Homeowners Insurance

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We make getting a homeowners insurance quote as simple as possible

Homeowners insurance protects against damage to your home and belongings from covered perils, while safeguarding your assets if you're liable for someone else's injuries or property damage. Compare homeowners insurance quotes and coverages from multiple providers through HomeQuote Explorer®. You'll get a side-by-side view of the policy quote price and all that's included, making it clear how much coverage you're getting for the price.

Simply enter your information once and we'll match you with policies based on your input. It's peace of mind for your home and your assets, all at your fingertips.

Who said shopping around had to be hard?

WAYS TO SAVE

Affordable home insurance that helps you save

Bundle auto and homeowners insurance

Save an average of 7% on car insurance when you combine Progressive home and auto.^Δ

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Quote in advance

Plan and save when you get a homeowners insurance quote at least a day before your policy’s start date.^†

Alarm systems and safety devices

You may qualify for discounts if you have a burglar alarm, automatic fire protective sprinklers, or a centrally monitored security system in your home.

New purchase

You may qualify for a discount when you purchase a new home (doesn't have to be newly built).

See all homeowners discounts

WHY CHOOSE PROGRESSIVE?

Savings

Homeowners who switch to Progressive and bundle with auto save over $950 on average.^*

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Ease

We do the work for you to find you the best coverage and the best rate to fit your lifestyle and budget.

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Confidence

We're one of the top 15 homeowners insurance carriers in the nation with an A+ rating from A.M. Best for all Progressive personal lines companies.^**

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Homeowners insurance that fits your budget

The following coverages come standard with a typical homeowners policy, and the coverage limits can differ based on your unique needs. We'll help you find the right amount of coverage to give you peace of mind without paying for more than what you need.

Dwelling

Dwelling coverage may pay to repair or rebuild your house if it's damaged 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. You may also be protected if interior components such as walls, kitchen cabinets, and countertops are also damaged.

Loss of use

Loss of use coverage may pay for additional living expenses above what you'd typically pay if you're unable to stay in your home while repairs are made due to a covered loss.

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.

Liability

Personal liability coverage helps protect your assets if you or your family members are liable for someone else's damage or injuries, up to your policy's limits.

Example: A delivery person falls on your steps and breaks their arm. If you're found liable, your homeowners insurance may cover their medical bills and lost wages.

Personal property

Personal property coverage helps pay to repair or replace furniture, clothes, electronics, tools, and other belongings if they're destroyed in a covered loss up to your policy's limit.

Example: Someone breaks into your home and steals your cellphone and work equipment. Your home insurance policy may pay to replace the stolen items, up to the limits of your policy and minus your deductible.

See all homeowners coverages

What determines the cost of homeowners insurance?

The cost of a homeowners insurance policy is determined by several factors, including the home's ZIP code, the home's value, and any special endorsements for such things as fine art, jewelry, etc.

The weather in your area can also affect your rate. If you live on a coastline that's prone to hurricanes or if you live in a dry, densely forested wildfire zone, your rate could be affected. Learn more about how your homeowners insurance can be impacted based on where you live:

Common questions about homeowners insurance

Check out these home insurance FAQs, and explore our homeowners insurance FAQ page for more information.

Standard home insurance policies may cover a variety of situations, up to your coverage limits and minus any deductible:
- A windstorm causes damage to your roof. Dwelling coverage may pay to repair it.
- Your home is burglarized. Personal property coverage may pay to replace stolen items, up to your policy's limits.
- A fire burns down your detached garage. Your other structures coverage may pay to rebuild it.
- A guest slips on your kitchen floor and breaks their wrist. Medical payments coverage may cover their medical bills.
Learn more about what homeowners insurance covers.
The amount of coverage you need depends on the amount of stuff you have to insure. Our personal property calculator makes it easy to add up the value of your belongings so you can determine the right personal property coverage amount for you. Once you know your personal property amounts, you can use our home insurance calculator to estimate about how much home insurance you need.
It's never been easier to get an affordable and accurate home insurance quote online. We'll ask a few simple questions to help you find a policy that best protects your home and family, including the following:
- Who lives with you?
- Are you running a home-based business?
- When was your home built?
- How old is your roof?
- Do you have home insurance now?
Homeowners insurance isn't mandated by law in any state, but 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.