Progressive home insurance review searches have surged as homeowners look for affordable coverage with bundling options. Progressive is one of the largest insurance companies in the United States. Founded in 1937, it has grown into a household name. The company is headquartered in Mayfield Village, Ohio.
- Progressive Overview and Financial Strength
- Progressive Home Insurance Review: Coverage Options
- Progressive Home Insurance Discounts
- Progressive Home Insurance Cost
- Progressive Claims Process and Customer Service
- Pros and Cons of Progressive Home Insurance
- Who Is Progressive Home Insurance Best For?
- Frequently Asked Questions
Progressive offers home insurance in 48 states through its subsidiary ASI and a network of partner carriers. Its HomeQuote Explorer tool lets you compare rates from multiple insurers in one place. However, the company behind your policy may vary by state. This progressive home insurance review covers everything you need to know before buying a policy.
Progressive Overview and Financial Strength
Progressive has been in the insurance business for nearly 90 years. The company is best known for auto insurance. However, it has become a major player in home insurance as well. Progressive’s home policies are underwritten by American Strategic Insurance (ASI), a Progressive subsidiary. In some states, third-party carriers handle the underwriting instead. As a result, your experience may differ depending on which carrier writes your policy.
Financial strength matters when choosing a home insurer. Progressive holds an AM Best rating of A+ (Superior). This is the second-highest rating available. It reflects strong financial stability and claims-paying ability. The company’s combined ratio was 87.4% in 2025. That signals solid profitability. However, its NAIC complaint ratio sits at 1.50. This means Progressive receives 50% more complaints than the industry average relative to its market share. In this progressive home insurance review, we weigh both the strengths and weaknesses honestly.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | A+ (Superior) |
| JD Power Home Insurance (2024) | 634 / 1,000 (15th of 23) |
| NAIC Complaint Ratio | 1.50 (above average; 1.0 = industry baseline) |
| BBB Rating | Not Accredited — 1.09 / 5 stars |
Progressive Home Insurance Review: Coverage Options
Progressive offers a standard HO-3 homeowners policy. This covers the most common risks homeowners face. Dwelling coverage protects your home’s structure, walls, and roof. Personal property coverage insures your belongings. Liability coverage protects you if someone is injured on your property. Additional living expenses (ALE) cover hotel and food costs if your home becomes unlivable. Other structures coverage includes detached garages, sheds, and fences.
Beyond the basics, Progressive offers several optional endorsements. Water backup coverage protects against sump pump and sewer overflow damage. Equipment breakdown coverage handles appliance and home system failures. You can also schedule high-value items like jewelry and art for extra protection. Extended replacement cost increases your dwelling limit beyond the policy face value. For example, this helps if rebuilding costs spike after a major disaster. This progressive home insurance review found the coverage options to be competitive with most national carriers.
Progressive Home Insurance Discounts
Discounts can significantly lower your premium. Progressive advertises eight discount categories for homeowners. The bundling discount is one of the most valuable. Combining home and auto insurance saves over 25% on average. Many homeowners bundle auto and home insurance for discounts, and you can compare auto insurance rates at Car Cover Guide to maximize those savings. Progressive also offers a single deductible when one event damages both your home and car.
The new home discount is Progressive’s largest available savings. It can reduce premiums by up to 68%. You do not need a newly built home to qualify. Typically, recently purchased homes are eligible. Other discounts include claims-free history, security system installations, and paperless billing. An early quote discount applies when you get a quote 10 or more days before your policy starts.
| Discount | Potential Savings |
|---|---|
| Bundling (home + auto) | Over 25% |
| New home purchase | Up to 68% |
| Claims-free history | Up to 15% |
| Security / alarm systems | Varies by system |
| Pay in full | Varies |
| Early quote (10+ days ahead) | Varies |
| Paperless documents | Varies |
| Wind mitigation (Florida) | Varies by certification |
Progressive Home Insurance Cost
Home insurance rates depend on many factors. For a progressive home insurance review, cost is always a top concern. Progressive’s average annual premium is roughly $2,574 for $300,000 in dwelling coverage and $100,000 in liability. However, rates range widely by state. Some homeowners pay as little as $1,237 per year. Others pay over $11,000 in high-risk areas. In most cases, your location, home age, and claims history are the biggest pricing factors.
Progressive’s rates are generally competitive with the national average. The national average for homeowners insurance is approximately $2,300 to $2,500 per year. Progressive falls in that range for standard coverage levels. However, higher coverage assumptions push the average up significantly. Bundling discounts can bring costs well below average. As a result, Progressive is most affordable when you combine multiple policies. Saving on insurance premiums frees up money for savings accounts with sign-up bonuses, and you can find bank sign-up bonuses at Bonus Bank Daily to put those savings to work.
Progressive Claims Process and Customer Service
Filing a claim with Progressive is straightforward. You can report damage online, through the mobile app, or by phone. The first step is to ensure safety and document the damage with photos. Then you file a report with your policy details. Progressive assigns an adjuster to inspect the damage. The adjuster provides a repair estimate and explains your deductible.
However, there is an important nuance in this progressive home insurance review. Because policies may be underwritten by different carriers, your claim is handled by the actual underwriting company. This can create confusion. You may need to contact a carrier other than Progressive directly. Progressive provides a directory of carrier phone numbers on its website. In terms of satisfaction, Progressive scored above the study average in the 2025 JD Power Property Claims Satisfaction Study. That is a positive sign for claims handling quality.
Customer service hours are standard business hours for phone support. The online portal and app are available 24/7. Typically, initial claims can be filed at any time through digital channels. However, some customers report delays in reaching live agents. The NAIC complaint ratio of 1.50 suggests room for improvement in overall service quality. This progressive home insurance review recommends documenting everything thoroughly before filing.
Pros and Cons of Progressive Home Insurance
Pros:
- AM Best A+ rating provides strong financial backing and claims-paying confidence
- HomeQuote Explorer lets you compare rates from 20+ carriers in one place
- Bundling home and auto saves over 25% on average with a single deductible option
- Available in 48 states with competitive pricing for standard coverage levels
- New home discount of up to 68% is one of the largest in the industry
Cons:
- NAIC complaint ratio of 1.50 is 50% above the industry average
- JD Power satisfaction score of 634 ranked below average (15th of 23 carriers)
- Policies may be underwritten by third-party carriers, creating inconsistent experiences
- BBB customer reviews average just 1.09 out of 5 stars
Who Is Progressive Home Insurance Best For?
This progressive home insurance review finds Progressive best suited for bundlers. If you already have Progressive auto insurance, adding home coverage is a smart move. The 25%+ bundling discount and single deductible make it a compelling package. The HomeQuote Explorer tool also benefits comparison shoppers. It saves time by pulling quotes from multiple carriers at once.
Progressive is also a solid choice for new homebuyers. The up-to-68% new home discount is hard to beat. However, homeowners who value top-tier customer service may want to look elsewhere. The below-average JD Power scores and elevated complaint ratio are real concerns. In most cases, Progressive works best for budget-conscious homeowners who prioritize price and convenience over premium service.
For this progressive home insurance review, the final verdict is clear. Progressive offers strong financial stability and aggressive discounts. Its comparison shopping tool is genuinely useful. However, customer satisfaction trails the industry leaders. Homeowners who want the best claims experience should consider Amica or Erie. Those who want the best rates with bundling flexibility will find Progressive hard to beat. As a result, Progressive earns a solid recommendation for the right type of homeowner.
Frequently Asked Questions
Does Progressive write its own home insurance policies?
Progressive underwrites some policies through its subsidiary ASI. However, many policies are written by third-party partner carriers. As a result, your actual insurer depends on your state and risk profile. You can find your specific carrier listed on your policy documents.
Is Progressive home insurance available in all 50 states?
Progressive offers home insurance in 48 states. However, it is not available in Alaska or Hawaii. In most cases, the HomeQuote Explorer tool returns quotes in 45 of those 48 states. Availability of specific carriers may also vary by location.
How much does Progressive home insurance cost on average?
The average annual premium is approximately $2,574 for $300,000 in dwelling coverage. However, rates vary significantly by state and risk factors. For example, high-risk coastal areas may see premiums above $10,000. Bundling and discount stacking can reduce costs well below the national average.
What is the biggest discount Progressive offers for homeowners?
The new home discount is the largest at up to 68% off. Typically, you qualify by recently purchasing a home. The bundling discount is also significant at over 25% savings. Combining multiple discounts provides the best overall rate reduction.
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Official Sources & Resources
For verified information on home insurance ratings and regulations:
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- Insurance Information Institute: iii.org
- FEMA (Flood Insurance): fema.gov
- J.D. Power (Customer Satisfaction): jdpower.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.