Progressive Homeowners Insurance

Progressive Homeowners Insurance

 3.8/5 (612 reviews)
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Overall Rating3.8 out of 5
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About Progressive Homeowners Insurance

Progressive offers multiple types of insurance, including property coverage for homeowners. You can get a quote through its HomeQuote Explorer tool — the company lets you bundle your home and auto policies so you can save money on your rates. It also offers several discount options, but it requires an exterior home inspection for enrollment.

Pros & Cons


  • Bundle to save
  • Multiple discount opportunities
  • Several add-on coverage options


  • Exterior home inspection required
  • Coverage can be pricey

Bottom Line

Progressive offers standard dwelling insurance with a myriad of additional coverage, discount and bundle options. Its policies can be expensive, however, and the company requires an exterior home inspection.

Top Progressive Homeowners Insurance Reviews


My family has used Progressive Homeowners Insurance for years because they have always taking care of my family and kids and I will always respect them for the great service that ...

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Progressive was recommended to me… They are always very helpful when you have any questions about just about anything, as long as it is somewhat related to home or auto type subje...

Read full review

About Progressive home insurance

Progressive provides standard home insurance for damages and necessary repairs and add-on coverage for other structures on the property, personal belongings, temporary living expenses, personal liability and medical payments. The company also offers auto insurance, life insurance and other protection policies, which you can bundle with your home coverage for reduced rates. It also has several other discount opportunities.

Progressive home insurance coverage

To begin, you can get a free online home insurance quote from Progressive’s website. You can customize the quote to meet your coverage needs and take advantage of any available discounts. You can also use Progressive’s HomeQuote Explorer tool to compare home insurance rates and coverage options from a variety of providers. It’s important to note that homeowners insurance policies from Progressive do not cover damages due to:

  • Mold and mildew
  • Termites
  • Floods
  • Earthquakes

You can also call a Progressive representative for more details.

Progressive home insurance quotes and cost

Progressive’s home insurance quotes can range from $675 to $2,045 annually depending on your location and the level of coverage you need, and its deductibles cost from $500 to $5,000. If you want lower monthly fees, you can select a higher deductible limit — but this will mean you’re responsible for covering the deductible amount before your insurance kicks in.

Progressive also offers savings of up to 12% on car insurance when you bundle it with a home insurance plan. Its other money-saving opportunities include:

  • Home security discounts
  • Advance quotes (10 days before policy starts)
  • New home purchases
  • Pay-in-full discounts
  • Email communication opt-in
  • Single deductible for bundled plans

You can work with a Progressive agent to identify discounts available to you.

Progressive home insurance FAQ

What does Progressive home insurance cover?

Progressive home insurance covers damage to your home caused by fire, wind, hail, roof issues and other problems, but it doesn’t cover damages due to mold/mildew, floods, earthquakes or termites. You can add on extra coverage like personal property, liability and temporary living expenses.

How much is Progressive home insurance?

Progressive home insurance typically costs between $675 and $2,075 per year, depending on coverage type, deductible limit and your location. You can lower your costs by bundling policies and applying for various discounts.

Where is Progressive home insurance available?

Progressive provides home insurance throughout the U.S., though pricing and policy details can vary based on local and state laws.

Is Progressive home insurance good?

Progressive home insurance is good for homeowners who are interested in bundling coverage and who want several add-on coverage options. Many policyholders appreciate Progressive’s HomeQuote Explorer tool, which helps compare coverage and quotes from other providers. Progressive is a well-established insurer with lots of coverage options, but it does require exterior home inspections prior to policy approval.

Progressive Homeowners Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: Dec. 5, 2022

We had a very bad tornado hail storm in August of this year, and I had hail and a storm damage to my Siding and my roof, and I filed a claim with Progressive and they dragged it out until December 1 and they denied my claim due to the fact that they didn’t find any storm damage. They said, "It was only wear and tear to me. Storm damage is wear and tear on your property." They were very unprofessional. No one contacting me. No one reach out to me and told me. I called the offices several times. I just think my claim was handle very unprofessional and they did not wanna pay out all my money. I’ve been paying with a them of years over the years and they did not pay out. They so unprofessional, never use progressive ever. They need to be sued.

7 people found this review helpful
Verified Reviewer
Original review: Sept. 23, 2022

I switched to Progressive for low rates for home/auto bundle. Upon renewal, my auto premiums went up by 25% and home went up by 60% from when I signed up, with no claims/tickets or change in coverage. They gave a low rate to lure me in, then changed their pricing. It is difficult to deal with this company. The app is terrible. Their customer service is awful. Do not risk it.

5 people found this review helpful

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    Verified Reviewer
    Original review: Aug. 6, 2022

    I received a letter stating that upon review, they will be unable to renew my policy, due to not knowing the age of the roof. In 2017 filed a claim for my roof, in 2018 had to submit a whole folder about the process of getting a new roof with pictures, copy of the contract, when it was completed in order to get the money from the claim. So now why don't they know the age of my roof? Absolutely refuse to get that folder from the claims department. Why doesn't the claims department automatically put that in your folder? Making us have to resubmit this? You can't be very good if you're getting rid of customers, when you already have the information in your system. I think I call this mind-boggling stupidity. I Just don't get it.

    4 people found this review helpful
    Verified Reviewer
    Original review: Feb. 22, 2022

    2 years ago, my home was broken into while I was home, several doors kicked. Progressive said the damage was pre-existing. Tell that to 911 while I was on the phone reporting it while it was happening. This February 2022 warmer than normal temperatures, snow melting, heavy rain over night floods all my pool equipment: pump, furnace, 2 fuse boxes, damages the patio, sidewalk, pool cover, fences, everything. I pay extra to have the pool covered. Flood damage is not water damage, not covered. Progressive/Homelite is a complete scam.

    9 people found this review helpful
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    Verified Reviewer
    Original review: Jan. 25, 2022

    I was paying a premium of $1350 a year and chose to switch to Progressive for a lower rate with similar coverage but a higher deductible. First year my premium was less than $900 - the 2nd year it went up to $1350 (not notice or anything) but still had the higher deductible. I was not happy about it but stayed with progressive. The 3rd year I received an email that per progressive I was "not supposed to receive". It was what was being billed for my premium - and it went up to $2500. I immediately called Progressive and was told that they were going to call me before billing my mortgage company and discuss the increase before billing. They did not call me and they did bill my mortgage company and this was completely unacceptable to me. This is more than a 150% increase in my bill in 3 years!

    I had one claim during this time for a leak in my water heater that caused extensive damage only to find out that my insurance did not even cover it (my previous insurance with the lower deductible did cover this by the way) but this was not why my premium went up - per Progressive the company they were using raised their rates and this was why the increase. So after hours on the phone with my bank and with Progressive they found another company for me with lower rate - Homesite insurance (the reviews for them are horrible!). So they told me - after a lot of calls and denial that they already billed my mortgage company- that they would switch my ins. reimburse me the amount back that they charged, I would have to receive the check and send it back to my bank and have them put it back into escrow. Then I would call Progressive back and cancel the $2500 insurance and start using the $900 insurance.

    Per the Progressive customer service "it's real easy to fix!" But it was not - I spent HOURS making phone calls and getting this taken care of. Also my bank charged me fees for this... So I kept everything in writing and wrote customer service at progressive telling them what my fees for this was and asking that they repay me the amount ($67). I sent an email 12/15/21 and was told they would respond in 5-7 business days, after 3 weeks I emailed them again only to get the same response.

    Then yesterday 1/24 I received a phone call from the new insurance company - Homesite. They were told by Progressive that I needed a reimbursement for my insurance??!! This had nothing to do with Homesite! It was Progressive that tried to sneak in a %150 rate increase - but I caught them! Be very careful of Progressive - there should NEVER EVER be any reason to do this to a customer. There will NEVER be an excuse for this kind of increase - especially with no notice! As of today - there has not been an answer to my email and the 5-7 business days have expired.

    9 people found this review helpful
    Verified Reviewer
    Original review: Aug. 17, 2021

    Don’t bother with these clowns. They won’t cover you after finding reasons to NOT cover an issue, then will drop you like a hot rock if you don’t agree to a bunch of unreasonable terms. Not worth your time... plenty of other companies will give you way better coverage and actually cover you... not these snake oil salesmen. Sham company. Zero stars if that was possible.

    12 people found this review helpful
    Verified Reviewer
    Original review: Aug. 10, 2021

    Avoid this insurance at all cost! We were hit with the worst winter storm in 100 years and were completely out of power for three weeks. Much of the power system for our business was destroyed. The creepy underwriter for this policy (midland underwriters) denied a relatively small claim and refused to help us. Don’t waste your money! Get some other company!

    13 people found this review helpful
    Verified Reviewer
    Original review: May 3, 2021

    After being accepted by Progressive for homeowners policy they they called a month later and said they drove by our house to do an inspection and wanted documentation on the age of roof and questioned the my front door that is in process of upgraded replacement. Even tho I, after the fact, eventually found their fine print that they do exterior inspections they never mentioned it in any phone communications at new policy signing.

    I returned their call about their Vm and explained to the very unhelpful associate that took my call that I also am doing other remodel work in and out of the house and that if they insist on driving by my home every 6 months to see what I'm up to I can take my business elsewhere. The lady on the phone had zero response which tells me that's what they do. I will move all my policies from Progressive Ins to a less far reaching Nanny Ins company. And BTW I have never had an insurance claim and my driving record is clean. DECEPTIVE COMMUNICATION.

    12 people found this review helpful
    Verified Reviewer
    Original review: April 17, 2021

    Spent almost 20 Minutes filling out a online request for home Insurance. Last step in the process was to call a phone number to get the quote. When I called the number, I was told that my completely remodeled home inside and out did not qualify because it was built in 1900. I called a friend of mine in a town that has 100's of homes built in 1900 and the 1800's and he informed me that he dropped Progressive because of their high rates and not following through on his insurance claim with them.

    6 people found this review helpful
    Verified Reviewer
    Original review: Dec. 5, 2020

    They were extremely helpful. They gave me prices of competitors, even ones that were lower prices! The gentleman who helped me was extremely friendly. He told me what all my options were. Once I found a policy I wanted to pay for a year upfront and he walked me through the process and carefully explained how to fill out the online forms. I definitely recommend them!!!

    3 people found this review helpful
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    Progressive Homeowners Insurance Company Information

    Company Name:
    Progressive Homeowners Insurance
    Year Founded:
    United States