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Homeowners Insurance
Get a home insurance quote and cover your house & more
This homeowners rate and coverage are provided and serviced by affiliated and third-party insurers. Read more.
Find the best homeowners insurance for your property
Homeowners insurance is designed to protect you from the things that can damage your home, personal property, or hurt you financially. It covers wind/hail damage, fires, lightning, theft, and more. Plus, standard policies cover injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home.
When you get your free homeowners insurance quote, many of your coverages will be automatically included. Plus, you can add even more. Get a quote today - we have expert agents standing by to guide you through your choices.
COMPARE RATES WITH HOMEQUOTE EXPLORER®
Try our HomeQuote Explorer: A unique quoting experience where you can choose the right homeowners insurance coverages. We're the only home insurance company that lets you compare rates and coverages from multiple companies. Enter your info once, and we'll show you several options so you can buy the best homeowners insurance policy for you.
Affordable home insurance that can help you save
Bundle homeowners and auto
Save an average of 12% on car insurance when you combine Progressive home and auto.
See more on bundling insuranceAlarm systems and safety devices
You could earn extra discounts for fire alarms, burglar alarms, automatic sprinklers, and security systems in your home.
New purchase
Earn an extra discount if you're purchasing a new home (doesn't have to be newly built) or switching from a current renters policy.
We have a network of home insurance companies we work with and can connect you with. This gives you more price and coverage choices when quoting. The availability and amounts of discounts can vary by company and your state.
Homeowners insurance coverages that give peace of mind
We offer coverages for your house, garages, sheds, other structures on your property, lawsuits against you, and more. Questions already? See our homeowners insurance FAQ for quick answers, or chat with our expert representatives as you consider your coverage options.
Repair/rebuild your home and other structures
Home insurance can cover the cost to repair or completely rebuild your house and other structures as a result of fire, wind, hail, tornadoes, falling trees/limbs, ice dams, roof damage, and more.
Example: It snows a ton, and your roof caves in. The snow then falls into your house damaging your walls, kitchen cabinets, countertops, and more. Homeowners insurance covers all of these damages.
Temporary living expenses
If you can't stay at home during repairs, your homeowners insurance covers hotel stays and even meal expenses above what you’d normally pay, up to your policy’s limits.
Example: A tree crashes through your roof, and you have to spend $2,500 to stay two weeks at a hotel and pay for your family’s meals. You could be covered for the entire bill, up to your policy’s limits.
Injuries and lawsuits against you
Personal liability can cover property damage or injuries that you or your family members could be held legally responsible for. You can add coverages for libel, slander, or other lawsuits.
Example: A delivery person falls on your steps, breaks their arm, damages their merchandise, and then their company sues you. Your homeowners insurance can pay for their medical bills, lost wages while they're injured, and the damaged merchandise.
Your personal possessions
Furniture, clothes, electronics, appliances, tools, power equipment, and other belongings are usually covered, even if they're not in your house. For more expensive items, such as jewelry or art, you may need to add separate coverage for extra protection. If so, give us a call at the end of your online homeowners insurance quote.
Example: Someone breaks into your car and steals your cellphone and hundreds of dollars’ worth of tools/equipment. You’re covered up to the limits of your policy, minus your deductible
Common questions about home insurance
Here are some of the most commonly asked questions regarding home insurance. Check our FAQ page for more information.
Do you need home insurance?
While home insurance isn’t mandated by law in any state, your lender will typically require proof of home insurance before you can move into your new home. Even if your home is paid in full, you certainly want to insure what is likely your most valuable asset, not to mention the roof over your head.
Do you need separate insurance for personal property?
No, your belongings (anything that isn’t attached to your home, including items in a storage unit) are covered under any homeowners, condo or renters insurance policy, up to specified limits.
Learn more about how much home insurance you need.
What does home insurance NOT cover?
Here are some notable coverage exclusions on standard homeowners policies:
- Earthquakes: Your home insurance policy won’t cover earthquakes, but you may be able to purchase a separate policy or endorsement for earthquake coverage in certain states.
- Floods: Home insurance generally won’t cover water damage from the outside of your home, but you may be able to buy specialized flood insurance.
- Mold and mildew: While mold or other bacteria caused by something accidental is typically covered, home insurance won’t cover mold from neglected maintenance or water leaks.
- Termites: Termite infestations are viewed as preventable and won’t be covered under your home insurance.
Get Answers to additional home insurance questions
Progressive Answers is your guide to home insurance, from understanding coverages to pricing information.
Homeowners insurance 101
Learn how homeowners insurance works, as well as what’s typically covered.
What is a homeowners insurance deductible?
Learn what a deductible is, how it works, and tips for choosing the right amount.
Average homeowners insurance cost
Find out how much home insurance costs and learn about factors that can impact your price.
Homeowners insurance for the first-time home buyer
Learn how to shop for homeowners insurance with tips for first timers.
