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This homeowner insurance is a good fit for: Progressive auto insurance customers interested in a bundled coverage discount.
Progressive offers homeowners insurance through affiliated third parties. It doesn't underwrite the policies itself. And homeowners won't file a claim through Progressive directly. This leads to inconsistent claims handling. But for those who already have Progressive auto insurance, working with Progressive to get homeowners coverage can result in a generous discount.
Customers who bundle home and auto insurance coverage from Progressive save an average of 5% on their car insurance coverage. Other opportunities for saving include:
Homeowners who want help customizing their insurance coverage will find the assistance they need from Progressive. The insurer offers a network of more than 35,000 agents that provide personalized guidance. Agents can help customers get home and auto coverage. They can also help with other policies including commercial insurance, boat insurance, RV insurance, and coverage for motorcycles and ATVs.
Progressive doesn't underwrite policies. And policyholders don't make claims through Progressive. As a result, customers must rely on the third party affiliate to provide good service. Unfortunately, not all third-party companies provide great customer service. For example, ASI Progressive ranked well below average on J.D. Power and Associates Overall Customer Satisfaction rankings.
When looking for homeowners insurance that offers a solid reputation for claims handling: Both Erie Insurance and The Hartford have stronger reputations for customer satisfaction than Progressive. But keep in mind, these insurers don't offer the same vast network of agents. For example, Erie's agent network is less than half the size of Progressive's.
Progressive offers multiple policy options from different affiliates. That means there's a range in prices. Many of the home insurance options offered through Progressive partners are priced competitively.
Policyholders can save on Progressive homeowners insurance in a number of different ways. Discounts for homeowners insurance include:
Dwelling coverage pays to rebuild a home or repair a home damaged by a covered peril. Covered perils include:
Homeowners who cannot remain in their homes when repairs are occurring due to a covered loss will be entitled to additional living expense coverage. This could include a hotel stay. It could also cover meal costs in excess of typical grocery bills.
If someone is injured on the property and a policyholder is held accountable, liability insurance will provide coverage. It's also possible to purchase additional liability coverage for liable and slander.
This insurance pays for personal items. If they are damaged due to a covered loss, the insurer pays for repair or replacement. This can include furniture and electronics. Clothing, power equipment, tools, and other belongings are covered as well. Homeowners who have certain expensive items have the option to buy additional riders for more protection. This could include things like jewelry or art.
Progressive allows homeowners to get an insurance quote online. This requires inputting details such as:
Customers will also be asked if they already have Progressive auto insurance. And they must provide the date they'd like their policy to start.
Further questions about the home include:
Homeowners will also be asked to provide details about some of the home's features and finishes, such as the countertop type.
After completing questions, Progressive provides several different price quotes. Homeowners can choose their preferred option. Once they've selected the type of insurance coverage they want, it's possible to purchase the policy online.
Claims handling is inconsistent because there are different Progressive partners. ASI Progressive, for example, received below average customer service ratings from J.D. Power and Associates.
Progressive is best suited for people who:
But homeowners may want to consider Erie Insurance or The Hartford if top customer service ratings are important to them.
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