Progressive home insurance is a type of homeowners insurance that offers higher rates for properties with a history of damage or theft.
This type of coverage can be extremely beneficial if you live in an area that is prone to crime, or if you own valuable items that could easily be stolen.
The most important thing to keep in mind when choosing progressive home insurance is that your rates will vary depending on a number of factors, including the type of property you own, how much coverage you need, and where you live.
If you're not sure whether or not this type of policy is right for you, speak with a qualified agent who can help guide you through the process.
What are the standard homeowners insurance coverages?
Standard homeowners insurance policies typically include coverage for damage to your home, possessions inside the home, and liability protection in case someone is injured while visiting or belonging to your property. Coverage may also extend to personal injury if someone is harmed while on your property, as well as theft and vandalism.
Dwelling coverage typically includes protection for your home and possessions inside it, as well as any improvements you have made to the property. This type of policy can protect you in case of a fire, natural disaster, or storm that damages your home.
Other structures may also be covered under a standard homeowners policy, depending on the terms and conditions of your policy. This could include garages, sheds, decks, and fencing.
Personal possessions, including clothing, jewelry, and electronics, can also be protected under a standard homeowners policy. This coverage can help protect you if something is stolen from your home or if damage occurs to any of your belongings while they're inside.
Many standard homeowners policies include liability protection for members of your household associated with the property.
This could include owners, renters, contractors working on the property, and anyone else who may have access to it during an event. If someone is injured as a result of something that occurred on the property, whether that was negligence or intentional wrongdoing.
Many policies also include coverage for medical expenses in the event that someone is injured while on your property. This could cover hospitalizations, doctor fees, and other costs related to treating an injury.
What are the benefits of progressive home insurance?
There are a number of reasons why opting for progressive home insurance may be advantageous. For one, rates can be higher for properties that have a history of damage or theft.
This is because Progressive typically assumes more risk with these types of policies, and as a result will chargers accordingly. In addition, this type of coverage can protect you from costly personal injuries or wrongful legal action if something unfortunate happens on your property.
Finally, it's important to note that Progressive offers 24/7 customer support and dedicated claims representatives who are available to help.
Perils: What you're protected against In the event of damage or theft
Progressive home insurance typically covers a range of potential perils. These can include:
Property damage: This includes anything from broken windows to total structural destruction.
Losses caused by someone else: If you're the victim of burglary, for example, your policy may cover any stolen items as well as medical expenses related to the attack.
Personal injuries sustained while on your property: This could include accidents while trying to enter or exit the house, being attacked while outside, and more catastrophic incidents like fire or flood.
Some of the perils that are typically covered
by home insurance policies include fire, theft, and natural disasters. Progressives believe that all people should have access to affordable, high-quality home insurance. To this end, they support legislation that would make it easier for insurers to provide coverage for homes of all shapes and sizes.
What's not covered?
Not all types of home insurance are created equal. Some policies may not cover expenses such as flood recovery, earthquake repairs, or replacement cost coverage for items such as furniture and appliances.
Get a free homeowners insurance quote online or call for advice
on getting the right policy for your needs.
A progressive home insurance policy can offer you a variety of benefits that may appeal to you, such as:
- Protection against property damage or loss in the event of an unexpected incident
- Increased coverages for valuable belongings, including antique furniture and artwork
- Enhanced protection from liability claims arising from incidents occurring on your property
Get a quote call 1-855-347-3939.
What are some reviews of Progressive Insurance?
Some reviews of Progressive Insurance are positive, citing a wide range of services offered. Some reviewers mention that the insurance company offers excellent customer service and is easy to deal with.
Does Progressive insurance really find the best rates for you?
Yes, Progressive does have the best rates for homeowners insurance in most cases. In fact, our rates are often almost 20% cheaper than the industry average.
Plus, the policy options allow you to customize a plan that fits your specific needs and budget. So whether you're looking for basic coverage or high-upside extras like property damage liability insurance, Progressive has got you covered.