Overview of Progressive Home Insurance

Begun in 1937 as an auto insurance company, Progressive has a track record of innovation. It was the first auto insurer to offer both drive-in claims service and installment payments, and in the 1950s it began offering auto insurance to high-risk drivers, another distinctive feature not offered by its competitors. Since then, Progressive has added policies for motorcycles, boats, RVs, and even Segways.

What they haven't really done is insure homes. Though Flo, Progressive's well-known TV mascot, can be seen in commercials offering homeowner protections in addition to its other types of policies, the fact is that some homeowner insurance options offered through Progressive are actually serviced by third-party companies (i.e. Homesite). Customers can still benefit from bundling discounts, but they should also know that this means their home policies aren't necessarily financially backed by Progressive, should you need to file a claim.

How Does Progressive Home Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2019 U.S. Household Insurance Study - Homeowners Insurance.The highest score for each category is five stars. The Progressive Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Policy Offerings
Billing & Payment
Contacting the Insurer
Customer Complaint Ratio

The National Association of Insurance Commissioners collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a less than average number of complaints, while a score higher than 1 means it has more than average. Find out more from the NAIC website.The Progressive Insurance subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: July 2017

Financial Strength Rating

A.M. Best's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second "+" or a "-" indicates the gradation of financial strength within the category. We can't guarantee that the subsidiary of Progressive Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best's Financial Strength Rating Guide for more information.

Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings™ and Best's Credit Reports which include Best's Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best's Credit Ratings™ for explanation of use and charges.

Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best's Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A+

Effective Date: January 2020

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online
  • Household inventory tool

Pros and Cons of Progressive Home Insurance


  • If you have Progressive insurance on your car, RV or other vehicle and want to have all of your insurance policies through the same company, you can bundle home and auto together and get the multi-policy discount.
  • The online quote tool is more detailed and specific than most other systems so that it can calculate an accurate replacement cost for your home. There are also helpful resources and an online chat tool available to answer your questions.
  • If you're a fan of Progressive's online comparison shopping tool, you'll enjoy HomeQuote Explorer, a tool that allows you to enter your information just once and compare rates and coverages from several companies.


  • If you purchase a policy through Progressive, an exterior home inspection is fairly standard.
  • To file a claim, you may have to go through your third-party underwriter rather than report it to Progressive.

Progressive Home Insurance Coverage

The home insurance coverages are pretty standard, with little room for adjustment. If the software miscalculates the replacement value of your home, you'll need to call an agent because you can't correct it through the online quoting tool. In terms of the coverage levels that the tool will let you change, you'll find a limited range of options.

The standard coverage options are basic, although you do have the option to pay a higher premium and upgrade some of them to include coverage against additional perils. Included in this coverage are protections against 13 typical homeowner perils.


This coverage is based on public records and a detailed questionnaire that includes questions about the structure of your home.

Other structures

The limit for other structures (detached garage, fence, gazebo, etc.) is set at a percent of the dwelling limit (typically around 10 percent). If you need to adjust this for any reason, you should speak with an agent.

Temporary housing

Also known as the loss-of-use coverage, this will cover expenses for temporary dwelling as well as food purchases.

Personal possessions

Coverage for your valuable personal property (such as jewelry or art) defaults to a percentage of the dwelling coverage limit, though you can purchase greater protection against a wider range of perils and a more advantageous replacement option.

Personal liability

Covers legal expenses in response to accidents on your property. Options for this coverage are typically in the $100,000 to $500,000 range.

Medical liability

Covers medical expenses for accidents occurring on your property. Options are typically in the $1,000 to $5,000 range.


Speak to an agent about further customizing your policy with their deductible options (which may come at a fixed price or a percent of the dwelling coverage).

The additional options available fall into two categories. You can upgrade the protection on your standard coverages — for instance, adding coverage for guaranteed replacement costs, adjustments for inflation, additions of personal property items, second-home coverage or increased limits for money and securities — and you can add extra coverages related to home ownership. Some of these are options not often available from other home insurers.

Defamation of character

This option is available under the personal liability category and may be added to your policy for just a few dollars.

Earthquakes, landslides, sinkholes, and mudslides

Progressive doesn't cover these perils themselves, but they offer assistance in securing an additional third-party policy.

Water backup

As with most insurers, this coverage is available to protect against water removal costs and resulting property damage.


Progressive follows the common industry standard, offering flood insurance through the National Flood Insurance Program.


Available Discounts on Progressive Home Insurance Coverage

Progressive has increased the number of discounts it has for its home insurance policies. Some savings may also be included in the quote based on home features such as security systems or age of the roof, as well as positive attributes of the homeowners such as being nonsmokers, having good credit, or having no prior claims history. Ask an agent to see if you qualify for the discounts below as well as any additional discounts they may have available.

Type of Discount Description
Bundle discount If you have Progressive auto insurance and bundle home insurance through the company, you will get a discount on both policies.
Alarm systems and safety devices Commitment to automated security systems (i.e. fire alarms, burglar alarms, even sprinklers) can earn you further discounts.
Quote in advance Receive your quote 10 or more days prior to your policy begins and enjoy a lower rate.
New purchase New homeowners qualify for this additional price reduction even if the home itself isn't actually brand new.
Pay in full If available, this option rewards you for paying in bulk ahead of time.
Paperless Choosing to receive your documents via email cuts down your costs as well.
New home construction A recently constructed property may also earn you a discount.

How to Make a Home Insurance Claim with Progressive

Since your Progressive home insurance policy is actually underwritten by a third party, you will need to contact the partner company listed on your policy in order to file a claim.

How to Contact Progressive Home Insurance

States Served