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Progressive Homeowners Insurance – 2025 Review & Key Insights
July 1, 2025
Progressive homeowners insurance is a popular option for those looking to bundle home and auto coverage, but it works a bit differently than some competitors. Progressive doesn’t underwrite all its home insurance policies itself – instead, it often connects customers with third-party insurers through its HomeQuote Explorer tool.
In this 2025 review, we’ll break down how Progressive’s home insurance works, its coverage options, pricing, discounts (including bundling perks), and how it compares to other insurers. Our goal is to help you decide if Progressive is the right homeowners insurance choice for you.
Overview: How Progressive Home Insurance Works
Progressive is best known for auto insurance (and those iconic Flo commercials), but it’s also a major player in home insurance – albeit in a unique way. Rather than always providing coverage directly, Progressive acts as an agency that matches you with one of its partner home insurers in many cases.
In fact, Progressive offers its own homeowners policies in some states (through Progressive Home, formerly ASI) while also selling policies from other companies in others. This setup can provide more pricing options in your quote, but it may cause a bit of confusion since the actual insurer on your policy might not be “Progressive” at all.
Coverage
No matter which partner you end up with, a Progressive homeowners policy will include the standard coverages you’d expect – dwelling coverage for your house, personal property coverage, liability protection, and additional living expenses. These coverages meet typical needs for most homeowners and are similar to what other major insurers offer.
You can also customize your policy with various add-ons (like water backup coverage or increased jewelry limits), though the options available depend on the specific insurer. One downside is that Progressive’s selection of optional coverages isn’t as extensive as some competitors’ – the company has “fewer optional add-ons” compared to big rivals. If you’re a homeowner who needs very specialized coverage, you might find Progressive’s offerings a bit limited.
Third-Party Insurers
A key thing to understand is that if your Progressive home insurance is through a partner company (such as Homesite, Nationwide, etc.), claims are handled by that third-party insurer, not directly by Progressive. For example, you usually cannot file a homeowners insurance claim through Progressive’s main website the way you can for an auto claim – instead, you’ll need to contact the partner company that underwrites your policy.
Some customers have reported frustration with this claims process, especially in cases where the partner’s service was subpar. On the flip side, Progressive’s model of shopping your coverage among multiple carriers can be a benefit – it gives you a choice of carriers and potentially saves time by letting Progressive’s system find a competitive rate for you.
In terms of company reliability, Progressive is a financially strong insurer, and it has a long history (founded in 1937). It’s the 10th-largest home insurance provider by market share in the U.S., which is smaller than giants like State Farm or Allstate, but still significant.
If you already have Progressive for auto insurance, the company’s home insurance is especially worth a look due to the bundling benefits. Overall, Progressive is a trusted name known for competitive rates and tech-friendly service, but be aware that your experience may depend on which partner insurer services your policy.
Coverage Options, Discounts, and Comparisons
Progressive’s homeowners insurance offers robust protection for your home and belongings, with standard coverage designed to handle typical risks such as fire, theft, storms, and liability claims. In addition to these essential protections, Progressive stands out by providing a variety of discounts that help policyholders reduce their annual premium costs significantly. By leveraging options such as bundling home and auto policies, adding safety and security features, or opting for paperless billing, homeowners can enjoy substantial savings.
Let’s take a closer look at the specific coverage features included in Progressive's policies and discover all the ways you can keep more money in your pocket:
Standard vs. Optional Coverages
A standard Progressive home insurance policy (typically an HO-3 policy) includes: dwelling coverage (to rebuild or repair your home after covered disasters), personal property coverage (to replace your belongings if damaged or stolen), liability coverage, and loss of use coverage (paying for living expenses if you can’t live in your home during repairs after a claim). These are similar to the coverages offered by most insurers and generally meet the needs of a typical homeowner. For example, if a windstorm damages your roof, or a fire destroys your kitchen, your Progressive policy would pay for repairs (after your deductible), up to your coverage limits.
Beyond the basics, you can often add optional coverages to tailor your policy. Depending on the partner insurer and your location, options may include things like: water backup coverage (for damage from backed-up drains or sump pumps), scheduled personal property (extra coverage for high-value items like jewelry or art), extended dwelling coverage (which provides extra funds if rebuilding costs exceed your base dwelling limit), umbrella liability (for higher liability protection), and more.
However, it’s important to note that Progressive’s home insurance may not offer as many specialty add-ons as some competitors do. For instance, a competitor like Allstate or State Farm might let you add earthquake insurance or a wider range of endorsements directly. With Progressive, the menu of add-ons is largely determined by the third-party insurer writing the policy, and some of those insurers stick to fairly core coverage. If you have unique needs (say you own a historic home or you want equipment breakdown coverage), double-check if those options are available in your Progressive quote.
One area where Progressive could improve is transparency about who is actually covering you. Progressive’s site isn’t always clear up front about which company will underwrite your policy, which can be a bit confusing for consumers comparing coverage. Still, all policies obtained through Progressive’s network will clearly state the insurer on the declarations page. And no matter the underwriter, your coverage will be solid standard protection – just be sure to review your policy details so you know what is and isn’t covered.
Rates, Bundling, and Discounts
One of Progressive’s biggest selling points for homeowners is its competitive pricing, especially if you take advantage of discounts. In fact, Progressive is often among the cheapest large home insurance companies in the U.S.. NerdWallet’s 2025 analysis found that only Travelers had a lower average premium among big insurers, with Progressive coming in second-cheapest on average (around $2,170 per year for a sample policy). This suggests that for many homeowners, Progressive can offer affordable rates – a key reason many people consider Progressive in the first place. If budget is a concern, it’s worth getting a quote from Progressive to see if their rate is lower than your current insurer.
Bundling Discounts
If you also have auto insurance, bundling it with Progressive home insurance can unlock significant savings. Progressive advertises that customers save an average of about 5–7% on their auto policy by bundling it with a homeowners policy. (The discount is applied to the auto insurance premium, and you may also get a smaller discount on the home policy from the home insurer.) In real terms, that could mean hundreds of dollars saved each year.
Plus, Progressive offers a unique perk for bundled customers: a single deductible benefit. If one unlucky event causes damage to both your home and car (say, a major hailstorm or a garage fire affecting the car), and you have both policies with Progressive’s network, you’ll only pay one deductible for the claim, not two. (This feature is available when both policies are with certain Progressive network insurers, like Progressive’s own ASI). It’s a nice extra that many insurers don’t offer, and it can take some sting out of a worst-case scenario.
Beyond bundling, Progressive’s partners provide a variety of home insurance discounts you may qualify for, such as:
- Protective devices discount: If your home has safety features like a monitored security alarm, smoke detectors, or a sprinkler system, you could save on premiums.
- Advance quote discount: Quoting your homeowners policy at least 10 days before your current policy expires can earn you a small discount.
- New home or new purchase discount: If you’re insuring a recently built home, or you’re a new homeowner (even if the house isn’t brand new), there may be a discount available.
- Paperless or e-sign discount: Opting to receive documents via email and signing paperwork electronically can bring a modest discount.
- Pay in full discount: Paying your annual premium upfront (instead of monthly) can save you some money.
- New roof or wind mitigation (in wind-prone areas): In some states (like Florida), having an updated, wind-resistant roof or other wind mitigation features can get you a significant discount.
All these discounts can stack up. Progressive’s system will typically apply any discounts you qualify for automatically when you get a quote, so the price you see already includes those savings. It’s still a good idea to ask your agent or check which discounts were applied, to ensure you aren’t missing any. And remember, maintaining a good credit score and a claim-free history can also keep your home insurance rate lower, with Progressive or any insurer.
Finally, note that while Progressive’s base rates are often low, some reviews point out that rates can creep up over time. There are reports of premiums increasing at renewal (which has been a common story across the home insurance industry lately due to inflation and higher claim costs).
For example, some Progressive customers have wondered why their home insurance rates went up; industry-wide factors like rising construction costs and more frequent natural disasters are usually to blame, not just Progressive specifically. If you experience a big jump at renewal, it could be worth shopping around – or using a tool like Kudos to compare other options – but many customers still find Progressive remains competitive year over year.
Customer Experience and How It Stacks Up
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When it comes to customer satisfaction, Progressive’s homeowners insurance gets mixed reviews. Because claims and service are often handled by the third-party insurers, the experience can vary. However, we can look at some data to gauge overall performance:
Customer satisfaction scores
In consumer surveys, Progressive tends to rank middle-to-low tier for homeowners insurance service. For instance, Progressive’s home insurance scored 4.1 out of 5 in one large customer survey – a decent score, but it was actually the lowest among 15 major home insurers surveyed.
Additionally, J.D. Power’s 2024 Home Insurance study rated Progressive below average for overall satisfaction (Progressive didn’t make the top ranks in that study). Where Progressive does excel is digital experience – J.D. Power has awarded Progressive for its excellent online and mobile services, which aligns with Progressive’s tech-forward image. If you value managing your policy online or via an app, Progressive delivers a smooth experience.
Claims and complaints
Since many Progressive home policies are serviced by partners, claim satisfaction can depend on which company is handling the claim. According to the National Association of Insurance Commissioners (NAIC) data, Progressive (and its affiliates) have had a higher-than-average complaint ratio for homeowners insurance in some years – meaning more customers filed complaints than the industry norm, often related to claim handling. In particular, customers who were matched with certain partners (like the aforementioned Homesite) have voiced complaints about slow or difficult claims processes.
On the other hand, if your policy is underwritten by Progressive’s own company (ASI), you might experience more seamless claims service directly through Progressive’s channels. It’s a bit of a mixed bag. The key takeaway is that Progressive’s home insurance is reliable about covering legitimate claims, but the customer service experience can be inconsistent. It may not match the top-notch claims reputation of, say, Amica or USAA (known for stellar customer satisfaction), but many people do successfully get their claims paid with Progressive with no issues.
Progressive vs. other insurers
How does Progressive compare to big rivals? One obvious difference is the agent vs. direct model. If you prefer a local agent and a single company handling your home insurance, a traditional insurer like State Farm or Allstate (which underwrite and service their own policies) might appeal to you more. Those companies also offer more customized add-ons. However, they often come at a higher price – Allstate’s average home insurance premium is higher than Progressive’s by about 15-20%, according to industry data. State Farm and Allstate do tend to have broader agent networks and slightly higher customer satisfaction rankings than Progressive.
Meanwhile, Progressive’s strength is value and convenience. It often beats those competitors on price (especially for certain profiles, like homeowners with prior claims or less-than-perfect credit, where Progressive was found to be the cheapest option in NerdWallet’s study). Progressive also gives you that quick online comparison through its HomeQuote Explorer, which rivals typically don’t – you’d have to individually get quotes from each insurer. In summary, Progressive is great for savvy shoppers who want a good deal and a modern, online-friendly experience, but if you want an insurer that you’ll interact with face-to-face or one that offers every bell and whistle in coverage, you might lean toward a more traditional company.
Some customers even use Progressive to get a baseline quote and then use those numbers to negotiate with other insurers or to double-check against independent agents. From a financial perspective, you can feel secure with Progressive. It has an A+ Superior financial strength rating, meaning it’s well-capitalized to pay out claims. Progressive’s long history in the insurance business and large customer base also add to its credibility.
And Progressive continues to innovate – the company’s investment in technology has made things like quoting and policy management extremely user-friendly. “Investment in cutting-edge technology facilitates user-friendly digital interfaces and efficient claim processes,” says Siwei Gao, a professor of insurance studies, commenting on Progressive’s digital strengths.
Conclusion
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Progressive homeowners insurance is a solid option, particularly if you’re looking to bundle with auto insurance for a discount or if you prefer handling insurance online. It offers standard coverage at competitive prices and could save you money compared to other big insurers.
Just go in with eyes open that you might be dealing with a partner company for service, and read your policy to know what’s covered. If having a dedicated agent or a single company from start to finish is important to you, you might compare quotes from a company like State Farm, Allstate, or Amica as well – but don’t be surprised if Progressive’s price comes out lower for similar coverage.
FAQ
Is Progressive a good homeowners insurance company?
Yes, Progressive is a reliable homeowners insurance option for many people. It offers solid standard coverage and is known for competitive rates. Progressive earned a spot among the top home insurers and is financially strong (rated A+ by AM Best). However, its customer satisfaction is only average.
Can I bundle Progressive home and auto insurance for a discount?
Yes, absolutely. Progressive offers a multi-policy discount when you bundle your home insurance with an auto insurance policy. On average, customers save around 5%–7% on their auto premium by bundling with a homeowners policy. You might also get a discount on the home policy itself from the home insurer. Bundling with Progressive isn’t just about the discount either – it also comes with a perk where if one incident affects both home and car, you only pay one deductible instead of two.
Does Progressive home insurance cover water damage?
Yes, Progressive homeowners insurance covers sudden and accidental water damage – for example, if a pipe bursts and floods your kitchen, that would typically be covered (after your deductible) because it’s an unexpected accident. However, it does not cover flood damage from external sources (you’d need a separate flood insurance policy for natural flooding). Also, damage due to lack of maintenance would likely not be covered. This is the same as most home insurance companies – they will cover water damage from covered perils (burst pipes, rain through a storm-damaged roof, etc.) but not long-term leaks or regional flooding.
Can I file a Progressive home insurance claim online?
No, not in most cases. If your Progressive home insurance policy is through a third-party partner (which is common), you generally cannot file a homeowners claim on Progressive’s main website. Instead, you’ll need to contact the insurance company that actually underwrites your policy to report a claim (for example, Homesite, Nationwide, etc., depending on who issued your policy). Progressive’s website will direct you to the appropriate claims phone number or site for your specific insurer.
Is Progressive homeowners insurance available in all states?
Yes, Progressive offers homeowners insurance in most states, but not absolutely everywhere. Progressive home insurance is available in 48 states. There are some limitations – for instance, coverage isn’t offered in certain high-risk areas. Progressive has stopped writing new home insurance policies in Florida’s most challenging regions and in the state of Texas as of late 2023.
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