Progressive Home Insurance Review 2020

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Progressive makes home insurance easy with a user-friendly website and impressive online tools—but the company operates as a broker, not a direct insurer.

Your home is likely your most valuable asset and the largest purchase you will ever make. With that kind of commitment, you should protect your home with a home insurance policy.

It can be confusing to choose the best home insurance company, as providers often differ in coverage, customer service, availability, and more. To alleviate those concerns, The This Old House Reviews team has created a comprehensive Progressive home insurance review to help you determine whether purchasing homeowners insurance through this company is the right option for you.

To get home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Progressive Insurance Cost?
  • Discounts
  • Reviews of Progressive Insurance
  • Our Conclusion
  • Frequently Asked Questions
  • Company Information
  • Methodology

Our Take

Progressive is best known as one of the largest auto insurance companies in the country, but it also offers home insurance. The company offers extensive, user-friendly online tools to help homeowners calculate costs, including the HomeQuote Explorer tool and Name Your Price tool.

The company provides basic coverage and a series of discounts in all 50 states. However, like some other large auto insurers, Progressive acts as a broker. Customers with Progressive homeowners insurance policies will have to work with third-party companies to handle claims, which may pose an inconvenience to some. This contributed to Progressive’s overall score of 89.90 out of 100. On Progressive’s Better Business Bureau profile, complaints often relate to the poor handling of claims.

Pros & Cons

Compare advantages and disadvantages of Progressive homeowners insurance.


Progressive offers all of the basic home insurance coverage, consistent with the industry standard.

The company offers very few add-ons, and these might vary depending on the individual partner.

Progressive offers the Single-Deductible Benefit for customers who bundle their auto and home insurance policies. If both your home and car are damaged in the same event, you will only pay one deductible.


Progressive offers home insurance in all 50 states through its various partners.

How Much Does Progressive Home Insurance Cost?

The exact cost of Progressive homeowners insurance depends on a variety of factors, including your property value, size, and materials, the location you live in, the coverage limits you select, the insurance deductible you choose, and more.

Because Progressive is a broker, the costs might vary from partner to partner.

To make finding quotes easy, Progressive offers the HomeQuote Explorer tool, which allows customers to compare Progressive’s quotes to its competitors’ quotes. The Name Your Price tool allows prospective customers to indicate how much they wish to pay, and Progressive shares any coverage options that fit that desired price.


Progressive offers a wide variety of discounts to lower the cost of your homeowners insurance policy.

Reviews of Progressive Home Insurance

Progressive is not accredited by the Better Business Bureau but holds an A+ rating from the organization. However, the company only holds 1 out of 5 stars from customer ratings. Here’s what some people had to say about their experience with Progressive.

Rena B. said:

“I know insurance companies often get a bad rap. I want to share my story because I am just so grateful to the team at Progressive I’ve been working with, especially my claims agent. The day I put my claim in, she called back within a half hour. She called again the very next day. She got an adjuster out to me the VERY next day I arrived home. Outstanding customer service so far in regards to a situation that would have left my family and me heartbroken otherwise. Well done.”

Lena said:

“I have had auto insurance through Progressive for 20-years, and homeowners insurance through the company they own, ASI, for 2…I had a pipe break in my bathroom. I ended up being displaced for six months! I was never able to contact the claims adjuster. I had to make a call to the main number to get any information on my claim. Even when including his supervisor in my communication I would still not receive communication for weeks. They ended up not covering damage to personal items, and provided zero communication about it. They made a very stressful situation so much worse!!!”


See how Progressive stacks up against some of its top competitors on key metrics.

*Lemonade home insurance is not available in AK, AL, AR, DE, FL, HI, ID, KS, KY, LA, ME, MN. MY, NE, NH, NM, NC, ND, RI, SC, SD, UT, VT, WA, WV

Our Conclusion

Progressive is a well-known company with strong financial backing. Its homeowners insurance offerings encompass basic coverage and only a few add-ons, but there are many different discount opportunities available.

However, Progressive is a broker and does not provide insurance to homeowners directly. This adds a layer of complexity to customer service communication and means that costs and coverage might vary from partner to partner. This lowered Progressive’s overall score slightly to 89.80 out of 100.

In order to find the home insurance policy that is right for you, we recommend getting quotes from multiple providers in your area by calling 855-948-5219 or entering your zip code in the tool below:

Frequently Asked Questions

Who underwrites Progressive’s home insurance policies?

The insurance policies are underwritten by a variety of partners, including American Strategic Insurance (ASI).

Does Progressive have homeowners insurance?

Progressive offers homeowners insurance as a broker working with third-party companies to provide basic coverage and add-ons.

Does Progressive have online quote tools?

Progressive has several user-friendly online tools to help customers find quotes, including the comparison tool HomeQuote Explorer and Name Your Price.

Company Information

  • Company name: Progressive
  • Company type: Public
  • CEO: Tricia Griffith
  • Year founded: 1937
  • Headquarters: 6300 Wilson Mills Rd., Mayfield Village, OH 44143
  • State availability: 50
  • BBB rating: A-

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at

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