On this page14 sections
- Ratings and complaints
- Progressive vs. competitors
- Pricing
- Step by step
- Progressive home insurance legitimacy and licensing
- Progressive home insurance cost
- How Progressive home insurance works
- Progressive in Florida and high-risk states
- Progressive home insurance complaints
- Cancelling Progressive home insurance
- Who should look elsewhere
- What customers say
- Alternatives
- FAQ
Progressive home insurance is legitimate and makes the most sense if you already insure your car with Progressive and want one place to manage both. Progressive Advantage Agency places you with Progressive Home or a partner insurer, and the insurer on your policy handles claims, so the quality you get depends on that company. Progressive Home scored above average in J.D. Power's 2026 home and property claims studies, but NerdWallet's read of NAIC data shows more complaints than expected, and Progressive cut about 100,000 Florida policies in 2024. Get at least one quote from a company that writes its own policies to compare.
- How it's sold
- Through Progressive Advantage Agency, which places policies with Progressive-affiliated insurers and unaffiliated insurers; each insurer is solely responsible for its claims1
- Partner insurers
- Progressive Home plus unaffiliated insurers placed through Progressive Advantage Agency; Progressive does not publish the partner list1
- Average premium
- $2,580 a year ($215 a month) for $400,000 of dwelling coverage in NerdWallet's sample, updated February 20262
- Bundle savings
- Average 7% off auto in most states when you add home (six-month term); customers who save on a home and auto bundle saved $1,099 a year on average, per Progressive's survey1
- J.D. Power 2026
- Progressive Home: 659 in the Home Insurance Study (6th of 26, average 644) and 704 in the Property Claims study (7th of 15, average 702)9
- Where sold
- Progressive Home is not sold in every state; the agency may quote a partner insurer instead. Check by ZIP code on progressive.com1
- Financial strength
- A+ (Superior) from AM Best for Progressive's insurance subsidiaries, affirmed May 2026; partner insurers carry their own ratings3
Pros
- One place to quote and manage home and auto, with an average 7% auto discount for bundling
- Progressive Home scored above the J.D. Power 2026 averages for overall and claims satisfaction
- Access to about a dozen insurers if Progressive Home won't write your house
- Optional extended replacement cost, water backup and service line coverage with many insurers
Cons
- Your insurer and claims handler may not be Progressive
- More complaints than expected for its size in NAIC data, per NerdWallet
- Not sold in every state; Progressive Advantage Agency may place you with a partner insurer instead
- Cut about 100,000 Florida policies in 2024
- No published average homeowners price
Best for: Progressive auto customers who want a quick home quote and a bundle discount, and are willing to check which insurer they are placed with.
Skip it if: You want one company that sells and services your policy and handles every claim, or you live in a hurricane state where Progressive has been cutting policies.
Progressive vs. competitors
| Company | Average premium (NerdWallet, $400K dwelling) | J.D. Power 2026 homeowners score | Who writes the policy |
|---|---|---|---|
| Progressive | $2,580 a year | 659 (6th of 26) | Progressive Home or a partner insurer |
| Allstate | $2,715 a year | 638 (tied 11th) | Allstate |
| Nationwide | $3,345 a year | 646 (9th) | Nationwide |
| GEICO | Not in NerdWallet's sample | Not ranked as GEICO | Partner insurer chosen by GEICO's agency |
Progressive pricing at a glance
Progressive home insurance cost figures: NerdWallet sample premiums and Progressive's own bundle figures, as published 2026 (BestGuide did not price policies)2
| Figure | Amount | Basis |
|---|---|---|
| NerdWallet average | $2,580 a year | $400,000 dwelling, $300,000 liability, $1,000 deductible, 40-year-old with good credit; updated February 2026 |
| NerdWallet national comparison | About $2,490 a year | $400,000 dwelling coverage |
| Auto discount for bundling home | 7% average | Six-month auto term, most states, per Progressive |
| Average yearly bundle savings | $1,099 | New customers surveyed who saved, June 2025 to May 2026, per Progressive |
Progressive does not publish a national average homeowners premium. Your rate depends on the insurer you are placed with, your home's location, age, roof and rebuild cost, and your claims and credit history where allowed.
Progressive, step by step
Get a quote
Quote online or by phone at 1-855-347-3939. You enter the address, home details and safety features once.
See which insurer is offered
Progressive Advantage Agency quotes you with Progressive Home or a partner insurer. Note the insurer's name and check its rating and complaint record.
Choose coverage and add-ons
Set dwelling, belongings, liability and deductible. Add-ons can include extended replacement cost, water backup, service line and equipment breakdown, depending on the insurer and state.
Inspection and underwriting
Some insurers order an inspection after the policy starts and can require repairs or cancel if they find problems such as roof wear. Ask your insurer what applies.
Claims
Report a claim through Progressive's claims page or directly with your insurer. The insurer named on your policy handles the claim.
Progressive home insurance legitimacy and licensing
Yes. Progressive is a publicly traded insurer founded in 1937, and its insurance subsidiaries hold an A+ (Superior) rating from AM Best, affirmed in May 2026. For home insurance, though, Progressive mostly acts as an agency. Progressive Advantage Agency places your policy with a Progressive-affiliated insurer (Progressive Home) or with an unaffiliated one, and Progressive’s own disclosure says each insurer is solely responsible for its claims and pays the agency a commission.
So the right question is who your insurer is. NerdWallet counts nearly a dozen partners, including Nationwide, Homesite and Openly. Before you buy, look up the insurer named on your quote in the NAIC Consumer Insurance Search to check its license and complaints.
Progressive home insurance cost
Progressive does not publish a national average homeowners premium. NerdWallet’s February 2026 sample put Progressive at $2,580 a year, or about $215 a month, for $400,000 of dwelling coverage, $300,000 of liability and a $1,000 deductible, compared with about $2,490 nationally for the same dwelling limit.
The main savings come from bundling. Progressive says adding home cuts auto premiums by 7% on average in most states, and customers who saved on a home and auto bundle reported $1,099 a year in savings in its June 2025 to May 2026 survey. Other discounts include quoting at least 10 days before your start date, alarms and safety devices, and buying a new home. Those survey figures only count people who saved, so compare quotes yourself.
How Progressive home insurance works
You start a quote on progressive.com or by phone. Progressive Advantage Agency shows a quote from Progressive Home or a partner insurer, and the policy, billing and claims are run by that insurer. Standard coverage includes the dwelling, personal property, loss of use and personal liability. Depending on the insurer and state, you can add extended replacement cost, replacement cost for belongings, water backup, extra valuables, service line, equipment breakdown and identity theft coverage.
NerdWallet notes that you may be able to use a single deductible when one disaster damages both your home and a car insured with Progressive, but that depends on the insurer, so ask before relying on it.
Progressive in Florida and high-risk states
Progressive has been shrinking its storm-exposed property business. Insurance Business reported in March 2024 that Progressive sent non-renewal notices in Florida starting in May 2024, mostly for DP3 policies on rental and second homes plus properties it rated high risk, with the Insurance Information Institute estimating about 100,000 policies. Triple-I also reported about 56,000 Florida non-renewals in 2022.
If you live in Florida or another coastal state, ask whether your quote is with Progressive Home or a partner, and keep your renewal notices. A non-renewal usually comes with advance notice set by state law, so you have time to shop.
What customers say about Progressive
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Easy online quote and one account for home and auto
- Bundle discounts for existing Progressive auto customers
- Smooth claims when the policy is with Progressive Home
Common complaints
- Large renewal premium increases
- Non-renewals, especially in Florida and other storm states
- Confusion over which insurer actually handles the claim
- Slow or disputed roof and water damage claims
Progressive home insurance complaints
Ratings point in two directions. Progressive Home scored 659 in J.D. Power’s 2026 Home Insurance Study (6th of 26, above the 644 average) and 704 in the 2026 Property Claims Satisfaction Study (7th of 15, just above the 702 average). But NerdWallet’s read of 2022 to 2024 NAIC data shows more homeowners complaints than expected for Progressive’s size, and the company-wide BBB profile is rated B- with 5,262 complaints in three years.
Recurring complaints are steep renewal increases, non-renewals, slow roof and water claims, and confusion about which company is handling the claim. Keep photos of your home before a loss, get claim decisions in writing, and file unresolved complaints with your state insurance department.
Cancelling Progressive home insurance
Cancel by contacting Progressive or the insurer named on your policy. If you paid the term upfront, you are usually owed the unused premium, though some insurers charge a fee or keep a short-rate share, so ask first. If your mortgage lender pays the premium from escrow, line up the new policy and send the lender proof before the old one ends, or the lender can buy costly force-placed coverage for you.
Who should look elsewhere
If you don’t have Progressive auto, the bundle discount is gone and you are mostly paying for Progressive to act as a broker. Homeowners who want one company to handle the sale and every claim, people in Alaska or Hawaii, and those with older roofs in storm states may do better with a direct insurer or an independent agent who can shop several carriers.
Alternatives to Progressive
- State Farm Writes its own policies through local agents and scored 665 in J.D. Power's 2026 homeowners study. Read review
- Nationwide A direct insurer that scored 720 in J.D. Power's 2026 property claims study, well above Progressive Home. Read review
- USAA If you or a family member served, USAA had the highest score in the 2026 study (741), though it is not rank eligible. Read review
- An independent agent Free to use and can quote several insurers that write their own policies, useful in high-risk states.
Progressive reviews
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Frequently asked questions
Is Progressive good for home insurance?
It is convenient if you already have Progressive auto. Progressive Home scored above average in J.D. Power's 2026 home and claims studies, but complaints run higher than expected in NAIC data, and your policy may come from a partner insurer.
Who underwrites Progressive home insurance?
Progressive Advantage Agency places policies with Progressive-affiliated insurers (Progressive Home) or unaffiliated insurers such as Nationwide, Homesite and Openly. The insurer named on your declarations page handles your claims.
How much is Progressive home insurance a month?
NerdWallet's February 2026 sample averaged $2,580 a year, about $215 a month, for $400,000 of dwelling coverage. Your price depends on the home, location and insurer.
How much do you save bundling home and auto with Progressive?
Progressive says the auto discount averages 7% in most states when you add a home policy. Customers who saved on a bundle reported $1,099 a year on average in its 2025 to 2026 survey.
Is Progressive home insurance available in my state?
Progressive Home policies are not sold in every state, and Progressive Advantage Agency may quote a partner insurer instead. Enter your ZIP code on progressive.com to see what is offered where you live.
Did Progressive stop writing home insurance in Florida?
It cut back. Starting in May 2024 Progressive non-renewed Florida policies, mainly DP3 rental and second-home policies and higher-risk properties, estimated at about 100,000 policies. Ask about current Florida availability when you quote.
How do I file a Progressive home insurance claim?
Use Progressive's report-a-claim page or call the insurer named on your policy. Progressive's homeowners page lists 1-855-347-3939 as a 24/7 line.
Does Progressive home insurance cover flooding?
Standard homeowners policies, including those sold by Progressive, do not cover flood. Buy a separate flood policy through the National Flood Insurance Program or a private flood insurer.
How does Progressive rank in J.D. Power?
Progressive Home scored 659 (6th of 26) in the 2026 Home Insurance Study and 704 (7th of 15) in the 2026 Property Claims study, both slightly above the study averages.
Can I cancel Progressive home insurance any time?
Yes. Contact Progressive or your insurer. Refunds of unused premium depend on how you paid and the insurer's rules, and if you have a mortgage, send your lender proof of new coverage first.
Sources (10)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Progressive: Homeowners insurance (agency disclosure, bundle savings, coverages) (accessed October 13, 2026)
- NerdWallet: Progressive homeowners insurance review (updated February 20, 2026) (accessed October 13, 2026)
- Business Wire: AM Best affirms credit ratings of The Progressive Corporation and its subsidiaries (May 1, 2026) (accessed October 12, 2026)
- Insurance Business: Progressive issues non-renewal notices in Florida (March 27, 2024) (accessed October 13, 2026)
- BBB: Progressive Corporation (Headquarters) profile (accessed October 12, 2026)
- Trustpilot: Progressive reviews (accessed October 12, 2026)
- NAIC: Consumer Insurance Search (accessed October 13, 2026)
- FloodSmart (NFIP): Flood insurance (accessed October 13, 2026)
- Business Wire: J.D. Power 2026 U.S. Home Insurance Study, homeowners and renters rankings (Sept 15, 2026) (accessed October 13, 2026)
- Business Wire: J.D. Power 2026 U.S. Property Claims Satisfaction Study (March 17, 2026) (accessed October 13, 2026)
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