TLDR
  • Estimated $1,992/year (~$166/month) for a standard $300k policy — about the national average
  • NAIC complaint ratio 1.12 (above industry average); B financial strength
  • Availability: Nationwide
  • Convenient bundling for Progressive auto customers
  • Home often underwritten by third-party partners
NAIC complaint ratio  1.12  — above industry average

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

Pros

  • Convenient bundling for Progressive auto customers
  • Wide availability and online quoting
  • Access to many underwriters through one program

Cons

  • Home often underwritten by third-party partners
  • Above-average pricing and complaint ratio
  • Claims experience varies by underwriter

Bottom line: Progressive is mostly a convenience play for existing auto customers. Check which underwriter backs the policy, and compare against the cheaper, more consistent carriers above.

Compare Progressive against other carriers

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Compare Progressive homeowners rates by state

California →Texas →Florida →New York →Colorado →Oklahoma →Ohio →Georgia →North Carolina →Illinois →Pennsylvania →Michigan →Virginia →Washington →Tennessee →

Frequently asked questions

How much is Progressive homeowners insurance?
Roughly $1,992/year (~$166/month) for a standard $300k-dwelling policy — about the national average. Your exact price depends on your home, deductible, and claims history.

Is Progressive good for homeowners insurance?
It carries an NAIC complaint ratio of 1.12 (above industry average) and B financial strength. Progressive is mostly a convenience play for existing auto customers. Check which underwriter backs the policy, and compare against the cheaper, more consistent carriers above.

Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare Progressive against other carriers.

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