Yes, Progressive sells renters insurance in all 50 states
Progressive offers renters insurance as a standalone policy and as an add-on to existing auto or home policies. You can buy it directly through Progressive's website, by phone, or through an agent. The company is licensed to sell renters coverage in every state, though the specific coverage options and prices vary by location.
Progressive's renters policies cover your personal belongings (furniture, electronics, clothing), liability if someone is injured in your rental unit, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Like all renters insurance, it does not cover the building itself — that is the landlord's responsibility through their property insurance.
The cost depends on your location, the coverage limits you choose, your deductible, and your claims history. Progressive offers discounts for bundling with auto insurance, paying in full upfront, and maintaining a good driving record, though the exact discounts available to you depend on your state and personal situation.
Key Takeaways
- Progressive sells renters insurance in all 50 states and lets you buy online, by phone, or through an agent.
- Coverage includes your belongings, liability protection, and additional living expenses, but not the building itself.
- Your price depends on location, coverage limits, deductible amount, and claims history.
- Bundling with an auto policy and paying upfront are the most common ways to lower your premium with Progressive.
- You can get a quote without providing personal information, though a full quote requires your address and rental details.
How to get a Progressive renters insurance quote
Go to Progressive's website and select "Renters" from the insurance type menu. You will need your rental address and move-in date. Progressive will ask whether you want to bundle with an existing auto or home policy — bundling usually lowers the total cost for both policies.
The quote process takes about 10 minutes. Progressive shows you coverage options at different price points, so you can see what happens when you raise or lower your deductible or increase your personal property coverage limit. You do not have to buy when ready; you can save a quote and return to it later.
If you already have a Progressive auto policy, you can add renters coverage to your account online in a few minutes. The system will pull your existing information and show you the new combined premium.
What Progressive renters insurance covers and what it does not
Progressive's standard renters policy covers personal property (belongings you own inside the rental), personal liability (if you accidentally injure someone or damage their property), and additional living expenses (hotel, food, other costs if your rental is uninhabitable after a covered loss). Most policies also include coverage for loss of use, which pays for temporary housing.
The policy does not cover the building structure, which is the landlord's responsibility. It also does not cover damage from floods, earthquakes, or war. Certain high-value items like jewelry, art, or collectibles may have sub-limits (lower maximum payouts) unless you add a rider. Damage from lack of maintenance, normal wear and tear, or intentional acts is not covered.
Progressive offers optional add-ons like identity theft protection and coverage for items in storage. You can also increase your personal property limit if the standard amount is not enough for your belongings.
Deductibles and coverage limits with Progressive
Progressive typically offers deductibles of $250, $500, $1,000, or $2,500. A higher deductible lowers your monthly premium; a lower deductible raises it. The deductible is what you pay out of pocket when you file a claim — Progressive pays the rest up to your coverage limit.
Personal property coverage limits usually start at $15,000 and go up to $100,000 or more, depending on your state and what you own. Liability coverage typically starts at $100,000. You choose these limits when you buy the policy, and you can change them at renewal or when you make changes to your policy.
If you have expensive items like a laptop, camera, or jewelry, check whether they fall within the standard coverage limit or need a rider. Progressive's quote tool shows you the limits available in your state.
Bundling renters insurance with Progressive auto or home policies
If you already have a Progressive auto policy, adding renters insurance usually costs less than buying it separately. The discount amount varies by state and your personal situation, but bundling typically saves 5 to 15 percent on your total premium. You can see the bundled price before you commit.
You can also bundle renters with a homeowners policy if you own a home and rent out part of it, though that situation is less common. The bundling discount applies to both policies, so your auto premium may go down slightly when you add renters coverage.
Bundling is optional — you do not have to buy from Progressive for both policies. But if you already have auto insurance with them, checking the bundled price takes less than a minute on their website.
How to file a claim with Progressive renters insurance
You can file a claim online through your Progressive account, by phone, or through the Progressive mobile app. For urgent situations (fire, theft, break-in), call the claims line when ready so Progressive can document the loss and begin the process.
When you file, have ready: photos of the damaged or stolen items, receipts or proof of purchase if you have them, a list of what was lost or damaged, and the date the loss occurred. Progressive will assign an adjuster who will contact you to discuss the claim and may ask for additional information.
The time to resolve a claim depends on the type of loss and how much documentation you provide. straightforward claims (a stolen laptop with a receipt) may be resolved in days; complex claims (damage to many items) may take weeks. Progressive will tell you the expected timeline when the adjuster contacts you.
Discounts Progressive offers on renters insurance
Progressive's most common discounts are bundling with auto insurance, paying your annual premium in full instead of monthly, and maintaining a clean driving record. Some states also offer discounts for completing a safety course, having a security system in your rental, or being a student.
The discounts available to you depend on your state, your claims history, and your personal situation. When you get a quote, Progressive shows which discounts you may have access to for and how much each one saves you. You can explore or remove discounts before you buy.
Discounts are not automatic — you have to select them during the quote or policy setup process. If you think you may have access to for a discount you do not see listed, call Progressive to ask whether it is available in your state.
Frequently Asked Questions
Can I buy Progressive renters insurance if I have a bad credit score?
Yes. Progressive does not require a credit check to buy renters insurance, though some states allow insurers to use credit information in pricing. Your credit score will not prevent you from getting a quote or buying a policy. Your rental history, claims history, and driving record matter more.
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. Your roommate needs their own separate renters policy to cover their items. Both of you can buy from Progressive or different companies — there is no requirement to use the same insurer.
What happens if my landlord requires me to have renters insurance?
Some leases require tenants to carry renters insurance. If yours does, you will need to show your landlord proof of coverage — usually a declarations page from your policy. Progressive can email or mail you this document. Having a policy does not change your relationship with your landlord; it only protects your belongings and covers your liability.
Can I cancel my Progressive renters policy anytime?
Yes. You can cancel online, by phone, or through the app. Most states allow you to cancel without penalty, though some require a short notice period (usually 10 to 30 days). If you paid for the full year upfront, Progressive will refund the unused portion.
Does Progressive renters insurance cover damage I cause to my rental?
No. Renters insurance covers your personal belongings and your liability to others, not damage you cause to the building. Damage to the rental itself is the landlord's responsibility through their property insurance. If you cause damage, your landlord may pursue you for repairs, which is why liability coverage is important.