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.
Progressive Home Insurance Review
Updated: June 18, 2026
Advertising & Editorial Disclosure
Progressive
MoneyGeek Rating
3.8/ 5
4.1/5Affordability
3.9/5Customer Experience
2.3/5Coverage Points
Average Annual Premium
$5,445Number of Endorsements
2Number of Discounts
8
Key Takeaways
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 Home Insurance Ratings: MoneyGeek’s Review
| 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.
What Does Progressive Homeowners Insurance Cover?
Progressive provides all six standard home insurance coverages to financially protect your home and assets.
Dwelling Coverage
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
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.
Personal Property Coverage
Your personal property insurance covers items like clothing, gadgets and furniture that are lost, stolen or destroyed. Coverage applies whether the damage occurs while traveling or at home.
Personal Liability Coverage
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.
Medical Payments Coverage
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.
Loss of Use Coverage
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.
Optional Home Insurance Coverages from Progressive
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. Availability varies by state, so ask your agent if other coverages are available to you.
Water Back-up and Sump Discharge or Overflow | Pays for sewer backups, drain overflows and sump pump failures. You get money for water removal and basement flooding damage. |
Personal Injury | Pays your legal fees and damages when someone sues you for slander, libel, malicious prosecution, wrongful eviction, wrongful entry, false arrest, detention or imprisonment. |
What Does Progressive’s Home Insurance Not Cover?
Progressive won't pay for certain natural disasters or intentional damage. Standard policies exclude:
Earthquakes and Floods
Floods, earthquakes, landslides and sinkholes require separate policies or specific endorsements for coverage.
Intentional or Negligent Damage
Damage you cause deliberately or damage from lack of maintenance, wear and tear, pest infestations and mold growth aren't covered.
War & Nuclear Hazards
Military actions, war, nuclear hazards and government seizure of property fall outside standard coverage.
How Much Does Progressive’s Homeowners Insurance Cost?
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.
Data filtered by:
$1,000
| $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 |
Progressive Homeowners Insurance Cost by State
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.
| California | $103 | $1,237 |
| Connecticut | $216 | $2,587 |
| Florida | $968 | $11,616 |
| Kentucky | $259 | $3,107 |
| Louisiana | $767 | $9,200 |
| Michigan | $187 | $2,246 |
| New Jersey | $136 | $1,630 |
| Tennessee | $320 | $3,846 |
| Texas | $881 | $10,571 |
| West Virginia | $238 | $2,860 |
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 Homeowners Insurance Discounts
Progressive offers eight discounts to help reduce your premium, though availability varies by state.
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 |
How to Buy Progressive’s Homeowners Insurance
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.
- 1Determine How Much Coverage You Need
Figure out how much home insurance you need by checking what it would cost to rebuild your home and making a home inventory of what you own.
- 2Get a Quote Online or Through an Agent
Head to Progressive's website or call an independent agent to get a quote that's right for you.
- 3Compare Policy Options
Look at the coverage levels, deductibles, and optional add-ons each policy offers.
- 4Apply for Discounts
Find out what discounts are available. Progressive offers eight, including bundling, safety features, and new home savings.
- 5Review and Finalize Your Policy
Read through your policy so you understand what's covered, what's not, and what your deductible is.
How to File a Homeowners Insurance Claim with Progressive
You can file a claim with Progressive by calling their claims line or submitting online through their website. Follow these four steps to process your home insurance claim.
- Report the Claim
Call Progressive right away or file your claim online. Tell them what happened, when it happened, and what temporary repairs you've already made to prevent more damage.
- Document the Damage
Take photos of all the damage. Make a list of damaged items and gather any receipts you have. Progressive will either ask for these or send an adjuster to look at everything in person.
- Meet With the Adjuster
Schedule a time to meet with Progressive's adjuster. They'll look at the damage, explain what repairs cost, and show you how much you'll need to pay out of pocket based on your deductible.
- Get Your Payment and Repair
Progressive sends you the payment. You can hire any contractor you want to do the repairs. If the contractor finds hidden damage while working, Progressive will typically pay for that too.
Progressive vs. Other Home Insurance Companies
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.
| Average Monthly Premium | $459 | $179 | $245 |
| Average Annual Premium | $5,505 | $2,151 | $2,942 |
| Overall MG Score | 3.75 | 4.50 | 4.20 |
| Affordability Score | 4.09 | 4.73 | 4.52 |
| Customer Experience Score | 3.87 | 4.31 | 3.88 |
| Coverage Score | 2.29 | 4.04 | 3.69 |
Progressive Home Insurance: FAQ
We answer questions to help you understand Progressive's home insurance.
How much does Progressive homeowners insurance cost?
Progressive charges $5,445 yearly for $250,000 in dwelling coverage on average. Your rate depends on where you live, your credit score, claims history and how much coverage you pick. You'll pay $3,461 yearly for basic coverage or $13,060 for $1 million in dwelling protection.
What discounts does Progressive offer for homeowners insurance?
Progressive provides eight discount opportunities including bundling home and auto policies, safety and alarm system installations, and paying your premium in full.
How do I file a claim with Progressive?
Report your claim to Progressive right away. You can call them or file online. Take photos of all the damage and gather receipts for items that were damaged if you have them. Work with the adjuster they assign to figure out repair costs. Once Progressive approves the claim, they'll send you payment so you can hire contractors to fix everything.
Progressive Home Insurance Rates: Our Methodology
We used this profile to test Progressive's rates and see how affordable they are:
- Homeowner between 41 and 60 years old
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the last 5+ years
Here's how we scored Progressive:
- Affordability (55%): We compared Progressive's prices to the national average and what other insurers charge using our base profile.
- Customer experience (35%): We looked at customer reviews, J.D. Power studies, and AM Best financial strength ratings.
- Coverage (10%): We checked what optional coverages and endorsements Progressive offers compared to other companies.
Home Insurance Review for Progressive: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- Progressive. "Homeowners Insurance Coverages." Accessed June 22, 2026.
- Progressive. "Homeowners Insurance Discounts." Accessed June 22, 2026.