THE GOOD

Solid additional policy protection options:

Progressive home insurance greatly delivers on their add-on policy protections. If you want to cover particular items that aren't included under most standard policies, including possessions like jewelry, fine art, antiques, computers, and firearms, you can add them to your policy with a scheduled personal property endorsement. You can also get protection for damage caused by floods, earthquakes, windstorms, and, in some cases, landslides. Coverage for expenses resulting from identity fraud is also available, which is an increasingly important as identity theft becomes more common. Finally, a Progressive personal umbrella policy offers up to $5 million in additional protection for liability claims that arise from an accident on your property, offering great peace of mind for you and your family.

Well-designed online quote process:

Comparison shoppers will appreciate Progressive's online quote tool, which produces a solid policy price in minutes. Though choosing home insurance policies can be complex, Progressive alleviates the process by walking you through with clear explanations so you know what information you need to provide. You can open a live chat with a Progressive home insurance representative as you complete your quote, a great way to clear up any confusion. Another helpful feature of Progressive's quote tool is the ability to get quotes for most types of dwellings and living arrangements, including quotes for mobile homes, condos, renters, and landlords.

Multiple support channels:

Progressive delivers great customer support, offering plenty of convenient ways to get in touch with a representative. You can call, email, or even use Twitter to contact Progressive's customer service. Though live online chatting with a representative is only available when using the Progressive home insurance quote tool, it's perfectly suited for that task.

THE BAD

Limited learning materials:

Although Progressive home insurance ranks highly in other categories of customer support, it falls a little behind the industry leaders when it comes to providing thorough informational resources. If you're new to home insurance, it's important to have access to detailed tutorials, glossaries, and FAQ pages so you can learn the ins and outs of different policy options and coverages. Progressive home insurance does offer some basic materials that provide you with a good foundation in home insurance topics, but they don't go as far as other providers in the market who offer video tutorials on home safety and more sophisticated topics.

Limited discounts:

Progressive offers several nice price breaks, including a multiple-policy discount, a discount for installing a burglar alarm, and a discount for homes under 10 years old, but their discount options don't compare to the best insurance companies in the industry. Some relatively common discounts are unavailable, like those for new homeowners and newly renovated homes. You also won't get a price break for maintaining a claim-free record for years, a rather significant omission.

Missing some home coverage options:

Although Progressive home insurance offers standard coverage options for single-family homes, condos, and renters, they are missing several types of common coverage options. For example, Progressive is one of the few major insurers that doesn't offer coverage for rental properties. They also don't insure commercial farms and ranches, though coverage is available for properties that do not operate as businesses. If you have an older home, Progressive homeowners insurance isn't going to work for you either, although this type of policy is available from only a few major insurers. If you have a mobile home, you may be able to get a Progressive home insurance policy, but only if you live in one of the 16 states where it's available.

THE DETAILS

Details
AM Best FSR A+
AM Best ICR aa
Financial Size Category $2 billion or greater
FSR Outlook/Implication Stable
ICR Outlook/Implication Stable
Moodys Financial Strength Aa2
Standard and Poors FSR AA

FEATURES

Title
  • Condominium Insurance (HO6) The insurance provider offers HO6 coverage for condos.

  • Farm/Ranch You can buy insurance to protect your farm or ranch.

  • Mobile Home You can buy insurance to protect your mobile home.

  • Renters (HO4) The insurance provider offers renters insurance.

  • Special Form (HO3) The insurance provider offers HO3, open perils coverage.

  • Older Homes (HO8) The insurance provider offers HO8 coverage for older homes.

  • Premier Policy (HO5) The insurance providers offers HO5 coverage that includes open perils coverage on personal property.

  • Rental Property Insurance You can buy insurance to protect your rental property.

  • Age of Construction Discount Discounts based on the age of your home are available.

  • Multiple-Policy Discount You can receive a discount for having multiple insurance policies with the same company.

  • Protective Device Discount You can receive a discount if you have smoke detectors, fire alarms, burglar alarms, or other protective devices.

  • Age of Insured Discount Discounts based on the homeowner's age are available.

  • Claim-Free Discount You can receive a discount for remaining claim-free for a certain period of time.

  • Newly Purchased Home You can receive a discount if you recently purchased your home.

  • New/Renovated Home You can receive a discount if your home is new or recently renovated.

  • Aircraft Damage to your home caused by an aircraft is covered.

  • Explosion Damage to your home caused by an explosion is covered.

  • Fire Damage to your home caused by fire is covered.

  • Ice/Snow/Sleet Damage to your home caused by ice, snow, or sleet is covered.

  • Lightning Damage to your home caused by lightning is covered.

  • Plumbing Damage to your home caused by a frozen, burst, or damaged water pipe is covered.

  • Riot/Civil Commotion Damage to your home caused by a riot or civil commotion is covered.

  • Smoke Damage to your home caused by smoke is covered.

  • Theft The home insurance company covers any loss or damage to your home due to theft is covered.

  • Tornado Damage to your home caused by a tornado is covered.

  • Vandalism Damage to your home caused by vandalism is covered.

  • Water Damage to your home caused by water is covered.

  • Wildfire Damage to your home caused by a wildfire is covered.

  • Wind Damage to your home caused by wind is covered.

  • Dwelling Coverage for the cost of rebuilding/repairing your home if it is damaged by a covered peril is available.

  • Loss of Use If your home is damaged or destroyed, the insurance company will cover living expenses while repairs are made.

  • Medical Payments Coverage for medical payments is available.

  • Nationwide Availability The insurance company is available in at least 48 states.

  • Other Structures Coverage for detached garages, sheds, or other structures on your property is available.

  • Personal Liability Coverage for lawsuits associated with bodily injury or property damage that you may be responsible for is available.

  • Personal Property The insurance company covers the cost of replacing your possessions if they are destroyed by a covered peril.

  • Computer Coverage You can add computer coverage to your insurance as an additional policy or as an endorsement.

  • Earthquake Insurance You can add earthquake coverage to your insurance as an additional policy or as an endorsement.

  • Flood Insurance You can add flood coverage to your insurance as an additional policy or as an endorsement.

  • Identity Fraud Expenses You can add identity fraud expense coverage to your insurance as an additional policy or as an endorsement.

  • Landslide Insurance You can add landslide coverage to your insurance as an additional policy or as an endorsement.

  • Personal Umbrella Policy You can add personal umbrella coverage to your insurance as an additional policy or as an endorsement.

  • Scheduled Personal Property You can add scheduled personal property coverage to your insurance as an additional policy or as an endorsement.

  • Water Backup and Sump Overflow You can add water backup or sump overflow coverage to your insurance as an additional policy or as an endorsement.

  • 24/7 Claims Center You can contact a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Deductibles Flexible deductibles are available.

  • Online Claim Filing You can file a claim online.

  • Online Photo Inventory You can upload images of your personal property to an online location to document your property and help facilitate the claims process.

  • Telephone Claim Filing You can file a claim via telephone.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Photo Upload You can upload photos of damaged property to assist with the claims process.

  • Locate an Agent A tool is available online to help you locate an agent.

  • Manage Your Policy You can manage your insurance policy online.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Options Flexible payment terms over different periods of time are offered.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Email/Ticket An email or ticket system dedicated to support is available.

  • Live Chat You can contact the company through live chat.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the home insurance company with questions through social media websites.

  • A.M. Best Excellent or Better The company has an A.M. Best rating of "A" or better.

  • ICR Rating Stable The company has an A.M. Best Credit Rating rating of "Stable" or better.

  • Moody Rated Very Strong The company has a Moody's rating of "Aa3" or better.

  • S&P Rated Very Strong The company has an S&P FSR rating of "AA-" or better.

  • Blog The company provides a blog with relevant insurance information.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Glossary The company provides a glossary of common industry terms.

  • Video Tutorials The company provides video tutorials.

  • Forum The company provides an interactive forum where users can post questions and answers.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Mobile Website A mobile-specific website is available.

  • Android An Android app that allows you to access your home insurance policy is available.

  • Claim Details You can update your home insurance claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The company has a combined 3.5 stars or greater for their iPhone and Android apps.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • iPhone An iPhone app that allows you to access your home insurance policy is available.

  • Pay Premium You can pay your premium through your mobile app.

  • Tablet A tablet-based app is available.

Comparable Homeowners Insurance Providers


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