Progressive Homeowners Insurance Reviews
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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.
- Bundle to save
- Multiple discount opportunities
- Several add-on coverage options
- Exterior home inspection required
- Coverage can be pricey
Helpful Reviews
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.
Still have questions?
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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Reviewed May 15, 2026
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.
Reviewed April 26, 2026
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.
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Reviewed April 15, 2026
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.
Reviewed April 11, 2026
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!
Reviewed March 20, 2026
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.
Reviewed March 18, 2026
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.
Reviewed Jan. 24, 2026
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.
I am urging everyone who has ever dealt with Progressive to spread the word that they don’t pay claims and have terrible adjusters, terrible customer service and basically just a horrible company. I will be continuing to make reviews on other sites and will be contacting the president of the company regarding this. I hope everyone stays away from them.
ORIGINAL REVIEW: Our house was sideswiped by two tornadoes last summer the first in March 2025 in which we noticed shingles in our yard. Due to extreme wind and hail we had it looked at. We were told it had severe damage. A progressive adjuster also came and looked at it and told us you will be getting a new roof. We had another tornado that went west of us that bent trees in our backyard to the ground. So more damage to our roof. Now we have been dealing with Progressive for almost 10 months with being told the stress videos are either too long or too short or not the right angle. Everyone on our street has now been approved for a new roof and we sit and argue with Progressive. We have had adjuster on our neighbors houses say our roof is destroyed. Our roofing company says we have significantly more damage. On top of this our adjuster and his supervisor do not return calls to us or roofing company and now our agent.
Progressive is quite possibly the worst insurance company I have ever dealt with and am so sorry I ever heard of them. Please everyone avoid them at all costs. They do not pay on claims and after seeing BBB reviews on them it seems everyone who uses them is going through the same thing. This is a company that should not be in business. I am currently working in complaints to the Attorney General, our senator, the Department of Insurance and the Department of Commerce and Insurance and hoping someone can help.
Reviewed Jan. 17, 2026
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.
I waited all day for a return call, so at 4:pm I called back and was told the charge was for adding my lien holders and I owed them $8.00, I promptly canceled both polices and requested full refunds for both. I was told it would take 4 to 6 weeks to refund homeowner insurance by check. I told them the police was paid in full by credit card not a check. The agent became rude and would not listen to me. Glad I canceled because if there is this much trouble over $8.00, I can imagine what a claim would be like. Bottom Line this company is a scam. they may give you a good price but by the time they nickel and dime you over and over along with poor customer service on top of it the insurance is not so cheap. Luckily my former insurance was still in effect which is Allstate and I just renewed my old polices before they expired. This company may look good on paper but in reality, it is all a scam for your money. I will never use or recommend this company to anyone.
Reviewed Dec. 3, 2025
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!
Reviewed Nov. 26, 2025
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).
Next thing I know I get an email telling me that because I got the multi policy discount I needed to provide them a copy or policy number. Things got worse when I initiated a phone call to them. Auto policy says that homeowners was disconnected from auto for whatever reason even tho they were purchased at exact same time and initial phone message says that they are both shown active. She transfers me to homeowners, the male who answered refused to give me his name and hung up. I called back to homeowners side and talked to Robert, bottom line he says they are in fact showing auto connected to them but I should talk to auto. Transferred to auto claims; no correct selection option for my situation. She (Kelia?) says that I should talk to policy services but bottom line to disregard the email.
So, less than a month as a new member and already frustrated as it seems like left hand doesn't know what right hand is doing. Most frustrating unable to talk to a higher up to complain about a so called professionals' rudeness. Seems like Homeowner insurance side of their business has meaningless employee supervision. As much as they spend on advertising (and paying flo) you would think that they would have higher standards for their employees in order to retain customers. Will seem what happens if they reach out to me or not.
Progressive Homeowners Insurance Company Information
- Company Name:
- Progressive Homeowners Insurance
- Year Founded:
- 1937
- City:
- Mayfield
- State/Province:
- OH
- Country:
- United States
- Website:
- www.progressive.com