Progressive Homeowners Insurance Reviews

I would strongly caution anyone considering Progressive for homeowners insurance based on my experience with their handling of my claim. During my 2025 homeowners claim, I needed a storage container for my belongings. I specifically discussed the expense with Progressive and was told the storage costs were covered and would be handled through my claim. I relied on that information when allowing the expense to be incurred.

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!!

I have Progressive home insurance. Progressive said my siding is not covered. They'll blame everything else for problem to not pay. My house was inspected progressive and everything was fine. Now I have one complaint after 7 years. They do not want to pay.

My Terrible Experience with Progressive – Why You Should Avoid Them. I want to share my frustrating experience with Progressive’s homeowner’s insurance so others can avoid the headache I went through. From the moment I filed a claim for a small bathtub leak, I could tell it was going to be a nightmare. The way they handled everything was unprofessional, dismissive, and completely lacking in customer.

I purchased bundled car and home insurance through Progressive, not fully realizing at the time that home insurance was through a secondary company, Homesite. After my coverage started Homesite sent out an inspector, which is not uncommon. A week or so later I was notified that I would have to replace my roof and fix a section of railing on my deck or they would cancel my policy in six weeks. Though my roof didn't have any leaks it was fairly old and I had been thinking about replacing it this year, and I had actually already started getting quotes from contractors. This was in January in Virginia and snow was on the ground.

We were happy to get a home year policy Progressive with Homesite Insurance. Unfortunately, we had a water leak and at first thought it was going to be an awful thing, but my attorney son sent a letter and it went very well after that. We were very happy with the process and how our bathroom/bedroom came out. That was our 2nd claim in 40 years and the first was with a different company. When it came to our renewal from this company they were increasing our yearly policy by almost $2,400!!!! Yes! The increase was almost $2,400! On top of that to add salt to the wound my deductible was going to increase to $5,000 from $1,500! The roof, if we had a claim, was going to cost us 7%. So I was very thankful that I found a company to insure us for the same. I paid the first year with only a $500 and all the same coverages!

This place is the worst. They are happy to take my premiums for years. Then they fly a drone over my house saying they will not renew my policy unless I get a new roof. Roof was good for another 5 years at least but I scheduled to get a new roof just to keep my policy intact. Now they cancelled me even though the work is scheduled to be done.

If I could give negative 10 stars I would. I have been a Progressive customer with home and auto for over 10 years. I have had ONE claim in all that time. A tree fell on my house in Jan 2023 during an ice storm. The claim adjuster lived in Texas and had no clue about New England Weather. The adjuster who came to view damage did not even attempt to look at my roof, did not bring a drone or any other equipment to view damage. Finally settled the claim and I get my renewal for this year. Surprise! They increased my 'wind and hail' deductible to $19,000 from $1,000 and my policy rate went from $2,000 to $3,000. This should be illegal. They will not change my wind deductible back to $1,000 and tried to tell me it was not due to the claim

Had a hail storm. Called roofer to check on roof. They said yes it needs to be replaced. Called and made a claim with Progressive. They sent inspector and he said, "Yes need to be replaced." Desk adjuster denied claim, saying damage on roof is 1 inch and hail was .75 and stated 1 inch hail was in 2019 when we had different insurance. I pulled the weather and it does show 1 inch hail on date of loss, but Progressive says it’s not from one of their trusted sites they use for weather. This totally makes me sick. I would stay away from this company at least for home insurance. Filed complaint with state insurance board. Might need to get an attorney. 20 roofs in neighborhood being replaced due to storm.

Monsoon Storm/Hail Wind Damage to my home; Progressive continues to lie and PLAY LET's MAKE A DEAL. Been living in a hotel since August 2024. I filed formal complaint with Arizona Insurance Department. Progressive is now playing let's make A Deal and will not show the repair bill estimate. They are rude in Claims, All Claims in East Coast, time difference from MT time Arizona.

They increase your rate yearly. They only apply a bundle discount for 6 months to your auto insurance then increase the rate for both. They don’t offer many options. Customer service is deficient especially the underwriting team and when you’re looking to cancel any policy.

Had coverage for 6 years w/o claims. I had a house fire in 10/23. Progressive continuously & unreasonably delayed payments and actually had entire project (total rebuild) on hold for over 4 months without any progress at all. I was continuously lied to, denied payment for justified expenses. The unsalvageable inventory was ridiculously low-balled in terms of value. (Had about 1500 items). Was always told "next week" when I asked when to expect payments/decisions. Stay away from this Company & don't fall for their commercials. I dropped them at renewal time. Whew.

I called to get a home insurance quote. I spent half an hour on the phone with an agent, after already filling all the details online, just to tell me they can't give me any coverage. Guy took his time, also, clearly taking much longer than necessary. Not a good sign. Unbelievable waste of time.

A toilet tank failed in the Fall of 2024 and damaged an upstairs bathroom, kitchen, dining room and basement. Our agent, Alberto ** with Progressive has largely been unresponsive. He does not timely address our questions, if they are replied to at all. We have requested alternate housing as my wife is pregnant and our kitchen is unusable. Asbestos has been discovered in the basement during the water mitigation process. There is dust and remnants of demolition everywhere. Alberto has not been cooperative. Our best estimate for reconstruction is $115,000 replacement cost. Progressive has offered us only $62,0000. Complaints with the State of New Jersey have been filed and we are debating retaining legal help.

I don't normally do posts like this and complain on social media.... But maybe this will help someone. I have homeowners insurance through Progressive. Last year I received notification that before they would renew the policy the roof needed replaced due to granulation. I was told after it was done I would need to submit pictures and receipts. Which both were done. I received a call this week from progressive asking me to submit an invoice from the contractor. I said we did it ourselves I did not have a contractor. She said we needed a contractor to do it. I said that is not what the letter said and are you guys going to pay for the contractor? (On a side note they said the pictures were all good.)

They will claim that every issue is because it was installed wrong. Progressive Homeowners insurance is a scam. They did it to me and they have also done it to a coworker of mine. I'll never ever use them again.

A tree fell on my house February 28, 2024 and left me with $30K worth of damage. Progressive only offered me $7400 to fix it stating that the rest of the damages are "historical". I only bought this house 3 years ago at which time there were no cracks or ceilings caving in - how could this be historical? Progressive won't budge, closed out my claim and now I have a damaged home that is literally crumbling by the day, boarded up and we are living in a war zone. Progressive's employees have been rude, dismissive and just absolutely atrocious! This has been the worst and most horrendous experience and me and my children could end up homeless after this as we do not have any money to fix the house.

I am writing to bring to your attention a deeply concerning issue regarding my recent experience with Progressive Home Insurance. On March 14, 2024, my home suffered significant damage due to an EF1 tornado, resulting in the destruction of my roof. Naturally, I turned to my insurance provider, Progressive Home Insurance, for assistance during this trying time. However, to my dismay, I discovered that despite faithfully paying my premiums, I received no support whatsoever from the company.

I had Progressive for about 4 years for auto and homeowners insurance. I never filed a claim for either. Then they canceled my homeowners insurance saying that it was because I lived in California. They even had me on the phone for 15 minutes, pretending to not know I live in California before they told me the news. They said it was the fire danger in CA. I told them they gave me the lowest danger rating for fire when they insured my home. They didn't care. I guess you could live in an underwater home or in Death Valley in CA and they would still think there was fire danger. Intelligence doesn't run strong with this shoddy company. They will screw you over out of the blue. I immediately went to USAA Insurance and they signed me up immediately.

Progressive don’t care about their clients. They just collect your money every month. My water heater bust in my house where my shoes was and damage my shoes. I sent pics in. Had proof of ownership in. They first was looking for anything to deny me then they ask me did I had proof of have the shoes. I sent pics of me wearing them then they had some lady contact me which was a manipulator and was playing both sides. Fake acting. Cool on the phone then sent a email saying the pics wasn’t enough. I’m in the process of hiring a attorney. If I can give them a zero I would. They're unprofessional con artist and liars. They don’t care about their clients. I really feel they're racist and they think ** people can afford designer or expensive things so they assume you're lying. Please do not waste your time.

I had a sewer backup in my new 1 year old home. Sewage flooded my bathroom, bedroom and walk in closet. The adjuster would not return calls or emails, it took them 3 months to pay the water restoration company who cleaned up the mess. After waiting 3 months for pay, they threatened to put a lien on my home if they didn’t get paid. They gave me such a small amount to fix my floors and replace my carpet that I ended up paying a large amount out of pocket. The adjuster was basically nonexistent. I had USAA for years but switched due to the increase rates, big mistake.