Progressive homeowners insurance review (2026): easy bundle for Progressive auto customers.

About Progressive homeowners insurance

Progressive makes it easy to add home to an existing auto policy, though much of its homeowners coverage is underwritten by third-party partners through its Homeowners Program. That means the actual insurer — and the claims experience — can vary. Pricing is slightly above average and the complaint ratio runs a bit high.

Who Progressive homeowners insurance is right for

Progressive auto customers who want a convenient bundle and a single point of purchase, and who'll verify which underwriter actually backs their home policy.

How much does Progressive homeowners insurance cost?

Progressive homeowners insurance averages roughly $1,992/year (about $166/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — about the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: Nationwide.

Progressive homeowners insurance pros and cons

Progressive’s recent rate filings

The actual rate changes Progressive filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, Progressive filed 7 home rate changes across 7 states, averaging +9.8% and 32 auto rate changes across 12 states, averaging −2.2%. Each row links to the filing in our rate-filings ledger.

Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.

Compare Progressive homeowners rates by state

Frequently asked questions