Progressive Home Insurance Review 2020

By Aten-Re El

Updated May 25, 2020

progressive logo

Our Verdict

4.3

You may know Progressive mainly for their auto insurance; however, the company also offers home insurance policies. 

They provide a vast range of home insurance programs that suit all budget points.

In this Progressive home insurance review, we’ll break down the company’s home insurance and discuss your available options.

progressive logo

Our Verdict

4.3

You may know Progressive mainly for their auto insurance; however, the company also offers home insurance policies.

They provide a vast range of home insurance programs that suit all budget points.

In this Progressive home insurance review, we’ll break down and discuss your available options.

Pros

  • Above-average customer reviews
  • Discounts for bundling 
  • Easy online chat options
  • 24/7 customer service call line
  • Widespread coverage
  • Affordable rates for any price range

Cons

  • They are a home insurance broker, they don't actually underwrite their own home insurance policies.
  • Inconsistent handling of claims due to Progressive’s status as a broker of other companies’ underwritten policies
progressive home insurance

​Who Is Progressive Home Insurance?

Progressive came about as the brainchild of two entrepreneurial spirits from Cleveland, Ohio.

In 1937, Joseph Lewis and Jack Green started Progressive Mutual Insurance Company with the simple aim of providing affordable insurance to anyone that needed it. 

In 2014, Progressive acquired an interest in American Strategic Insurance (ASI), leading to their foothold in the home insurance industry.

They branded their home insurance program under the label of Progressive Home Advantage.

Five core values shape the company’s vision: integrity, the golden rule, objectives, excellence, and profit. 

The company has received numerous awards, including placement on Fortune’s list of best places to work and Great Place to Work’s list of best companies for millennials.

Progressive has an A+ rating from Better Business Bureau, an AA rating from Standard & Poors, and an A+ Superior rating from A.M. Best, indicating the company’s superb financial standing and trustworthiness.

It’s always important to check the ratings directly on the site of the rating agency and not the insurer, as the insurance company may exclude poor reviews from their website to paint a better picture. 

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

​What Makes Progressive Home Insurance Different

Ratings from companies like Standard & Poor’s demonstrate the financial strength of insurance companies.

Progressive generally receives stellar ratings across the board as an A-rated company.

Progressive also provides a supplemental home warranty plan known as Progressive Home Warranty by TotalProtect. 

This plan covers the replacement of valuable household appliances due to damage sustained in daily usage, which is not covered in most standard homeowner’s insurance policies.

Due to their unique combination of auto insurance and homeowner’s insurance, Progressive also offers an easy way to purchase bundled insurance programs through their website’s search tools.

This bundle option can also save customers money if they’re switching over from another company.

Lastly, keep in mind that Progressive does not underwrite the policies on its sites, but instead brokers or puts forth policies that other companies will underwrite.

INSURANCE WHERE YOU LIVE

Home insurance by state.

​Features & Benefits

There are plenty of benefits when working with Progressives homeowner’s insurance  and we discuss them below: 

​Quote Process

Progressive offers the option to compare price estimates from different companies online, which they do through the HomeQuote Explorer tool.

However, you can actually compare quotes from different companies right here on Simply Insurance if you'd like. 

Standard Protection

All home insurance policies available on Progressive.com cover damage from the standard perils, such as theft or robbery, wind and hail, lightning, falling trees, roof damage from ice or snow, and fires.

Claims that you file after such disasters will allow you to rebuild your home with some peace of mind.

​Lawsuits

This coverage also entails damages incurred from any injuries you receive or lawsuits that others may file against you from injuries that they receive while on your property. 

​Temporary Housing

You can use your Progressive homeowner’s insurance to get free temporary lodging and a meal stipend if your home has become too damaged to live in during the repairs process. 

​Personal Property

Progressive home insurance will also cover damages or loss of personal possessions — to a certain extent.

Standard items that might be covered include furniture, appliances, and electronics.

However, pricier items, such as high-end paintings, may require you to purchase add-on coverage at an extra cost. 

​Other Unique Features and Discounts

Since Progressive showcases auto insurance and home insurance policies on its website, you can conveniently bundle both into a package that may save you money.

You also may receive discounts for things like buying a new home or installing a security system.

Progressive offers condo insurance and renter’s insurance as well.

Product ​Availability

One of Progressive’s advantages stems from its widespread coverage across the country. You can sign up for Progressive home insurance no matter where you live in the US.

However, you may face restrictions if you live in an area prone to natural disasters like flooding.

Check out the website for Progressive home insurance options in your zip code. 

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

​Claims Process & Guarantee

As previously mentioned, Progressive does not underwrite the home insurance policies that it sells, but merely acts as a broker for other companies’ underwritten policies.

The company that underwrites your policy is responsible for handling insurance claims.

As a result, there may not be consistency in the handling of home insurance claims through Progressive.

This can lead to varying responses as Progressive connects you to customer service teams from different companies.

After some digging, you’ll find the claims process hidden under the property insurance section of the website. The page lists the contact information for each of the companies. 

You should contact the company responsible for your plan to learn about their claims process and ask any additional questions about your policy.

You may also file or view a claim online after logging into your Progressive account. 

​Taking Action

To sum up our Progressive home insurance review, Progressive is a longstanding company with a solid reputation.

Their site makes it easy to search for prices across different companies and find a policy in your price range.

They offer multi-policy discounts, among other options, to make home insurance affordable.

However, if you need a complex home insurance policy with many add-ons or live in a high-risk area, Progressive may not be the best option. 

If you need home insurance, you can get immediate quotes and coverage by clicking here or on any of the above buttons. 


Aten-Re El

About the author

Aten-Re El is a Co-Founder and Chief Operating Officer of Simply Insurance as well as a licensed life & health insurance agent with over 11 years of experience. Aten-Re is responsible for the daily operations of Simply Insurance and building and procuring strong client relationships with our insurance partners.

Aten-Re El

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