Progressive Home Insurance Review

We’re all familiar with Flo, Progressive’s friendly face of the company. Her love for the insurance agency is downright infectious. But Flo isn’t the only great thing about the company — Progressive’s home insurance is an excellent choice for those looking to protect their property. Using SimpleScore, our team compared Progressive to other major insurance carriers in the industry across five categories, customer satisfaction, customer support, website accessibility, available discounts and breadth of coverage. From its proprietary Name Your Price tool to its exceptional customer service, we’re as confident as Flo is about the high-quality home insurance products that Progressive offers.

Most User-Centric Home Insurance Provider – Progressive

With incredible discounts, easy-to-use online tools and exceptional customer service, Progressive homeowners’ insurance will have you rocking your Flo costume all year long!

J.D. Power Rating
3/5
AM Best Rating
A+
Standard & Poor’s
AA
SimpleScore
4.2 / 5.0
close
SimpleScore Progressive 4.2
Discounts 3
Coverage Options 5
Customer Satisfaction 3
Support 5
Accessibility 5
  • Name Your Price tool
  • HomeQuote Explorer comparison tool
  • User-focused, competitive pricing.
  • Discounts and coverage options vary by location.

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    In this article

      What we like about Progressive home insurance

      There’s lots to love about Progressive’s home insurance products, but we’ll try to keep it to just a few key highlights. Specifically, the company’s Name Your Price tool, HomeQuote Explorer tool, and available discounts are what make Progressive such an excellent choice for home insurance.

      [Read: How to File a Homeowners Insurance Claim]

      Name Your Price tool

      Thanks to Progressive’s Name Your Price tool, customers from virtually any financial background can find a policy that meets their budget. Using the online tool, customers provide some basic information, receive possible rates, and name the price they wish to pay. Progressive will then show coverage options that fit the customer’s unique criteria. Customers can then select the policy that meets their budgetary needs and customize it based on the amount of coverage they need.

      [Read: Home Insurance Terms You Should Know]

      HomeQuote Explorer tool

      To date, Progressive is the only insurance carrier that allows customers to compare home insurance rates and coverage across multiple providers. This easy-to-use web-based tool first requires customers to enter their basic information to receive a personalized quote. From there, Progressive allows customers to compare the quote they receive against rates and coverages from other insurance carriers side-by-side. Once they find the policy that meets their needs, customers can elect it by working with one of Progressive’s agents or by seeking an underwriter from the carrier with the better rate.

      [Read: Insurance Provider Reviews]

      Available discounts

      You’ve probably heard Flo’s signature catchphrase, “There’s a discount for that!” Progressive provides one of the largest selections of available discounts that homeowners can apply to their policies. The following discounts are just some of the additional ways in which Progressive puts customers’ budgets first:

      • Multi-policy Bundle Discount
      • Alarm Systems & Safety Services Discount
      • Quote in Advance Discount
      • New Home Discount
      • Pay in Full Discount
      • Receive Electronic Documents Discount
      • New Home Construction Discount

      [ Read: Coronavirus and Your Home Insurance: A Practical Guide ]

      Who should get this policy

      Progressive home insurance policies are a great choice for virtually any homeowner. However, due to the availability of new home and new home construction discounts, homeowners that have purchased a newly constructed home or who are planning to build a new home may benefit most from a Progressive policy. Additionally, if you already have an auto policy with Progressive, bundling with a homeowners insurance policy can help you save even more on your coverage needs.

      Things to consider

      Like all major purchases, it’s important to read the fine print and know what you’re getting into before sealing the deal. While Progressive’s products are extremely user-centric and affordable, there are some things that homeowners should consider before signing on with Team Flo.

      Discounts depend on location

      Depending on where you live in the United States, certain discounts and coverages may not be available. There’s no easy way to find out if you live in an area that isn’t eligible for specific discounts other than using the Name Your Price and HomeQuote Explorer tools. You’ll simply have to fill out your information and receive a personalized quote to find out whether or not you qualify for specific discounts and coverage options in your area.

      Who shouldn’t get this policy

      If you’re looking for an all-in-one solution for your home insurance needs, including underwriting and claims processing, you’ll need to look elsewhere. Progressive functions in large part as a middleman, not underwriting its own policies or allowing customers to file claims through the carrier. Those who wish to have all their insurance needs met under one umbrella will be better off finding coverage from another provider.

      [ More: How to Compare Home Insurance Policy Quotes ]

      What we analyzed

      Our team analyzed how Progressive stacks up against the competition by evaluating available discounts, coverage options, customer satisfaction, support and accessibility.

      Discounts

      When it comes to discounts, Progressive has some of the most robust options available. Available discounts include the following:

      • Multi-policy Discount
      • Alarm Systems & Safety Devices Discount
      • Quote in Advance Discount
      • New Purchase Discount
      • Pay in Full Discount
      • Receive Electronic Documents Discount
      • New Home Construction Discount

      Progressive also allows customers to work through their exclusive contractor network to help them save money on needed repairs as a result of their insurance claim.

      [ See: What Home Insurance Discounts Are Available? ]

      Coverage

      Standard home insurance from Progressive includes the following coverages:

      • Dwelling Coverage
      • Other Structures
      • Personal Possessions
      • Loss of Use
      • Personal Liability
      • Medical Payments

      In terms of additional coverages, Progressive doesn’t offer much in the way of variety. They do, however, offer a water back-up coverage option that helps cover water damage from backed-up sump pumps and sewer systems. The company also provides available personal injury protection for uncommon yet expensive lawsuits.

      Customer satisfaction

      Compared to other insurance providers in the industry, Progressive touts a solid customer satisfaction rating. According to JD Power’s 2019 U.S. Home Insurance Study, Progressive earned a satisfaction rating of 809 out of 1,000. That places them well ahead of providers like Nationwide, Travelers, Liberty Mutual and MetLife — all of whom fell between the 750–800 range on the customer satisfaction scale.

      Support

      In addition to its customer support hotline, Progressive offers other ways for customers to get the answers they need to their home insurance questions. Policyholders may begin a chat with Flo using the online tool or can send an email request with their concern. They can also use the Progressive App to quickly connect to available agents and customer service representatives. For fast answers to common questions, the Progressive Answers online platform provides a whole host of frequently asked questions and their helpful responses so users can get the information they need quickly and easily.

      Accessibility

      The Progressive website is very intuitive, featuring a full description of each available product with corresponding discounts and online quote tools. Customers can easily obtain a quote online using the web-based quote tool and can even compare rates across providers with the HomeQuote Explorer tool. However, Progressive does not allow policyholders to manage their policies or file claims through the carrier. Claims must be submitted separately through the third-party claims processor, which can be a point of concern for some customers.

      Progressive home insurance vs. the competition

      To give you an even better idea of how Progressive performs compared to their competitors, we’ve compiled a list of three other insurance carriers that offer homeowners insurance products. We evaluated each for discounts, coverage options, accessibility, customer satisfaction and support to determine where they stand in relation to Progressive’s offerings.

      Not a house, but a home — Amica has 100 years of experience of insuring not houses, but homes.

      J.D. Power Rating
      5/5
      AM Best Rating
      A
      Standard & Poor’s
      N/A
      SimpleScore
      4 / 5.0
      close
      SimpleScore Amica 4
      Discounts 2
      Coverage 5
      Customer Satisfaction 5
      Support 4
      Accessibility 4

      With more than 100 years of experience in the home insurance industry, Amica is one of the best carriers available. However, the company does not offer insurance in Hawaii and its available discounts pale in comparison to Progressive’s broad range of affordable solutions.

      It sucks when you have to bend over backwards for the best home insurance, but Farmers home insurance will bend over backwards with flexible coverage options.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      3.2 / 5.0
      close
      SimpleScore Farmers 3.2
      Discounts 2
      Coverage Options 3
      Customer Satisfaction 3
      Support 4
      Accessibility 4

      Compared to Progressive, Farmers home insurance is a poor option for those who value customer service. While Farmers’ customer service leaves something to be desired, its flexible coverage options are what make them an appealing option for those seeking specific coverages.

      The Geico gecko isn’t just a gag advertise — the green lizard means more green in your wallet.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA+
      SimpleScore
      3.4 / 5.0
      close
      SimpleScore Geico 3.4
      Discounts 2
      Coverage Options 2
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      Geico is one of the most affordable options on the market and is one of the closest competitors for Progressive. Featuring price-conscious products and excellent customer service, the company is a strong contender against Progressive’s offerings.

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

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        Progressive’s home insurance rates

        Like all homeowners insurance rates, Progressive’s premiums are determined based on your geographic location, the age of your home, claims history and the breadth of coverage requested — just to name a few. According to the company’s website, the average cost of homeowners’ insurance for a 12-month policy from Progressive ranged from $676 to $2,044 annually in 2019. The biggest factor that impacts insurance premiums is your home’s location. The least-expensive states for coverage include Arizona, Delaware, Washington, D.C., Kentucky, Maine, Nevada, New York, North Carolina, Ohio, Oregon, Pennsylvania, Utah, Vermont, Washington, Wisconsin and West Virginia.

        Progressive online and mobile app

        For informational purposes, Progressive’s online and mobile app user experiences are unmatched. Each provides in-depth information about the company’s offerings and how customers can save the most money on their coverage needs. However, if you’re looking for a company that provides policyholders unique ways to manage their policies and file claims, you may need to keep looking. Progressive currently does not allow their customers to manage policies or file claims online or through their mobile app.

        [Read: USAA Home Insurance Review]

        Progressive renters, auto and life insurance

        In addition to Progressive’s homeowners’ insurance offerings, the company provides renters, auto and life insurance products. Depending on which product you select, you may be able to bundle with your homeowners insurance policy to save on your coverage needs.

        Renters insurance

        Progressive’s renters insurance policies are specially designed to protect tenants from unexpected expenses, including medical bills for someone else’s injuries or temporary living expenses due to forced displacement. Customers can build the policy that works best for them by selecting the coverages that make the most sense for their situation for a truly personalized policy.

        Life insurance

        Customers can choose from Progressive’s broad range of available life insurance policies to protect their families’ financial well-being in the event that they die. The company currently offers term life insurance, whole life insurance, universal life insurance and final expense insurance. Benefit amounts range from $50,000 to more than $1 million, and beneficiaries can receive pay-outs even if policyholders live past 100 years old!

        Auto insurance

        More than 20 million drivers in the United States are enrolled in Progressive’s auto insurance coverage — and for good reason. The company offers a broad range of discounts, including its Safe Driving discount that provides personalized savings based on the driver’s behaviors. Customers simply install a Progressive monitor in their car to start saving on their auto insurance policies based on their personal driving habits.

        Bundling options

        It pays to have more than one policy with Progressive — customers can bundle and save on their coverage needs by having a unified policy for their home and auto coverage needs. Policyholders can also elect to have one deductible across their bundle, saving even more on their coverage. On average, Progressive customers save 12% by bundling their policies.

        Progressive in the news

        • In November 2020, Progressive teamed up with Whole Foods to provide customers with “turkey insurance” for their Thanksgiving nightmares. Through the program, customers are protected from “eating a bad meal” if they’re enrolled in the insurance, have their Whole Foods Market receipt, and a picture and explanation of what went wrong to cause their Turkey Day fail.
        • Progressive also teamed up with SimpleNexus to provide app users with access to home insurance offerings. SimpleNexus is a mortgage app that has been used to connect 3 million borrowers to available lenders for their mortgage needs. Now, customers can use the app to find available home insurance coverage for their new home purchases with Progressive.
        • Following the COVID-19 pandemic, Progressive released an initiative to lower its auto insurance rates by 10%. However, as businesses began to reopen and workers returned to their places of business, Progressive rolled back its auto insurance reductions, causing an average increase of 4% to customers’ insurance premiums. While it wasn’t the news many policyholders were hoping to hear, at least they can still enjoy 6% savings on their coverage through the initial reduction.

        Compare Affordable Auto Insurance Rates

        Save money on auto coverage with our simple comparison tool.

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          Frequently Asked Questions

          Progressive offers a variety of property insurance, including condo, flood, homeowners, homeshare, home warranty, home security, mobile home and renters. They also offer the ability to bundle home and auto insurance, which can result in a discount off annual premium with the added benefit of paying one deductible if there is damage to both your home and auto. If you have not bundled the two and both are damaged, you will be responsible for paying a deductible on each policy.

          When determining how much home insurance to purchase, we recommend speaking with a licensed insurance agent who can help you look at factors like geographical location, what kind of weather implications there may be, what kind of property you have, how much personal property you need covered, etc.

          Though Progressive offers auto insurance in all 50 states, homeowners insurance coverage and discounts are not available in all states and situations, according to Progressive.com

          Progressive home insurance is underwritten by different partner insurers. The underwriters available to you vary by state and region. With a Progressive home insurance policy, one of the partners will be responsible for setting your rate and paying out your claims.

          If your home’s damage is the result of expected events, the damage will not be covered by Progressive. If the damage is the result of unexpected events, the damage will likely be covered. For example, if you have a known plumbing issue that you do not get resolved and it later results in a water leak, your home insurance policy may not cover those damages. However, if a pipe bursts unexpectedly, the policy will likely cover those damages. Another example Progressive provides: if your roof is old and due to normal wear and tear, needs to be replaced, the insurance will not cover it. But if the roof sustains damage in a storm, it would be covered. When in doubt, speak to a Progressive agent about what exact coverage to expect under your policy.

          We welcome your feedback on this article and would love to hear about your experience with the insurers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

          Methodology

          SimpleScore

          The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
          For every review, our editorial team:

          • Identifies five measurable aspects to compare across each brand
          • Determines the rating criteria for each aspect score
          • Averages the five aspect scores to produce a single SimpleScore

          Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

          Why do some brands have different SimpleScores on different pages?

          To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

          However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

          Discounts

          We looked at the number of discounts each company offers – more discounts mean a higher score.

          Coverage Options

          We awarded higher scores to the companies that offer more coverage options.

          Support

          We awarded higher scores to companies with the most channels for customer support.

          Customer Satisfaction

          We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

          Accessibility

          We looked at the level of accessibility of each company – the more resources they have the higher their score

          Reviewed by

          • Nashalie Addarich
            Nashalie Addarich
            Insurance Editor

            Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.