Progressive Home Insurance Review 2020

Progressive Home Insurance

Transparency, empowerment, innovation, and efficiency — all these characteristics make Progressive Home Insurance Company proud of themselves. The approach of this company is always customer and employee-focused. Customers are often happy with Progressive insurance company as they get competitive pricing with quality overage. Moreover, the company is always looking forward to the industry-leading innovations. Besides, the employees are content with the company as the workforce is quite diverse, flexible, legitimate, and comprehensive. Progressive tends to run an insurance foundation through which they invest in education and local communities. All these qualities of this insurance company imply that it is not just an insurance company. 

J. D. Powers rated Progressive 3 out of 5 when it came to customer satisfaction, but our experience with Progressive is even more pleasant than that. You are likely to find no problem while conducting with Progressive on the internet as they have a user-friendly interface on their website. You can easily navigate to the options that you look for. Besides, the resources that they update on their website are very helpful. Depending on the location, you will get a wide range of discounts. They have a tool named HomeQuote Explorer that enables you to get the hang of the rates, with the comparison with their competitors. If you happen to have a strict budget, it is not going to be a big deal; as long as you are availing insurance from Progressive. The company has another tool called Name Your Price. This tool enables you to determine what price you can afford. It will also give you a quote with coverage options. 

Therefore, if you are someone who needs home insurance coverage at a reasonable price, Progressive might be your ultimate choice. With the helping hand of this company, you can have a positive social impact in your company. 

The Pricing

The geographical location, age, type, crime rates, fire hydrants, etc. will play a huge role in home insurance pricing. Not only with Progressive Home Insurance, but these aspects are greatly considered with other companies as well. Understandably, you have no hand in your geographical location, but when you opt for buying a house, you should consider the age and type of the home. If you want to have a lower premium, you should look for a newer home. Because insurance companies tend to set higher premiums on homes that are quite older. Besides, try to buy a house that has a new roof. It attracts insurance companies, whereas they dread aging roofs. 

As a point of reference, pricing for medium-cost states that come with Progressive should be taken into consideration. Medium-cost states of Progressive pay an average annual premium of $1,162. It is even below the national average of $1,173.

Customer Service and Experience

Considering the policy offerings, the billing process, prices, policy information, interactions, claims, and overall satisfaction, J.D. Powers rated Progressive 3 out of 5. Besides, customer reviews on Customer Affairs have also depicted that Progressive gets a 3.5 out of 5 when it comes to customer satisfaction. According to the National Association of Insurance Commissioners (NAIC), Progressive got above the national average number of complaints in 2018. 

Coverage

It is normal to think that you only get home insurance to protect your home. But, ideal homeowners insurance is much more than that. Not only the home itself but also you get to preserve a lot of other underlying things. Below we made a rundown for you to get an idea about what Progressive home insurance policy covers: 

  • Dwelling: progressive will cover the damage that causes to your house. If anything is attached to the damage, they will cover that too. Things that might be attached to the damage may include the deck, garage, flooring, etc. 
  • Other Structures: You also get coverage for other detached structures such as detached driveways, patios, garages, fences, etc. 
  • Personal Liability: This coverage will help you cover the fees that come with your attorney, court, and other damages that you are liable for. There are times when we get sued by others as we cause damage to them. They get injured or damaged while on our property. In such a devastating situation, this type of coverage is the only solution for you. 
  • Personal Property: Whether your personal property is situated in your home or not, Progressive will cover any of your personal property. 
  • Medical Payments: If someone gets hurt while on your property, this coverage will pay the medical bills. 
  • Loss of Use: If your home gets damaged or it becomes inhabitable, you will get coverage from the company for lying expenses. It is more like a calamity coverage. 
  • Personal Injury: Legal fees associated with a variety of personal injury lawsuits can be covered with this type of coverage. 

Progressive can be an ideal option when you live under a state of calamity. Some places are very vulnerable to earthquakes, floods, sinkholes, mudslides, etc. Progressive Homeowners Insurance can effectively cover these things under a separate policy. 

Deals, Discounts, and Add-ons

When you go with Progressive, you have a lot of options for homeowners discounts. But, before you secure your home with insurance, you should talk to your Progressive agent to determine what discounts are available for you. Here we look at a list of deals, discounts, and add-ons.  

  • Home and Auto Bundle
  • Quote in advance
  • Pay in full
  • Alarm systems and safety devices 
  • New purchase
  • New home construction 

Using Progressive recommended contractors for home damage repair can also save you a few hundreds of bucks over the course. 

Financial Strength, Availability and History

Progressive has been playing a significant role in the industry since 1937. The ultimate goal of Progressive still remains to be the number 1 choice of consumers. Their thinking is forwarding and every step they make, they make sure that it is innovative. A.M. Best and S&P rated the company to be an A+ for consumers. Being top rated. By these reviewers means that customers can rely on Progressive as it is a financially secure insurance company. 

Over to You

In a nutshell, Progressive Home Insurance is an average insurance policy in the industry which can benefit you with regards to its pricing, billing, customer service, and other general operations. The innovative technology of this company makes sure that each customer has top-notch service and goes back to their home with 100% satisfaction. The website of Progressive is enough to answer if you have any question in mind. No matter what information you need, visiting the website can ensure that you have all the information on the screen of your computer’s monitor. The competitive rates and an abundance of convenience set the company apart from others. 

If you are a homeowner and require home insurance, if you want to build a good relationship with companies that have a positive social impact, you should not look further. Progressive is the company that you have been looking for these days. It can fill each criterion of your home insurance needs. 

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