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Progressive Review

Sunday, February 16th

2025 Home Insurance Company Reviews

Progressive Review 2 Star Rating

Progressive

2 Star Rating
  • Free online quotes
  • Bundle and save
  • List of ways to get a lower premium
  • "A” Better Business Bureau rating

Based on their name, it's no surprise that one of Progressive's main goals is progress. They boast that their unparalleled coverage and unwavering care help their customers make progress whether it be on the road, in the home, or in business. Progressive was founded in 1937 and has grown to have 27.4 million policies in force. Also, we're not here to judge who makes the best insurance commercials, but if we had to vote, then Progressive would take the cake. If you have some down time, do a quick search to watch all their Dr. Rick commercials and they'll have you rolling with laughter.

All you need from the website

Progressive offers protection for your home and personal property in addition to liability coverage in the event that you're responsible for another person's injury or damage to their property. The standard coverages include dwelling, loss of use, liability, and personal property. If you want to go beyond the basics, you can consider adding water backup and sump discharge or overflow coverage, and personal injury. Progressive has a list of "perils” you're protected against like fire or lightning, smoke, theft, volcanic eruption, vandalism, damage from falling trees, and more. What they don't cover is floods, earthquakes, landslides, or sinkholes and we don't see any options for adding this coverage on.

Fast online quote

If you want a good overview of what Progressive offers and an explanation of some of the terms involved, their website does a good job of simplifying it all for you to breeze through. From Progressive's website you can also make payments, report claims, and get a free quote. As soon as you add your address, Progressive will pull up the details it found that already exist online about your home. This really speeds up the process. Next you'll provide updated details about the interior and exterior to make sure Progressive has a good idea of what matters when it comes to covering your home in a disaster.

Buy online or through an agent

Our quote was a lot lower than what we've received from some other companies. However, the coverage wasn't as great. For example, we only were going to get about ⅓ of what it would actually cost to rebuild our home. To be fair, at the end of the quote questionnaire we did indicate that a lower price was more important to us than extensive coverage. We could either buy this policy right from Progressive's website, or call one of their representatives and do it over the phone. In our case, we'd prefer to work with an agent at this point to see what the cost would be to adjust our policy to include more coverage. Most likely some tweaks could be made for most people to make sure they are happy with their price and they aren't under-insured.

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Ways to lower your premium

If you decide to get auto insurance on top of your homeowners insurance with Progressive, they say you'll save an average of 7% on auto. Other ways you might get a lower premium are if you have safety and alarm systems installed on your property, if you're purchasing a home or switching over from renters insurance, receiving home insurance documents by email instead of paper, having a brand new home, paying the 12-month policy upfront, and more. These things will likely be calculated into your online quote as you go.

Rampant disappointment

Despite their "A” rating from the Better Business Bureau, comprehensive website, fast and easy quotes, and competitive pricing, it seems that Progressive is not as great as they appear. Based on nearly 1,000 reviews, Progressive scores extremely low among their customers. Many people agree that their coverage isn't actually enough to take care of repairing or rebuilding their home in the case of an emergency. Some people feel like customer service leaves them in the dust when they need them the most, so if you're able to get a local agent that you could easily get in contact with either by phone or in-person, that would be your safest bet.

Leery of Progressive

Overall, we could hardly find anyone with really good things to say about Progressive. For now we are really leery about going with them for home insurance. Sometimes low prices don't actually pay off in the end.

Where is the Best Place to Purchase Homeowners Insurance?

No one wants to imagine their home getting overrun with water damage, enduring a natural disaster, having a fire destroy their property, or having to deal with theft, but it happens. Everyone should have homeowner's insurance for peace of mind and to be taken care of in case of an emergency or unfortunate occurrence. In fact, it's so important that you can't take out a mortgage anymore unless you can prove you have homeowner's insurance in place.

It makes sense that banks don't want to hand over a loan with the risk that something will happen to the property and render the owner unable to continue paying their mortgage. Since your home is such an important asset, you don't want to risk being responsible for thousands of dollars in costs if unexpected damage or destruction were to occur. Being uninsured in a time of crisis could result in total financial ruin.

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Home Insurance Company FAQ

If you have a mortgage on your home, your lender will more than likely require that you carry homeowners insurance. They will also require you to carry enough of it to rebuild your home if it were completely destroyed. When you have a mortgage, you don't completely own the home - the lender does, until you pay it off. That's why they require insurance. If it were to be damaged or destroyed, the bank needs to know that it will be taken care of.
There's regular homeowners insurance if you own your home, renters insurance if you're renting a free-standing home or an apartment, insurance for mobile homes, and more. When you start shopping for a home insurance policy, you'll be asked a series of questions that will determine what type of coverage is right for you.
Although the specifics can vary by company, there are a few things you can expect in a typical policy. First, your dwelling, or home, is covered, and so would a shed or other building on the lot. Your personal belongings would be covered, and medical costs of any guest injured on your property. Policies usually will pay for a hotel and meals from restaurants if you are displaced due to complete destruction of your home, if what happened is covered under the policy. You should also be protected in case of fire, storm, theft, or vandalism.
Yes and no. There are limits. When you purchase insurance, you and your agent will decide on the financial limits the policy will cover. A lower limit is cheaper, but it won't give you the replacement home you might think it will. A higher limit costs more, but will give you a better replacement home and personal belongings. Be aware that if your home is valued at $250,000, you can't get limits of $1,000,000 and get a million dollar home to replace yours. Your limits need to pretty much match what you currently have.
When you get a policy, you choose your deductible. This is the dollar amount you will be responsible for with each claim. If you want the insurance company to pay for it all, you will choose $0 deductible. Realize that having a low deductible will raise your rates. If you choose a higher deductible, such as $1,000, you'll have to pay that in the event of a disaster but your policy rates are lower. Choosing your deductible and your premium price is a balancing act.
Not all of your valuables may be covered under the standard policy, so you might choose what they call add-on policies for them. Let the insurer know if you have specific pieces to protect, and there will be a rider for each piece covering the amount it's worth. Although these add-ons might be expensive, it will be much more costly if something happened to them and they weren't listed in a separate policy.
You can usually get a discount for having zero claims on your history, living in a neighborhood with an HOA, being a senior, being a non-smoker, bundling with your auto insurance, signing on before your old policy expires, and more. If you have fire/smoke detectors and/or burglar alarms that are directly connected to emergency services (911), most policies will come with a significant discount there too. Be sure to ask your insurance company for ways to save money on your coverage.
Believe it or not, it's super-easy to get coverage online. Some insurers offer 24/7 live-person customer service, and others offer a live person only during typical business hours. But, if you don't want to talk to a person and you'd rather take care of all research and transactions from your phone or laptop, there are several companies that offer that. You can even get a quote in five minutes via the web or their app.
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Continued from above...

Most people don't have enough cash in the bank to cover a major portion of or even the entire cost of their home. It's probably the last thing you want to spend your money on when you're already paying a monthly mortgage. Having good home insurance is the best way to stay financially protected and ensure that you always have what it takes to repair and maintain your house if something goes wrong.

If you're a new homeowner, it may seem a little overwhelming to find an insurance policy. Luckily there are lots of companies available these days for you to choose from. Companies have gotten better at using layman's terms and really spelling out all their policies for you, so that you know what you'll be paying monthly, what the policy covers, and how to make a claim if you need to. Usually a company will offer a few different price ranges you can choose from, depending on how much coverage you think you need, and you can easily compare them to decide what works best with your budget and covers the risks that most threaten your property and surrounding area.

We've done some of the heavy lifting for you here by going over the process different companies require for you to get quotes and reviewing what people have to say about their customer service and follow-through with claims. When it comes to a situation regarding insurance, you don't want to mess around. We can't overstate the importance of being able to rely on a company that's affordable and will hold your hand while you navigate stressful situations.

Since there are quite a few insurance companies to choose from that have different types of policies, keep the following things in mind when choosing who to go with:

  • Standard coverage. What are the basic things included with standard coverage through the insurance company?
  • Optional add-ons. Every home, neighborhood, city, and state is different. That means that while one homeowner may need earthquake insurance, another may need flood insurance. Does the company have options to cover the specific risks in your area? Some also have add-ons for personal belongings like jewelry, so if this is something you might need, pay attention to what's available.
  • Coverage limits. In any given situation, what is the maximum amount the company would pay out? Do you feel confident that it's enough to cover all the costs you may be facing?
  • Deductible. Even though you pay a monthly fee to have home insurance, you'll still be responsible for an upfront portion of the cost of any damage you're dealing with. If you want a lower deductible, you may decide to choose a plan with a higher yearly premium instead.
  • Customer satisfaction. When you find yourself in a crisis, you want to make sure you are working with a company that will help you every step of the way. Pay attention to what other customers say about their experience with the insurance company. Do they follow through with claims quickly and efficiently? Are their employees patient, kind, and easy to work with? What rating does the Better Business Bureau give the company?

Top Consumer Reviews has researched the most important things you'd need to know about choosing a home insurance plan. We hope this information helps you find peace of mind knowing that one of your most valuable assets is protected. We've tried to make things as easy as possible for you to feel confident in your decision about which home insurance company to go with.

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