Progressive Homeowners Insurance Review

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Third-party providers can offer Progressive home insurance policies. You may be eligible for an auto discount if you have Progressive car insurance. You may prefer to purchase homeowners insurance direct.

Progressive home insurance

Progressive acts as an agent and matches consumers to a home insurance company through Progressive Advantage Agency. Depending on the method you use to purchase your policy, which affiliate you choose depends on whether you do so online, by phone, or through an agent. Affiliates include insurance companies like National General Insurance, Nationwide and American Strategic Insurance Corp (ASI), a Progressive subsidiary.

Online, phone or via portal you can request a quote and buy a policy. Your policy will be issued by another company and your claims will be handled through Progressive.

Depending on the location and insurance company, optional coverages might be available. These could include:

  • Water backup coverage to cover water damage caused by a backed up sump pump, sewer system, or other source.
  • Personal injury coverage pays for legal fees and damages resulting from slander or libel, false arrests, detentions, imprisonment, or wrongful evictions.
  • Extended replacement cost coverage can provide up to a 25% to 50% increase to your dwelling coverage. If your home is damaged in an accident, this coverage will pay to replace it with new materials or appliances.
  • You can get additional valuables coverage for more expensive items such as jewelry and art.
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Progressive home insurance discounts

If you already have car insurance and purchase a Progressive homeowners policy, you could get a discount on your auto policy. You may be eligible for additional discounts depending on which Progressive match you with.

You could get discounts for:

  • Safety devices and alarm systems in homes
  • Get a quote at the least 10 days before your policy starts.
  • You must pay your premium in full.
  • Electronic receipt of policy documents
  • New homes

A single deductible is available to car insurance customers who buy a homeowners policy through ASI. One deductible covers both your home and car if they are both damaged by the same accident.

After a claim, you might be able to get a discount on repairs if you hire a contractor through Progressive’s contractor network.

Guide to buying homeowner’s insurance

Before you begin comparing quotes, determine how much coverage you require for your home. Do you need additional insurance to cover things like identity theft and sewer backups? Make sure you check to see if the company you are considering offers the options that you require.

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Take a look at your personal property to ensure that you have enough coverage. What would it cost to replace them? All furniture, electronics, and household items should be included. This is the minimum amount you need for personal property insurance.

Compare rates from different insurers to ensure they offer the same deductibles and limits. While it might be tempting to pick the cheapest policy, you should also consider how many complaints each insurer has. If you have to file a claim, poor customer service can make a big difference in your experience.

You can get home insurance quotes online, over the phone or through an agent.

Learn more about Progressive

Website: Progressive’s website allows you to obtain a quote or purchase a homeowners insurance policy using Progressive’s HomeQuote Explorer. You will also find FAQs and educational articles on the site.

FAQ about Progressive Home Insurance

Progressive offers mobile home insurance

Progressive’s mobile insurance can be purchased through third-party providers, just like homeowners insurance. You may be eligible to add trip collision coverage depending on the insurer you choose. This covers you if your mobile house is damaged in transit. Learn more about manufactured and mobile home insurance.

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Is Progressive home insurance able to cover water damage?

It all depends on the extent of the damage. If a pipe bursts, causing damage to your carpets and drywall, it would be covered as it was an accidental event that occurred within your home. However, if there is a slow leak you haven’t fixed yet, it would not be covered. Flooding from an outside source like a river that has overflowed its banks, would not be covered. For that, you’ll need separate flood insurance.

You may be eligible to add water backup coverage depending on which Progressive third-party insurance you are matched with. This covers you if your sump pump stops working or your sewer line becomes blocked.

Progressive uses homeowners insurance to insure?

Progressive Advantage Agency partners with more than a dozen companies to offer different types of home insurance. These include National General, Homesite, and Nationwide.