Updated: October 21, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
Progressive's customer service scores 3.87 out of 5 and ranks 9th nationally.
Ranking 13th in affordability nationally, a policy with $250,000 in dwelling coverage costs an average of $5,445 annually with Progressive.
Progressive offers two additional coverage options: water back-up and personal injury protection.
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.
Review the table below to see Progressive's MoneyGeek scores out of 5 for each category and its national ranking based on a sample homeowner profile.
| Overall | 3.78 | 13 |
| Affordability | 4.14 | 13 |
| Customer Experience | 3.87 | 9 |
| Coverage | 2.29 | 12 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
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 including location, credit score and claims history. In order to find cheap homeowners insurance that suits your needs, explore Progressive’s home insurance costs by coverage limits and deductible below.
| $100K Dwelling / $50K Personal Property / $100K Liability | $288 | $3,461 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $454 | $5,445 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $700 | $8,404 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $924 | $11,092 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,088 | $13,060 |
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 map below shows where 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. Review the table below to understand each discount and qualification requirements.
Bundle Home and Auto | Save an average of 7% on car insurance when combining home and auto policies with Progressive, plus receive additional multi-policy discounts on your homeowners coverage |
Safety and Alarm Discounts | Earn discounts for installing burglar alarms, fire alarms, automatic sprinklers, security systems and cameras in your home |
Quote in Advance | Receive a discount when you get a quote at least 10 days before your policy start date |
New Purchase | Qualify for savings when buying a new home or switching from a renters insurance policy, regardless of construction year |
Paperless | Get a discount simply by choosing to receive policy documents electronically |
New Home Construction | Save more on newer homes with larger discounts for recently built properties |
Pay in Full | Reduce your premium by paying your entire 12-month policy upfront |
Florida Wind Mitigation | Florida residents with homes built before 2002 can qualify for discounts with certified roof or wind mitigation updates, while homes built in 2002 or later automatically receive credits |
Progressive provides all six standard home insurance coverages to financially protect your home and assets.
Dwelling coverage pays for repairs or rebuilding when your home's structure suffers damage from covered perils like fire, wind or hail. This includes your walls, the floor, the ceiling, built-in fixtures and more.
Other structures coverage handles damage to detached garages, sheds, fences and other structures on your property. It also covers gazebos, pool houses and detached guest houses when damaged by covered events.
Your personal property insurance covers items like clothing, gadgets, and furniture that are lost, stolen or destroyed. Usually, coverage is applicable whether the damage occurs while traveling or at home.
If you're found responsible for injuries to others or damage to their property, personal liability coverage will pay for legal fees and damages. For example, if a guest falls on your stairs or your dog bites a neighbor, you'd be covered.
Coverage for medical payments addresses small medical costs incurred by guests injured on your premises, regardless of who is at fault. It includes immediate expenses such as ambulance transportation and emergency room visits, up to the limits set by your policy.
If your home gets damaged and becomes unlivable, loss of use coverage helps out by covering costs like hotel stays, meals at restaurants, and storage fees. It also takes care of extra transportation expenses and any additional living costs that go beyond what you usually spend while the repairs are being done.
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.
Water Back-up and Sump Discharge or Overflow | Covers damage when water backs up, overflows or discharges from sewers, drains, sump pumps or related equipment, including water removal and property damage from basement flooding |
Personal Injury | Covers legal fees and damages from lawsuits involving slander, libel, malicious prosecution, wrongful eviction, wrongful entry, false arrest, detention or imprisonment |
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:
Floods, earthquakes, landslides and sinkholes require separate policies or specific endorsements for coverage.
Damage you cause deliberately or damage from lack of maintenance, wear and tear, pest infestations and mold growth aren't covered.
Military actions, war, nuclear hazards and government seizure of property fall outside standard coverage.
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.
Calculate how much home insurance you need by assessing your dwelling's replacement cost and creating a home inventory of your belongings. Review your assets to set appropriate coverage limits for dwelling, personal property and liability protection.
Visit Progressive's website or contact an independent agent to receive your personalized quote. Be ready to provide accurate information about your home's features, location and your insurance history for the most precise pricing.
Review your chosen coverage levels, deductibles and optional endorsements to build appropriate protection. Consider adding water back-up or personal injury coverage based on your specific risks and budget.
Ask about all eight available discounts including bundling, safety features and new home construction savings. Maximize your savings by combining multiple discounts where eligible.
Carefully read your policy documents to understand coverage limits, exclusions and your deductible. Confirm all information is accurate before making your first payment to activate coverage.
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.
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.
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.
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.
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.
Progressive earns a MoneyGeek score of 3.78 out of 5 and ranks 13th nationally among 14 providers evaluated for homeowners insurance. The company charges $5,445 annually for $250,000 in dwelling coverage with a $1,000 deductible based on our sample profile.
Progressive offers water back-up coverage for sewer and sump pump failures plus personal injury protection for legal liability claims. Homeowners can also qualify for any of the eight available discounts Progressive offers, including safety and alarm savings and the quote in advance discount for shopping early.
These frequently asked questions provide quick answers to help you understand Progressive's home insurance..
Progressive charges an average of $5,445 annually for $250,000 in dwelling coverage based on MoneyGeek's sample profile. Your actual rate depends on factors including your location, credit score, claims history and selected coverage limits. Premiums range from $3,461 yearly for basic coverage to $13,060 for policies with $1 million in dwelling protection.
Progressive provides eight discount opportunities including bundling home and auto policies, safety and alarm system installations, and paying your premium in full.
Report claims immediately by calling Progressive or using their website to start the process online. Document all damage with photos, provide receipts for damaged items if available, and work with the assigned adjuster to complete your estimate. Progressive sends payment for covered damages so you can hire contractors to complete repairs.
We evaluated Progressive using the following base profile to determine rates and assess their affordability:
Our ratings system for Progressive consisted of the following scoring mechanisms:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
