Progressive home insurance review 2024
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BLUEPRINT
Updated 2:27 a.m. UTC March 13, 2024
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Pros
- Highly competitive rates.
- Offers discounts to customers with newer homes.
- Provides online quotes from multiple insurers in the Progressive network.
Cons
- No increased dwelling coverage.
- Few options for other types of additional coverage.
- May not insure homeowners who own certain dog breeds.
Why trust our home insurance experts
Our team of home insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 31,600 rates analyzed.
- 14 companies evaluated.
- 5 levels of fact-checking.
About Progressive home insurance
Progressive Mutual Insurance Company was founded in 1937 by two attorneys. Headquartered in the Cleveland suburb of Mayfield, Ohio, Progressive is now one of the largest insurers in the United States and is a publicly traded company.
Progressive home insurance rates
| AVERAGE ANNUAL HOME INSURANCE COST | $200,000 DWELLING COVERAGE | $350,000 DWELLING COVERAGE | $500,000 DWELLING COVERAGE | $750,000 DWELLING COVERAGE |
|---|---|---|---|---|
Progressive
| $514
| $729
| $975
| $1,424
|
Progressive home insurance costs an annual average of $729, or $61 per month, according to an analysis by our insurance experts. Thanks to these low rates, Progressive was the most affordable company in our analysis of the cheapest homeowners insurance companies.
Progressive vs. other home insurance companies
Progressive offers the most affordable home insurance of the insurers we analyzed.
| HOME INSURANCE COMPANY | AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE<br> | |||
|---|---|---|---|---|
| $61 | ||||
| ||||
| $96 | ||||
| ||||
 Erie | $105 | |||
| ||||
| $106 | ||||
| ||||
| $108 | ||||
| ||||
 Westfield | $112 | |||
| ||||
| $116 | ||||
| ||||
| $127 | ||||
| ||||
| $151 | ||||
| ||||
 American Family | $168 | |||
| ||||
| $170 | ||||
| ||||
 Country | $172 | |||
| ||||
 Shelter | $197 | |||
| ||||
 Travelers | $268 | |||
|
Progressive home insurance coverages
Homeowners insurance from Progressive offers financial protection against losses caused by disasters, accidents and theft. Like most standard homeowners insurance policies, which are called HO-3 policies, it provides six broad categories of coverage.
Dwelling coverage
Dwelling coverage is probably the first thing you’re concerned about when buying home insurance. It reimburses you for covered losses to your house’s structure and systems, including the roof, walls, foundation, flooring, pipes, wiring and attached structures like a garage or screened-in porch. You should purchase enough dwelling coverage to rebuild your house from the ground up with similar materials after a covered disaster, like a house fire.
Other structures coverage
While it might not be catastrophic to lose a detached structure, it would still be expensive to rebuild it. That’s why homeowners insurance covers things like backyard apartments, storage sheds, detached garages, greenhouses and retaining walls.
Personal property coverage
The stuff inside your house can add up to be nearly as valuable as the structure itself. Personal property coverage protects you against covered losses to these items, from costly items like beds, sofas, televisions and power tools all the way down to your big-box-store socks.
Standard home policies typically insure your belongings at their actual cash value, which reimburses you for the depreciated value of your items at the time of loss. If “replacement cost” coverage is available, however, you may want to consider this option. It reimburses you for the cost of new items.
Loss of use coverage
Loss of use coverage will pay for short-term housing, plus related costs above your regular monthly spending — such as for laundry service and pet boarding — if you need to live elsewhere while your home is repaired or rebuilt.
Liability coverage
Liability insurance pays for another person’s injury or damage to their property if you’re at fault. It helps cover their medical bills, as well as your legal fees and settlements or judgments if you’re sued over the matter.
This is the coverage you’ll be glad you have if your child flies a drone into your neighbor’s solar panels or your 60-pound puppy knocks someone over at the park.
Medical payments to others
For small injuries that aren’t anyone’s fault and don’t involve a lawsuit, medical payments coverage will provide a few thousand dollars for a guest’s medical bills. This part of your policy doesn’t cover the people who live in your home and it’s no substitute for health insurance, but it could be useful if your babysitter grabs a scalding pot lid with their bare hand and needs medical attention for a second-degree burn. You can typically get up to $5,000 in medical payments to others coverage.
Additional coverages offered
- Water backup and sump discharge or overflow: Dirty water and sewage can enter your home the same way they go out, due to clogged drains, sewer line failures and other problems. A standard home insurance policy won’t cover water and sewage removal or damage to your floors and possessions when this happens — but adding water backup coverage can pay for repairs in the event of drainage or sewage backups.
- Personal injury: For situations you or a household member might be sued for things that Progressive’s liability insurance doesn’t cover — such as slander, libel, malicious prosecution, wrongful entry and false arrest — personal injury coverage can help.
- Umbrella insurance: Purchasing a separate umbrella insurance policy can add at least $1 million in liability coverage to your homeowners and auto liability limits. It provides more protection than personal injury insurance and costs more, but tends to be inexpensive relative to the protection it provides.
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What does Progressive home insurance cover?
A standard HO-3 policy, the most common type of home insurance, covers all perils — or problems that cause damage to your house structure — except for named exclusions.
Your personal property, however, is only protected against losses caused by these 16 named perils:
- Fire and lightning.
- Windstorm and hail.
- Explosions.
- Riot or civil commotion.
- Damage caused by aircraft (not your own).
- Damage caused by vehicles (not your own).
- Smoke.
- Vandalism or malicious mischief.
- Theft and home break-in.
- Volcanic eruption.
- Falling objects.
- Weight of snow, sleet or ice.
- Accidental discharge or overflow of water or steam.
- Sudden and accidental tearing apart, cracking or burning.
- Freezing.
- Sudden and accidental damage from electrical current.
What doesn’t Progressive home insurance cover?
All homeowners policies have exclusions. Here’s what an HO-3 policy you buy through Progressive probably won’t cover.
- Earth movement: Earthquakes, mudslides, avalanches, sinkholes and volcanoes can cause serious damage that you’ll be on the hook for, unless you purchase a separate earthquake insurance policy.
- Flooding, water backup and sewer backup: While your policy protects you against losses from some types of water damage, it doesn’t protect you from flooding or storm surges. You may want to buy a separate flood insurance policy for flood protection. Water and sewer backup coverage can be added as an endorsement to a homeowners policy.
- Mold: If mold grows in your home after a covered loss from sudden and accidental water damage, your policy may cover mold removal. But if your home’s mold problem can be traced to neglect — like a slow leak that’s been apparent for months — you’ll have to pay for remediation yourself.
- Neglect and general upkeep: Attorneys might call it a loophole; insurers might call it shared responsibility. Either way, the neglect exclusion in a homeowners policy means you can’t just let your house fall apart, then expect your insurance to fix it. It’s your responsibility to perform routine maintenance, minimize damage as soon as you find it and make routine repairs.
- Windstorms (in some cases): Since hurricane damage is so costly, homeowners insurance companies may exclude windstorm damage or require you to pay a separate deductible if you file a claim for it if you live in an area that experiences frequent hurricanes or tornadoes. If you live along the Texas Gulf Coast, for example, you may need a separate policy or endorsement to be covered for damage to your home caused by high winds or hail.
Progressive home insurance discounts
Want to keep your premiums down? Here are some ways to do that with Progressive.
- Bundling: Getting both your home and auto insurance from Progressive will save you an average of 7%, according to our analysis. Progressive has one of the best home and auto bundles among the companies we analyzed.
- Safety: Burglar and fire alarms, automatic sprinklers, security systems and cameras can earn you a discount.
- Quote in advance: No one likes being asked to do stuff at the last minute. Progressive will give you a discount if you get a quote at least 10 days before you want your coverage to start.
- New purchase: If you’re purchasing a new house or one for the first time, you may get a discount.
- Electronic documents: Letting Progressive deliver your insurance documents by email instead of postal mail and you could save money.
- Newer home: The more recently your home was built, the bigger the discount you could get.
- Full payment: Save money by paying your annual premium all at once, not in installments.
Progressive customer reviews and complaints
Progressive has a low rate of customer complaints according to information compiled by the National Association of Insurance Commissioners from state insurance databases. Progressive’s complaint ratio is below average, but not as low as some of its competitors.
Progressive online tools
Progressive lets you file and view your claims online. The company also offers insurance calculators and tools to help you figure out how much coverage you need and create a home inventory of your personal property to substantiate a loss if you need to file a claim.
Other insurance products offered
Progressive doesn’t just offer home insurance. Here are some of the other insurance products it sells.
- Vehicle: Auto insurance, ATV/UTV, boat, classic car, golf cart, motorcycle, Segway, snowmobile and more.
- Property: Condo, renters insurance and mobile home.
- Personal: Umbrella insurance.
- Business: Owners policy, commercial auto, general liability, workers compensation and professional liability.
Methodology
Our insurance experts analyzed rates from 14 home insurance companies.
Home insurance companies were eligible for 100 points, with each factor carrying a different weight.
- Rates: 60 points. Our home insurance experts analyzed home insurance rates from Quadrant Information Services. The average rates are based on policies with dwelling coverage of $200,000, $350,000, $500,000 and $750,000. The homeowner profile was someone with a good credit score and no claims history.
- Complaints: 30 points. Our team of experts collected complaint data from the National Association of Insurance Commissioners, which shows the volume of home insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged.
- Extended/guaranteed replacement cost coverage upgrade: 10 points. Companies that offer extended and or guaranteed replacement cost coverage got full points. This type of coverage extends dwelling coverage limits and is increasingly important as we see inflation and natural disasters affect rebuild costs across the country.
Progressive home insurance reviews FAQs
You can apply for Progressive home insurance through the company’s website, mobile app or call center. You can also apply through an independent agent or broker.
Homeowners who own Akitas, American bulldogs, chow chows, Dobermans, Mastiffs, pit bulls, Rottweilers, Staffordshire terriers, wolf hybrids or any mix or variation of these breeds may not be able to purchase a homeowners policy from Progressive, according to our analysis of state insurance department filings.
Also, Progressive may not offer coverage to homeowners who own a dog with a history of biting, regardless of breed. Or, the company may offer coverage but assess an aggressive dog surcharge. According to the Insurance Information Institute, the average cost per dog bite claim in 2022 was nearly $65,000.
See if your dog is on the list: Which dog breeds are banned by home insurance?
Progressive itself does not write home insurance policies. When you request a quote from Progressive — whether through its website, mobile app or call center — you’re actually getting service from Progressive Advantage Agency, which then gets you a quote from one or more affiliated or third-party insurers who may offer you a policy.
Here are some affiliates and subsidiaries in the Progressive network:
- American Modern.
- American Strategic Insurance Corp.
- Assurant.
- First American Property and Casualty Insurance Group.
- Foremost Insurance Group.
- Homesite Insurance Group.
- IDS Property Casualty Insurance Company.
- National General Insurance.
- Nationwide.
- Occidental Fire and Casualty Company of North Carolina.
- Plymouth Rock Assurance.
- QBE Insurance Corporation.
- Ryan Specialty.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
