Progressive Home Insurance Review: Service, Cost, & More (2022) (2023)

Progressive Home Insurance Review: Service, Cost, & More (2022) (1)Progressive Home Insurance Review: Service, Cost, & More (2022) (2)score90








Highly affordable

Excellent track record for processing claims

Discounts for bundling your home and auto policies

HomeQuote Explorer tool to easily compare rates and coverages from different firms


Average to poor customer service score

Claims may be processed through a third-party underwriter rather than Progressive


Progressive is one of the most suitable options for homeowners insurance. Other than its affordability, the insurer offers a variety of easy-to-use online tools to assist homeowners with cost estimation, including the Name Your Price and HomeQuote Explorer tools.

Customers with Progressive homeowners insurance coverage will be required to file claims through a third-party underwriter rather than Progressive, which may be inconvenient for some.

Does Progressive Have Good Customer Service?

MoneyGeek rated Progressive as one of the top providers of homeowners insurance in America. Its homeowners insurance offers are limited to basic coverage and a few optional coverages, but there are numerous discount options available.

However, you may have to file claims through a third-party underwriter. This complicates customer service communication and it means that fees and coverage may differ amongst partners. As a result, we gave Progressive an overall score of 90 out of 100.

Customer Satisfaction Rating

Customer experience is important when it comes to home insurance since it often impacts the quality of service you’ll receive if you need to file a claim. MoneyGeek gave Progressive a 3.61 out of 5 for customer satisfaction, based on J.D. Power ratings. In the J.D. Power 2021 U.S. Home Insurance, Progressive received a score of 821 out of 1,000.

Customer Complaint Index


To shed more light on the overall customer experience, MoneyGeek also used data from the National Association of Insurance Commissioners (NAIC) to evaluate Progressive homeowners insurance’s customer complaint index. According to data from the NAIC, Progressive has a customer complaint index of 1.85. This indicates that it receives far more complaints than the average insurance company.

Financial Stability Rating

Financial stability ratings reflect an insurer's capacity to respond to and fulfill a claim. AM Best, a rating agency for insurance companies, assigned Progressive an A+ rating for financial stability, indicating that it’s consistently able to process its claims.

What to Expect From Progressive Homeowners Insurance

Figuring out how to apply for homeowners insurance is often the biggest hurdle to getting the coverage you need for your home, as the process varies between companies. In the steps below, MoneyGeek outlined how you can get and manage a homeowners insurance policy with Progressive.


Getting a quote

You can get a Progressive homeowners quote on their website, using their online tools such as Name Your Price and HomeQuote Explorer.

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Customer support

You can contact Progressive customer support 24/7 by phone at 1-888-671-4405. They also offer customer support services via their mobile app, live chat, mail and social media.


Filing a claim

You can file a claim by calling 1-800-776-4737 and Progressive will connect you with the appropriate company representatives who can assist you.


Canceling your policy

If you want to cancel your Progressive homeowners insurance policy, you can contact a representative to arrange for immediate cancellation or schedule cancellation for a later date.

Progressive Home Insurance Review: Service, Cost, & More (2022) (3)


Progressive homeowners insurance customers have various options for filing claims. You can file a claim by calling Proressive at 1-800-776-4737. Because your claim will ultimately be processed through a third-party underwriter, Progressive will then connect you with one of the underwriter representatives. If you have a Progressive online account, you can also file a claim there as well.

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Homeowners insurance from Progressive is widely available throughout the United States. You can purchase home insurance from Progressive in most states, except Arizona, Michigan, New Jersey and Texas.

How Much Does Progressive Homeowners Insurance Cost?

The average annual cost of Progressive homeowner’s insurance is $782 per year, significantly less than the national average cost of homeowner's insurance of $1,979.

However, the actual cost you pay will vary based on your specific profile. Insurance companies in your particular state will thoroughly examine your home's location, age and building type, among other critical considerations.

We recommend that you consult with a Progressive representative to calculate the cost of your homeowners insurance.

  • Dwelling Coverage

    Annual Premium

  • $250,000


  • $500,000


  • $750,000


When determining your home insurance premium, insurers factor in your location, the replacement cost of your home and personal property and your selected deductible.

Generally, $250,000 in dwelling coverage is sufficient, but the easiest method to determine how much home insurance you require is to estimate the worth of your property. You'll also need to establish limits for additional coverages, which affect your home insurance premium.

MoneyGeek's home insurance calculator can provide an estimate for you based on your desired coverage limits.

Progressive Home Insurance Review: Service, Cost, & More (2022) (5)

Progressive Home Insurance Review: Service, Cost, & More (2022) (6)

Home Insurance Calculator


(Video) Never Buy This Car Insurance


Dwelling Coverage






Progressive Home Insurance Review: Service, Cost, & More (2022) (7)

low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

Progressive Home Insurance Review: Service, Cost, & More (2022) (8)


(Video) Best Homeowners Insurance in Florida 2022 (Updated July 15, 2022)

While it may be enticing to choose lower coverage limits to save money on monthly premiums, you may end up spending more if you need to rebuild your home. To avoid financial difficulties in the future, we recommend including adequate coverage in your policy, even if it increases the cost of your monthly premium.

What Discounts Does Progressive Offer?

Progressive offers seven homeowner insurance discounts, which is equal to the industry average. However, the majority of these discounts are not commonly offered by other insurance companies.

  • Discount


  • Bundle

    When you combine your home and auto insurance with Progressive, you can save an average of 5%, with the savings applied on your auto policy. Additionally, you can save money by combining different policies, like home and motorbike, auto and boat or home and RV.

  • Protective Device

    You may be eligible for additional home insurance discounts if you install alarms, such as burglar and fire alarms. Additionally, discounts are offered for home safety measures such as automatic sprinklers, safety systems and cameras.

  • Early Payment

    You can request a quotation at least ten days prior to the start of your policy to lock in a reduced rate.

  • Home Buyer

    If you're acquiring a new house or transferring from an existing renters insurance policy, you may qualify for a home insurance discount. Your house does not have to be newly constructed to be eligible.

  • Paperless

    Simply request your policy documentation by email to qualify for this home insurance discount.

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With Progressive homeowners insurance, you may save an average of 5% when you bundle your home and auto insurance. Furthermore, you can save money by bundling multiple insurance policies, such as home and motorbike, auto and boat or home and recreational vehicle.

Which Coverage Types Does Progressive Offer?

Progressive offers five optional coverages, which are equal to the industry average. These coverages include back-up of sewer or drain, personal injury, flood, earthquake and sinkhole coverages.

One of their special coverages is back-up of sewer or drain, which covers your home and personal belongings in the event of water damage from a sump pump, drainage issues, sewer overflow or blockage. Moreover, Progressive offers a separate policy covering earthquake damage.

Progressive Home Insurance Review: Service, Cost, & More (2022) (10)


MoneyGeek also obtained quotes for the following coverage limits for the Progressive homeowners insurance review: $250,000, $500,000 and $750,000. Based on these quotes, the average cost of a policy with $250,000, $500,000 or $750,000 in dwelling coverage is $782, $952 and $1,219, respectively.

It is important to note that your coverage limits are often calculated by your insurer on the basis of provided information about your home, including its location, age and other considerations.

Progressive offers a variety of endorsements that can be added to your policy for added protection. You can use the table below to learn more about the different add-on coverage options and how they can benefit you.


Back-up of sewer or drain

It covers water damage to your house and personal belongings caused by a sump pump, drain or sewage overflow or backlog.


Personal injury

Personal injury insurance pays for your legal bills and additional losses incurred as a result of suits for slander or libel, suits brought against you for improper entrance and malicious prosecution, unjustified eviction, arrest, detention or incarceration without authority.



Progressive offers a separate policy for flood damage coverage.



Earthquake damage is also covered in a separate policy.



Sinkhole coverages

There is also a separate policy for sinkhole damage coverage.

It's always a good idea to compare homeowners insurance rates to ensure you are getting the best deal for your needs.

If you live in a region where coverage for earthquake, flood or pest damage is required, keep in mind that the majority of insurance policies exclude these coverages. However, you can get an endorsement to obtain protection.

It is important to keep in mind that the amount of insurance you require is situation-dependent. You may tailor your home insurance policy to meet your specific needs, but it must include at least these basic coverages.

What Online Homeowners Insurance Tools Does Progressive Offer?

Progressive provides a variety of solutions that make information easily accessible. While some features are restricted to policyholders, non-customers can access their online quote and comparison tools. Our guide discusses these in-depth below.

Other Progressive Insurance Products

Progressive also offers extra coverage options for homeowners with different needs, including auto insurance, health insurance, business insurance, life insurance and more. The majority of these can be purchased in bundles at a discounted rate.

  • Type of Product


  • Auto Insurance

    Progressive offers reasonably priced auto insurance coverages to protect you against almost everything, from collisions to windshield damage.

  • Health Insurance

    You may get medical, dentistry and vision insurance for your entire family via Progressive Health by eHealth, a registered insurance business. eHealth lets you obtain affordable health coverage by offering over 13,000 alternatives from 180+ companies.

  • Business Insurance

    Progressive also offers business insurance to its clients in order to protect them from certain liabilities and other business-related issues.

  • Life Insurance

    By purchasing life insurance, you can create a safety net for your family members. As long as your premiums are paid and the policy is active at the time of your death, your beneficiaries will get a death benefit payout that can be used for last expenses, debt repayment or even ordinary expenses.


To evaluate Progressive as a homeowners insurance company, MoneyGeek analyzed the Progressive website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About the Author

Progressive Home Insurance Review: Service, Cost, & More (2022) (11)

Progressive Home Insurance Review: Service, Cost, & More (2022) (12)

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

(Video) The 5 best Homeowners Insurance companies in Florida


Which home insurance company has the highest customer satisfaction? ›

Best Overall: USAA

It swept the competition in The Zebra's customer satisfaction survey, securing first place in every category. With nationwide availability and a decades-long history, USAA is trusted by many homeowners policyholders.

Is Progressive a reputable company? ›

Yes, Progressive is a good insurance company. Overall, WalletHub's editors give Progressive a rating of 4.3/5 due to its competitive rates, long list of discounts, and innovative use of technology to encourage price comparison and safe driving.

Why did my homeowners insurance go up 2022 Texas? ›

Insurance companies are increasing rates to make up for billions of dollars in losses due to worsening climate disasters, and surging inflation means homes require more dwelling coverage to pay for rebuild costs. The combination of these factors has resulted in some fairly drastic rate increases in 2022.

What is Progressive insurance AM Best rating? ›

A+ Superior

What is the most trusted insurance company? ›

  • USAA. 4.3. U.S. News Rating. USAA is the best insurance company in our ratings. ...
  • State Farm. 4.2. U.S. News Rating. ...
  • Farmers. 4.1. U.S. News Rating. ...
  • Nationwide. 4.1. U.S. News Rating. ...
  • Geico. 4.1. U.S. News Rating. ...
  • Allstate. 4.0. U.S. News Rating. ...
  • Travelers. 4.0. U.S. News Rating. ...
  • Progressive. 3.9. U.S. News Rating.
4 days ago

Which home insurance company has the lowest complaint index? ›

Relative to its size, Chubb also has the fewest customer complaints reported for home insurance based on data from the NAIC. The National Complaint Index from NAIC is a measurement of complaints made against an insurance company.

Does Progressive have hidden fees? ›

No hidden fees. Is Progressive Car Insurance Good?

Is Progressive good at paying claims? ›

Is Progressive good at paying claims? In the 2021 J.D. Power Auto Claims Satisfaction Study, Progressive scored 862 out of 1,000 points, which was lower than the industry average of 880. However, the company's high AM Best financial strength score indicates its ability to reliably pay out claims.

Who is Progressive Insurance biggest competitor? ›

State Farm is the number one auto insurance company in the country in terms of market share and premiums written, followed by Geico, Progressive and Allstate.

Is homeowners insurance increasing 2022? ›

As of January 2022, existing customers renewing their home or motor insurance will pay no more than new customers.

What are the 3 biggest factors in determining the cost for homeowners insurance? ›

Factors like where you live, your home's replacement cost, and your policy deductible generally affect your home insurance premiums the most.

Is insurance premium increase in 2022? ›

To summarise, every three in five Indians have experienced an increase of over 25% in health insurance premiums in 2022 after a sizable increase in 2021, with 38% witnessing a nearly 50% rise in their premiums.

Does Progressive raise rates after 6 months? ›

Yes, Progressive does raise rates after 6 months in some cases. If you're a new Progressive customer, you'll see your auto insurance premium go up after your first 6-month policy period if you file a claim or traffic violations get added to your driving record during that time.

How much is the good grade discount with Progressive? ›

Good student discount

In most states, you'll get around a 10% discount *Read the associated disclosure for this claim. on your Progressive auto policy if your child is a full-time student, under the age of 23, and has a B average or better.

Who is Progressive home insurance underwritten by? ›

Who underwrites Progressive's home insurance policies? The insurance policies are underwritten by a variety of partners, including American Strategic Insurance (ASI).

Who is the top five insurance company? ›

State Farm is the number one auto insurer in the U.S., followed by Geico, Progressive, Allstate and USAA. State Farm has a market share of 16% for car insurance, and the company sells policies online as well as through agents across the country.

What is the most popular insurance plan? ›

Preferred provider organization (PPO) plans

The preferred provider organization (PPO) plan is the most common insurance coverage plan offered by employers.

Who is the number 1 insurance company in the world? ›

Ping An Insurance Group

Can you negotiate home insurance rates? ›

You cannot negotiate your homeowners insurance quote, but you can lower the amount you pay by taking a variety of steps—maintaining a good credit score, paying in full, installing protective devices, researching discounts, and more.

How do I know if my insurance agent is good? ›

The most important quality that makes a good insurance agent or broker is commitment. It is imperative that the insurance agent is committed and in it for the long haul. Indeed, it can be a frustrating episode if it is different persons serving you when you sign your policies and when you make claims.

How do I choose the right home insurance? ›

When choosing a homeowners insurance company, look for one that:
  1. provides coverage in your area.
  2. has competitive rates and good discounts.
  3. has a good financial strength rating.
  4. has good reviews from professional sources and customers.
  5. offers 24/7 assistance through its website, live operators, or a local agent.
21 Apr 2022

Does Progressive waive deductible? ›

If you go a set amount of time without a claim or violation your deductible amount will decrease or be waived. Voice Over: Progressive offers disappearing deductibles for car, RV, motorcycle, and boat policies.

Is Progressive or Geico better? ›

Geico tends to offer lower rates for most policyholders and has slightly higher customer satisfaction scores. On the other hand, Progressive has great options for high-risk drivers and more widely available usage-based insurance. We recommend comparing rates from both when you shop.

How much does Progressive go up after claim? ›

Without accident forgiveness, your rate increase after an accident may vary. According to Progressive countrywide data, one at-fault accident can raise your rates by up to 28% on average.

Why would Progressive deny a claim? ›

If there is any indication that their policyholder isn't responsible the insurer will deny your claim. Claims may also be denied if there's evidence to show that the policyholder isn't entirely to blame for an accident. In California, anyone who contributes to an accident can be held responsible for resulting injuries.

How long does Progressive take to review a claim? ›

We resolve many property damage claims within 7 to 14 days, but repair times can vary greatly based on your vehicle, the damage, etc. No matter what, we'll work quickly and efficiently so you can get back to your normal routine.

Does Progressive give fair settlements? ›

Filing suit basically tells Progressive that if they do not offer you a fair settlement, you will take them to court. Since they want to avoid this, Progressive's offers become far more reasonable once a lawsuit exists.
Maryland Progressive Auto Insurance Claims.
Medical BillsOffer
16 more rows

What are America's Top 10 2022 insurance? ›

Joining Nationwide in recognition across five categories are Alfa Insurance, Allstate, American Family Insurance, Erie Insurance, Farm Bureau Insurance, Liberty Mutual, Progressive, State Farm and USAA.

Who is the leading insurance company in the US? ›

State Farm Group

Does Allstate own Progressive? ›

No, Progressive and Allstate are separate companies. The Progressive Corporation and The Allstate Corporation are both independent, publicly held companies.

Why has my home insurance gone up so much? ›

Increasing number of claims

And insurers tell us the market is hardening, which means that not only premiums are increasing but also some insurers are less willing to take on some risks. They can see that both the frequency and size of claims has been increasing.

Why is home insurance increased so much? ›

Sky-high inflation is one of the main culprits behind the increase in premiums. Home insurance coverage is based on the cost to rebuild your home, and that may have gone up drastically as the price of many building materials has risen and supply chain issues have made the building process more expensive.

Is it normal for home insurance to increase every year? ›

In most cases, the premium of your home insurance will increase each year. Premiums often increase to keep up with inflation and the age of your home. If you submitted a claim against your policy, this could also impact your insurance score and home insurance premium.

What are 5 ways to reduce homeowners insurance costs? ›

  • Shop around.
  • Raise your deductible.
  • Don't confuse what you paid for your house with rebuilding costs.
  • Buy your home and auto policies from the same insurer.
  • Make your home more disaster resistant.
  • Improve your home security.
  • Seek out other discounts.
  • Maintain a good credit record.

What is the 80% rule in insurance? ›

The 80% rule means that an insurer will only fully cover the cost of damage to a house if the owner has purchased insurance coverage equal to at least 80% of the house's total replacement value.

What are 3 ways you can lower the cost of your homeowner's insurance? ›

Knowing what type of coverage you need is critical and should include dwelling, personal property and loss-of-use coverage. To cut costs, you can hike your deductible, get discounts on home upgrades and shop around every few years.

What is the premium rate for this year 2022? ›

This represents a premium decrease from a Schedule 1 average rate of $1.37 on every $100 of insurable payroll in 2020 and 2021, to an average of $1.30 in 2022.

Why are insurance premiums increasing so much? ›

From the 2020 bushfires to the floods in 2022 across NSW and QLD, we've been hit by multiple catastrophes in recent years. These catastrophic events impact the amount of claims activity, which in turn has resulted in an increase in your premiums for certain types of cover.

Why did insurance premiums increase so much? ›

Let's look at reasons why your car insurance premium may increase over the years. These may include having filed a new claim or having had a traffic violation added to your driving history, adding or changing a vehicle, adding or changing a driver and increasing the amount of your coverage.

Does Progressive have a high turnover rate? ›

Plus, our 8% voluntary turnover rate, in this job market, is further proof that a strong culture that includes development and career opportunities produces better business results.

Can insurance raise your rate for no reason? ›

It's also possible for your car insurance to go up without any changes to your driving history or policy. If it looks like your rates have gone up for no reason, it may be because the company had to pay out a lot of insurance claims at once (like after a hurricane) or because things are just generally more expensive.

Does Progressive raise rates after a year? ›

If you qualify, we won't increase your rate because you had an accident — even if it's your fault. The longer you're with Progressive, the better the Accident Forgiveness benefit. Small accident forgiveness: Your rate won't go up if you have a small claim of $500 or less.

Does Progressive have a good reputation? ›

Progressive is rated 4.3/5 by WalletHub's editors, based on sample quotes, reviews from customers, and ratings from the Better Business Bureau (BBB) and J.D. Power. Progressive customer reviews highlight the company's low prices, but they also describe poor customer service experiences and lackluster coverage at times.

Does Progressive have a good rating? ›

Complaints and customer satisfaction

Progressive was rated below average for consumer satisfaction with auto insurance claims and shopping in 2021 J.D. Power studies. No. 7 out of 8 companies.

What is gold level Progressive? ›

Silver: 6 months (any company) Gold: 1-3 years (any company) Platinum I: 3-5 years (any company) Platinum II: More than 5 years (any company) Diamond: More than 5 years (specifically with Progressive)

Which insurance company has the highest customer satisfaction? ›

U.S. News Rating

USAA is the best insurance company in our ratings. According to our 2022 survey, USAA customers report the highest level of customer satisfaction and are most likely to renew their policies and recommend USAA to other drivers.

Who is best home insurer in UK? ›

Best Home Insurance Companies in the UK 2022
  1. Admiral. Family legal protection. ...
  2. Alan Boswell. 'All risk' coverage. ...
  3. Homeprotect. New-for-old cover. ...
  4. The AA. 24/7 legal helpline. ...
  5. MoreThan. Up to £200 home emergency assistance. ...
  6. Swinton. Cover for high-value properties (over £500,000) ...
  7. John Lewis Finance. ...
  8. Aviva.

Whats the best home insurance company in UK? ›

Here are the top-performing brands when it comes to customer service, according to the comparison website.
  • Tesco Bank. Customer satisfaction rating: 4.5 stars. ...
  • Direct Line. Customer satisfaction rating: 4.5 stars. ...
  • Aviva. Customer satisfaction rating: 4.5 stars. ...
  • AXA. ...
  • Admiral. ...
  • Churchill. ...
  • More Than. ...
  • Endsleigh.
3 Oct 2022

What is the average home insurance cost UK? ›

On average, a typical UK home is worth around £230,000 and contains some £35,000 worth of goods – which is what makes home insurance so important. The average cost of it isn't huge (between £146 and £152 per year) but the cost of not having it can be disastrous.

Is it OK to switch home insurance companies? ›

Yes. You have the right to switch your homeowners insurance at any time. If you're in the market for a home, you'll want to start shopping for home insurance before you purchase a house. That's because most mortgage lenders require you to buy some type of homeowners coverage before closing.

Is home insurance cheaper if you are older? ›

Is home insurance cheaper if you're over 50? Home insurance can be cheaper for over 50s. In general, this is because insurance providers consider older people to be lower risk as they're less likely to make a claim. And when they do claim, it's often for smaller amounts.

Should I shop around for house insurance? ›

You should also shop your homeowner insurance every year or two. While that's totally counterproductive, and there is equity in a customer keeping the same carrier for many years, you may find your carrier wants to keep a good customer and will reward him or her with a lower rate.

Where can I get good homeowners insurance? ›

Chubb, Hippo, Nationwide, NJM and USAA earned the highest ratings in NerdWallet's homeowners insurance company analysis. Compare top-rated companies now. Many or all of the products featured here are from our partners who compensate us.

Who is progressive owned by? ›

Progressive is owned by its shareholders, as it is a publicly-traded company. The biggest shareholders are The Vanguard Group, BlackRock Fund Advisors, and Wellington Management, which have a combined ownership stake of almost 20%, according to public records, as of Q1 2021.

What insurance sells the most? ›

According to a 2021 NAIC report, Northwestern Mutual, New York Life, Metropolitan, and Prudential are the four largest life insurance companies in the United States, all together holding 31.09% of the market.

What is the most popular insurance company in the US? ›

The Largest Auto Insurance Companies
RankAuto insurance companyMarket share %
1State Farm16.73
4Geico (Berkshire Hathaway Inc.9.49
32 more rows
4 Feb 2022

What is a Tier 1 insurance company? ›

Tier 1 usually includes a select network of providers that have agreed to provide services at a lower cost for you and your covered family members. Tier 2 provides you the option to choose a provider from the larger network of contracted PPO providers, but you may pay more out-of-pocket costs.

Who is State Farm owned by? ›

State Farm is a mutual company, which means that the company is owned collectively by State Farm policyholders, and not by shareholders.


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