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LAST UPDATED: March 31st, 2021

The Progressive Group began in 1937 as an auto insurer and over time has expanded its services. Today, Progressive offers several different types of insurance coverage, including health, travel, home and property, vehicle and recreational, wedding, event, and more. It is the third-largest auto insurer in the United States and one of the top sellers of motorcycle and commercial auto insurance.

Top Ranked Companies


The Good

  • Online Quotes
  • Competitive Coverages
  • Discounts

Online Quotes

With Progressive, you can view renters insurance quotes online. This convenience makes it easy to view your options. Online quotes are commonly offered by insurance companies.

Competitive Coverages

Progressive's renter's insurance has four basic coverages that come standard in any policy: Personal property, loss of use, personal liability, and medical payments. The personal property coverage covers furniture, clothes, electronics, and more. Coverage even applies if the belongings are in a car, storage unit, or anywhere in the world.

Loss of use covers tenants if their home is damaged due to a covered loss. The coverage includes things like hotel fees, rent, and food expenses.

Personal liability is for cases where a guest is injured on the tenant's property. Liability coverage pays for things like lawyers, court fees, and injuries you're liable for.

Medical payments will cover the medical bills if a guest is hurt on the tenant's property.

Consumers also have a few options for additional coverage, should they want it.

Customers can add coverage for water back-up, which covers water damage from backed-up sump pumps and sewers as well as personal injury, which provides coverage for legal fees and additional damages from slander or libel lawsuits. Including this optional coverage in your renters policy offers more protection.


While several factors will affect the final total of renters insurance, Progressive offers a few discounts to help lower the cost of your renters insurance policy.

Customers can save 5 percent when bundling their renter's insurance with auto insurance. However, customers can also bundle their motorcycle, boat, renters, and more and could possibly get even more discounts.

Additionally, consumers can get discounts in the following instances:

  • Getting a Quote in Advance — consumers who get a quote at least three days before their policy begins will get a discount
  • Receiving Documents via Email — allowing Progressive to send documents by email will also result in a discount
  • Pay in Full — pay for a policy upfront and in full
  • Secured/Gated Community — earn a discount for driving by a security guard or using a key/remote to enter a gated complex or community

Although other insurers offer a discount for paying in full, the other insurance premium discounts offered by Progressive stand out.


The Bad

  • Flood Insurance Not Included
  • Few Customer Reviews

Flood Insurance Not Included

Progressive's basic renter's insurance coverage doesn't cover any damage caused by floods. Customers will have to get flood insurance separately.

Progressive's basic renter's insurance coverage doesn't cover any damage caused by floods. Customers will have to get flood insurance separately.

Few Customer Reviews

There are not many Progressive renters insurance reviews on Currently, conclusions about the customer experience are unavailable.


The Bottom Line

Consumers looking for basic renters insurance coverage can find it with Progressive. There are a few extra add-ons in case you need more coverage, but nothing too impressive.

Consumers can quickly get a quote from the insurance company, simply by filling out a short online form. Progressive also offers plenty of discounts to help lower your final insurance rates.

Although more customer insight would help gauge the customer experience, a Progressive renters insurance policy is worth considering.

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