Progressive's home insurance policies include the same six standard coverages as most national insurers, applied through whichever carrier in Progressive's network underwrites your policy. The coverage basics don't change based on the carrier match, but the specific limits, especially for dwelling and personal property, are set at underwriting, so it's worth confirming they reflect your home's actual replacement cost and what you own.
Progressive Home Insurance Review (2026)
Updated: August 1, 2026
Advertising & Editorial Disclosure
Progressive
MoneyGeek Rating
3.8/ 5
4.1/5Affordability
3.9/5Customer Experience
2.3/5Coverage Points
Average Annual Premium
$5,504Number of Endorsements
2Number of Discounts
8
MoneyGeek scores home insurers across three weighted factors: affordability at 55%, customer satisfaction at 30% and coverage options at 15%, so Progressive's overall 3.75 out of 5 is driven mostly by how its rates compare to other providers, with service quality and policy customization playing a smaller role.
Scores are based on a sample homeowner between 41 and 60 years old with good credit and no recent claims, insuring a home built in 2000 with $250,000 in dwelling coverage and a $1,000 deductible. Rate data comes from Quadrant Information Services, which aggregates filed rates from state insurance regulators across 925 ZIP codes and 57 carriers (actual filed rates, not estimates).
Read more about MoneyGeek's home insurance methodology.
What Does Progressive Homeowners Insurance Cover?
Dwelling CoverageDwelling coverage on a Progressive policy pays to repair or rebuild your home's main structure after a covered loss like fire, wind or hail. Because Progressive places coverage through a third-party carrier, the dwelling limit is set at underwriting. Confirm it reflects what it would actually cost to rebuild your home, not just its market value
Other Structures CoverageOther structures on your property like your garage or fence are covered under a separate limit from your dwelling coverage when damaged by a covered event. This matters for Progressive policyholders specifically because the carrier that underwrites your policy sets these sub-limits at quote, so it's worth checking them rather than assuming they're adequate.
Personal Property CoverageBelongings like clothing, furniture and electronics are covered against theft or damage from a covered event, whether the loss happens at home or somewhere else. Under any policy placed through Progressive's network, the personal property limit is usually calculated as a percentage of your dwelling amount, so revisiting it when you renew can prevent an underinsurance gap if you've added valuables.
Personal Liability CoverageIf you're found legally responsible for someone else's injury or property damage, personal liability coverage pays your legal defense costs and any resulting settlement up to the policy limit. Homeowners with more exposure, a pool, frequent guests or a home business should consider whether that limit is actually enough.
Medical Payments CoverageCoverage 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 CoverageWhen a covered loss makes your home uninhabitable, loss of use coverage pays for temporary housing, extra meals and other living costs above your normal spending while repairs are underway. For policies in Progressive's network, loss of use applies for the duration of the repair period rather than a fixed number of days, which matters if your home requires a lengthy rebuild.
Optional Home Insurance Coverages from Progressive
Progressive offers two endorsements beyond its standard policy. Both fill specific gaps in what a standard homeowners policy covers, so they're worth evaluating rather than skipping by default. Availability varies by state and underwriting carrier.
Water Back-up and Sump Discharge or Overflow | Pays for water removal and repair costs when a sewer backs up, a drain overflows or a sump pump fails, a loss that Progressive's standard policy excludes entirely and that most homeowners don't think about until it happens. |
Personal Injury | Covers legal defense costs and damages if someone sues you for slander, libel, wrongful eviction, false arrest or similar claims, extending protection into territory standard liability coverage doesn't reach. |
What Does Progressive’s Home Insurance Not Cover?
No policy placed through Progressive's network covers flood or earthquake damage; those require separate policies purchased independently, and homeowners in high-risk areas should arrange this before assuming they're covered. Intentional damage, deferred maintenance, pest infestations, mold growth and normal wear and tear are also excluded, which means keeping up with upkeep is a condition of having a valid claim when something actually goes wrong. War, nuclear hazards and government seizure of property fall outside any standard policy as well, consistent with nearly every insurer in the market.
Progressive Home Insurance Review: Overall Costs by Profile
Progressive's average cost for home insurance is $458 monthly, or $5,504 per year, for a policy with $250,000 in dwelling coverage, based on MoneyGeek's rate data for a homeowner with good credit, no recent claims and a $1,000 deductible. Coverage scales up from there, with $1 million in dwelling protection averaging $1,134 monthly, or $13,617 per year. The table below shows average costs across five coverage levels; filter by deductible to compare options and find cheap homeowners insurance.
Data filtered by:
$1,000
Good
Claim free for 5+ years
Middle Age
| $100K Dwelling / $50K Personal Property / $100K Liability | $279 | $3,342 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $453 | $5,435 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $693 | $8,311 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $958 | $11,498 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,242 | $14,904 |
Progressive Home Insurance Review: Rates by State
Progressive's rates vary widely depending on which state you're in and which carrier in its network matches your home. Annual costs for $250,000 in dwelling coverage range from $1,237 in California to $11,616 in Florida, a difference driven by local catastrophe exposure, rebuilding costs and what's available through Progressive's carrier network in each market. The table below covers states where MoneyGeek collected pricing data; it doesn't reflect every state where Progressive operates.
| 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 |
California is the strongest market for Progressive in our data, where it ranks fourth for affordability at the state level at $103 monthly despite ranking 14th nationally. It reflects the competitive makeup of each market. Florida tells a different story: at $968 monthly, it's the most expensive state in the data, but Progressive still ranks sixth overall and seventh for affordability there, meaning other carriers operating in Florida are pricing even higher.
Texas is the market where Progressive's value proposition is weakest relative to local competitors, ranking eighth for affordability at $881 monthly, the worst affordability rank in the data outside of states tied at eighth place.
Progressive Homeowners Insurance Discounts
Progressive offers eight home insurance discounts, though which ones apply depends on your state and the underwriting carrier matched to your policy. Bundling home and auto is the most straightforward way to reduce your total insurance cost, since it averages 7% savings on the car insurance side in addition to any homeowners discount applied. Availability varies by state, so confirm with your agent or at quote which of the eight are active for your specific situation.
Bundle Home and Auto | Averages 7% savings on car insurance when combining home and auto policies with Progressive, plus multi-policy discounts on the homeowners side , worth checking first if you already carry auto coverage with Progressive. |
Safety and Alarm Discounts | Applies to homes with burglar alarms, fire alarms, automatic sprinklers, security cameras or monitored security systems , standard safety upgrades that also lower your actual risk of a claim. |
Quote in Advance | Qualifies when you get a quote at least 10 days before the policy start date, an easy discount to capture if you're not switching last-minute. |
New Purchase | Available when buying a new home or switching from a renters insurance policy to homeowners, regardless of the home's construction year. |
Paperless | Applies when you choose to receive policy documents electronically, a low-effort discount with no real downside. |
New Home Construction | Offers larger savings for recently built homes, where claims are statistically less frequent, so newer construction gets a bigger discount than older homes under this bucket. |
Pay in Full | Reduces your premium when you pay the entire 12-month policy upfront, useful if you can cover the cost in one payment and want to skip installment fees. |
Florida Wind Mitigation | Florida residents with homes built before 2002 can qualify with certified roof or wind mitigation updates; homes built in 2002 or later automatically receive credits, making this especially valuable in hurricane-exposed areas of the state. |
How to Buy Progressive’s Homeowners Insurance
Progressive sells home insurance online through its HomeQuote Explorer tool and through independent agents who can help you compare options from its carrier network. The five steps below walk through the home insurance buying process, from determining your coverage needs to finalizing a 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 Through Progressive's HomeQuote Explorer
Enter your address at Progressive's to start a quote. Progressive uses public records to pull your property details: square footage, roof type and similar information, so you can move faster. If more than one carrier in the network matches your home, you'll see their rates and coverages side by side.
- 3Compare Carrier Options in Progressive's Network
Review which carrier is underwriting the policy, not just the price. The carrier behind the policy handles claims, so check its customer satisfaction and financial strength ratings alongside the premium before deciding.
- 4Stack Your Discounts
Progressive offers eight discounts. Bundling home and auto captures the most savings for most homeowners, but layering in paperless billing, quote-in-advance and any safety device discounts can reduce the rate further without changing coverage.
- 5Finalize and Buy the Policy
Review the full policy documents (including which carrier is underwriting it) before signing. Progressive can handle proof of insurance and billing setup with your mortgage company directly if you're closing on a home.
How to File a Homeowners Insurance Claim with Progressive
Progressive handles the initial claim report and connects you with the underwriting carrier responsible for your policy, which then manages the inspection, estimate and payment. You can report a claim any time by phone or online at Progressive.com; the claims line and online portal are available 24/7 for property claims. The steps below reflect how Progressive's property claims process works in practice.
Progressive vs. Other Home Insurance Companies
MoneyGeek compared Progressive against State Farm and Allstate on affordability, customer experience and coverage options. Progressive charges $5,504 per year for $250,000 in dwelling coverage, considerably more than State Farm at $2,151 and Allstate at $2,942 for the same coverage level. Customer experience is where Progressive comes closest to its competitors, scoring 3.87 out of 5 compared to Allstate's 3.88 and State Farm's 4.31.
| 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 Review: Bottom Line
Progressive scores 3.75 out of 5 in MoneyGeek's review, ranking 13th out of 14 home insurers evaluated, with affordability accounting for the largest share of that score given it weighs 55% of the total. At $458 monthly for $250,000 in dwelling coverage, Progressive's rates sit above most alternatives, though bundling home and auto can offset some of that cost for homeowners who already hold a Progressive auto policy. It's a reasonable comparison option for homeowners who want access to a network of carriers through a single quote process, but those prioritizing price or broad policy customization are likely to find stronger options in the market.
Progressive Home Insurance: FAQ
We answer questions to help you understand Progressive's home insurance.
Progressive averages $458 monthly, or $5,504 per year, for $250,000 in dwelling coverage based on MoneyGeek's rate data for a homeowner with good credit, no recent claims and a $1,000 deductible. Rates range widely by state, from $103 monthly in California to $968 monthly in Florida for the same coverage level.
Progressive can underwrite your home insurance or match you with home policies through a network of third-party carriers that includes Nationwide, Openly, Bamboo and several others. The carrier that actually underwrites and services your policy depends on your state and home profile, so the company handling your claim may not be Progressive itself.
No. Progressive's standard home policies exclude flood damage, as do most standard homeowners policies in the market. Homeowners in flood-prone areas need a separate flood insurance policy, either through the National Flood Insurance Program or a private carrier; this is often available through Progressive's agent network.
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 expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- Progressive. "Homeowners Insurance Coverages." Accessed August 7, 2026.
- Progressive. "Homeowners Insurance Discounts." Accessed August 7, 2026.