LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Home insurance review

Progressive Home Insurance Review (2026)

Progressive earned 4.1 / 5 in our 2026 review. Best for: auto and home bundling, competitive online quotes. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,250 to $1,650
AM Best
A+
JD Power
801 / 1000
Bundling discount
Up to 7%
States available
All 50 states
Flood coverage
Separate policy
Digital experience
Excellent
Fintiex rating
4.1 / 5
Pros
  • +Seamless auto and home bundling through one policy dashboard
  • +Name Your Price tool shows coverage options within your budget
  • +Strong digital experience with instant online quotes
  • +HomeQuote Explorer allows comparison of multiple home insurers
  • +Discount for buying your policy at least three days before it starts
  • +New home discount for recently built properties
Cons
  • -Progressive brokers many home policies through third-party insurers
  • -Bundling discount lower than some competitors
  • -Coverage may be underwritten by a partner insurer, not Progressive directly

Coverage available

DwellingOther structuresPersonal propertyLoss of useLiabilityMedical payments

Progressive includes the six standard parts of a home policy. Flood and earthquake coverage are excluded by default, which is industry standard. Add them as separate policies if you are in a high-risk zone.

Best for

Progressive is the right pick if you prioritize auto and home bundling, competitive online quotes. It earns top marks for claims process and digital experience. If you do not match this profile, compare against the other top picks on our home insurance hub.

Overview

Progressive carries an AM Best financial strength rating of A+, which matters more in home insurance than almost any other line. When a hurricane, wildfire, or hail storm hits a region, claims can spike fast. A well-capitalized carrier pays them. A weak one can struggle. The carrier writes policies in All 50 states and is best known for auto and home bundling, competitive online quotes.

Premiums for a typical $300K single-family home, $250K dwelling, and a $1,000 deductible run $1,250 to $1,650 per year with Progressive. That puts the carrier around the middle of the home insurance market. Of course, premium varies sharply by ZIP code, home age, roof condition, claims history, and credit.

On customer satisfaction, Progressive scored 801 on the latest JD Power US Home Insurance Study. That puts it below the industry average. The digital experience is rated excellent.

How to get a Progressive quote

Getting a quote from Progressive takes about 10 to 15 minutes online. You will need your home address, year built, square footage, roof type and age, and an estimate of the dwelling replacement cost. Most carriers also ask about prior claims in the last 5 years and your current insurance status.

  • Visit the Progressive home insurance page
  • Enter your address, home details, and coverage info
  • Pick coverage limits (set dwelling to replacement cost, not market value)
  • Review the quote and apply bundling and other discounts
  • Bind the policy online or speak to an agent
Start a Progressive quote

Frequently asked questions

Is Progressive home insurance worth it?
Progressive earned 4.1 out of 5 in our 2026 review. It carries an AM Best rating of A+ and a JD Power home insurance satisfaction score of 801 out of 1,000. Best for: auto and home bundling, competitive online quotes.
How much does Progressive home insurance cost?
Average premiums range from $1,250 to $1,650 per year for a typical $300K single-family home with $250K dwelling coverage and a $1,000 deductible. Your rate depends on home age, construction, claims history, ZIP code, and credit.
Does Progressive cover floods and earthquakes?
Standard Progressive policies exclude flood and earthquake damage, which matches industry standard. You will need a separate flood policy through NFIP or a private insurer. Earthquake coverage is available as a separate endorsement in most states.
What does a standard Progressive home policy cover?
Standard coverage includes: Dwelling, Other structures, Personal property, Loss of use, Liability, Medical payments. Most policies include personal property at 50 to 70 percent of dwelling coverage and liability at $100K to $500K.
Will I save by bundling Progressive home with auto?
Yes. Bundling can save you about 7 percent on both policies with Progressive. Always run the numbers against two standalone quotes to confirm the bundle wins.
Is Progressive available in my state?
Progressive writes home policies in all 50 states.

Ready to get a Progressive home quote?

Takes about 10 minutes. No commitment to bind.

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