progressive can fit the wide-ranging needs of its customers. This allows Progressive to offer homeowners insurance to prospective customers that may have difficulty finding coverage elsewhere. 

Progressive Home Insurance Pros and Cons

Each homeowners insurance company has its benefits and drawbacks. Below are a few of the pros and cons consistently expressed in customer reviews and independent analyses of Progressive home insurance.

It’s up to each homeowner to determine whether the pros outweigh the cons. Check rates and talk with a Progressive agent to discuss any areas of concern before signing with Progressive. Remember, choosing an insurance company isn’t a lifetime commitment. If you are dissatisfied with your insurer, you can always start your search over again. 

Progressive Home Insurance Reviews from Customers

Customers are often split on their satisfaction with Progressive homeowners insurance policies. Many customers speak positively about customer service and like that Progressive shows quotes from its competitors for an easy shopping experience. Other customers express frustration with the claims process, difficulty with making simple updates, and large rate increases. 

Positive Progressive Home Insurance Reviews

In positive Progressive homeowners insurance reviews, many customers discuss quality of service, dependability, and the quoting process. Here are a few examples of reviews from homeowners:

“My family has used Progressive homeowners insurance for years … and I will always respect them for the great service that they provide. I like that they seem to care and that they are a dependable company. I have been very satisfied with the product.” — Brenda in Bay Minette, Alabama, via Consumer Affairs

“They were extremely helpful. They gave me prices of competitors — even ones that were lower prices! The gentleman who helped me was extremely friendly. He told me what all my options were. Once I found a policy, I wanted to pay for a year upfront and he walked me through the process and carefully explained how to fill out the online forms. I definitely recommend them!” — Mary in Modesto, California, via Consumer Affairs

Negative Progressive Home Insurance Reviews

Dissatisfied policyholders are quick to post reviews expressing their frustrations. The following quotes reflect the disappointment of Progressive customers in relation to the time required to request a simple change and dissatisfaction with home insurance rate increases without adequate explanation. Other reviews complain about claims being handled through third parties. 

“I had Progressive for about 4 years for auto and homeowners insurance. I never filed a claim for either. Then they canceled my homeowners insurance, saying that it was because of … the fire danger in CA. I told them they gave me the lowest danger rating for fire when they insured my home. They didn't care… Intelligence doesn't run strong with this shoddy company. They will screw you over out of the blue.” — Keith in Santa Rosa, California, via Consumer Affairs

“I was happy with Progressive until they wanted to increase my home Insurance 178%. Could not get answers to why the increase — just a list of possible causes without any ability to tell me how each impacted me. They said they had no way of determining the impact of each factor they cited…” — Terrence in Martinsburg, West Virginia, via Consumer Affairs

Of course, it’s wise to take negative reviews with a grain of salt, as you only see one side of the story. Still, perusing customer reviews can be helpful, especially when considered alongside information from trusted industry sources like AM Best or J.D. Power.

Progressive’s Home Insurance Coverage Offerings

Because Progressive often acts as a broker for other insurance companies, like Nationwide, Farmers, Homesite, and American Modern, available coverage options vary. However, the list below outlines Progressive’s typical homeowners insurance coverages.

• Dwelling: This coverage insures your dwelling, which consists of your main home structure and any attached structures.
• Other Structures: Detached garages, barns, fences, and other structures on the property not attached to the dwelling are considered other structures and may need to be insured with an add-on policy.
• Personal Liability: This provides coverage for legal liability costs and injury recovery costs related to events on your property. 
• Personal Property: This coverage insures personal belongings including furniture, clothing, free-standing appliances, and more.
• Guest Medical Payments: This covers payment of medical expenses for personal injuries sustained on your premises by guests.
• Loss of Use: This pays for expenses related to your home being inhabitable due to a covered claim.

You may be able to purchase additional homeowners insurance endorsements, such as water backup and sump pump discharge or overflow coverage. 

When you get a quote, make sure to ask about the specific coverages included, as well as about specific exclusions or coverage limits. You may need to purchase additional personal property or liability coverage — or look into an umbrella policy — to adequately cover your risk exposure.

Flood coverage is commonly misunderstood when it comes to home insurance. Coverage for water damage due to rising water is only available as a separate policy through the National Flood Insurance Program or private insurers. 

Progressive Home Insurance Quotes

Progressive home insurance policies have an average rate of $2,648 yearly, according to LendingTree. The national average for all homeowners insurance premiums nationwide is $2,801. Progressive customers save 5% over national averages but rank around the middle when compared to top insurers. 

Progressive Rates Vs. Other Insurers

Insurance premiums can vary greatly between insurers. Below is a comparison of Progressive’s average homeowners insurance rate to other national insurers’ average costs. Keep in mind that your home insurance rate may be very different from these average premiums based on rating factors specific to your location, home, and personal rating criteria.

Source: LendingTree

Progressive offers unique quoting tools, such as its Name Your Price tool. In a “reverse quote” type of process, Progressive asks you to name the price you’d like to pay for your insurance and attempts to find coverage to meet your price. 

It's important to note that price is not the only thing to consider when shopping for homeowners insurance. Take into account your coverage needs and ensure that the quotes you are receiving meet those needs. 

Progressive Home Insurance Discounts

Discounts can significantly decrease your Progressive home insurance premiums. Potential Progressive discounts include:

• Bundling: Insuring your home and auto insurance with Progressive can lead to a 7% savings.
• Safety and alarm discounts: Burglar and fire alarms, automatic sprinklers, security cameras, and security systems all offer discount opportunities.
• Quote in advance: Obtaining your home insurance quote from Progressive 10 days or more in advance of your policy start date could save you money.
• New purchase: Discounts are available for newly purchased homes and policyholders changing from renters insurance to homeowners insurance. 
• Receive documents by email: Opting for paperless documents can provide additional discounts.
• Pay in full: Paying your homeowners insurance annually can provide premium savings.
• Florida Wind Mitigation: Florida homeowners can save more on their homeowners insurance by complying with wind mitigation requirements. 

Not all discounts will apply to you, but by knowing what’s available, you can take full advantage of every opportunity, whether it’s installing a home security system or getting a quote for bundling with Progressive car insurance. 

That said, discount availability can vary. Be sure to ask about discounts when getting a quote.

Bottom Line: Is Progressive Home Insurance Good?

Progressive consistently ranks in the top 10 for homeowners insurance providers, indicating that many homeowners are finding value and satisfaction with Progressive homeowners insurance. 

Understanding what insurance provider will be underwriting your coverage and what that coverage entails and excludes is important in determining if Progressive is a good choice for you. We recommend starting with a quote, and from there, making your own list of pros and cons to compare insurers.

FAQ: Progressive Home Insurance

Is Progressive good about paying claims?

Progressive homeowners insurance claims are handled by third-party companies. Claims satisfaction varies based on personal experience and the insurance companies involved in the claim. U.S. News and World Report indicates a 52% overall satisfaction rate on claims resolution for Progressive claims. 

The whole purpose of your homeowners insurance is to be there when the unexpected occurs. Conduct your own investigation regarding claim satisfaction to look for common themes and areas of concern that matter to you. 

What is the best homeowners insurance? 

The best homeowners insurance is the one that gives you the most comprehensive coverage at the best rate, with a strong financial stability rating and good customer service and claims. The best home insurance for one person will not be the best insurance for someone else. 

Progressive home insurance may be the best insurer for a new homeowner in New York with an excellent credit score and a poor choice for someone in Louisiana with a previous water damage claim or vice versa. Educating yourself on coverage, exclusions, rating factors, and insurance company best practices will help you make the best home insurance choice for you. 

Are Progressive and Homesite the same company?

Homesite is a partner insurance company with Progressive. Homesite underwrites homeowners insurance for Progressive and other insurers, such as Geico. Progressive and Homesite are not the same company but rather work together to provide homeowners insurance coverage for Progressive customers. Progressive has other such partnerships that provide flexible options to meet homeowners’ unique needs. 

Does Progressive raise rates after a claim?

Homeowners insurance rates may rise following a covered loss. Whether your rate will rise and by how much may be determined by: 

1. Which home insurance company underwrites your Progressive homeowners insurance

2. The size of the claim

3. The circumstances of the claim

4. Proximity to other claims activity

If you are receiving a claim-free discount, the removal of this discount would cause your overall premium to be higher.

Rates can also increase for factors totally unrelated to claims on your home. Homeowners insurance rates only change at the policy renewal (annually). You should receive your renewal well in advance of the renewal date to give you time to address changes in premium and what options are available to you. 

How do I purchase Progressive homeowners insurance?

Progressive provides multiple avenues for getting a home insurance quote, including through its website or mobile app. If you prefer a more personal process, you can contact its call center or speak with an independent agent. 

Once you decide to proceed with Progressive, it's crucial to not cancel your existing home insurance until the coverage start date of your Progressive policy. Even a one-day gap could cause problems with your mortgage lender or lead to an uncovered claim. 

Next steps will be determined by how you began your quote. Each process will have step-by-step instructions on how to move forward with securing coverage. Make sure to let your mortgage lender know of the change and provide a new declaration page outlining the coverage on your new policy. 

Article written by Shawnette Good. 

Shawnette is an insurance professional with 30 years of industry experience helping consumers understand complex insurance topics. Outside of writing, Shawnette enjoys long nature walks and volunteering in her community.