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Progressive Homeowners Insurance
Progressive Homeowners Insurance
Overall Satisfaction Rating
2.00/5
  • 5 stars
    4
  • 4 stars
    5
  • 3 stars
    4
  • 2 stars
    0
  • 1 stars
    26
Based on 39 reviews that contain star ratings
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Progressive Homeowners Insurance

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39 Progressive Homeowners Insurance Consumer Reviews and Complaints

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Page 1 Reviews 1 - 30
Rated with 1 star
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Verified Reviewer
Original review: Nov. 2, 2018

Progressive insurance the sub Homesite failed me my family. My son is sick 12. The apt I was in leaked through the ceiling big holes. They wanted me to get a plumber then said I had 10 days or I'm cancelling your claim. Progressive never said they were sub it. They deceived me. Lied. What can I do. There was a kid Jacob **. I just want to have his license pulled. I'm so furious.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 16, 2018

I change my homeowner insurance from State Farm to get insurance bundle discount from Progressive. Biggest mistake in my life. We have a few monsoon here in Phoenix and now my roof is leaking and I contact Homesite and the adjuster show up 1 day late to check my roof and the leak inside and say is gonna try to help me. 2 days later they get back to me with $3000 to fix my leak and fix the roof and they told me they recommend to find someone to fixed for cheap. That way I can keep some extra money. They refuse to pay for my roof. Worst insurance company.

3 people found this review helpful
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Rated with 1 star
Verified Reviewer
Original review: Oct. 2, 2018

My homeowners insurance was raised almost $300. Never had claim. Said it was debt to ratio. My credit is in the 800's. After hang on phone forever said they would do review and send paper copy of insurance. Never done. Will be looking for new insurance. Happy with car insurance... not homeowners.

3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 19, 2018

Had an event last December that flooded the house. I am disabled and my wife was pregnant and they gave us a fraction of money to repair the damage and still have not paid us for our personal items which is over $80,000. They had the nerve to tell us to produce receipts for everything that was purchased even though that pictures and another insurance adjuster saw the items and the Damage they try not and will not pay out claims unless you sue them or get a public adjuster. The adjuster was very rude and disrespectful towards us and Progressive even only put the policy in my name and not my wife and they knew that I had health conditions and had a near-death event which would have left my family in Dire Straits had the event occurred a couple of months earlier. Then to add to injuries they increase my premium by 35% which raised up my mortgage.

These people are absolute Crux and then there was another event while this event was being fixed by one of the companies where they ruined my driveway and Homesite sent us $500 and the job that two companies came and gave estimates on one was for $20,000 the other one was for 13000 and they said to send over the information which we did several times and they said they never got it a whole bunch of malarkey from this company. Then the owners of the companies actually spoken to Progressive Homesite and they sent their proposals through and then Homesite says that they never received anything from them. These people are complete these people are complete liar and are criminals and the people who work for them are carpetbaggers.

The sad part is when I mention this whole situation without even mentioning Homesite Progressive people automatically say those words and so do business owners. They throw this clown flow out to do the commercials for this destructive scandalous insurance company that never pays you out but will take your money. The funny part is when Progressive called around the time I had to renew the policy a person from Progressive called saying that my premium was too high and I should drop that insurance company which was stupid because I was like you are the insurance company and I am trying to dump you guys then she informed me that we cannot shut out our policy without settling out the claims... Sounds like Hotel California to me. A trap that you can't leave. We will definitely bring a lawsuit against this company of Thieves.

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4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 6, 2018

I bought homeowner insurance with the company. I paid my policy up for a year and someone broke into my condo and now they are giving me a hard time of paying my policy off and the third party company they are working with. ASI their customer services is the worst. I will never refer no one to neither company at all.

5 people found this review helpful
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Rated with 1 star
Verified Reviewer
Original review: Aug. 22, 2018

Buyer beware! Progressive has re-sold my homeowner's insurance to 3 different companies in the 3 years I have been a member. They also have upped my premium all 3 years while also upping the deductible 5x the original amount. There must be zero oversight by any regulatory agency as I am sure there are many others out there with similar stories. I have never had a claim with them but God only knows how they would screw you. If you had similar experience with them please share so others will steer clear of these crooks!

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 6, 2018

We had a fire Aug, 2017. Well it is Aug, 2018. We have not had our claim resolved and our home is still in disrepair one year later. Progressive does not want to pay to bring my home to its original pre-fire condition. They have sent a second rate construction company to give an estimate that is $11,000.00 lower than our lowest estimate. We will have to either pay for materials and try to do the work ourselves or pay out of our pockets to restore our home. We paid our premiums in full and on time, they will take your money and if you have a problem, they will not help you. They immediately increased our home owners by $800.00 per year once we filed a claim. Stay as far away from this carrier as possible. Absolute nightmare, left hanging in the lurch without of pocket expenses and my home a mess for a year now.

13 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 5, 2018

On July 21, 2018, a storm hit and burn out my AC/HEATING UNIT. I have no air in the house and it's been over 90 degree weather. I called and filed a claim, I asked to get place in a room or a coolant unit. They decline. Per my policy I have coverage. They told me since your house is still liveable we cannot provide room or cooling unit. How is a house still livable with the thermostat saying over 95 degrees in the house. When the HVAC company came to see about unit, The tech stated that I will need another unit and everything will need to be replaced from the outside and inside. When the tech turned in paperwork to my claim adjusted, he lied on the report and said something different. My adjuster told me that they will not be paying for any damages. I called and did a customer complaint on the tech cause he told me one thing and turn in something different.

I got a second & third opinion from another Air company. They quoted that the whole unit would need to be replaced. I turned in other quotes from different companies. They reviewed it and stated that only can go by what the company they hired put in the paperwork. As of today August 5, 2018, I still have no air with elderly mom and 2 children in the home with 90 degree close to 100 degree weather.

Progressive Homeowners insurance is the worst company you can ever have for homeowners insurance. They are not considerate of people well being. It's a shame they have bad companies that lie to keep them from paying for covered damages. I pay money every month to think I'm cover under a policy, but in reality, they ripping people off. I will be canceling my insurance and telling family members & friends they are the worst company to ever have. Something has to be done about this. 3 weeks with no air is ridiculous. It hurts my soul you have to argue and plea to the adjuster and they dont give a damn about you but want your money. Rating a double negative 0.

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9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 25, 2018

Worst customer service I have ever experienced. Unfortunately. I had to file a claim due to a storm that hit my area on June 24, 2018. I had to call every day just to get information. I asked on several occasions to speak to a supervisor or manager and to date have yet received a call. I will NOT renew this policy and would not recommend them to anyone. Also, will not renew with Progressive.

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 6, 2018

Progressive starts you with a 15% discount on new homeowners insurance but that goes away 5% a year for three years. That allows Progressive to seem cheap. Our homeowner's insurance went from 1300 to 1850 per year this year with no notice or explanation. We have not filed a claim. They overvalue your house but then change a percentage deductible which leaves you with a huge out of pocket for a theft or hail. They are all show but it is a terrible company. We switched to State Farm.

8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 16, 2018

Progressive sent me to Homesite, which turns out to be a non-accredited company according to Consumer Affairs. There was zero notification that I had been redirected to Homesite. I get to the page to bundle car and renter's insurance and it gives me the price and I think it's reasonable so I do it, giving them my debit card information. Then it says, "Congratulations on your renter's insurance, would you like to get car insurance now???" I'm like, "Where is my car insurance???"

So I call Progressive for the next 3 hours (since they can't find me) until they finally give me the Homesite number. I call the Homesite number, following the prompts to the correct department, but for some reason the person who answers can't hear me. I do this three times. Finally I call the claims department and the girl who answers gives me the direct number to the department I need and finally someone can hear me. I explain and say, "I want a refund." She says, "No problem, we'll cancel your insurance tomorrow BUT it will take 15-20 business days to reimburse you!!!" So now I don't have insurance, don't have money on my card to buy insurance, and am in a real pickle. And don't know what I'm going to do. So, yeah, Progressive is complicit in this since they use this POS Homesite crap as one of their subsidiaries.

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5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 11, 2018

I bundled home and auto insurance back in March 2018 (I thought). I cancelled my previous home insurance. Progressive then screwed up and never started my new home insurance with Homesite. So my mortgage company informed me I didn't have insurance on my home for 1+ months, and now they are charging me $570 for just the few weeks I was "without" insurance. Progressive and Homesite are completely UNWILLING to fix their mistake. They claim they can't retroactively start my insurance and they are unwilling to credit me for their mistake. Apparently their mistakes are not their problem. And they care so little about their customers they are willing to lose them for life. Don't get suckered into switching to progressive. Just a horrible, horrible company to deal with.

11 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: June 2, 2018

I have never had to use the insurance but it’s $100 lower than the other one I had so for that I give Progressive a 9. Thanks for the lower price, I can pay other bills.

6 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: May 31, 2018

Have been with Progressive insurance both auto and homeowners for approx 5 yrs. Yes, sometimes the rate might be slightly higher than the competition, but reputation based on research, tells me the dollars invested are well worth it.

3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 27, 2018

We closed on our house on 03/30/2018. On April 4th our AC unit was stolen. Progressive refused to cover the claim because we had not moved in 4 days after closing. This is legal, but not moral. The clause in the policy is intended to keep people from insuring a house they do not intend to live in from insuring it as if they do live there. It was not meant for situations where you close and simply have not had time to move in yet. WARNING, FLOW DOES NOT PAY!!! AVOID AT ALL COST!!!

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 23, 2018

They increased my rate during the same policy year without sending me any notification. The only update that I got that it changed was the notice my account was billed. Attempted to call to get more information and the automated system hung up on me twice, which just added to my frustration. It is a very bad sign when they do not want you to talk to a person. I think it is time to change providers since my policy is due for renewal soon.

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 20, 2018

After a previous cancellation of our homeowner's policy due to a dilapidated swimming pool in 2014 we contacted Progressive for a homeowner's quote. We were upfront about the cancellation and the condition of property and pool. We provided extensive documentation including pictures of the condition of our home. We were assured there were no issues in covering our home for the upcoming year.

After several months of coverage we were abruptly cancelled with no opportunity to address any issues underwriting had with our coverage. After this cancellation, I withheld the following months premium and was eventually reported to collections. I disputed the charge with the credit bureau (Transunion) and the claim against my credit was dismissed. Fast forward two years and the same collection agency progressive uses (CCS) is attempting to collect the same debt in my wife's name instead of mine. Progressive offers halfhearted coverage at average prices with no accountability on their part. Allow 3 years for hassle over any billing disputes you may encounter, and look forward to Credit Collection Services, a real treat.

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4 people found this review helpful
Rated with 1 star
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Verified Reviewer Verified Buyer
Original review: March 14, 2018

Progressive has dragged their feet for over 2 months in fixing our roof leak. We had several promises to get it fixed quickly, but no results after 2 months. I would rate them zero stars in customer service. Now in seeing complaints to Consumer Affairs they have a terrible ratings record.

7 people found this review helpful
Customer increased Rating by 2 stars!
Verified Reviewer Verified Buyer
Resolution response: March 1, 2018

The very day I wrote the scathing review of Homesite Insurance I received a call from my adjuster telling me that they were going to cover the whole job except the oil tank itself and its contents. Good news. The reason I gave Homesite 3 stars is the investigation could have gone lots faster. I feel that three weeks without use of the oil heat is a bit much. Beyond that everything is a go for the completion of the cleanup. Homesite is a good value but a bit slow.

Original review: March 1, 2018

On February 9th the heating oil tank in my basement sprang a leak. The leaking must have begun at about 9 PM but I didn't notice it until 10 when I smelled the oil. Upon inspection I found that there was nothing I could do to stop the remaining oil from leaking out. At the same time my sump pump had been pumping the oil out into the yard. I unplugged the pump immediately and called the fire department. When they arrived they checked the situation and said there was nothing they could do. I called the claim number and after registering my claim was advised to find my own cleanup company. The following morning (Saturday) the county health department came by and gave me the numbers for mitigation teams. I called the closest one to my home and they responded within an hour. It's been almost three weeks with no heating system other than my wood stove and the insurance co, Homesite of the Midwest is still dragging its feet.

I need to point out that about half of the job is done. The basement has been almost cleaned out and most of the contents removed (saved as evidence) but since the water that comes into the basement during the spring can't be pumped by the sump pump onto the lawn it has to be collected and disposed of in giant plastic tanks. These tanks are emptied by big vacuum trucks sometimes 4 times a week The bill from just this is around $10,000 so far and we're still waiting for Homesite to get done "investigating". So far an adjuster has yet to show up. The adjuster assigned to my case is never available on the phone either. I have homeowners insurance to cover catastrophic events like this and would like to think the insurance underwriter is on my side, naive as that is. Let the buyer beware.

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10 people found this review helpful
Rated with 1 star
Verified Reviewer Verified Buyer
Original review: Aug. 10, 2017

Hurricane Matthew hit N.C. hard in Oct. 2016. Our yard was flooded up to our front steps (we had our house built up because of the potential of flooding in our area). Almost a week later, the water had subsided enough for us to check for any damage due to the wind and high waters. Other than a few shingles and outdoor items blown away or ruined we felt blessed. Then we checked our backyard! Our inground fiber glass pool was almost drained and had our lawn chairs and an anti mosquito bowl (about 20 pds.) were inside the pool. We immediately entered the pool and removed the items and were sick to see a crack in the bottom of the pool.

We filed a claim for the damage. To date we have received some 20+ letters from the insurance company, many were duplicates. We had an adjuster come out, a nice young man who almost immediately said "I don't know what to do about this, I've never worked with fiber glass pools this big". One would assume that he was very inexperienced after that remark. After another 7 letters or so just repeating the same thing "we are processing your claim", we were told to get a "professional" fiber glass company to come out and write out his/her findings. (at a cost of $100.00).

Their opinion was that the items in the pool had caused the crack and drained the pool, causing the pool to slant inward. A coverable offense. Within a week or so, we received word from the insurance company denying our claim. It seems their claims adjuster (remember the one who said he didn't know what to do?) felt that the problem wasn't weather related but was due to earth settlement/ground movement. We didn't have a tornado, it was announced by the weather channel as a hurricane!!

This has been all time most stressful experience I can ever remember. The staff all "seem" to have no knowledge of anything and getting any of them on the phone or call backs is nigh on to impossible. I found their attitudes to be lazy and hum drum. They refuse to let you speak to upper management (although that would probably be useless) by saying "all" management are in meetings. DO NOT BUY PROGRESSIVE HOMEOWNERS even if Flo is adorable.

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31 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: July 29, 2017

To make a long story short, I was promised that my claim would be quickly handled several times. I was in a no fault accident, I provided everything they required and took extra steps to ensure things would be handled quickly. I was promised to my face 6 days after the accident that my check was in the mail, everything was settled, and I should be driving again no later than the weekend. Here I am, a month after everything, still paying for insurance while being ghosted by my claims agent, supervisors, even the agent who sold me my plan in the first place. Looks great on paper, but pray you never need them for anything but that.

27 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 9, 2017

I was with the company for renter's insurance for over 2 year, no problem. I called in March 2017 about something and the agent convinced me to add water damage coverage for ONLY $8.00 more a month. I remember this conversation because we talked for a while, just so I can make sure there were No Hidden costs. Well I got the email telling me the $8.00 was coming out my account AND then $128.00 taken out too! I didn't get an email about that! When I called, they tried to do a Jedi Mind Trick on me! When a policy is renewed we ask for a down payment amount yada yada. Wait what?!

Every year my policy was renewed they never asked me for more money to just renew a month payment. So I said just review the taped phone call and see I'm telling the truth about the agent saying all it will Cost me is $8.00! When they called me back, the rep. was like "Well that agent will go for retraining but our policy is to cancel the policy if you want to cancel something you added on at a later date!" Talk about cutting your nose off to spite your face! Instead of admitting your employee messed up, and refund me my money; I was told the ONLY way to get my money back was to cancel my renter's policy! DONE! Now I'm going to Allstate to be in Better hands PLUS I will re-post this review everywhere so no one else will go through this!

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39 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 9, 2017

In December of 2016 I changed my home and car insurance to Progressive. A Week before Christmas they wrote me an email, not even a letter, saying they give me 5 days to get a new roof and get my house painted or they will cancel the insurance. My roof was older, but not leaking, and there was only a little paint that was chipped on the house. I really got my house reroofed in the timeline, but since the deadline was December 28, no contractor was able to do the work, since it was too cold and most were on vacation. Progressive was totally unresponsive, even after my contractor talked with them on the phone and asked them to extend the deadline! They still canceled the insurance! I really think something like this should not be legal! Where are the consumer rights here? This insurance company is a rip off!

16 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 21, 2017

Customer service is poor to mediocre. There appears to be no human involvement in the underwriting process. They create policies without accurate information (they didn't know what type of roof was even on my home, and I'd had the policy in place for nearly five years before I filed my first and only claim). They raise your rates every year and communicate this to you via letters in the mail that you're expected to comb through. You deal with three different companies if you have an issue with a claim - Progressive, Homesite and Wardlow. The term coverage is a stretch: I ended up spending $5,000 to have my roof replaced (and this was a 1,500 sq. ft. ranch-style home in Texas).

23 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: April 7, 2017

Progressive covers everything even if the sump pump dies. I am very pleased with their service coming from DuPont who covered nothing.

8 people found this review helpful
Rated with 1 star
Original review: Nov. 8, 2016

Well last week I went to bundle my insurance with Progressive. BIG mistake. They charge my account $750.00 x 3 = $2,250.00 so I called. They said I would have a check for $1,500 next day. Did not happen, or the day after, and the day after. I have been put on hold for hours. Still have not gotten my refund. And what about my checking account. They don't care that they have put me so far in the red I can't get out. I canceled the homeowner's insurance now. They told me I have had it for 4 days. I won't get it all back, REALLY!!! I don't have a clue what to do to get this paid back. Any ideas?

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 18, 2016

Rates sounded great when getting a quote, with 500 deductible. Then to find out that it don't cover drains, does cover storms, unless it's Hail damage. It covers it but your deductible changes from 500 to 5000.00. Insurance companies are coming sneakier by the day in ways to charge you and not cover anything. I guess If my house burns down I'll be in great shape though!?!

39 people found this review helpful
Rated with 1 star
Verified Reviewer Verified Buyer
Original review: July 28, 2016

The floor collapsed in our rental house damaging major appliances and furniture on a Thursday afternoon. Still hadn't heard from the company until afternoon on Friday. Our claims representative is in Phoenix, and no adjuster ever came to view the property or the damage. They took the word of the landlord's adjuster, who hardly stepped foot into the house to inspect the damage. On the following Thursday, Homesite said it was caused by poor ventilation and we were not covered. As a renter, I am not responsible for the structure. My insurance does not cover the structure, it covers the contents. I am covered. They don't want to pay. We have had to pack and move as the house is not livable, incurring further expense. Horrible company. We will be exploring further options to get our coverage.

8 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Dec. 29, 2015

We have had to make no claims, but so far we are pleased. Progressive was recommended to us by our son. It was a very reasonable amount for quite good coverage, and we are able to pay it online which is a big plus.

14 people found this review helpful
Rated with 4 stars
Verified Reviewer
Original review: Dec. 26, 2015

New policy for me but they were very helpful when applying. Progressive insurance agent were very attentive to all of the questions I had as I setup the homeowner insurance policy.

12 people found this review helpful
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Progressive Homeowners Insurance expert review by Matthew Brodsky

Progressive Homeowners Insurance is a division of the Progressive Corporation, a large company known for offering a wide range of insurance products including rental, condo, mobile home and traditional home coverage.

  • Select what you pay: Customers of Progressive can select what they pay out-of-pocket if they have a claim, and then their insurance policy will take care of the rest.

  • Legal fees covered: If a homeowner is sued because of something that happens to their home, Progressive will cover the insurance bill through its liability coverage.

  • Flood insurance available: The company offers insurance to homeowners in flood areas, which can be rare for homeowners insurance companies.

  • Free online quote: Customers can receive a free quote for what their insurance might cost them online, which is simple and convenient.

  • Multiple insurance policies offered: Progressive offers multiple types of insurance, so homeowners can purchase all of their insurance in one place. Many customers also receive a discount on things like homeowners insurance if they purchase multiple policies from the company.

  • Best for: Traditional homeowners, condo owners and mobile home owners

Profile picture of Matthew Brodsky
Matthew Brodsky Insurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

Progressive Homeowners Insurance Company Information

Company Name:
Progressive Homeowners Insurance
Year Founded:
1937
City:
Mayfield
State/Province:
OH
Country:
United States
Phone:
(855) 347-3939
Website:
www.progressive.com
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