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.
Pros
Cons
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.
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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.
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.
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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.
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.
