Yes, Progressive offers renters insurance as a standalone policy and as an add-on to auto insurance
Progressive sells renters insurance in all 50 states. You can buy it on its own or bundle it with an auto policy. The company quotes and binds policies online, and you can typically start coverage the same day you purchase.
Progressive's renters policies cover your personal belongings inside the rental unit, liability if someone is injured in your home, and additional living expenses if the unit becomes uninhabitable due to a covered loss. The company also offers optional add-ons like water backup coverage and identity theft protection, though these vary by state.
Key Takeaways
- Progressive renters insurance covers your belongings, liability, and additional living expenses if you need to move out temporarily.
- You can buy a policy online and start coverage the same day, with quotes available when ready.
- Bundling renters insurance with an auto policy often lowers the total cost of both.
- Progressive allows you to customize coverage limits and deductibles to match your needs and budget.
- Optional add-ons like water backup and identity theft protection are available in most states.
How to get a Progressive renters insurance quote
Go to Progressive's website or call 1-800-PROGRESSIVE to start a quote. You'll need basic information: your address, move-in date, and details about your rental unit (number of bedrooms, construction type, security features). The quote takes about 10 minutes online.
Progressive will ask how much coverage you want for personal property — this is the dollar amount the company will pay if your belongings are damaged or stolen. Most renters choose between $15,000 and $50,000, though you can set a custom amount. You'll also choose a deductible (typically $250, $500, $1,000, or higher), which is what you pay out of pocket if you file a claim.
If you already have a Progressive auto policy, the quote will show you the bundled price. Progressive typically discounts the renters policy when you combine it with auto coverage.
What Progressive renters insurance covers
The standard policy covers three main things. Personal property coverage pays to repair or replace your belongings — furniture, electronics, clothing, kitchenware — if they're damaged by a covered peril like fire, theft, or windstorm. This coverage applies inside your rental unit and also covers your belongings temporarily outside the home (like a laptop at a coffee shop).
Liability coverage pays if someone is injured inside your rental unit and sues you for medical bills or damages. It also covers damage you accidentally cause to someone else's property. Progressive's standard liability limit is usually $100,000, though you can increase it.
Additional living expenses (also called loss of use) pays for a hotel, meals, and other costs if the rental unit becomes unlivable after a covered loss. This coverage typically reimburses you for up to 12 months of extra expenses.
What Progressive renters insurance does not cover
Renters insurance does not cover damage to the building itself — that's the landlord's responsibility through their property insurance. It also does not cover damage from floods, earthquakes, or war, though Progressive sells separate flood insurance in some states.
The policy does not cover damage from normal wear and tear, maintenance issues, or pest infestations. If a pipe bursts because it was old and corroded, that's typically not covered. If a pipe bursts suddenly from freezing, it usually is. The distinction matters, and Progressive's policy documents spell out which scenarios fall into each category.
High-value items like jewelry, art, or collectibles may have coverage limits lower than the rest of your belongings. If you own items worth more than a few thousand dollars, you can add scheduled personal property coverage to insure them separately at their full value.
Optional add-ons and endorsements
Progressive offers several optional coverages you can add to a renters policy. Water backup coverage pays for damage from sewage or water backing up into your unit through drains or sump pumps — a common claim in basements or ground-floor apartments. Identity theft coverage reimburses you for costs if someone steals your personal information and opens accounts in your name.
Scheduled personal property coverage insures specific high-value items at their full replacement cost, without a deductible. Loss assessment coverage applies if your landlord or condo association bills tenants for damage to common areas. Availability of these add-ons varies by state.
When you get a quote, Progressive will show you which add-ons are available in your area and what each one costs. Adding one or two often costs only a few dollars per month.
How much Progressive renters insurance costs
Progressive renters policies typically cost between $10 and $25 per month, though the actual price depends on your location, coverage limits, deductible, and the details of your rental unit. Renters in urban areas or buildings with older wiring may pay more. A higher deductible or lower coverage limit will lower your premium.
Bundling with an auto policy usually saves 5 to 15 percent on the renters premium, though the exact discount varies. Progressive also offers discounts for things like having a security system, paying your premium in full upfront, or going paperless.
The only way to know what you'll pay is to get a quote with your actual address and coverage choices. Progressive's online quote tool shows the price before you commit to anything.
How to buy and set up a Progressive renters policy
After you receive your quote online, you can bind the policy when ready by paying the first month's premium. Progressive accepts credit cards, debit cards, and bank account transfers. Once payment clears, your coverage starts on the date you choose — usually the same day or the next day.
You'll receive a policy document and declarations page by email, which you should save and share with your landlord. If you ever need to file a claim, you'll contact Progressive's claims department by phone or through the mobile app. Most renters claims are resolved within a few days to a few weeks, depending on the type of loss.
You can manage your policy online or through Progressive's mobile app: update your address, change coverage limits, make payments, or view your policy documents anytime.
Frequently Asked Questions
Can I bundle Progressive renters insurance with other types of insurance?
Yes. Progressive bundles renters insurance with auto policies most commonly. If you have a Progressive home or condo policy, you can bundle renters coverage with that as well. Each bundle typically earns a discount on both policies.
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 should buy their own renters policy to cover their possessions. Both policies can exist in the same apartment without conflict.
What happens if I move before my policy expires?
Contact Progressive with your new address, and the company will update your policy. If you're moving to a different state, Progressive will re-quote your policy because rates and available coverage vary by location. You may be able to keep the same policy with a new address, or you may need to purchase a new one.
Does Progressive offer month-to-month renters insurance?
Progressive typically requires a six-month or annual policy term. You can cancel anytime, though you may owe a cancellation fee depending on your state and how long you've had the policy. Check your policy documents or call Progressive to confirm the cancellation terms before you purchase.
Can I get a Progressive renters policy if I have a poor credit score?
Progressive does not require a credit check to buy renters insurance in most states. The company may use other factors like your claims history or driving record, but credit score is typically not a barrier to getting a quote or purchasing a policy.