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What to Know
Progressive homeowners insurance is available in all 50 states and Washington, D.C. The company's standard policy includes six coverages: the house, other structures, your belongings, loss of use, personal liability and guests' medical payments. You can get a quote, buy the policy and file a claim online. It fits newer homes and new purchases most closely, because two of its discounts are built around them.
Flood damage is a listed exclusion, and Progressive refers customers who want or need it to the National Flood Insurance Program (NFIP).
Coverage for earthquakes isn't offered as an add-on either. Water that backs up through a drain or overflows a sump pump is covered under the optional Water Backup and Sump Discharge or Overflow endorsement.
Progressive
Best for Newer Homes- Discounts
- 8
- Online Quotes
- Online Policy Purchase
Why We Like Progressive
Progressive is our pick for best for newer homes. It offers a New Home Construction discount and a New Purchase discount for people buying a home or switching from renters insurance. You can get a quote, buy a policy and file a claim entirely online.
Pros and Cons
Pros
- Available in all 50 states and D.C.
- Online policy and claim management
Cons
- Higher customer complaints than expected for a company of its size
Solvable's Take on Progressive Homeowners Insurance
Progressive makes the most sense when timing is on your side. Say you're closing on a newly built house in five weeks. Get a quote now, and you can qualify for Quote in Advance (10 or more days before the policy starts) and New Purchase on the same policy, plus New Home Construction because of the home's age. If you already carry Progressive insurance on your car, the Bundle Home and Auto discount lowers your auto premium.
Florida homeowners who can document wind mitigation features get one more discount. That's the case for Progressive: it stacks the discounts a recent buyer qualifies for.
The policy is weaker where the exclusions matter. If your area has real flood risk, you'll be managing at least two policies. NFIP flood policies generally take 30 days to take effect. Exceptions exist, including a policy bought in connection with a new mortgage, so ask if one applies to you.
Earthquake coverage has to come from somewhere other than Progressive. Mold, pests and deferred maintenance are also excluded, so an older home with a repair backlog gets less from this policy than a new build does.
A bundle discount doesn't make Progressive the cheaper home insurer. That discount applies to auto, not home, so compare the home premium on its own, with matching limits and deductibles across carriers.
Progressive Homeowners Insurance Discounts
Several of these discounts reward timing, either by quoting early or buying new, so they matter most before you buy, not at renewal.
- Bundle Home and Auto (discount applies to auto policy)
- Safety and Alarm (burglar or fire alarm, sprinklers, cameras)
- Quote in Advance (10 or more days ahead)
- New Purchase (new home or switching from renters)
- Email Documents (paperless)
- New Home Construction (newer homes)
- Pay in Full
- Florida Wind Mitigation
Progressive Homeowners Insurance Coverage
Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered loss. This policy doesn't cover flood or earthquake damage.
Other structures
This covers structures on your property that aren't attached to the house, such as a detached garage, shed or fence.
Personal property
Personal property coverage pays for your belongings, like furniture, clothing and electronics, after a covered loss. Optional riders can add coverage for higher-value items such as jewelry, art and bicycles.
Loss of use
If a covered loss leaves your home uninhabitable, this pays the extra living costs, such as a hotel or rental, while it's repaired.
Personal liability
Personal liability covers injuries to other people or damage to their property that you're legally responsible for.
Medical payments
Medical payments coverage pays a guest's medical bills after an injury on your property, regardless of fault.
Frequently Asked Questions
Is Progressive good insurance for homeowners?
Progressive is a reasonable fit if you're buying a newer home or already bundle with Progressive auto. It's a weaker fit if flood or earthquake risk is a real threat, since neither is covered.
Does Progressive homeowners insurance cover flooding?
No. Flood damage sits outside Progressive's standard home insurance policy, and the company generally refers flood coverage out, typically to the National Flood Insurance Program. Water backup from a sump pump or drain is a separate optional endorsement, so you'd need to add it yourself if you want that protection.
Can I get Progressive home insurance without a Progressive auto policy?
A Progressive auto policy isn't a requirement for buying Progressive homeowners insurance. Bundling the two is optional. Because any bundling discount applies to your car insurance bill, compare the home policy price on its own before assuming the bundle makes it the cheaper overall choice.
Does Progressive homeowners insurance cover mold or earthquakes?
Neither is covered. Earthquake damage isn't available as an add-on anywhere on Progressive's site, and mold is a standard exclusion on the homeowners policy. Pests, normal wear and tear, and deferred maintenance are excluded too, which matters if you're buying an older home with a maintenance backlog.
How much is Progressive homeowners insurance?
Your home's age, location, coverage amount and claims history all determine what you'll pay for a policy. Run your own home insurance quote and compare it against a few other carriers using an insurance comparison tool like Solvable before you commit.
