Progressive Homeowners Insurance Review 2022

Huge discounts and a plan for every budget — if you don’t mind picking up a phone

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SecureScore™: 8.8 / 10 This rating is derived from our editorial team's research, hands-on product testing, and customer surveys.
Rob Gabriele https://www.safehome.org/author/rob-gabriele/
8.8 SecureScore™ How We Review
Affordability
8.9
Coverage
8.5
Customer Service
8.6
Online Quote
8.2
Discounts
9.4
Bundles
9.1
SecureScore™
8.8
How We Review

Progressive Overview

Progressive was one of the first insurance companies to launch a website (back in 1995!), as well as one of the first to offer comparison shopping.

And, of course, they’ve got Flo.

So Progressive really was one step ahead of the customer experience curve for decades. But now that insurtech startups like Lemonade have joined the fray with customer-first plans for less, can Progressive really find us better rates? How does their coverage actually stack up? Is the Progressive customer experience still reliable?

That’s what I wanted to find out. So I did what I always do when I’m testing an insurance provider I’ve heard good things about. I simulated insuring a real house from top to bottom, starting with my coverage.

Did You Know: Progressive launched comparison rate shopping back in the early ’90s. 1-800-AUTO-PRO was the industry’s first toll-free, 24/7 auto insurance comparison rating service.

PROS
  • Competitive rates
  • Excellent discounts
  • Quick comparison shopping
  • Partners with 13 insurance companies
  • Top-ranked in customer satisfaction
  • Quality knowledge base

CONS
  • Can’t finalize quote online
  • No video claims
  • Sheer amount of products can be confusing

Progressive has been writing insurance policies since 1937.

Progressive has been writing insurance policies since 1937.

Progressive Homeowners Coverage

Progressive doesn’t wander very far from the beaten path when it comes to home insurance coverage.

But one thing you may not know is that Progressive collaborates with 13 other insurance companies, including Nationwide, so it’s likely that the coverage I’m about to share with you will vary from company to company.1

Homeowner’s Tip: Homesite, one of Progressive’s top insurers, offered me a cheaper quote than I got from Progressive’s own HomeQuote Explorer (see below). So don’t rely on Progressive’s search engine alone. If you find an insurer you like, try getting a direct quote, too.

Basic Coverage

Here’s what came with my Progressive homeowners policy.

  • Dwelling coverage: This is the maximum amount Progressive will pay me to rebuild my house in the event of a disaster. I didn’t see any extended coverage in my quote, but according to Progressive, it’s an option. If I ever do need to rebuild my house and prices have gone up, I’d have the extra cash to do it — typically 10 to 50 percent, depending on how much more I’m willing to pay.
  • Other structures: Insurance companies go out of their way to separate coverage for what you’ve built on your property (driveways, decks, garages, etc.) from your house itself. They do this partially just so that we’re aware that those structures are covered, but also so that we can protect any extra investment to our property, like a snazzy new barbecue deck, relative to its worth.
  • Personal possessions: I’ll be honest. I found Progressive’s handling of belongings coverage a little murky. After my thoroughly enjoyable experience with my Nationwide homeowners policy, where I could tweak everything, I felt I wanted a little more control and information about what would happen to my possessions in the event of theft or accident. Online, I found blanket replacement cost coverage (which is a good start), with an option to add additional valuables coverage with an agent.
  • Personal liability: People who get hurt on my property — even my own guests — can sue me. With my standard Progressive policy, I get $300,000 to cover any legal or court expenses I might get stuck with. My personal liability insurance also covers cases where I cause damage to someone else or their things on their property.
  • Medical expenses to others: I’ve never had a guest injured on my property (knock on wood), so I went with the standard $1,000 payout. This would only cover accidents to “guests,” by the way, not for a situation where I ran a business out of my house and an employee got hurt.
  • Temporary living expenses (loss of use): If my house is uninhabitable for a spell and I have to move out, Progressive will cover my living expenses, usually lodging and food. My Progressive quote specified “actual losses sustained,” which means they’ll pay the difference between my normal living expenses and any extra expenses I rack up while my home is off limits.

ACV or RCV? Two Abbreviations You Should Know: Generally, if there’s a choice between choosing actual cash value (ACV) — the cash my insurer thinks my stuff is worth however many years after I bought it — and replacement cost value (RCV) — how much it actually costs to buy it all back new at the time I lose it — I always go with RCV. Otherwise, the $5,000 designer couch I bought in 2016 is just $250 worth of used furniture when it’s time to replace it.

Extra Coverage

Progressive is a massive company and insures just about everything under the sun, so if you don’t see something you want on this list, it’s probably because Progressive sells it as a separate insurance, not extra coverage.

For example, Progressive offers phone and device insurance — think equipment breakdown coverage for your gadgets — for $158 per year. But they don’t offer additional personal electronics coverage like you’d find in a more customizable Lemonade plan.

Portable electronics coverage is a separate insurance policy with Progressive.

Portable electronics coverage is a separate insurance policy with Progressive.

  • Water backup: Water backup insurance covers damage (to your things) from clogged sewers and pipes. It might not sound like much if you’ve never lived through it, but that kind of damage can be very costly. Depending on where you live, this may be coverage you’ll want to add.
  • Personal injury (defamation): Progressive’s personal injury coverage isn’t for bodily injury; it’s for verbal injury. Specifically, it covers yours truly in case I “injure” someone with my words, a.k.a. libel or slander. A little too Judge Judy? That’s what I thought, so I left that box blank. But you may want to consider it if you’ve got kids with hot tempers and social media accounts.

Standard Replacement Versus Extended Replacement Coverage: If I estimate that I’ll need $350,000 to rebuild my house, and I cover myself for that amount — i.e., standard replacement — isn’t anything above overkill? Not necessarily. That extra boost of coverage, which we call extended replacement, is really just inflation protection that will cover me in case construction costs (labor, materials, demand) go up in the intervening years, which they almost always do.

Getting a Quote with Progessive’s HomeQuote Explorer®

Progressive’s HomeQuote Explorer pulled data from 13 different insurance companies to find the ideal plan for me.

Progressive’s HomeQuote Explorer pulled data from 13 different insurance companies to find the ideal plan for me.

Progressive’s HomeQuote Explorer is a comparison shopping engine. If you’re thinking Expedia for home insurance, I don’t want to dash your hopes, but HomeQuote Explorer isn’t that. It isn’t pulling quotes from the market at large, in other words. It’s matching your insurance profile to the best product from among its own plans and the plans of the 13 companies it partners with.

The other thing I’d like to point out is that HomeQuote Explorer gave me only a bare-bones sketch of my quote. The fine points I had to finalize with an agent. So there are no instant quotes and no tweaking.

HomeQuote Explorer did perform one really neat trick that I liked a lot. It asked me to choose from three priorities before it pulled up my premium: “Lower price,” “More coverage,” and “Both are important.” I found this very useful because even if I couldn’t go into the nitty-gritty of my policy online with Progressive, I could at least get a feeling for the range of rates I’d be looking at.

Progressive asked me the most important question of all —what I valued most in my policy?

Progressive asked me the most important question of all —what I valued most in my policy?

Did You Know: In 2017, Progressive was the first insurance company to support Google Assistant. Users couldn’t get a quote or file a claim, but they could ask for tips on home and auto insurance.

Progressive Homeowners Rates

Cost

One thing I found out fast when feeling out my Progressive premium was that when my priority was more coverage, I ended up with, well, a lot more coverage.

To give a concrete picture, the home in question was a 1,884-sq.-ft. colonial in a low-risk area in New Jersey. The list price was $260,000, or just about the national average. My rate reflected a protective devices discount because the property had fire and security alarms, and deadbolts. Here’s what Progressive quoted me.

More property coverage drove my Progressive premium up.

More property coverage drove my Progressive premium up.

Yikes! That’s $152.50 per month, or about $30 higher than my Lemonade quote for the exact same house. Was Progressive trying to pull a fast one on me? They weren’t. They were just giving me what I asked for: risk-free dwelling coverage. To put that claim to the test, let’s see what happens when savings is my priority.

Homeowner’s Tip: Not sure how much home insurance you need? Here’s a quick way to estimate. Take the total square footage of your home and multiply it by the per-square-foot building costs in your area. You can leave land value out of the equation.

When my priority was a lower premium, Progressive found me a much cheaper quote.

When my priority was a lower premium, Progressive found me a much cheaper quote.

$98 a month is a number I like a lot better. Also notice that this quote comes from Nationwide, a Progressive affiliate. I’ve already written in detail about Nationwide’s rates, and these numbers do check out.

Here’s a breakdown of my first (more expensive) quote, so you can see exactly what it includes in broad brush strokes.

Type of coverage Amount of coverage
Dwelling $431,000
Other structures $43,100
Belongings $215,500
Temporary living expenses $86,200
Personal liability $300,000
Medical payments to others $1,000 per person
Wind and hail deductible $1,000
Deductible $1,000
Monthly cost $152
Yearly cost $1,830

FYI: Progressive first launched “usage-based” auto insurance back in 2008. Today, Progressive’s Snapshot program follows in that tradition, basing customer insurance rates on how much they actually drive.

Estimated Monthly Rate Based on Amount of Coverage

A range between $98 and $152 per month is obviously quite large. Just keep in mind that I insured a 16-year-old $260,000 house in a low-risk location. Your situation will likely be different. You may also find a better deal from one of Progressive’s partners. Remember, HomeQuote Explorer didn’t always show me the best rates.

Amount of coverage Estimated monthly rate
Low $98
Medium $128
High $152

Progressive Customer Experience and Claims

Is partnering with Progressive as fun as watching Flo from the Progressive TV commercials? Yes and no. In 2020, the National Association of Insurance Commissioners (NAIC) reported a serious spike in Progressive consumer complaints. Progressive was perched uncomfortably high at 9.02, or nine times higher than the industry average.2

But Progressive works with a bunch of different insurance companies. For example, Nationwide, a Progressive partner, tallied up a squeaky clean .53, or half the industry average. The good news is, with Progressive, you’ll have the option to choose your home insurance provider. My advice is to check out those NAIC consumer complaint ratings by code and choose wisely.3

Did You Know: In their latest Digital Experience Study, J.D. Power ranked Progressive second in overall customer satisfaction.4

Discounts

  • Home and auto bundle: While I wasn’t going to save as much as I did when I bundled my State Farm policy, I could knock a semi-sweet 4 percent off my yearly Progressive premium.
  • New home: My home was built in 1994. If yours is brand new (or newly renovated), Progressive will offer you a lower premium.
  • Protective devices: Insurance companies want to know how safe our homes are, down to the kinds of locks we have on our doors, because the more secure our homes are, the less risk for them. Not sure how safe your house is? Take our quick home security quiz to find out. And consider purchasing one of the best home security systems on the market.
  • Progressive contractor networks: This is location-contingent, but working with a contractor from the Progressive network can save you money, too.
  • Pay yearly, go paperless: Many of us pay for our Netflix bill monthly, but dropping $1,500 at once for our homeowners premium may not be possible. But paying bills online is easier (and cheaper) for everyone.
  • Single deductible: A little unlikely, but possible. If a single accident damages both my home and my car, and American Strategic Insurance is underwriting both policies, I could pay a single deductible for both claims.
  • PerkShare®: PerkShare is a smorgasbord of special deals and discounts for Progressive customers. I found some gems, like $500 back from Rocket Mortgage and two months of SiriusXM satellite radio for free. (FYI, I also found some oddball specials, like five bucks off a name-change service and a free “just married” sign for my car.)

FYI: AM Best, the top name in insurance industry financial ratings, awarded Progressive an A+ (Superior) financial stability rating.

Progressive Homeowners Policies Availability by State

Progressive writes policies in most states, but that doesn’t mean they’ll be able to match you with the insurer of your choice. The easiest way to find out if Progressive writes policies in your area, and whom it partners with there, is to take the HomeQuote Explorer out for a spin. It takes only a few minutes.

Progressive Versus the Competition

Provider Lemonade Liberty Mutual Nationwide Progressive State Farm
Online quote Yes Yes Yes Yes Yes
Our score 9.4 8.6 9.1 8.7 9.2
Availability 22 states 50 states 44 states Most states 48 states
BBB rating Not rated yet B A+ A- A-
Years in business 6 110 95 85 99
Customer satisfaction A B- B B A-
Discounts Limited Yes Yes Yes Yes
Bundling Yes Yes Yes Yes Yes
Mobile app Yes Yes Yes Yes Yes

Where Progressive Hits the Mark

Progressive is an insurance superstore overflowing with plans, perks, and discounts. They also partner with 13 other top U.S. insurance companies, so I was almost guaranteed to get a competitive rate. The online quote process was simple, if bare, but Progressive has a terrific online knowledge base, and an agent in my area was only a telephone call away.

Homeowner’s Tip: Insurers calculate your premium based on credit and claims histories, so your insurance score may affect your home insurance rate. The idea is that credit history can predict insurance risk. The higher your insurance score is, the cheaper your premium will be.

Where Progressive Falls Short

I’m really into the nuts and bolts of my insurance policies, and I like to do as much tweaking online as possible. Progressive didn’t give me much room for fine-tuning.

Preferably, I’d also like to be able to finalize my quote on the web. With Progressive, I couldn’t. It required a phone call. Ditto for filing a claim, which may be taking a step backwards in time for anyone who’s filed a video claim. (Check out my Liberty Mutual homeowners review for an inside look at video settlements).

Other Policies Progressive Offers

  • Home security insurance by SimpliSafe: Investing in a home security system is one sure way to bring your premium down. SimpliSafe also happens to be one of our top picks for DIY home security this year. Get an overview of how to burglar-proof your home on the cheap in our SimpliSafe pricing guide.
  • Identity theft insurance by IDnotify: You hardly ever catch identity thieves until it’s too late. IDnotify from Experian, one of our favorite home identity theft monitoring services in 2022, keeps watch over all your sensitive details so you can stay one step ahead of the fraudsters. For plans and pricing, check out our IDnotify buyer’s guide.
  • Auto and vehicle insurance: If it moves on land or sea, Progressive probably has an insurance plan for it, with 4 percent savings on auto and home insurance bundles.
  • Pet insurance: Progressive’s two pet plans — EssentialWellness and BestWellness — offer the same coverage, but with different caps. EssentialWellness plans, the cheaper of the two, start at $16 per month, but don’t include dental or spaying.

Did You Know: Thinking about gliding to work? Progressive writes Segway insurance policies. In fact, you can score a discount on your homeowners insurance by bundling the two.

Glide protected with Progressive Segway insurance.

Glide protected with Progressive Segway insurance.

Our Final Verdict

Progressive is kind of like Walmart: If you’re in the market for insurance, they probably have it on their shelves. Plus, they let you bundle it for extra savings. Unlike Walmart, though, Progressive’s comparison shopping engine finds you the best deal whether they have it in stock or have to order it from another provider.

And that isn’t hypothetical. I’ve got the numbers to prove it: a $98 monthly premium on a real house, which is incidentally about five bucks below the national average.

Did I feel a little lost at times trying to keep insurance providers and coverages straight in my head? Did I want to experiment a little more with my online quote and finalize with a click? I did, but on balance, that wouldn’t have stopped me from choosing Progressive if the rates were right.

FAQs

Can I file a homeowners claim online with Progressive?

No. You’ll need to file your Progressive home insurance claim by telephone, and not necessarily with Progressive. You’ll have to contact the company underwriting your insurance (13 providers in total). So keep that number handy.

Does Progressive have a mobile app?

Yes, but Progressive’s app is mainly for keeping track of payments in and out.

Will Progressive give me the best quote?

Progressive partners with 13 U.S. insurance companies, some of them well-known names in the industry like Nationwide, so Progressive’s rates are generally competitive.

Is Progressive home insurance available everywhere?

Yes, with the possible exceptions of high-risk areas. You can find out if Progressive serves your areas by typing your ZIP code into the HomeQuote Explorer.

Does Progressive give online quotes?

Yes and no. You can get a bare-bones quote online, but to finalize (and tweak) your quote, you’ll need to speak with a Progressive agent.

Top
Citations
SafeHome.org only uses high-quality sources to support the facts within our articles. Read our editorial guidelines to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Progressive. (2022). Progressive Home Program Companies.
    https://www.progressive.com/homeowners/homeowners-companies/

  2. National Association of Insurance Commissioners. (2022, February 9). Results By Complaint Index.
    https://www.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=24260&REALM=PROD

  3. National Association of Insurance Commissioners. (2021, December). Listing of Companies Summary.
    https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf

  4. J.D. Power. (2021, May 25). Property & Casualty Insurers Stuck at Providing Only “Good Enough” Digital User Experience, J.D. Power Finds.
    https://www.jdpower.com/business/press-releases/2021-us-insurance-digital-experience-study

Written By
Rob Gabriele
Managing Editor & Home Security Expert

As Managing Editor for SafeHome.org, Rob Gabriele has written and edited over 1,000 articles in home security. His expertise is in smart home automation and home protection with thousands of hours of testing and research under his belt. Formerly a reporter and producer for the USAToday network, Rob has been a writer and editor for over 10 years. He holds a Master’s of Science with an emphasis on writing from the University of Montana, and he currently lives in the Reno/Tahoe area of Nevada.