Progressive Home Insurance Review (2026)

Progressive describes its home insurance offering as a marketplace. It’s a system that connects homeowners with partner carriers through the Progressive Advantage Agency rather than underwriting policies directly. Those carriers include Homesite, Nationwide, Openly and ASI Progressive, among others. The match depends on the homeowner’s location and coverage profile. Buying home insurance through Progressive means buying it from whichever carrier Progressive assigns, not from Progressive itself.

The assigned carrier sets every part of the policy that matters most. Coverage terms, available endorsements, eligible discounts and how a claim gets handled are all carrier-specific. That’s why two Progressive policyholders with similar profiles can end up with different experiences. This structure also drives Progressive’s elevated NAIC complaint levels. When a policyholder files a claim, they’re often dealing with a company they didn’t know was involved when they bought the policy.

Progressive’s monthly rate for the base profile averages $459, or $5,505 annually, for $250,000 in dwelling coverage with good credit and a mid-aged home. These figures come from state insurance filing records collected across 925 ZIP codes, reflecting the rates carriers have formally committed to regulators rather than online quote approximations.

Home age and coverage level both affect costs. A newly built home on the same profile comes to $264 monthly. On the other hand, increasing dwelling coverage to $500,000 brings the rate to $717 monthly and a $1 million policy to $1,135. The tables below are filterable by home age, credit score and coverage level to show figures closer to a specific situation.

Context helps when evaluating any rate. The table below compares Progressive’s premiums across providers in MoneyGeek’s analysis, all at the same profile: $250,000 in dwelling coverage, good credit, a mid-aged home and a $1,000 deductible.

Of the 14 providers in our analysis, only Nationwide, Chubb and Travelers join Progressive above the national average. Progressive prices at $458 monthly, close to Travelers’ $452. The remaining 10 providers all cost below average, several by a wide margin. For homeowners not bundling with an existing Progressive auto policy, that rate difference is the biggest thing to consider when weighing Progressive against other providers.

Progressive's rates vary widely by state and by 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. Local catastrophe exposure, rebuilding costs and carrier availability in each market are what drive the difference. The table below covers states where MoneyGeek collected pricing data. It doesn't reflect every state where Progressive operates.

Discount availability at Progressive depends on the underwriting carrier assigned to the policy. Not every discount below applies to every policyholder or in every state. Confirm which discounts are available through the assigned carrier before finalizing a quote.

• Multi-policy discount applies when home and auto insurance are both purchased through Progressive, averaging 7% on the combined premium. Other policies, such as motorcycle or RV coverage, may also qualify.
• New home discount applies to recently built homes or recent home purchases. The newer the home, the greater the potential savings, which reflects the lower risk tied to updated construction materials and building codes.
• Protective device discount applies to homes with qualifying alarm systems, smoke detectors, fire alarms or home monitoring systems installed.
• Pay in full discount reduces the annual premium when the full year's cost is paid upfront rather than in monthly installments.
• Paperless discount applies when policy documents are delivered electronically rather than by mail.
• Claims-free discount is available through some of Progressive's partner carriers for homeowners who have gone a set number of years without filing a claim.

Standard Progressive policies include the six coverages that form the foundation of any home insurance policy. Because coverage is issued through a partner underwriting carrier rather than Progressive directly, terms may vary by carrier and state.

Optional coverages available through Progressive vary by which underwriting carrier is assigned and by state. Not every endorsement below is available to every policyholder. It's worth confirming what add-ons the assigned carrier offers before finalizing a policy.

• Extended dwelling replacement cost increases the dwelling coverage limit by a set percentage above the policy limit if the cost to rebuild after a covered loss exceeds the original amount. This protects against construction cost increases after a major loss.
• Water backup coverage pays for damage caused when water backs up through sewers or drains, or when a sump pump fails. Standard policies exclude this type of water damage, making this one of the more commonly recommended add-ons.
• Scheduled personal property provides higher limits and broader coverage for high-value items like jewelry, art, musical instruments and collectibles that would exceed the standard coverage limits.
• Equipment breakdown coverage covers the cost to repair or replace home systems and appliances when they break down due to mechanical or electrical failure, something standard policies don't address.
• Identity theft coverage covers expenses related to recovering from identity fraud, including legal fees and the cost of restoring credit records.

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 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.

The claims process at Progressive begins with identifying the carrier that underwrote the policy, since that company handles the claim rather than Progressive. The policy documents list the carrier's name and contact information. Policyholders who aren't certain which carrier holds their policy can call Progressive at 800-776-4737 and provide the policy number to be transferred to the right company.

Progressive home insurance is available through its partner carrier network in most states, with Alaska and Hawaii excluded. Coverage issued directly by ASI Progressive is also unavailable in Wyoming and Washington, D.C., though other carriers in the network may serve those areas. Available coverage options and pricing vary by state and by which carrier is assigned.