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How Progressive Home Insurance Works
Progressive is one of the largest insurance brands in the U.S., but when it comes to home insurance, there's an important distinction that many shoppers miss: Progressive doesn't always underwrite your policy itself. Instead, it operates as a marketplace. Progressive sells home insurance primarily through the Progressive Advantage Agency, which partners with nearly a dozen different insurers to issue your actual policy. Depending on your state, your policy may be underwritten by a Progressive subsidiary (formerly ASI, American Strategic Insurance), Homesite, Nationwide, Openly, or another partner carrier.
This model gives Progressive broad reach across 48+ states (all except Alaska and Hawaii), and it powers their HomeQuote Explorer® tool, which lets you compare rates from multiple carriers in one place. However, the experience you have, especially around claims and customer service, can vary depending on which carrier ultimately underwrites your policy.
Coverage Options Available
Progressive's home insurance offerings cover all six standard coverage types:
| Coverage Type | What It Covers |
|---|---|
| Dwelling (Coverage A) | Repairs to your home's structure, including walls, roof, and foundation |
| Other Structures (Coverage B) | Fences, sheds, detached garages |
| Personal Property (Coverage C) | Furniture, electronics, clothing, and valuables |
| Loss of Use (Coverage D) | Temporary living costs if your home becomes uninhabitable |
| Personal Liability (Coverage E) | Legal costs if someone is injured on your property |
| Medical Payments (Coverage F) | Guest medical bills regardless of fault |
Optional add-ons that may be available depending on your carrier and state include:
- Extended replacement cost coverage
- Replacement cost for personal property (vs. actual cash value)
- Water backup coverage
- Equipment breakdown coverage
- Service line coverage
- Extra valuables coverage (jewelry, fine art, collectibles)
The HO-3 policy is the most common, offering open-peril coverage on your home's structure and named-peril coverage on personal property. Upgrade to an HO-5 policy for broader personal property protection and fewer claim restrictions, ideal for homeowners with higher-value belongings. Not sure what to look for? Our guide on how to compare home insurance walks through the six coverage factors that matter most.
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Progressive Home Insurance Ratings & Financial Strength
Independent Ratings Snapshot (2026)
| Rating Source | Score / Rating | Notes |
|---|---|---|
| AM Best | A+ (Superior) | Highest tier of financial strength |
| U.S. News (2026) | 3.8 / 5 | 3.5 / 5 on price |
| NerdWallet | 4.2 / 5 | For Progressive subsidiary-issued policies |
| Insure.com (2026) | 3.42 / 5 (No. 7 overall) | Dropped from No. 4 due to rate increases |
| J.D. Power Property Claims (2026) | 704 / 1,000 | 7th of ranked insurers |
| NAIC Complaint Index | 1.502 | Well above the 1.0 industry median |
Progressive's financial backbone is rock solid. An A+ from AM Best means the company has a superior ability to pay claims. However, customer experience ratings tell a more complicated story, particularly for policies underwritten through Homesite.
The NAIC complaint ratio of 1.502 is notably elevated. A score of 1.0 represents the industry median, so Progressive is generating roughly 50% more complaints than expected given its market share. This contributed to the company falling from #4 to #7 on Insure.com's annual ranking between 2025 and 2026, the biggest drop of any national insurer this year.
The good news: Progressive's J.D. Power 2026 Property Claims Satisfaction score improved to 704/1,000, up from 697 in 2025, showing steady progress even as it still trails leaders like Amica (773) and Chubb.
For a broader look at how Progressive stacks up, see our guide to the best home insurance companies of 2026.
Protect your home with State Farm
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Homeowners who bundle and save with State Farm save an average of $1,000 per year!
You're in Good Hands® with Allstate
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Get comprehensive home coverage with flexible policy options.
Customize your home coverage
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Only pay for the coverage you need with personalized home insurance.
Smart coverage for your home
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Protect what matters most with award-winning home insurance.
Pricing, Discounts & Bundling Value
How Much Does Progressive Home Insurance Cost in 2026?
Progressive's rates run well above the national average in most markets. Based on Insurance.com's 2026 carrier analysis, Progressive is the most expensive company on their annual list:
| Dwelling Coverage | Progressive Avg. Annual Rate | National Average |
|---|---|---|
| $300,000 dwelling / $100k liability | ~$4,186 | ~$2,575 |
| $300,000 dwelling / $300k liability | ~$4,227 | ~$2,000 – $2,600 |
| $400,000 dwelling | ~$4,951 | ~$2,490 |
These figures represent base premiums before discounts. Your actual rate depends heavily on state, home age, claims history, credit, and available discounts. For context on how rates are trending broadly this year, see our overview of home insurance rate increases in 2026.
Available Discounts
- 🏡 New home discount, up to 68% off for newly built or recently purchased homes
- 🔒 Safety device discount for burglar alarms, fire alarms, sprinkler systems, and cameras
- 📄 Paperless billing for going fully digital
- 💳 Pay in full for paying your annual premium upfront
- 📆 Quote in advance when you quote at least 10 days before your policy start date
- 🏠 Loyalty discount (approx. 11%) for staying with Progressive
- 🚗 Bundle discount, over 25% average savings when combining home + auto
Bundling: The Best Reason to Choose Progressive
If you're already a Progressive auto customer, bundling is where the real value lives. Benefits include:
- Multi-policy discount applied to auto (and often home)
- Single deductible benefit on qualifying Progressive Home (formerly ASI) policies. If a single event damages both your home and vehicle, you pay only one deductible instead of two.
- Convenient one-stop management through Progressive's website or mobile app
One important note: In states where a partner carrier like Homesite underwrites your home policy, the bundle discount may only apply to your auto premium, not your home premium. Always ask which policy the discount is being applied to.
For a direct competitor breakdown, check out our Progressive vs. Travelers home insurance comparison.
Real Customer Reviews & Claims Experience
What Customers Are Actually Saying
Progressive home insurance customer reviews are decidedly mixed across independent platforms in 2026:
- Insurance.com 2026 survey: Overall satisfaction of 76%, trust score of 79%, digital experience of 77%, and 82% would recommend Progressive. Claims satisfaction, however, comes in at just 65%, on the lower end among competitors.
- U.S. News 2026 rating: 3.8 out of 5 overall, with a price score of 3.5 out of 5.
- J.D. Power 2026 Property Claims Study: 704 out of 1,000, ranked 7th, and slightly above the industry average.
- Yahoo Finance 2026: 3.5 out of 5 stars, citing a higher complaint index and less competitive coverage options.
Most Common Complaints
- Claim delays or denials, particularly on Homesite-underwritten policies
- Lack of explanation on settlement estimates or underpayments
- High out-of-pocket costs after claims, even with coverage in place
- Rate increases at renewal with no claims history
- Customer service inconsistency that varies by underwriting carrier
Is Progressive Good for Homeowners Insurance?
For existing Progressive auto customers, yes, bundling makes Progressive a competitive option despite above-average base rates. The 25%+ bundling discount and single-deductible benefit can offset the higher starting price considerably.
For homeowners shopping independently, Progressive's pricing is harder to justify when competitors like State Farm ($1,466/year average), Amica ($1,510/year average), and Allstate (~$2,049/year average) offer comparable or better coverage at meaningfully lower rates with stronger claims service. If you have a new home or qualify for Progressive's steeper discounts, the math can still work in your favor.
Want to see how other top carriers compare? Our State Farm vs. Allstate home insurance guide is a great starting point, and the Geico home insurance reviews article covers another marketplace-model insurer that shares many traits with Progressive. If you want the top-rated pick this year, our Amica home insurance review covers the J.D. Power #1 ranked insurer.
Frequently Asked Questions
Is Progressive home insurance any good?
Progressive home insurance earns mixed but generally acceptable ratings in 2026. Its AM Best A+ financial strength is excellent, and its J.D. Power 2026 claims satisfaction score improved to 704/1,000. However, its NAIC complaint ratio of 1.502 and above-average pricing mean it's not the top choice for everyone. It's most valuable for customers who bundle with Progressive auto insurance.
Who actually underwrites Progressive home insurance?
Progressive home insurance is sold through Progressive Advantage Agency and can be underwritten by a Progressive subsidiary (formerly ASI), Homesite, Nationwide, Openly, or other partner carriers depending on your state. The underwriter shown on your declarations page is the company legally responsible for your policy. This matters because claims must be filed with your actual underwriter, and customer satisfaction tends to be lower for Homesite-issued policies.
How much does Progressive home insurance cost in 2026?
Progressive's average annual premium for $300,000 in dwelling and $300,000 in liability coverage is approximately $4,227, making it the most expensive company on Insurance.com's 2026 list. The national average for comparable coverage is closer to $2,000 to $2,600. Bundling with a Progressive auto policy can bring your total insurance costs down substantially, with new bundlers saving over $1,000 per year on average.
Does Progressive home insurance offer good bundling discounts?
Yes, bundling is Progressive's strongest selling point. New customers who bundle home and auto save over 25% on average, and those who see savings save over $1,000 per year across both policies. Progressive auto customers also save an average of 7% on car insurance when they add a home policy, and qualifying Progressive Home policies include a single-deductible benefit for combined home-and-vehicle claims.
How does Progressive home insurance compare to State Farm and Allstate?
Progressive trails both State Farm and Allstate on price and customer satisfaction in 2026. State Farm averages roughly $1,466/year for comparable coverage, and Allstate around $2,049/year, both well below Progressive's $4,227 average. Both also outperform Progressive on the J.D. Power Property Claims Satisfaction Study. However, Progressive's HomeQuote Explorer shopping tool and 25%+ bundling savings still give it a competitive edge for customers already in the Progressive ecosystem.