- Progressive Homeowners Insurance Overview: Progressive offers homeowners coverage that depends on whether policies are underwritten by its subsidiary ASI or third-party partners, affecting coverage, claims, and prices.
- Pros of Progressive Homeowners Insurance: Key benefits include a unique single deductible benefit for bundlers, above-average claims satisfaction, nationwide availability, strong financial backing, and substantial discounts like the new home discount up to 68%.
- Cons of Progressive Homeowners Insurance: Challenges involve a confusing underwriter model, basic coverage options, above-average complaint rates, limited availability in some states, and the discontinuation of dwelling fire policies.
- Coverage and Discount Options: Standard coverage includes six basic categories with some add-ons, while discounts like bundling, new home discounts, and flood insurance through NFIP can save customers money.
- Customer Experience and Financial Strength: While financially robust with an A+ rating, customer satisfaction is mixed due to unclear policy underwriters, inconsistent pricing, and higher complaint rates, making it ideal mainly for existing auto customers seeking bundle discounts.
Progressive Home Insurance Overview
Progressive is one of the most recognized names in insurance, but most of that recognition comes from auto insurance. On the homeowner’s side, the picture is more complicated. Progressive does not always write homeowners’ policies directly. In some states, your “Progressive” homeowners policy is actually underwritten by American Strategic Insurance (ASI), a Progressive subsidiary. In other states, Progressive acts as an agency and matches you with a third-party insurer like Homesite or another partner carrier.
This matters because your claims experience, coverage options, and even pricing depend on which company actually writes your policy. If you get a Progressive-branded policy through ASI, you are dealing with a company backed by Progressive’s A+ financial strength rating. If you are matched with a third-party partner, your experience may be very different.
The product itself is relatively basic. Progressive’s homeowners coverage includes the standard six coverage types, a handful of add-ons, and eight discounts. The standout feature is the single deductible benefit for customers who bundle home and auto: if one event damages both your home and car, you only pay one deductible. Beyond that, Progressive’s homeowners product does not have much that distinguishes it from competitors.
Pros and Cons
Pros
- Single deductible benefit: If you bundle home and auto with Progressive/ASI and one event damages both, you only pay one deductible. This is a unique perk that few competitors offer.
- Above-average claims score: J.D. Power gave Progressive a 697/1,000 in the 2025 Property Claims Satisfaction Study, above the industry average of 682.
- Available nationwide: You can get a homeowners’ quote in all 50 states plus D.C., though the actual insurer may vary.
- Strong financial backing: AM Best A+ (Superior). Progressive is a massive company with the resources to pay claims.
- New home discount up to 68%: If you are buying a new home, Progressive’s discount is one of the largest in the industry.
- High trust and renewal: 89% of customers trust Progressive, and 93% plan to renew their policy (Insurance.com survey).
Cons
- Confusing underwriter model: Your policy might be written by ASI (Progressive’s subsidiary) or by a third-party partner like Homesite. The experience varies depending on which company actually writes your policy, and it is not always clear upfront.
- Basic coverage: Few add-on options compared to competitors like Farmers, Liberty Mutual, or Allstate. Progressive’s homeowners product is relatively no-frills.
- Above-average NAIC complaint rate: ~1.50 for homeowners, above the baseline of 1.0. The highest among companies in our survey, according to some sources.
- Limiting new policies in some states: Progressive has pulled back on new homeowners’ policies in Florida, Texas, and some Midwestern states due to weather risk.
- No longer offers dwelling fire insurance: As of late 2024, Progressive stopped selling dwelling fire policies, which landlords often used for non-primary residences.
Coverage Options
Standard Coverage
Progressive’s homeowners policy (underwritten by ASI) covers the standard six categories:
Coverage Type | What It Covers | Notable Details |
Dwelling (A) | Your home’s structure, roof, walls, and attached structures | Standard limits; extended replacement cost available |
Other Structures (B) | Detached garages, sheds, fences | Typically, 10% of dwelling coverage |
Personal Property (C) | Furniture, electronics, clothing, belongings | Replacement cost endorsement available |
Loss of Use (D) | Additional living expenses if the home is uninhabitable | Hotel, meals, temporary housing during repairs |
Personal Liability (E) | Lawsuits for bodily injury or property damage | Standard limits; higher limits available |
Medical Payments (F) | Medical bills for guests injured on your property | No-fault coverage |
Add-Ons and Endorsements
Progressive’s add-on menu is shorter than most competitors:
- Water backup/sewer overflow: Covers damage from sewer backups and sump pump failures.
- Personal injury coverage: Extends liability coverage to include claims like libel, slander, and invasion of privacy.
- Scheduled personal property: Covers high-value items like jewelry, art, and collectibles at appraised value.
- Equipment breakdown: Covers mechanical and electrical breakdown of home systems and appliances.
- Service line coverage: Covers underground utility lines.
- Ordinance or law: Pays extra costs to bring your home up to current building codes during repairs.
- Flood insurance: ASI is a Write Your Own (WYO) provider through the NFIP, so you can purchase flood insurance directly through Progressive.
That is a functional list, but it lacks the creative add-ons you will find at Farmers (Eco-Rebuild, emergency mortgage assistance), Liberty Mutual (inflation protection, blanket jewelry, loss forgiveness), or Amica (Platinum Choice HO-5).
What’s Not Covered
Standard exclusions: flood (separate NFIP policy available through ASI), earthquake, normal wear and tear, pest damage, and intentional damage. Progressive no longer offers dwelling fire insurance for non-primary residences.
Discounts and Savings
Progressive offers eight homeowners’ insurance discounts:
Discount | Estimated Savings | Details |
Multi-policy bundling | ~$1,000+/year | Bundle home + auto for the biggest savings; Progressive says bundlers save over $1,000 on average |
New home / new purchase | Up to 68% | The largest single discount applies when buying a new home, not just new construction |
New construction | Varies | Savings based on how recently the home was built |
Home security/alarms | Varies | Burglar alarm, fire alarm, security system, or camera |
Quote in advance | Varies | Quote at least 10 days before your policy start date |
Paperless / e-documents | Varies | Receive policy documents by email |
Pay in full | Varies | Pay your annual premium upfront |
FL wind mitigation | Varies | Florida residents with certified roofs and wind mitigation features |
The single deductible benefit: This is not technically a discount, but it is Progressive’s most unique homeowners perk. If you bundle home and auto and one event (like a hailstorm) damages both your house and your car, you only pay one deductible instead of two. This is available when both policies are underwritten by ASI/Progressive, not when the homeowners’ policy is with a third-party partner.
Claims Experience
What the Data Says
Progressive’s claims picture is a mixed bag:
- J.D. Power 2025 Property Claims Satisfaction: 697/1,000, above the industry average of 682. This is a decent score that puts Progressive in the upper half.
- NAIC Complaint Index: ~1.50 for homeowners, above the industry baseline of 1.0. The highest complaint rate among companies is in some surveys.
- Insure.com customer survey: Only 65% of Progressive customers rated claims handling favorably. That is well below competitors like Erie (100%), Amica (95.7%), and Farmers (83.6%).
- Trust and renewal: 89% of customers trust Progressive, and 93% plan to renew (Insurance.com survey). Strong retention despite the complaints.
The gap between the J.D. Power score (above average) and the customer survey data (below average) is unusual. One possible explanation: the J.D. Power study only surveys customers who actually filed claims, while the Insure.com survey captures broader sentiment, including people frustrated by rate increases and policy changes. The NAIC complaint index supports the idea that customer dissatisfaction is real but concentrated among a subset of policyholders.
How to File a Claim
Claims filing depends on your underwriter:
- Online at progressive.com (for ASI-underwritten policies)
- Through the Progressive mobile app
- By calling 1-800-274-4499
- If your policy is with a third-party partner (like Homesite), you may need to file directly with that company.
Customer Service and Digital Experience
The Underwriter Confusion
The biggest customer service issue with Progressive homeowners’ insurance is clarity. When you get a quote, your policy might be written by ASI (Progressive’s subsidiary) or by a third-party insurer. Customer reviews frequently mention confusion about who is actually insuring their home, particularly when they need to file a claim or make a policy change.
If your policy is with ASI, you deal with Progressive directly. If your policy is with a partner like Homesite, you may need to contact that company separately for claims. Reddit comments about Progressive homeowners tend to be negative when Homesite is the underwriter.
Digital Experience
Progressive is known for technology innovation in auto insurance (Snapshot, Name Your Price, etc.), but the homeowners’ digital experience does not match that level. The quoting process can redirect you to partner insurers, and the app experience for homeowners is not as polished as the auto side. Progressive scored 79% for ease of service in the Insure.com survey, which is average.
Financial Strength
Progressive’s financial position is very strong:
- AM Best: A+ (Superior) for the Progressive Home pool (including ASI).
- S&P: AA rating.
- Moody’s: Aa2 rating.
- Parent company: The Progressive Corporation (NYSE: PGR), one of the largest auto and P&C insurers in the U.S.
- ASI (American Strategic Insurance) is the 10th-largest homeowners insurance carrier in the U.S. by market share.
- Progressive’s total revenue exceeded $60 billion in 2024, driven primarily by auto insurance.
What this means for you: The financial backing is not in question. Progressive and ASI have the resources to pay claims. The concern is not financial stability but rather the customer experience and the confusing multi-underwriter model.
Who Is Progressive Good For?
Best For
- Existing Progressive auto customers: The bundling discount (avg. $1,000+ in savings) and single deductible benefit make Progressive homeowners insurance most compelling for people who already have Progressive auto.
- New home buyers: The new home discount of up to 68% is the largest in the industry and can make Progressive very competitive for first-time buyers.
- Homeowners who want NFIP flood insurance through one carrier: ASI is a Write Your Own provider for federal flood insurance.
Not Ideal For
- Homeowners who want transparency: The multi-underwriter model means you may not know who is actually writing your policy until you get a quote. If clarity matters to you, stick with direct writers like State Farm, Amica, or USAA.
- Coverage customization seekers: Progressive’s add-on menu is basic compared to Farmers, Liberty Mutual, and Allstate.
- Price-sensitive shoppers: Unless you qualify for major discounts (new home, bundling), Progressive’s pricing can be above average.
- Homeowners in FL, TX, or Midwestern states: Progressive has been pulling back on new policies in these areas.
- Landlords: Progressive stopped selling dwelling fire insurance in late 2024.
How to Get a Quote
Progressive offers several ways to get a homeowners insurance quote:
- Online at progressive.com (may redirect to a partner insurer depending on your state)
- By calling 1-855-347-3939
- Through an independent insurance agent
Important: When you get a quote, check which company will actually underwrite your policy. If it is ASI, you are covered by Progressive’s subsidiary. If it is Homesite or another partner, read reviews for that specific company before committing.
How Progressive Compares
Progressive | Allstate | Liberty Mutual | |
Overall Rating | 3.0 / 5 | 3.5 / 5 | 3.5 / 5 |
Avg. Annual Premium | ~$2,170–$2,574 | ~$2,321 | ~$1,229–$1,340 |
AM Best Rating | A+ (Superior) | A+ (Superior) | A (Excellent) |
J.D. Power Claims | 697 / 1,000 | Not ranked | 707 / 1,000 |
NAIC Complaint Index | ~1.50 | ~1.0 | 2.86 |
Discount Options | 8 | 9+ | 11+ |
States Available | All 50 + D.C. | All 50 + D.C. | 49 + D.C. |
Best For | Auto bundlers | Customization | Discount stacking |
Progressive vs. Allstate
Allstate offers better coverage customization (Digital Locker, QuickFoto Claim, more add-ons), a simpler underwriter model (Allstate writes its own policies), and a lower NAIC complaint index. Progressive has a higher J.D. Power claims score (697 vs. not ranked) and the single deductible benefit for bundlers. If you are already a Progressive auto customer, bundling makes sense. Otherwise, Allstate is the stronger homeowners product.
Progressive vs. Liberty Mutual
Liberty Mutual is significantly cheaper on average, offers more discounts (11+ vs. 8), and has a more straightforward underwriter model. But Liberty Mutual’s NAIC complaint index (2.86) is worse than Progressive’s (~1.50), and its J.D. Power claims score (707) is only slightly higher. For homeowners focused on price and discounts, Liberty Mutual is the better choice. For existing Progressive auto customers, Progressive’s bundling perks may tip the scales.
Final Verdict
Progressive earns a 3.0 out of 5 in our review. The financial strength is there (AM Best A+), the J.D. Power claims score (697) is above average, and the single deductible benefit for bundlers is a genuinely useful perk. The new home discount of up to 68% can make Progressive very competitive for first-time buyers.
But the homeowner’s product has real weaknesses. The multi-underwriter model creates confusion. Pricing is inconsistent and hard to predict. Coverage options are basic compared to competitors. The NAIC complaint rate is above average, and customer satisfaction surveys are mixed. Progressive is a much stronger auto insurer than it is a homeowners insurer.
Progressive homeowners insurance makes the most sense if you already have Progressive auto and want bundling savings. For standalone homeowners coverage, Amica, USAA (if eligible), Erie (if in their territory), and State Farm all offer better overall packages.
Our Methodology
This review uses a weighted scoring system: coverage options (25%), pricing and value (20%), claims experience (20%), customer service (15%), discounts and savings (10%), and digital experience (10%).
Frequently Asked Questions
Answers to your questions about Progressive home insurance.
Progressive’s homeowners’ insurance is average. The J.D. Power claims score (697/1,000) is above average, and the financial backing (AM Best A+) is strong. But the confusing multi-underwriter model, inconsistent pricing, basic coverage options, and above-average NAIC complaint rate hold it back. Progressive homeowners works best as a bundling partner for existing Progressive auto customers. As a standalone homeowners’ product, there are better options.
Progressive is one of the largest insurance companies in the United States, publicly traded on the NYSE (ticker: PGR), with over $60 billion in annual revenue. The homeowners’ line is underwritten primarily by American Strategic Insurance (ASI), a Progressive subsidiary that is the 10th-largest homeowners carrier in the U.S. AM Best rates the Progressive Home pool A+ (Superior). Progressive has been in business since 1937. It is a legitimate, financially strong company.
It depends on your state. In many states, your policy is underwritten by American Strategic Insurance (ASI), a subsidiary of Progressive. In other states, Progressive acts as an agency and places your policy with a third-party insurer like Homesite. When you get a quote, check the declarations page to see which company is actually providing your coverage. The experience can vary significantly depending on the underwriter.
If you bundle your home and auto insurance with Progressive/ASI and one event (like a hailstorm or fallen tree) damages both your house and your car, you only pay one deductible instead of two. For example, if your homeowners’ deductible is $1,000 and your auto deductible is $500, you would pay just $1,000 total rather than $1,500. This benefit is available when both policies are with ASI/Progressive, not when your homeowners policy is placed with a third-party partner.
Yes. ASI (Progressive’s homeowners subsidiary) is a Write Your Own (WYO) provider for the National Flood Insurance Program (NFIP). This means you can purchase a federal flood insurance policy directly through Progressive, which is convenient if you want flood coverage from the same company as your homeowners policy.
Progressive has limited new homeowners policy writing in Florida, Texas, and some Midwestern states due to weather-related risk. Existing policies are still being serviced, but getting a new Progressive homeowners policy in these states may be difficult. Progressive also stopped selling dwelling fire insurance (used by landlords for rental properties) as of late 2024.
