Insurance

Progressive Homeowners Insurance Review

Progressive dates back to 1930s Ohio and prides itself on its history of innovation as an insurer and underwriter. Today it offers a wide variety of insurance policies, including homeowners, mobile home and condo insurance, renters insurance, and insurance for a wide range of vehicles. In recent years, it’s gotten attention for its commercials featuring the character Flo and rolled out apps for smartphones and voice assistant tools.

Progressive offers homeowners insurance through its Progressive Home Advantage network of insurers, including its own American Strategic Insurance unit. While the insurance is sold under the Progressive label, the details vary based on the particular carrier ultimately writing your policy.

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Pros:

  • Can easily compare rates from other insurers through Progressive
  • Discounts for signing up early and getting documents by email

Cons:

  • Homeowners insurance offered by third-party companies
  • Discount for bundling home and auto is less than competitors offer

Progressive ties for tenth place in our rating of the Best Homeowners Insurance Companies of 2021. It offers homeowners insurance through third-party insurance companies, which vary from state to state. That’s who you’ll work with when you need to file a claim, which can potentially add some complexity.

One advantage of working with Progressive is its online HomeQuote tool, which allows you to compare quotes from multiple providers of homeowners insurance. When possible, the program imports data about your home from public records, saving you the time to input all the information yourself.

Progressive also offers a wide variety of discounts, for things such as agreeing to receive documents by email, signing up at least 10 days before you need a policy, paying in advance, and having a relatively new home. It also offers a discount for bundling home and auto insurance, although at only 5% of the advertised level, which is less than some other companies in our rating offer.

Progressive does provide optional coverage for things like water back-up that affects your home and personal property and liability for personal injury suits, including things like libel suits. Flood, sinkhole, and earthquake insurance are not included in a standard policy but are often available through Progressive.

What Homeowners Insurance Plans Are Available from Progressive?

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A Progressive homeowners policy typically covers your home as well as other structures on your property such as a shed, deck, gazebo, or driveway. It also covers your personal possessions if they’re damaged or stolen, but keep in mind that you may want to purchase additional coverage for valuable items like jewelry, art, and laptops.

The policy also covers loss of use of your home, meaning that if it’s damaged by something your insurance covers and you can’t stay there, you can get compensated for hotel, rent, and other living expenses. Personal liability is also covered, so if someone sues you or a family member who lives in your home, your expenses – including a judgment against you and your court and legal costs – will often be covered. Medical expenses for other people hurt on your property are also often covered. You can buy additional coverage for personal injury suits, which include types of cases like false arrest, wrongful eviction, and libel or slander.

Generally, the insurance covers damage or loss from lightning, fire, tornados, theft, vandalism, and other sudden, unexpected events. Wear and tear and maintenance are not covered, and flood, earthquake, and sinkhole coverage are typically extra.

Where Is Homeowners Insurance Coverage from Progressive Available?

Available in:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • 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

What Discounts and Bundles Are Offered by Progressive?

You can get money-saving discounts for paying your premium a year in advance, multi-policy bundling with auto insurance, and for various other factors like agreeing to receive documents via email. If you have safety features like alarms or a newly purchased home, you are also eligible for discounts from Progressive.

Discounts

  • Alarms and security systems
  • Getting a quote at least 10 days in advance
  • Insuring a new home

Bundles

  • Home and auto
  • Home and motorcycle
  • Home and RV

What Extra Options Are Offered by Progressive?

Progressive offers coverage options beyond what’s included in its basic homeowners insurance policy. This includes additional coverage for valuable items like art and electronics, added liability coverage for certain types of lawsuits, and coverage for water backup that can damage your home and the things in it.

  • Water backup from sump pumps and sewers
  • Personal injury suits, including libel and slander
  • Extra coverage for expensive personal items

What Additional Homeowners Coverages Are Offered By Progressive?

Progressive covers damage to your home from things like lightning, tornadoes, and fires. But like many insurers, it doesn’t cover damage from floods, earthquakes, or sinkholes in its basic policies. You can talk to a Progressive agent about getting additional coverage to protect you from these types of events.

  • Flood insurance
  • Sinkhole insurance
  • Earthquakes, landslides, and mudslides

Compare homeowner insurance policies instantlyZip:Age:35-44Current Insurer:– Select Current Insurer – Homeowner RenterCompare Quotes

How Do I Buy Progressive Homeowners Insurance

You can get a quote from Progressive and see various insurers’ rates for home insurance policies using its HomeQuote Explorer tool. You can contact a Progressive representative if you want more information. Progressive will help you identify information about your home using menus, but it’s good to have information on when your home was built and any special valuables you might want more insurance for on hand. Keep in mind you can get a discount from Progressive if you get a quote more than 10 days before you’ll need the policy to start.

  1. Gather information about your home such as its age, any additional insurance you need, and when you need your policy to start (remembering you can get a discount from Progressive if you buy early).
  2. Use its HomeQuote Explorer tool to look for a plan that works for you.
  3. Work with Progressive to sign up and pay, noting you get a discount for paying a year in advance, and to share your insurance information with your mortgage lender.

How Do I File a Homeowners Insurance Claim with Progressive?

Keep in mind that Progressive may not actually be the insurer on the policy you buy through the company. But, Progressive can help you determine who your insurer is and put you in touch. You’ll ultimately have to work with that insurer’s customer service or perhaps use its mobile app. The insurer will then send you an estimate for what it will pay to cover the damages from your claim, and you can work with that company to get paid to have your home repaired or to get funds to replace the goods inside as needed.

  1. Check your policy documents to see who your insurer is. If you’re not sure, contact Progressive customer service.
  2. Work with that insurer to file your claim, schedule an adjuster inspection if needed and get an estimate for what the insurer will pay.
  3. Get necessary fixes done and keep in touch with the insurer about costs and any unexpected issues that may require a revised estimate.

Progressive vs. the Competition

Progressive vs. Lemonade

Progressive and Lemonade both emphasize technology in searching for policies. Progressive’s HomeQuote Explorer system shows you quotes from different insurers, while Lemonade lets you purchase insurance through its website or mobile app. Progressive is available in almost every state, while Lemonade is only available in certain states. Also, keep in mind that Progressive policies come through a variety of insurers, you will need to work with one of them to file claims, while Lemonade has you file any claims directly through its mobile app. Progressive offers discounts for bundling auto insurance, while Lemonade offers them for bundling pet insurance.

Progressive vs. USAA

Progressive sells insurance from multiple insurers, letting you compare options through its HomeQuote Explorer tool. USAA lets you get a quote online through its own website. Progressive sells policies in almost every state, and USAA sells them in every state, but USAA is generally only available to military members, veterans, and their relatives. Both cover things like fire damage and theft, but USAA includes additional, military-specific coverage for things like uniforms. Filing a claim with Progressive depends on the actual insurer that issued your policy, while you file claims directly with USAA. Both offer discounts for bundling home and auto policies.

FAQ

What Does Progressive Homeowners Insurance Cover?

Progressive covers damage to your home and the things in it, as well as bodily injury and medical payments for people who are injured in your home and on your property. It also covers living expenses, like food and board, if your home is damaged by a covered event and you need to relocate while repairs occur.

What Does Progressive’s Homeowners Insurance Not Cover?

Normal wear and tear on your home isn’t covered by Progressive or by most insurers. Progressive also doesn’t cover damage from earthquakes, floods, or sinkholes by default. For that, you must buy extra insurance. You can also buy extra insurance to cover damage from water back up from sump pumps and sewers.

How Much Does Progressive’s Homeowners Insurance Cost?

Your premium cost depends on the details of your home and the coverage you get. Factors like the location and age of your home will influence the rate a homeowner receives. You can also get optional add-ons, like extra coverage for expensive personal items or certain types of liability for items such as a pool or trampoline. These add-on coverages will however add to your costs. And you may have a deductible before your homeowners insurance kicks in.

Bundle discounts are available for home and auto insurance.

Does Progressive’s Homeowners Insurance Cover Mold?

Like other insurers, Progressive doesn’t cover mold unless it’s caused by a sudden, unexpected event. Otherwise, mold and mildew control is considered the homeowner’s responsibility.

Does Progressive’s Homeowners Insurance Cover Water Damage?

Progressive doesn’t cover flooding or damage from backed-up sewer systems or sump pumps unless you buy extra coverage. The policy will cover water damage from sudden unexpected events like burst pipes, roof damage, and leaking appliances. General maintenance and wear and tear aren’t covered, so gradual water damage may not be covered.

Does Progressive’s Homeowners Insurance Cover Termites?

Termite control is considered part of home maintenance, so termite damage to your home and termite extermination isn’t covered by Progressive or most other insurers.

Does Progressive’s Homeowners Insurance Cover Theft?

Progressive does cover theft of your personal property in your home or elsewhere. More expensive items like art and collectibles may need additional coverage.

Does Progressive’s Homeowners Insurance Cover Roof Leaks?

Progressive generally does cover water damage from roof leaks. Sudden mishaps are more likely to be covered than gradually worsening issues that could be considered neglect.

Does Progressive’s Homeowners Insurance Cover Tree Damage?

Progressive does cover tree damage to your home, your neighbors’ houses, and other items if it’s your tree that causes damage. It doesn’t cover proactively removing a tree.

Does Progressive’s Homeowners Insurance Cover Dog Bites?

Getting homeowners insurance that covers dog bites can cost more, and whether you can get coverage can vary based on the breed of your dog, according to Progressive.

Does Progressive’s Homeowners Insurance Cover Personal Injury?

Progressive generally covers medical expenses and other costs if someone is injured on your property, including medical bills.

Does Progressive’s Homeowners Insurance Cover Fire?

Progressive covers fire damage to your home, other structures, and personal property. However, you may need to pay a higher rate if you live somewhere more susceptible to wildfires.

Does Progressive’s Homeowners Insurance Cover Insect Damage?

Damage from insects like termites typically isn’t covered by Progressive or other insurers because keeping the home treated for pests is considered part of home maintenance.

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