Progressive Homeowners Insurance Reviews

They need to add 0 stars to the review options. Absolutely don't do business with Progressive or American Family Insurance, which I will get to later in this review. I paid a premium of approximately $2,600 annually for coverage of my home/property not including flood insurance. In 2025, I made a claim on this policy after wind/hail damage resulting in $42,000 replacement of external materials, workmanship/labor. AFI (American Family Insurance) did a quick hit job with approximately $10,000 settlement.

I have had HO insurance with them for over 8 years. In that time the premium has tripled. I filed my first claim ever for wind damage to the roof in January. It took them over 4 months to approve the claim. The claims adjuster never communicated anything. My roofer jumped thru multiple hoops to provide all the documentation needed for them to process the claim and still no response. We escalated to the adjuster's supervisor. Again, nothing for weeks. We then escalated to the supervisor's supervisor who agreed the claim should be approved. Finally, after another week of silence and waiting, the claim was approved. They also kindly sent me a letter saying they would be cancelling my HO policy and would not allow it to be renewed. I don't see how these people keep their jobs. Total incompetence. I also had auto insurance with them but have now switched both policies to someone else.

Homeowners should be cautious with this insurance company, the repairs they came to do in my house resulted in additional damage to my property. The company opened up my ceiling for repairs but did not restore it afterward. Concerns have also been raised regarding the collaboration between the company and repair contractors. I also want to express my dissatisfaction with the manager and adjuster.

This is by far the worst homeowners insurance we have ever had. We have been out of our home for 5 months with no progress. They have been consistently changing adjusters. They sent adjusters when they shouldn’t have at the beginning. The adjusters couldn’t see the full scope of the damage due to it being water damage requiring floors to be removed. They pay a lot for us to be in temporary housing force us to file another claim for something a contractor did while removing the floors which was part of the original claim. Then they called us and canceled us. Do not get this company they are the worst we’ve ever had. They are a bad faith company.

Do NOT get your homeowners insurance through Progressive (using thier Homesite provider). I was with them over 20 years - no claims - not living in a risk area - and my rates went up by $500 a year for two consecutive years - raising my mortgage rate significantly. I called directly and could never get an explanation for the rate hike.

Progressive doesn't deserve any stars - worst insurance company ever. Classic Insurance Strategy - delay, deny, defend - and they lie directly to your face. Collusion at its finest. STAY AWAY FROM THIS FRAUDULENT COMPANY!

The worst experience I’ve had with insurance. My car got stolen and the whole thing was a headache and Progressive made it worst. They lost my keys. Took forever to contact with emergencies about my car and laughed in my face when I asked about unsafe breaks left on my car after a full inspection.

They refuse coverage. It doesn’t matter how bad or good it looks. I had a tree fallen down on my roof causing damage and they didn’t cover. Absolutely nothing. All their high coverage on their insurance policy seem like a scam, when you file a claim they refuse to cover and come out and it’s 1000000000 excuses and deny you. They make it seem like they really care by taking care of your claim right away, just so they deny you. (I’ve been with them for 13 years and never filed a claim before.) They kept going up on my insurance and finally went with some one else so much cheaper and better known insurance.

UPDATED ON 02/24/2026: Since I can’t update my original review I am giving an update of our experience with Progressive. We have been fighting with them for 10 months due to hail and wind damage. After 10 months we finally got the call that our roof was being bought yesterday. I actually changed my first review to a 3 star because we finally received an answer. Then last night at 8 pm my husband gets a call saying they are only paying for a portion of the roof. How they came to that decision I don’t know. They said they would send the paperwork. I’m not sure how you cover a damaged roof only partially.

On 1/14/26 I purchased home/auto bundle from Progressive for $1,989.00 for home in which I paid in full and $445.00 for 6 months for auto. On 1/15/2026 I contacted Progressive concerning my mortgage holders were not on the homeowner's policy, the agent corrected the policy. On 1/16/2026 I receive an email bill for $8.00. On 1/17/2026 I contacted customer service asking what the charge was for, the agent said they did not know what it was for and would have to contact their supervisor to remove bill and would call me back.

TERRIBLE! Home insurance through HOMESITE (thru Progressive) has a VERY BAD billing department and/or customer service. We got jerked around on our autopay. Didn't take out monthly for several months, and now, 3 weeks before Christmas, they want paid in full or go to collections! They admit the error, but too bad for us. Autopay means you take it out every month! You didn't, we didn't know, and now threatening collections! HORRIBLE!

Switched to Progressive 11/1 for both auto and homeowners. Evan tho homeowners was higher than previous lower auto offset difference substantially. Within 8 days received notice that their home inspector had visited site and listed items that most of us consider cosmetic; paint peeling on soffit and fascia, area on side of house with algae, missing short piece of siding from where I ran out, small branches touching garage (not so). Since I had installed brown aluminum trim on the rest of the house I emailed back to underwriters that availability was a problem let alone holiday, upcoming below freezing weather and certainly no contractors with in their 30 day time frame. Was able to find a distributor that could provide me the J channel & soffit in brown vinyl and fascia in brown aluminum. I bought it and sent underwriters a copy of purchase order asking for an extension. Result (No Reply).

I have been swindled by Progressive Insurance company in the following ways: a) almost doubled my rate from $350 to $520 and my deductible from $7800 to$12,500 without my consent or knowledge, b) when I found out, via an accident on their part, they sent out a letter to say they have been overcharging me for years and will refund the money. This was 6 weeks ago and I cannot contact them now. I am a 76 year old, totally disabled vet due to combat. My doctor says I have the best military record she's ever seen. Please help me with these quick buck artists.

My recommendation, at least in the state of Illinois is to stay away from Progressive insurance. I have bundled my home and auto insurance with Progressive based on price and price alone. Big mistake. While I have not had to use their auto insurance, I tried making a claim for my hope due to storm damage. First of all, NOBODY at Progressive will even listen to my issues or look into them even though they take my check every month. Progressive farms off the home portion of the insurance to fly by night companies that do not back their product nor care about the customer.

Class Action Lawsuit. Only a matter of time. Progressive Homesite quoted me one price. Sent someone out to inspect property. Email stated they’d reach out if they needed to alert me of any changes. I monitored my email closely until policy effective date to ensure everything was still on track to start. I agreed to price and signed contract, cancelled my existing insurance policy at the time due to signed policy with progressive. After I’ve already cancelled my cheaper policy, progressive all of a sudden decides I need a new roof. They had PLENTY of time prior to policy effective date to notify me of this and give me the opportunity to cancel their policy and keep the policy I had. They didn’t. This was 100% intentional. They glorified pyramid scheme.

ZERO STARS! Over 10 years customer and never ever claimed. First time ever after 10 years and who knows what your endorsement policy says because that’s the underwriter job which no customers can see their endorsements on their policy. Be aware when you shop insurance companies. I am terminating my policies with Progressive from the lies and broken promises. When you are told you fully covered for everything and only see a summary of your coverages. We are all fooled! There is more black and white! My siding got winded. I claimed and was only able to get repair! What a joke. I need replacement not repair! Progressive says maybe get the full endorsement policy in the future… Why if I’m claiming NOW! Cancel your policies and look for a better trusting company!

Progressive home insurance is garbage, I've been with them for over 17 years and never filed a claim. We had a bad hurricane come through Florida and damaged the roof, filed a claim and they told me the whole roof had to be redone because the shingles were over 15 years and it's not fixable. They came back with a lowball offer and told me it was fixable after 3 companies said it wasn't including their own claims representative.

I DO NOT recommend Progressive Homeowners Insurance!! I had them for 10 years and filed a claim because of water damage and they denied it and dropped my insurance. Here is what happened! I was painting in my bedroom when I stepped down off a ladder and notice my floor was soft next to the wall. I called my insurance, and the guy told me he would get a mitigation company to come out and for me to get the plumber. I said OK but do you think you need to get an adjuster out first. He told me, "No I will do it behind the desk". I said OK, thinking they were gonna cover the claim. The mitigation company came out and stayed all week with fans in my house. I have a crawl space floor.

One of the worst home insurance companies ever. My mortgage company sent the check to them on time and it wasn't processed on their end until 7 days later. My mortgage company showed that the wire cleared within 2 days. They just decided to cancel my policy and declined to reinstate or provide a reason why to me or my agent saying that it's their discretion. Interesting how it coincides with my previous claim last August and subsequent appeal in December. Of course, I had a lapse in my coverage so if I file a claim, it would not have been covered.

Our town was hit by a documented F2 tornado with winds of 120 mph and large hail. Our house is a year old and had severe hail damage to the roof. Progressive sent an adjuster that was too scared to walk the entire roof with our contractor to document the full extent of the damage because of our hip roof. Progressive decided that our one year old roof had damage that wasn’t from the tornado (complete lies) and refused to pay for a new roof. We currently have the insurance board involved. Tamika, the gal we were dealing with, was incredibly rude every time we talked to her and clearly was never going to do the right thing. We asked for her to send out a second adjuster and she refused. The insurance board told us this is illegal. Every single house in our neighborhood has gotten new roofs and we are still fighting Progressive! Completely shady company!!