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Progressive homeowners insurance offers an in-depth online quote tool and the ability to customize your coverage according to your needs. Progressive offers everything from home insurance to commercial property coverage and pet insurance policies, so it’s also a great alternative for those who like to have all of their insurance policies with one company.
Progressive is available in all 50 states and made it to our national list of best homeowners insurance companies where it stood out for its online quoting tool. It’s worth noting that, in many states, Progressive uses third-party policy underwriters, meaning prices and coverage options may vary significantly.
Check out our Progressive home insurance review to see what it offers to insure your house.
Consumer impressions of Progressive are mainly positive. According to YouGov, 43% of consumers have a favorable opinion of the brand and 94% have heard of Progressive insurance. While the company isn’t accredited by the Better Business Bureau, it does have an A+ rating overall. In terms of customer satisfaction for Progressive homeowners insurance, at the National Association of Insurance Commissioners, this company has fewer complaints than the average.
While we evaluated these factors to create our Progressive home insurance review, we also examined their coverage, add-ons, discounts, their online customer experience, including quoting tools. Here are the pros and cons we found for Progressive.
- Easy-to-use, in-depth online quote tool: Its online quoting tool is intuitive and specific to your location.
- Customize coverage to fit your needs: The online quoting tool also allows you to tailor your coverage, adding everything that suits your needs.
- Multiple discounts available: We loved the fact that you can have a deal for going paperless and advertised up to 10% savings when bundling homeowners and auto insurance.
- Average customer satisfaction ratings: Customers tend to feel an inconsistency in the company’s customer service.
- Third parties underwrite many policies: To make sure they cover the whole nation, Progressive uses local partners that handle payout, claims and even discounts.
- Prices vary across states: Since it uses third parties in many states, prices and discounts range depending on your location.
Progressive Homeowners Insurance Highlights
Two factors matter the most for Progressive homeowners insurance pricing: home location and your property’s condition. Depending on the state you live and which firm is responsible for underwriting Progressive’s policies there, prices and discounts vary significantly.
If your home is new or you’ve done renovations, such as repairing the roof, upgrading your windows or installing a new security system, you can expect a lower premium.
Progressive offers three types of homeowners insurance: the most basic is HO1, which protects against common perils, such as fire damage, vandalism, and theft. The other tiers HO2 and HO3, are more expensive and cover additional threats. HO2 protects against additional risks like freezing falling objects, fire and personal liability. HO3 is more comprehensive and it’s the most common type of homeowners insurance, it covers any perils unless the policy excludes it. Some exclusions might include earthquakes, nuclear hazards and water damages, but you can purchase them as add-ons.
If you need to estimate your homeowners insurance, we recommend doing an inventory of your possessions and their current value to make sure that you get enough coverage to replace them if anything unexpected happens to your house.
Progressive homeowners insurance earned 809 out of 1000 on J.D. Power 2019 U.S. Home Insurance Study, which is about average in the industry. A positive note is that it has a below-average number of consumer complaints, according to the NAIC. Nonetheless, the customer experience is inconsistent and could vary depending on the partner that underwrites your policy.
When a Progressive customer needs help, they can contact the company by phone 24/7, reach out via email, or log in to their online account for policy and premium details. Online chat is available through a digital version of “Flo,” its popular insurance spokeswoman.
You can save money with deals and discounts from Progressive homeowners insurance. For example, bundling home and auto coverage gets you up to a 10% discount. You can also lower your premium costs by installing alarm systems, getting a quote at least 10 days before your policy expires, or paying your 12-month policy in full upfront. Some Progressive partners also offer small discounts if you choose to go paperless and receive all your policy’s documents by email.
We evaluated the company based on its customer rating and experience, financial stability, and coverage to determine the Reviews.com score and create our Progressive homeowners insurance review. To compare this company with home insurance companies across the board, we then compared each Reviews.com score based on the following:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.
|Company||Reviews.com Score||AM Best Financial Strength Rating||J.D. Power 2019 Score||NAIC Customer Complaints|
|Progressive||3.75||A+||809/1000||Fewer complaints than average|
|State Farm||3.75||A++||831/1000||Fewer complaints than average|
|Allstate||4||A+||814/1000||Fewer complaints than average|
|Geico||2.75||A++||N/A||More complaints than average|
*All information accurate as of 09/09/2020.
Progressive vs. State Farm
Comparing Progressive versus State Farm, homeowners insurance does not look too different. Both companies have a comprehensive website that allows customers to get a quote in minutes and fewer complaints than average. For J.D. Power Score on customer satisfaction, Progressive has a score of 809 and State Farm has 831, which means that State Farm takes the lead with 22 more points. But for those looking for discount options, Progressive seems like the winner in this category since it offers discounts even for going paperless.
Both insurers got a Reviews.com score of 3.75 and both are part of our best homeowners insurance companies in the United States. While Progressive got highlighted for its online quoting tool, State Farm made our top list for its fast claim payments.
Progressive vs. Allstate
Both Progressive and Allstate are homeowners insurance options that offer several ways to save money. On customer satisfaction in the J.D. Power ranks, these two companies do not differ too much. Progressive has a score of 809 and Allstate has a score of 814. And both have less than average complaints on the National Association of Insurance Commissioners.
Allstate offers a wider variety of discounts, including one for first-time homebuyers, which made the company stand out in our list of best homeowners insurance companies in the United States.
The Bottom Line
Progressive homeowners insurance offers policy customization and easy quote comparisons to help make your decision easier. The company has an average customer service rating, but fewer complaints than its competitors. It does suffer when it comes to underwriting—since Progressive uses third parties for this task in many states, prices and discounts vary considerably depending on your location.
Bottom line? Our Progressive homeowners insurance review shows that the company enjoys a positive market reputation and offers generally competitive pricing. Still, depending on the location, the customer experience can be significantly impacted.
Progressive Home Insurance FAQ
Progressive provides coverage for homeowners in all 50 states by using third-party insurance carriers.
To provide service to the 50 states, Progressive homeowners insurer uses different underwriting companies in each state. While Progressive is your insurance provider, all payouts and claims are handled by local partners. As a result, discounts and pricing can vary significantly depending on your insurer and the availability.
The Standard Progressive home insurance policies cover the basic perils: fire and lightning, windstorms, smoke and theft. They offer protection for your home, attached property such as garages, detached structures, personal possessions, loss of use, and liability and medical coverage for injuries sustained on your property. If you need more extensive coverage, you should check its other two tiers of coverage.