Carrier vs. Carrier Comparisons
Progressive was founded in 1937 as an auto insurance company in Cleveland, OH. However, Progressive has only been selling homeowners insurance with their insurance partners since 2014.
Read our full Progressive homeowners insurance review below to learn about what Progressive homeowners insurance covers, how much it costs, and more.
To compare your existing Progressive homeowners insurance quotes to other companies, enter your ZIP code into our free quote comparison tool above.
What does Progressive homeowners insurance cover?
It's important to start by saying there is no Progressive homeowners insurance company. Policies are underwritten by a variety of partners. That means coverage may vary. Each company and policy provides multiple policy customization options. However, every homeowners policy typically comes with some basic coverages.
First, your Progressive homeowners insurance policy is likely to cover your dwelling, other structures, and personal property. Your policy will cover repairs or the cost to rebuild your home or other structures, such as sheds or fences. In addition, it could cover repairs or replacement of personal items, such as furniture, jewelry, and more.
Your homeowners policy may also cover living expenses if you have to stay somewhere else or eat at restaurants while your home is being repaired or rebuilt.
Some homeowners insurance policies may also include liability and medical payment coverage. Liability coverage will cover damage to other people and their property caused by the policyholder, while medical payments will cover injuries to guests at the policyholder's home.
Optional coverages could cover water damage from plumbing problems, personal injury coverage (for damages caused by slander, libel, false arrests, and more), new materials and appliances during a replacement or rebuild, and extra valuables.
How much is Progressive homeowners insurance?
Let's look below at how Progressive homeowners insurance rates compare to rates from other companies:
| Homeowners Insurance Company | Average Annual Rate for Homeowners Insurance |
|---|---|
| Progressive | $1,236 |
| Lemonade | $1,461 |
| Nationwide | $1,724 |
| State Farm | $1,731 |
| Allstate | $1,910 |
| Farmers | $2,019 |
While it seems that Progressive seems to offer affordable homeowners insurance rates, you should keep in mind that your rates can vary based on many different factors, such as your location, the value of your home and belongings, your demographics, and more.
Progressive also offers various discounts to save on your homeowners insurance. For example, Progressive has bundling discounts, which can save you money for bundling your homeowners insurance with auto insurance, motorcycle insurance, and RV insurance.
In addition, Progressive gives discounts for safety and alarm systems, such as sprinkler systems, fire alarms, and more. Other discounts can be given for policyholders who have bought or constructed a new home, go paperless, receive quotes in advance, or pay their policy in full.
How is Progressive homeowners insurance rated?
The BBB has given Progressive an A- rating. Progressive home insurance reviews from BBB cite problems with customer service, slow and unsatisfactory claims processing, and issues concerning payments.
While you are unlikely to find any Progressive insurance reviews from Consumer Reports, you can find information on how Progressive compares to other insurance companies. You may also be able to interact with real customers by looking at Progressive home insurance reviews on Reddit.
Progressive has an NAIC complaint index of 1.71. Compared to the national average of 1.00, this means that Progressive gets more complaints than companies of a similar size.
In addition, Progressive has a long-term issuer credit rating of "A" from A.M. Best, which means they have an excellent ability to meet their long-term debt obligations.
How do I file a Progressive homeowners insurance claim?
When you buy Progressive homeowners insurance, your policy may be underwritten by another company, such as American Modern, First American, Homesite, Nationwide, QBE, or others.
Therefore, the first step in filing a homeowners insurance claim with Progressive is to contact the company that underwrites your policy directly. If you don't know what company underwrites your policy, you can call Progressive at (800) 776-4737.
Your insurance company may ask for pictures and receipts or schedule a time for an adjuster to come to your home. The adjuster will then review estimates and deductibles. Finally, you will receive a payment from your insurance company which you can use to repair your home or belongings.
How do I contact Progressive?
Progressive's general customer service phone number is (888) 671-4405. In addition, Progressive's fax number is (877) 280-5587.
If you'd like to contact Progressive online, you can begin by logging into your Progressive account, where you can view your policy, file claims, make some changes to your account, and more. Progressive also has a live chat option, and you can email customer service after you've logged in.
The Progressive headquarters is located at The Progressive Corporation, 6300 Wilson Mills Rd., Mayfield Village, OH 44143.
Should I buy Progressive homeowners insurance?
The Progressive homeowners insurance program may be able to provide an affordable homeowners insurance policy. However, the policy isn't technically from Progressive since it is underwritten by another company.
You may also want to consider the fact that some customers complain about Progressive's customer service issues for its homeowners insurance policyholders.
Overall, Progressive is a well-known company with a decent reputation, but you may be able to find a company that specializes in homeowners insurance and, therefore, may know more about the specific services and coverage that homeowners need.
If you're unable to find affordable Progressive homeowners insurance rates, enter your ZIP code into our free quote comparison tool below to find homeowners insurance companies in your area.