Progressive Home Insurance Quote: Save More in 2025
How to Get a Progressive Home Insurance Quote
Getting a Progressive home insurance quote is a smooth, customer-friendly experience, whether you’re insuring your primary residence or a rental property. Progressive emphasizes easy online access, making it a standout choice for homeowners who value both convenience and savings. To start your journey, simply visit Progressive’s website and use their HomeQuote Explorer, a dynamic comparison tool designed to let you compare home insurance quotes seamlessly from Progressive and other top insurers in your area.
Step-by-Step Guide to Your Quote
- Enter Basic Information: Input your address, home type (single-family, condo, rental), and personal details.
- Customize Coverage: Select coverage levels for key areas like dwelling coverage, personal property, liability, and optional protections such as water backup or identity theft coverage.
- Review Discounts: The platform will suggest progressive home insurance discounts you may qualify for, including bundling discounts when you combine home and auto insurance policies.
- Get Your Quote: Receive a free quote instantly. You’ll see side-by-side comparisons if you use HomeQuote Explorer, helping you identify the best value.
- Speak with an Agent: For personalized questions or unique home situations, Progressive agents and representatives are available online or by phone to walk you through your options.
For those looking for more specialized situations, such as home insurance quotes for rental property or new home construction, Progressive’s flexible quoting tools accommodate a range of needs.
What Does Progressive Homeowners Insurance Cover?
Progressive homeowners insurance provides a robust and adaptable suite of coverages tailored to protect you against unexpected losses. The core policies generally include:
- Dwelling Coverage: Protects the structure of your home against risks such as fire, windstorm, and other covered perils.
- Personal Property Coverage: Safeguards your belongings, including furniture, electronics, and clothing.
- Liability Coverage: Provides financial protection in case someone is injured on your property or if you cause property damage to others.
- Loss of Use: Covers living expenses if your home becomes uninhabitable due to a covered event, paying for hotel stays, meals, and more.
- Medical Payments: Pays for minor medical bills if a guest is hurt on your property, regardless of who is at fault.
Optional add-ons include increased limits for valuables, identity theft protection, water/sewer backup, and coverage enhancements for eco-friendly home features. For homes in flood-prone areas, bear in mind that standard policies do not include flood insurance. You can learn more about specific protections in our essential guide to home insurance including flood cover or see a deeper breakdown in what does home insurance cover? – 7 key areas explained.
Additionally, Progressive’s inspection process and A.M. Best-affirmed financial strength help ensure reliable claims service and peace of mind.
Progressive Home Insurance Pricing and Discounts
Pricing for Progressive homeowners insurance is influenced by factors like location, home value, age of the property, and chosen deductibles and coverages. Below are several aspects that set Progressive apart in terms of affordability and savings opportunities:
Free Online Quotes and Sample Premiums
Progressive offers a free quote within minutes via its online platform. For instance, average annual premiums in 2025 were around $1,250 for a standard single-family home in Texas, while homes in Florida-often more vulnerable to weather risks-saw averages closer to $1,850 annually. To see specific pricing for your area, sites like our feature on home insurance quotes in Oklahoma provide state-focused insights for the best rates.
Progressive Home Insurance Discounts
- Bundling Discounts: Save up to 12% by bundling home and auto insurance through Progressive.
- Multi-Policy Savings: Combine additional policies, such as boat or motorcycle, for further savings.
- New Home Discounts: Lower rates are often available for new or recently renovated homes. Seek further details in our new home construction insurance guide.
- Protective Device Discounts: Homes equipped with alarms, smart home devices, or sprinkler systems can qualify for reduced premiums.
- Claim-Free Rewards: Enjoy discounts for maintaining a claim-free status over a period of time.
Tip: Beyond the obvious, ask Progressive representatives about lesser-known options like paperless billing rewards and upfront full-pay incentives, which can yield additional savings.
Deductibles and Premium Customization
Your chosen deductible, or the portion of a claim you’ll pay out-of-pocket, directly influences your monthly premium. Opting for a higher deductible can lower your premium-just make sure you have ample savings to cover it in a claim situation. You can easily adjust these settings during the online quote process to discover the best balance for your budget and risk tolerance.
Progressive vs. Other Home Insurance Providers
One unique value of choosing Progressive is their HomeQuote Explorer, which not only finds you a Progressive home insurance quote but also lets you compare rates and coverages from multiple insurers in real time. Here’s how Progressive stacks up:
| Provider | Online Quotes | Bundling Savings | Discount Variety | AM Best Rating | Unique Features |
|---|---|---|---|---|---|
| Progressive | Yes, with HomeQuote Explorer | Up to 12% | Extensive, including claim-free | A+ | Multi-insurer comparison, modern UI |
| State Farm | Yes | Varies | Standard | A++ | Strong agent network |
| Allstate | Yes | Up to 25% (varies by state) | Wide, including early signing | A+ | Customizable add-ons |
| Liberty Mutual | Yes | Varying rates | Standard plus smart tech | A | Online policy management |
Customers frequently note Progressive’s strong digital experience, responsive customer service, and competitive bundling discounts. The ability to compare home insurance quotes directly using the HomeQuote Explorer sets Progressive apart, especially for tech-savvy shoppers eager to see real-time rate differences and coverage breakdowns.
For different home types and situations, such as rental properties or homes needing specialized flood coverages, you may want to weigh Progressive’s offerings against niche providers or specialty products featured on our site.
Frequently Asked Questions About Progressive Home Insurance Quotes
How long does it take to get an online Progressive home insurance quote?
Most customers can receive a free quote in less than 10 minutes using Progressive’s HomeQuote Explorer. Having details about your home’s construction, age, and existing safety features on hand will help speed up the process.
Does Progressive offer online quotes in all states?
Yes, Progressive offers a home insurance quote online in most states, but the available coverages and discounts may vary. For detailed state-specific insights, check out resources like our feature on Oklahoma home insurance rates.
What documents or information do I need to get a quote?
Be prepared with your property’s address, details on roof and system updates, the number of rooms, and information about your belongings’ value. Progressive may also look up publicly available records or schedule an inspection for final policy issuance, particularly for older homes.
How does bundling work, and how much can I save?
Bundling home and auto insurance (or other policies) through Progressive can result in significant multi-policy discounts, often up to 12%. These savings, combined with other discounts, can result in market-leading premiums and a more simplified insurance experience.
What trust signals can I look for with Progressive?
Progressive’s homeowners insurance is underwritten by highly-rated carriers with an A.M. Best rating of A+ or better, indicating excellent financial strength. Thousands of positive testimonials and reviews, along with the company’s decades-long presence, affirm their reputation for reliability, fast claims response, and transparent coverage options.
Can I get a quote for rental properties or new construction homes?
Absolutely. Whether you own an investment unit or are moving into a newly built house, Progressive offers tailored quotes. For deeper insights, visit our deep-dive into rental property insurance or the 2025 guide to new home construction insurance.
