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Progressive Home Insurance

progressive home insurance

Progressive home insurance works differently from Progressive car insurance. Some policies are written by Progressive’s own home insurers and others by outside companies through its agency, and Progressive has been shrinking homeowners coverage in storm-prone areas. Here’s what’s verified as of October 2026.

Blake Insurance Group is an independent agency serving clients by phone, email, and online in states where we are licensed; coverage depends on the insurer, the policy, and underwriting.

Published by Blake Insurance Group LLC · Reviewed October 2026

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Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

Availability varies by state, product and applicant. Insurers listed here are ones our agency currently has access to quote; that can change.

Where Progressive Home stands

Progressive’s property business is smaller than its auto business and has been shrinking in weather-exposed areas. Its 2025 annual report says it is reducing its footprint in volatile weather areas and prefers to write homeowners coverage bundled with Progressive auto, where allowed. Progressive Home stopped offering dwelling fire (landlord and second-home) policies in late 2024, and in 2023–2024 it did not renew about 100,000 Florida home policies. Some Progressive-branded home policies are written by other insurers through Progressive’s in-house agency, so check which company issues your policy.

Progressive’s 2025 shareholder letter says homeowners policies are written only when bundled with Progressive personal auto, and that its HomeQuote Explorer tool shows quotes from Progressive and unaffiliated insurers.

Who issues the policy

Progressive places some home, condo, renters, and umbrella policies through Progressive Advantage Agency with affiliated and unaffiliated insurers, and Progressive says each insurer is solely responsible for claims on its policies. Check the declarations page for the issuing company and file claims with that company.

Homeowners coverage basics

  • Dwelling. Repairs or rebuilds the house after a covered loss.
  • Other structures. Fences, sheds, and detached garages.
  • Personal property. Your belongings.
  • Loss of use. Extra living costs while the home is repaired.
  • Liability. Injuries and damage you cause to others.

Flood and earthquake damage are excluded from standard homeowners policies and need separate coverage.

About Progressive

Progressive is The Progressive Corporation (NYSE: PGR), an Ohio company headquartered in Mayfield Village, Ohio, that has been in business since 1937. Its 2025 Form 10-K reports about 70,000 employees and $83.2 billion in net premiums written in 2025, and its annual report counts 38.6 million policies in force at the end of 2025, including about 26.8 million personal auto policies.

Progressive writes personal auto insurance in every state. Besides car insurance, its website lists motorcycle, boat, RV, ATV, classic car, renters, homeowners, condo, umbrella, and commercial auto coverage; some of those products are placed with other insurers through Progressive’s own agency.

AM Best rates Progressive’s insurance companies A+ (Superior) for financial strength, with a stable outlook. AM Best affirmed the rating in April 2025 and again in May 2026. A financial strength rating is an opinion about an insurer’s ability to pay claims, not a measure of price or service, and ratings can change, so check AM Best before you buy.

How Progressive sells

Progressive sells by phone, online, and through independent agents. Its 2025 10-K says it works with more than 40,000 independent insurance agencies, and that in 2025 about 43% of its personal vehicle premiums came through agents and 57% came direct. Prices can differ depending on how you buy, because insurers can file different rates for different channels.

An independent agency can quote Progressive alongside other insurers the agency represents. Blake Insurance Group is an independent agency; this page doesn’t say we are appointed with Progressive, and the insurers we can offer depend on our appointments and your state.

Market position

Progressive is one of the two largest U.S. car insurers. In 2025 NAIC data, as reported by Repairer Driven News, State Farm held 18.64% of the private passenger auto market and Progressive 18.60%, followed by GEICO’s parent, Berkshire Hathaway, at 11.56% and Allstate at 10.15%. S&P Global estimated that Progressive’s private auto premiums passed State Farm’s for the 12 months ending March 31, 2026. Size says nothing about whether a company is the right fit for you.

Discounts Progressive lists

  • Driving record. Three-year safe driving, five-year accident-free, and five-year claim-free discounts.
  • Bundling. Multi-policy and multi-car discounts, plus a homeowner discount even if your home isn’t insured with Progressive.
  • Buying and paying. Online quote, signing online, paperless, paying in full, and automatic payment (which can’t be combined with paying in full).
  • Continuous insurance. Applied at your first renewal.
  • Students and teens. Teen driver, good student (a “B” average), and distant student discounts.
  • Snapshot. A participation discount, then a personalized rate at renewal.

Availability varies by state. Progressive also lists Loyalty Rewards and a Deductible Savings Bank option that reduces your deductible by $50 for each claim-free, violation-free period.

What affects your price

Car insurance prices depend on your driving record, claims history, the car, where it’s garaged, how much you drive, the coverage and deductibles you choose, and, in most states, credit-based insurance scores. The NAIC reports the national average expenditure was $1,281 per insured vehicle in 2023, up 19.24% from 2019. Averages hide a wide range, so the only way to know your price is to compare quotes for the same coverage.

Claims at Progressive

Progressive says you can report a claim online, in the Progressive app, or by phone at 1-800-776-4737. You’ll be asked for the type of claim, the date and location, and the vehicles and people involved. After you report, you get a claim number, a secure link to upload photos and documents, and online tracking of your claim status, estimate, and payments.

Eligible customers can book repairs at a Progressive network shop where available. Repairs at network shops come with a Limited Lifetime Repair Guarantee for as long as you own or lease the vehicle; Progressive says the guarantee is voided if a non-network shop works on the repair. Some services, such as rental cars, depend on having comprehensive, collision, or rental reimbursement coverage.

Recent Progressive news

  • Florida credits. Progressive said its Florida personal auto profits for 2023–2025 may exceed the state’s statutory limit and is issuing credits to Florida auto policyholders; its 2025 annual report cites $1.2 billion.
  • Louisiana. The Louisiana Department of Insurance approved Progressive personal auto rate decreases of 6.6% and 4% for two of its companies in January 2026.
  • Growth. Progressive added about 3.6 million policyholders in 2025, according to its annual report.

How to compare quotes

  1. Pick your limits first. Decide on liability limits, deductibles, and extras before you compare.
  2. Quote the same coverage. Make sure every quote uses the same limits, deductibles, drivers, and vehicles.
  3. Check the insurer. Look up the issuing company with your state insurance department and its AM Best rating.
  4. Ask about telematics. Find out whether a usage-based program can raise your rate, not just lower it.
  5. Look at claims service. Ask how claims are reported and where repairs can be done.
  6. Time the switch. Start the new policy before you cancel the old one.

Checking a plan and insurer

  • Insurer license. Check the company with your state insurance department.
  • Financial strength. Look up the issuing insurer on AM Best.
  • Complaints. NAIC’s Consumer Insurance Search shows complaint data by company.
  • Coverage match. Compare limits, deductibles, and extras line by line.
  • Telematics terms. Ask whether driving data can raise your rate.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

How we work

Blake Insurance Group serves clients by phone, email, and online in states where we are licensed. The insurers and plans we can offer depend on our appointments and your location; a company named on this page may not be available through us.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

  1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
  2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
  3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
  4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

Sources

We checked the facts on this page against the sources below in October 2026. Plans, prices, and rules change, so confirm current terms before you buy.

What to have ready for a car insurance quote

These details help an agent quote accurately.

  1. Driver details. Names, birth dates, and license numbers for everyone in the household who drives.
  2. Vehicles. Year, make, model, and VIN for each car.
  3. Current policy. Your declarations page, so quotes match your current limits.
  4. Driving history. Tickets, accidents, and claims in the last five years.
  5. Where the car is kept. Garaging address and how many miles you drive.
Back to the quote form Call a licensed agent at 888-387-3687

Progressive home insurance FAQs

Does Progressive sell home insurance?

Yes, through its own home insurers and partner insurers; Progressive says it writes homeowners only when bundled with its auto insurance.

Who handles my claim?

The insurer named on your policy.

Is Progressive leaving any states?

It has reduced homeowners coverage in storm-prone areas; ask about availability at your address.

Does it cover floods?

No. Flood needs a separate policy.

Important information

Compensation. Links in the partner quote box near the top of this page are sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.

Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.

Company names. Progressive, GEICO, and other company names are trademarks of their owners. Blake Insurance Group isn’t affiliated with Progressive or the other companies described, and a company named here may not be available through us. Facts checked October 2026.

State rules. State requirements on this page were checked against official sources in October 2026 and can change. This page isn’t legal advice.

Coverage terms. Descriptions are general. The policy contract controls what is covered.

Availability. Coverage, prices, and eligibility vary by company, state, and applicant, and are subject to underwriting. The issued policy controls.

Your next step

Request a quote, and a licensed agent will compare car insurance options available to us.

Get a quote Talk with a licensed agent at 888-387-3687