Progressive Home Insurance Reviews 2023: Coverage & Cost

In this article: Pros & Cons | At a glance | Policy Coverage | Cost | Discounts | Customer Reviews | Conclusion | FAQs | Methodology

Progressive is one of the best-known names in the insurance industry, with more than 30 insurance products and 20.4 million policies in force today.

When it comes to homeowners insurance, Progressive acts as a broker, connecting policy shoppers with coverage from providers such as Assurant and Nationwide. Progressive stands out for its bundling options, which reward you for purchasing homeowners and other types of insurance through Progressive.

We at the Guides Home Team have scoured customer reviews and third-party ratings, obtained quotes and compared coverage to provide you with an in-depth review of Progressive home insurance. Read on to see how Progressive stacks up and determine whether it's the best homeowners insurance company to meet your needs.

Here are a few key highlights on Progressive's home policies:

Most homeowners insurance companies, including Progressive's partners, offer a set of basic coverages through their standard policies:

You can customize your home insurance policy by adding endorsements that enhance your coverage.

Because Progressive partners with several providers, and each company has unique endorsement offerings, availability can vary. However, Progressive states explicitly you can add the coverages below to your policy:

While flood coverage is excluded from standard home insurance plans, you can compare quotes and purchase a separate flood insurance policy with Progressive. This type of coverage can be helpful if you live in a coastal area and may be required by your mortgage lender if you live in a flood zone, as dictated by FEMA.

According to a 2021 report from the Insurance Information Institute, the national average cost of a homeowners insurance policy is $1,249 per year as of 2018. However, multiple indicators will determine what you pay for coverage.

Because Progressive's rates can vary dramatically depending on your location and other details, it's crucial to get a customized quote based on your home's details.

In general, home insurance rates are most heavily affected by some of the factors below:

Because so many factors are at play, we recommend comparing coverage from at least three providers to lock in the lowest rates possible.

While you may be eligible for additional insurance discounts from Progressive depending on which insurance carrier you choose, Progressive highlights the discounts below:

The best way to determine what discounts you’re eligible for is to apply for quotes.

We examined more than 100 Progressive home insurance reviews from policyholders during our analysis to gauge the overall customer experience. We found that most of Progressive's negative reviews are centered around its auto insurance policies rather than homeowners insurance.

However, some common homeowners’ complaints are focused on the company's cost increases, lower coverage limits and lack of policy information online. Many positive reviews emphasized Progressive's quick response to customer service issues and claims and its affordable rates. Progressive did not provide a comment when we reached out about the negative reviews.

Here's what a few customers have to say about their experience with Progressive on ConsumerAffairs:

"They were extremely helpful. They gave me prices of competitors, even ones that were lower prices! The gentleman who helped me was extremely friendly. He told me what all my options were. Once I found a policy I wanted to pay for a year upfront and he walked me through the process and carefully explained how to fill out the online forms. I definitely recommend them!" —Mary, Modesto, California

"I like that the policy is broad. It covers damages to the entire property, inside and outside, especially water. Since I live in Florida, a hurricane zone this gives me comfort. The way to file a claim is simple. There is no need to call and deal with a representative with endless questions. It can be done on a website making it easy. The company is one that I have used before and that I was satisfied with. So I have no doubt that I will continue to be pleased." —Arlene, Port Orange, Florida

"Progressive has reasonable rates, good service, quick enrollment, very little red tape. They provide decent coverage on the home but high deductible. The policy was ample for my needs at the time but I prefer more coverage when I can afford it. Coverage limits not very high and they do not pay claims as readily as Allstate, AAA and some other insurers. Nevertheless, they have the lowest rates of companies I sought quote from." —Chris, El Cajon, California

"Progressive was the cheapest option for the coverage that we needed and was recommended by the agent that we have been using for several years. We also liked that there is a local office. But I think homeowners is relatively expensive and I don't feel like the coverage is sufficient in some cases. I also don't think the policies explicitly state what is or is not covered." —Jessica, Fulton, New York

If you’re looking to save money by bundling your home and auto insurance, Progressive could be a solid choice of insurer. With rewarding discounts, a solid brand reputation and competitive rates, it's a company worth considering.

However, it isn't our highest-rated home insurance provider. If you’re looking to purchase coverage directly from an insurer that underwrites its policies, we recommend Lemonade for a streamlined online experience and Allstate for its extensive endorsements. We recommend comparing quotes from multiple companies before purchasing homeowners insurance.

Based on its financial strength rating from AM Best, Progressive is a reliable insurance company. While it does not underwrite its home insurance policies, it is backed by dependable providers with an overall positive reputation.

Progressive offers flood insurance quotes and allows you to purchase a flood insurance policy online through the National Flood Insurance Program (NFIP) rather than offering private plans from its homeowners insurance partners.

Progressive partners with more than a dozen insurers who underwrite home insurance policies, including Assurant, Nationwide and Plymouth Rock. The provider you get is based on your location.

Our team surveyed dozens of home insurance providers and created a scoring system to judge each company's quality and service. We reach out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:

Companies with the best customer service exhibit 24/7 availability, educational resources on their website, useful digital tools and a seamless claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don't, putting them toward the top of our recommendations to readers.

Ratings listed in this article are accurate as of February 2023.

A.M. Best disclaimer

Parker King is a writer, editor and SEO content strategist with a master's degree in professional communication from Clemson University and years of experience in the digital marketing industry. She specializes in writing, editing and optimizing personal finance, home services and insurance content.

Roxanne Downer has more than 15 years as a news, finance and lifestyle writer and editor. A graduate of the University of Pennsylvania, she has previously worked at Deutsche Bank, BNY Mellon, Financial Week and MSN Money.