Owning a home is a huge responsibility, and protecting that home is just as important. Choosing the right home insurance policy can sometimes feel overwhelming, so it’s important to do your research and understand all the benefits.
If you’re looking for comprehensive coverage and exceptional customer service, Progressive Home Insurance may be the answer you’ve been searching for. With decades of experience and a wide range of discounts, Progressive is one of the best home insurance providers in the US.
In this article, we’ll look at what makes Progressive Home Insurance stand out from other providers and why it may be a great option for you. We’ll also explore the various benefits and discounts offered by Progressive so you have all the information you need to make an informed decision about your home insurance needs.
Overview of Home Insurance With Progressive
You’ve worked hard to build the home of your dreams, and now you need to protect it. That’s where home insurance with Progressive comes in.
It’s important to understand what home insurance with Progressive can do for you. There are a few key benefits that can help you rest assured knowing your investments are secure.
First, you can have peace of mind knowing that your property is covered whatever the weather with broad coverage available on rental and owner-occupied dwellings. From hail damage to storm damage, Progressive has got you—and your home—covered.
Second, Progressive offers extras such as liability coverage, protection for your personal belongings, living expense coverage if you’re displaced from your home due to a covered loss and more.
Third, the process of applying for and renewing a policy is easy and hassle-free. Plus, with flexible payment options available, there has never been an easier way to keep yourself financially protected in the event of an unfortunate accident or incident at home.
Different Types of Plans Offered
When it comes to Progressive home insurance, you have several different types of plans from which to choose.
- Liability coverage: Liability coverage helps protect you from legal costs associated with a lawsuit resulting from property damage or bodily injury caused by you or your family members or pets.
- Dwelling coverage: Dwelling coverage provides financial protection if your home is damaged. It pays to repair or replace your home and the things inside it due to a covered event, like a fire, hail storm, or burglary.
- Personal property protection: Personal property protection covers the belongings in your home that are damaged due to an insured event, like broken windows or furniture destroyed by a fire.
These plans can be customized to meet your individual needs and budget- you can customize everything from the deductible amount you’re willing to pay in case of an accident to the cash value of any damaged items included in your claim. Progressive will work with you to help determine the best plan for your unique situation and provide personalized guidance through their agents along the way.
Advantages of Home Insurance With Progressive
When you get Home Insurance with Progressive, you enjoy the peace of mind that comes with knowing you’re covered when disaster strikes. You can choose an insurance policy that fits your needs and budget, so you don’t have to worry about being stranded without coverage when something unexpected happens.
Plus, there are several advantages that come with choosing Progressive for your home insurance:
Coverage Options
You can choose from a list of coverage options that include dwelling protection, personal property protection, liability protection, additional living expenses and more. That way, you’re sure to find a policy that fits the needs of your household and provides the coverage you require to protect what matters most.
Customer Service
When it comes to customer service, Progressive is top-notch. They will work with you one-on-one to help make sure that all the details of your policy are tailored to meet your unique needs—all while providing exemplary customer service. Plus they offer discounts like the ProgressiveHome Advantage Program which rewards customers who bundle more than one coverages into their home insurance policy.
24/7 Claims Service
At Progressive, they understand how stressful it can be when catastrophe strikes—but never fear! With their 24/7 claims service, you will have someone to turn to in times of need. Their dedicated team is just a phone call away should any issues arise throughout the claim process. So no matter what time it is or where you are in the U.S., Progressive has you covered in case anything unexpected happens.
What’s Covered in a Progressive Home Insurance Policy
When it comes to home insurance, one of the most important things you need to understand is what’s actually covered in a policy.
For example, with Progressive, you typically get coverage for:
- Your structure—the building itself and any attached structures like a garage or fence.
- Your personal property—things like furniture, appliances, electronics and clothing inside your home.
- Liability protection—in case someone gets injured on your property.
- Other structures like a shed or gazebo.
- Loss of use coverage—if you need to stay somewhere else while your home is being repaired, this covers those costs.
Plus, keep in mind that many policies cover damage from certain events like windstorms and fires, too. And if you ever need help understanding your coverage or filing a claim, Progressive has 24/7 claims service ready to assist you (and your claims won’t affect your policy premiums). It’s pretty amazing!
What’s Not Covered in a Progressive Home Insurance Policy
It’s important to know what’s not covered when it comes to Progressive home insurance. The following items are generally not covered:
Normal wear and tear
Your home insurance policy won’t cover normal wear and tear, like peeling paint or cracks in the foundation due to age—these are considered maintenance issues that need regular upkeep.
Certain acts of nature
If your lawn is damaged by unusually heavy rain, or a tree falls on your roof, you’ll most likely be on the hook for those costs. In some cases, a standard home insurance policy can cover certain acts of nature, but it varies with each provider.
Items like jewelry and furniture
Valuables like jewelry and furniture aren’t typically covered by a standard homeowner’s policy. However, you can often get optional coverage that may protect these items if they’re stolen or damaged during an insured event.
Before purchasing home insurance from Progressive (or from any other provider), make sure you take some time to review what’s covered and what’s not. That way, you can make sure you have the coverage you need for peace of mind.
Tips for Selecting the Best Policy for Your Home
Now that you understand the benefits of Progressive home insurance, here are a few tips to help you select the best policy for your home.
Pay attention to coverage limits
When selecting a policy, make sure you check the coverage limits to ensure they are appropriate for your needs. Don’t be fooled by attractive premiums that may not take into account your property and its real value—the cost to replace all of your belongings in the event of a homeowner disaster.
Consider additional coverages
In addition to basic coverage types like dwelling, personal liability, and medical payments, you can purchase additional coverages from Progressive such as water backup damage, identity protection, or additional liability protection.
Weight the value of customer service and discounts
Another important consideration when selecting a policy is customer service—how quickly will your claims be processed? What level of personalized advice can you receive before purchasing a policy? Be sure to also ask about discounts it may offer like bundling multiple policies together or discounts with certain retailers.
By considering all these factors carefully when selecting your home insurance policy with Progressive, you will be more likely to get the most bang for your buck while protecting one of your biggest investments.
Conclusion
Home insurance with Progressive is a smart way to protect your investment and enjoy peace of mind knowing that your home and possessions are covered. With industry-leading coverage options, excellent customer service, and attractive discounts, Progressive makes it easy to secure the right policy for you and your family. Plus, your premiums will be backed by the highest financial ratings in the industry, so you can rest assured that you’re getting coverage from a reliable and dependable company. So don’t wait another day to get the coverage you need and start saving money with Progressive home insurance today.