Homeowners insurance protects against damage to your home and belongings from covered perils, and safeguards your assets if you're liable for someone else's injuries or property damage. Additionally, your homeowners policy may pay for an increase in living expenses if your home is uninhabitable due to a covered loss. Get a homeowners insurance quote online today and see how easily you can obtain customized coverage from Progressive.
Save an average of 7% on car insurance when you combine Progressive home and auto. Δ
Plan and save when you get a homeowners insurance quote before your policy’s start date. +
You may qualify for discounts if you have a burglar alarm, automatic fire protective sprinklers, or a centrally monitored security system in your home.
You may qualify for a discount when you purchase a new home (doesn't have to be newly built).
We connect you with a network of home insurance companies to give you more price and coverage choices when quoting. The availability and amounts of discounts can vary by company and your state.
We offer protection for your home and personal property in addition to liability coverage if you're responsible for another person's injury or damage to their property.
Dwelling coverage may pay to repair or rebuild your house caused by fire, severe weather, falling trees, ice dams, and other covered perils.
Example: You may be protected if your roof caves in from the weight of ice, snow, or sleet, damaging interior components such as walls, kitchen cabinets, and countertops.
If you're unable to stay in your home during repairs due to a covered loss, additional living expenses (part of your loss of use coverage) may pay for additional living expenses above what you'd typically pay, up to your policy's limits.
Example: A fire damages your kitchen and you're unable to live in your home while the repairs are being made. You may be covered for the cost of a hotel stay and meals, above what you normally spend on groceries.
Personal liability coverage helps protect your assets if you or your family members are liable for someone else's damage or injuries. Additional coverages may be available to purchase for libel, slander, and other lawsuits. If you need more than a $500,000 liability limit, a separate umbrella policy may provide additional coverage.
Example: A delivery person falls on your steps and breaks their arm. If you're found to be liable, your homeowners insurance may cover their medical bills and lost wages.
Personal property coverage helps pay to repair or replace furniture, clothes, electronics, tools, and other belongings if they're destroyed in a covered loss. For more expensive items, such as jewelry, art and collectibles, you may need to "schedule" the item, also known as adding an insurance rider to your homeowners insurance policy.
Example: Someone breaks into your car and steals your cellphone and work tools/equipment. Your home insurance policy may pay to replace the stolen items, up to the limits of your policy and minus your deductible.
It's never been easier to get affordable and accurate home insurance quotes online. We'll ask a few simple questions to help you find a policy that best protects your home and family, including the following:
Below are some of the most asked questions about homeowners insurance. Check our home insurance FAQ and home insurance resources page for more information.
Standard home insurance policies cover a variety of situations, including the following examples, up to your coverage limits and minus any deductible:
Learn more about home insurance coverages and use our home insurance calculator to estimate how much home insurance you need.
If you rent out a house to tenants or if your rental property is unoccupied, you'll need a dwelling policy rather than a homeowners policy to cover your rental home. A dwelling insurance policy for a landlord may also cover the other structures on the property, theft of belongings, vandalism, loss of rent, and liability.
Home insurance policies generally won't cover flooding. If you live in an area prone to flooding, a flood insurance policy may help protect against damage to your home and personal belongings.
While homeowners insurance, sometimes referred to as house insurance, isn't mandated by law in any state, your mortgage company will typically require you to show proof of a policy before they'll fund your home loan or equity line of credit.
Even if you don't have a mortgage on your property, a homeowners policy may be valuable in protecting against damage to your property and belongings.
Learn more about homeowners insurance, from understanding coverages to pricing information. See all home insurance resources.
Homeowners insurance 101 Learn how homeowners insurance works, and what's typically covered.What is a homeowners insurance deductible? Learn what a deductible is, how it works, and tips for choosing the right amount.
Average homeowners insurance cost Find out more about home insurance pricing and the factors that can impact your cost.
Homeowners insurance for the first-time home buyer Learn how to shop for homeowners insurance with tips for first timers.
From low rates to flexible coverages, there are plenty of reasons to choose Progressive. See why our customers trust us for home insurance below. *
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September 1, 2024
Estoy satisfecho es lo que estaba buscando buena atención me explicaron bien gracias
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It was easy to get a quote and it was fast and Effortless getting a Policy.
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September 1, 2024
I am very happy with the service I recieved
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Δ Discount varies and is not available in all states or situations.
+ Discount availability and terms may vary by provider and state.
* As of February 2024, ratings are sourced by emailing a survey to a random sample of Progressive policyholders. Prior reviews were sourced from a sample of Progressive policyholders who opted into a survey via one of Progressive's digital platforms. The overall rating reflects a straight average of all survey results.
Progressive Home ® policies are placed through Progressive Advantage Agency, Inc. with insurers affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for the claims on its policies and pays PAA for policies sold. Prices, coverages and privacy policies vary among these insurers, who may share information about you with us. PAA's compensation from these insurers may vary between the insurers and based on the policy you buy, sales volume and/or profitability of policies sold. See a list of all the insurers that write Progressive Home policies, or contact us for more details.
How you buy your Progressive Home policy — directly through us (online, by mobile device or by phone) or through an independent agent/broker rather than PAA — determines which insurers are available to you. Use the Get a Quote link to get a rate from one of the insurers. Or contact us to see if we can get you a rate from any of the other insurers. Policies sold through agents and brokers are available from them and through https://www.progressiveagent.com.
Coverage and discounts not available in all states and situations. All coverage is subject to policy terms and conditions.
PAA and Progressive are not responsible for the content or operation of others' websites or how others handle or use your information.
Progressive Advantage Agency, Inc. (CA Lic #0F50053, TX Lic #1394132) is domiciled in Ohio, has its principal place of business at 6300 Wilson Mills Road, Mayfield Village, Ohio 44143, and does business in CA as Progressive Advantage Insurance Agency, Inc.
