How much coverage do you need?

The right amount of homeowners coverage is based on how much it would cost to rebuild your home, in case of a covered loss, as well how much you have in personal property and assets. Use our home insurance calculator to help estimate coverage limits. If you're unsure how much coverage you need for your belongings, our personal property calculator makes it easy to itemize your belongings and estimate their value.

What do the terms on a homeowners policy mean?

If you're not sure what everything listed on your policy means, don't worry — you're not alone. We recognize that "insurance speak" isn't a common language, which is why we made a homeowners insurance glossary to help you read your policy and other corresponding documents.

Does homeowners insurance cover a rental property?

If you rent out a house to tenants or if your rental property is unoccupied, a dwelling policy can cover your rental home . Dwelling policies, designed for landlords, may also cover damage to other structures on the property, vandalism, and loss of rent if your tenant is unable to live in the home due to a covered loss, and liability.

Does homeowners insurance cover flooding?

Homeowners insurance policies generally won't cover flooding. If you live in an area prone to flooding, a separate flood insurance policy may help protect against damage to your home and personal belongings.

Is home insurance tax deductible?

Homeowners insurance is generally not tax-deductible. Consult a tax professional for more details, but you may qualify for a homeowners insurance tax deduction if you have a home-based business.

Is homeowners insurance required?

Homeowners insurance isn't mandated by law in any state, but your mortgage company typically requires you to show proof of a policy to qualify for a home loan or equity line of credit. Even if your home is paid in full, your home may be your most valuable asset, so you might consider protecting it as such, along with your assets and belongings.

What do you need to get a homeowners insurance quote?

Quoting online is easy if you have the property's address and basic information about the home. Ideally, you should know the type and age of your home and roof.

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Affordable homeowners insurance starts with an easy quote

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Save on homeowners insurance when you bundle

Switch to Progressive and you may save over $950 on average when you bundle home and auto insurance.^* But our priority is much more than putting money back in your pocket. We help you land the best homeowners policy for you, so your property and assets are protected against the unexpected.

A homeowners policy built on savings

These discounts and more may be automatically applied to your homeowners policy^†:

Quote in advance

Lower your rate by quoting at least 10 days in advance of your policy start date.
Alarm systems and safety devices

Earn a possible discount for having a burglar alarm, fire alarm, security system, or camera in your home.
New purchase

Purchasing a new home or switching from a renters policy? You may qualify for a discount on homeowner insurance.

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WHY CHOOSE PROGRESSIVE?

Savings

Homeowners who switch to Progressive and bundle with auto save over $950 on average.^*

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Ease

Our HomeQuote Explorer® tool lets you compare rates and coverages with ease.

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Confidence

We're proud to have received an A+ rating from A.M. Best.^**

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What determines the cost of homeowners insurance?

The cost of a homeowners insurance policy is determined by several factors, such as your location, type of home, roof construction, and prior claims.

Homeowners insurance safeguards more than just your home

A homeowners policy should be personalized to you and your family. Along with your home's structure, homeowners insurance through Progressive offers powerful protection for your belongings, assets, and more.

Dwelling coverage

Protects your home's structure

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Your policy may pay to repair or rebuild your home if it's damaged by fire, severe weather, and other covered perils.

Personal property coverage

Covers your personal belongings

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Items such as furniture, clothes, and electronics can be protected by personal property coverage if they're stolen, damaged, or destroyed in a covered loss.

Loss of use coverage

Pays for some expenses if you can't stay in your home during repairs

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Certain living expenses, above what you normally pay, may be covered if you're unable to stay in your home while repairs are made due to a covered loss.

Personal liability coverage

Protects your assets

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Your policy may help protect your assets, covering liability claims and related lawsuit costs, if you or your family members are liable for someone else's damage or injuries.

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Pro tip:

Your homeowners policy may have a coverage limit on certain items, such as jewelry, art, and bicycles. "Adding a rider" or endorsement helps ensure you receive the item's full value in case of a covered loss.