Yes, Progressive sells renters insurance in most states

Progressive offers renters insurance as a standalone policy in 48 states, plus Washington D.C. The two states where it is not available are New Hampshire and Wyoming. You can get a quote online, by phone, or through a local agent. Progressive also bundles renters coverage with auto insurance if you already have a car policy with them, which often comes with a discount.

Progressive's renters policies cover your personal belongings (furniture, clothes, electronics), liability if someone is injured in your rental unit, and additional living expenses if your apartment becomes uninhabitable after a covered loss. You choose your coverage limits and deductible, which affects your monthly premium. Most renters can get a quote in under five minutes on Progressive's website.

Key Takeaways

  • Progressive renters insurance is available in 48 states and Washington D.C., but not in New Hampshire or Wyoming.
  • You can purchase a standalone renters policy or bundle it with an auto policy for a potential discount.
  • Coverage includes personal property, liability protection, and additional living expenses if your apartment becomes unlivable.
  • Quotes are available online, by phone, or through a local Progressive agent, and the online process typically takes under five minutes.

How to get a Progressive renters quote

Start by visiting Progressive's website and selecting "Renters" from the insurance type menu. You will enter your zip code, move-in date, and basic information about your rental unit (whether it is an apartment, house, or condo). Progressive will ask about the square footage and construction type of the building.

Next, you provide details about your belongings — the total value of items you want covered. This includes furniture, electronics, clothing, and anything else you own. Progressive uses this to calculate a base premium. You then choose your deductible (the amount you pay out of pocket if you file a claim) and any additional coverage options, such as higher limits for jewelry or electronics. Progressive shows you the final monthly or annual price before you commit.

If you prefer to speak with someone, you can call Progressive's renters line or find a local agent through their website. Agents can walk you through the same questions and answer questions about what different coverage limits mean for your situation.

What Progressive renters policies cover

Personal property coverage pays to repair or replace your belongings if they are damaged or stolen due to a covered event — fire, theft, windstorm, vandalism, and others. The policy lists what is and is not covered. For example, most renters policies do not cover damage from flooding or earthquakes unless you add those as separate endorsements.

Liability coverage protects you if someone is injured at your rental unit and sues you for medical bills or other damages. This typically starts at $100,000 in coverage but can be increased. Medical payments coverage (separate from liability) pays a small amount — usually $1,000 to $5,000 — for minor injuries to guests, even if you are not found legally responsible.

Additional living expenses coverage pays for hotel, food, and other costs if your apartment becomes unlivable after a covered loss and you have to move out temporarily. This coverage usually has a limit, such as $10,000 or $15,000, depending on the policy you choose.

Discounts Progressive offers on renters insurance

Progressive discounts vary by state and by your personal situation. Common discounts include bundling renters with auto insurance (often 10 to 20 percent off), paying your full premium upfront instead of monthly, and having safety features in your rental unit such as deadbolts, smoke detectors, or a security system.

Some customers also receive discounts for being a student, a member of certain professional organizations, or having a good credit score. Progressive updates its discount offerings regularly, so the discounts available to you depend on your state and the information you provide during the quote process. The quote tool shows which discounts you are may be able to access for before you purchase.

How Progressive renters claims work

If you need to file a claim, you can start the process online through your Progressive account, by phone, or through the Progressive mobile app. You will describe what happened, the date of the loss, and which items were affected. Progressive asks you to provide photos, receipts, or other proof of what you owned and what was damaged or stolen.

A Progressive adjuster will review your claim and determine what is covered under your policy. If your claim is approved, Progressive pays you based on the coverage limits and deductible you chose. The time it takes to process a claim varies — some are resolved in days, while others take longer if more investigation is needed.

How Progressive renters compares to other insurers

Progressive is one of several major insurers that sell renters policies. Other large renters insurers include State Farm, Allstate, GEICO, and Lemonade. Prices vary significantly between insurers for the same coverage, so getting quotes from multiple companies is worth your time. A policy that costs $15 per month with one insurer might cost $25 with another.

Progressive is known for fast online quotes and a straightforward claims process. If you already have auto insurance with Progressive, bundling renters coverage may be cheaper than buying from a separate company. However, the lowest price is not always with Progressive — compare quotes before deciding.

What happens if you do not have renters insurance

If your apartment is damaged by fire, theft, or another covered event and you do not have renters insurance, you bear the full cost of replacing your belongings. Your landlord's insurance covers the building itself, not your personal property. If someone is injured at your apartment and sues you, you are personally responsible for legal fees and damages unless you have liability coverage.

Many landlords require renters insurance as a condition of the lease, so not having it could put your tenancy at risk. Even if your landlord does not require it, the financial risk of losing your belongings or facing a lawsuit makes renters insurance a practical safeguard for most renters.

Frequently Asked Questions

Can I add renters insurance to my Progressive auto policy?

Yes. If you have auto insurance with Progressive, you can add renters coverage to your account. This is called bundling, and it usually qualifies you for a discount on both policies. You can add renters coverage online or by calling Progressive.

What is not covered by Progressive renters insurance?

Standard renters policies do not cover flood damage, earthquake damage, or wear and tear. Damage from pests, mold, or lack of maintenance is also excluded. You can add flood or earthquake coverage as separate endorsements if you want protection for those events, though they cost extra.

How much renters insurance do I need?

You need enough to cover the replacement cost of your belongings. Make a list of what you own — furniture, electronics, clothing, kitchen items — and estimate what it would cost to replace everything. Most renters choose coverage between $15,000 and $30,000, but your situation may differ. Progressive's quote tool lets you adjust coverage limits to match your needs.

Can I get renters insurance if I have been denied before?

Denial from one insurer does not mean all insurers will deny you. Progressive evaluates applications based on its own underwriting standards. If you were denied elsewhere, you can still request a quote from Progressive. Be honest about the reason for the previous denial when you explore.

Does Progressive renters insurance cover my roommate's belongings?

No. A renters policy covers only the belongings of the person whose name is on the policy. If you have a roommate, they need their own renters policy to cover their personal property. Each person's policy covers only their own items and their own liability.