Home Insurance Questions

We offer homeowners, condo, and renters insurance in most states, including coverage for mobile/manufactured homes.

Learn more about Progressive’s home insurance coverages.

Contact a licensed home insurance representative by calling 1-855-347-3939. Or, quote online with our HomeQuote Explorer tool.

Progressive uses a network of home insurance companies. Your provider will vary based on your location.

You can get a homeowners insurance quote online with Progressive, 24/7.

Access your policy by logging into Progressive and we’ll direct you to your home insurance provider.

The length of your quote will vary based on whether you quote online, over the phone, or with an agent. If you choose to quote online, you can often see your rates and coverages in minutes.

You can generally make changes to your policy anytime, including switching your provider, even if you escrow your home insurance. Make sure to let your mortgage lender know if you change home insurance companies.

Yes. We can customize a policy to meet the needs of your mobile or manufactured home. Get a mobile home insurance quote online or call 1-855-347-3939 and speak to a licensed representative about mobile home insurance.

If you have a motorhome or travel trailer, you may need to cover your vehicle with RV insurance, especially if your RV is not your primary residence.

Although there are several different types of home insurance policies, most contain the same basic components:

• Declarations Page: Usually the first page of your policy, your homeowners declaration page typically contains the following summary information:
  • Name and address of the insured
  • Dollar amount of coverage in the policy
  • Cost of the insurance
  • Description of the insured property
  • Name of the insurance company insuring the risk
  • Contact information
• Definitions: Explain the meaning of terms used in the policy.
• Coverage: Details the extent of protection for both property (house, structures, contents) and liability (bodily injury or property damage to others for which you are liable) in your homeowners insurance policy.
• Exclusions: Explanation of what is not covered by your homeowners insurance policy, under both property and liability coverage.
• Conditions: Outline the responsibilities of both the insured and insurance company under the policy. Your duties in the event of a loss and the procedures the company will follow to settle any losses are detailed here.
• Endorsements: Insurance riders, amendments or attachments that alter the standard coverage provided by your home insurance policy. If you choose endorsements for your policy, you may pay an additional premium for them.

Several factors may influence your rate, including:

• Home features and characteristics: A home's age, structure, wiring, type and age of roof, and garage can all affect your homeowners insurance premium.
• Location: Rates vary depending on local and regional location. Weather, local crime rates, and proximity to a fire hydrant can all factor into the cost of your home insurance.
• Protective devices: Burglar alarm systems, smoke detectors, fire extinguishers, and sprinkler systems keep your home safe and can lower your rate.
• Claims history: You may pay more for home insurance if you have prior home insurance claims.
• Personal characteristics: For example, smokers may have higher rates than nonsmokers, and a good credit history may lower your insurance premium (depending on your state and insurer).

Learn more about the factors influencing your average monthly home insurance cost.

Canceling a homeowners insurance policy and choosing not to renew it are two very different actions an insurance company can take.

Depending on your state, home insurance companies can only cancel an active policy during a policy term for a limited number of reasons. Some common reasons include the following:

• The policy has been in force less than a certain number of days, such as 60.
• You fail to pay the premium.
• You commit fraud or make misrepresentations on your application.

Nonrenewing a homeowners insurance policy is a decision your insurance company can make to discontinue coverage at the end of a policy term. Depending on your state, if your insurance company chooses not to renew your policy at the end of the policy term, they must notify you and provide an explanation within a specified time period. Contact your company if you disagree with the reason or want further explanation.

The renewal process can vary by provider, but some home insurance policies will automatically renew. Check with your provider.

Generally, unless you have tenants living in your home, occupants moving in and out of your home won’t affect your home insurance policy. However, you should notify your insurer about any changes in occupancy.

There are numerous factors affecting your rate for homeowners insurance, including your home’s location, characteristics, and roof type in addition to your credit score (in some states) and claims history. Your home insurance rate could also change based on renovations to your property.