Progressive Home Insurance Review

Progressive ranks 13th nationally out of 14 providers based on our overall assessment of the best home insurance providers, factoring in affordability, customer service and coverage options.

*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.

Progressive provides all six standard home insurance coverages to financially protect your home and assets.

Progressive offers two endorsements to customize your policy. Endorsements are optional add-ons that expand your standard policy to cover specific risks not included in basic homeowners insurance. 

Consider the options below to enhance your protection with Progressive. Note that availability varies by state, so ask your agent if there are other coverages available to you.

Progressive's home insurance policies don't cover certain natural disasters or intentional damage. Understand what's excluded from a standard Progressive home insurance policy below:

Progressive charges $454 monthly or $5,445 annually for $250,000 in dwelling coverage based on our sample profile. Rates increase substantially with higher coverage limits, reaching $1,088 monthly or $13,060 annually for $1 million in dwelling coverage. 

The average annual cost of home insurance depends on factors such as location, credit score and claims history. You can find cheap homeowners insurance that suits your needs.

Where you live directly impacts Progressive's homeowners insurance premiums because of differences in natural disaster risks, rebuilding expenses and state regulations. Annual costs can range between $1,237 and $11,616 depending on your state for $250,000 in dwelling coverage.

The table below shows states Progressive offers homeowners insurance and displays rates for policies with $250,000 in dwelling coverage and a $1,000 deductible.

Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.

Progressive offers eight discounts to help reduce your premium, though availability varies by state.

Progressive sells homeowners insurance online and through independent agents who can help you buy home insurance tailored to your situation. Follow the five steps below to secure your policy.

Progressive accepts claims through phone calls to their claims line or online submissions via their website. Complete these four steps to process your home insurance claim with Progressive.

1. Report the Claim: Call Progressive immediately or submit your claim through their website to start the process. Provide details about the damage, when it occurred and any immediate repairs needed to prevent further loss.
2. Document the Damage: Take photos of all damaged areas and create an inventory of affected belongings with receipts when available. Progressive may request this documentation or schedule an adjuster inspection to assess your loss.
3. Schedule an Inspection: Work with Progressive's adjuster to review the damage estimate and understand your deductible responsibilities. The adjuster explains repair costs and what portion your policy covers after your out-of-pocket expenses.
4. Review the Settlement and Repair Process: Progressive will send the payment for the covered amount so you can hire any contractor for repairs. If workers discover additional damage during repairs not included in the original estimate, Progressive may issue supplemental payments.

MoneyGeek compared Progressive against other major national home insurance providers, including State Farm and Allstate, to evaluate affordability, customer experience and coverage options. Progressive charges $5,505 annually for home insurance, significantly more than major competitors like State Farm ($2,151) and Allstate ($2,942) for the same coverage limits. 

While Progressive performs better in customer experience with a score of 3.87, it still trails State Farm's 4.31 rating for claims handling and service quality.

We answer questions to help you understand Progressive's home insurance.

We evaluated Progressive using the following base profile to determine rates and assess their affordability:

• Middle-aged homeowner (41 to 60)
• 2,500-square-foot house
• $250,000 dwelling coverage
• $125,000 personal property coverage
• $200,000 liability coverage
• Good credit
• No claims in the past 5+ years

Our ratings system for Progressive consisted of the following scoring mechanisms:

• Affordability (55% of score): Using our base profile as a guide, we compared Progressive's pricing against the national average and competing insurers.
• Customer experience (35% of score): We evaluated Progressive through customer forum ratings, J.D. Power industry studies and AM Best Financial Strength scores.
• Coverage (10% of score): This score reflects Progressive's optional coverage choices compared to the average and the uniqueness of their available endorsements.