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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.
Progressive Overview
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.
PROS
CONS
Progressive Homeowners Insurance Highlights
Methodology
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.
The Competition
| 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
About the Authors
Nina Rodríguez-Quirós is a feature writer for Reviews.com. Over the last year, she has covered insurance providers, claims handling, coverage and more. She has been featured in Allconnect.com and holds a Master’s Degree in Theory and Research of Communications from the University of Puerto Rico. Her favorite review is Millennials and Auto Insurance.
