Yes, Progressive sells renters insurance in most states

Progressive offers renters insurance as a standalone policy in 48 states, plus Washington D.C. The two states where it is not available are New Hampshire and Wyoming. You can buy it directly through Progressive's website, by phone, or through an agent. Like other renters policies, it covers your belongings, liability if someone is injured in your apartment, and additional living expenses if you cannot stay there because of a covered loss.

Progressive's renters insurance is one option among many. Other major carriers include State Farm, Allstate, GEICO, and Lemonade. The cost and coverage details vary between companies, so comparing quotes from at least two or three is worth doing before you decide.

Key Takeaways

  • Progressive renters insurance is available in 48 states and Washington D.C., but not in New Hampshire or Wyoming.
  • You can purchase a policy online, by phone, or through an independent agent, and rates typically start around $10 to $20 per month depending on your location and coverage choices.
  • Progressive's renters policies cover personal property, liability, and additional living expenses, with options to add coverage for items like jewelry or electronics.
  • You can bundle renters insurance with other Progressive policies (like auto insurance) to potentially lower your overall cost.
  • Getting a quote takes about 10 minutes and does not require you to commit to buying the policy.

What Progressive renters insurance covers

A standard Progressive renters policy includes three main parts. Personal property coverage pays to replace or repair your belongings—furniture, clothes, electronics, kitchen items—if they are damaged or stolen. The limit you choose (often $20,000, $30,000, or higher) is the maximum the policy will pay for all your stuff combined. Liability coverage protects you if someone is injured at your rental and sues you, or if you accidentally damage someone else's property. Most policies start with $100,000 in liability coverage. Additional living expenses cover hotel, food, and other costs if a covered loss (like a fire) makes your apartment unlivable while repairs happen.

Progressive also lets you add endorsements (add-ons) for items that need extra protection. Jewelry, electronics, and collectibles often have limits under the main policy, so you can buy separate coverage for them if you own high-value items. You can also add coverage for items you keep in a storage unit.

How much Progressive renters insurance costs

Progressive renters insurance typically costs between $10 and $20 per month, though the actual price depends on where you live, how much coverage you choose, and your deductible. Urban areas usually cost more than rural ones. A higher deductible (the amount you pay out of pocket when you file a claim) lowers your monthly premium, but you pay more when something actually happens.

Getting a quote is free and takes about 10 minutes. Progressive will ask for your address, the coverage limits you want, and your deductible preference. You do not have to buy the policy after getting a quote. If you already have Progressive auto insurance, bundling renters insurance with it often reduces the total cost of both policies.

How to buy Progressive renters insurance

You have three ways to purchase. Online: Go to Progressive's website, enter your zip code and basic information, and complete the quote. You can buy immediately if you want. By phone: Call Progressive's customer service line and speak with an agent who can answer questions and walk you through the process. Through an agent: If you prefer to work with an independent insurance agent in your area, many of them sell Progressive policies and can help you compare options.

Once you buy a policy, coverage typically starts the same day or the next day, depending on when you purchase. Progressive will email you a copy of your policy documents and send you information about how to file a claim if you need to.

Comparing Progressive to other renters insurance companies

Progressive is not the only option, and it may not be the cheapest for your situation. State Farm, GEICO, Allstate, and Lemonade all sell renters insurance, and rates vary significantly by location and the coverage you choose. A $20,000 personal property limit might cost $12 per month with one company and $18 with another, even in the same neighborhood.

The best approach is to get quotes from at least two or three companies. Most take 10 to 15 minutes and do not require you to provide a credit card or commit to anything. Pay attention not just to the monthly cost but also to the deductible, the personal property limit, and any add-ons you need. Some companies are also known for faster claims processing or better customer service, which matters if you ever need to file.

What happens if you file a claim with Progressive

If something covered by your policy is damaged, stolen, or destroyed, you can file a claim online, by phone, or through the Progressive mobile app. You will need to describe what happened, provide photos if possible, and give Progressive a list of the damaged or stolen items. Progressive will assign an adjuster to review your claim and determine what it will pay based on your policy terms.

The time it takes to resolve a claim varies. Simple claims (like a stolen laptop you can replace quickly) may be approved and paid within days. More complex claims (like damage to many items after a fire) can take weeks. Progressive will keep you updated on the status of your claim and let you know what information they need from you.

Discounts and ways to lower your Progressive renters insurance cost

Progressive offers several discounts that can reduce your monthly premium. Bundling renters insurance with auto insurance is the most common and usually saves 10 to 25 percent on both policies. Some Progressive customers also get discounts for paying in full rather than monthly, for having a good credit score, or for completing a safety course. Ask about discounts when you get a quote or call to discuss your policy.

Raising your deductible is another way to lower your cost. If you move from a $500 deductible to a $1,000 deductible, your monthly premium will drop. The trade-off is that you pay more out of pocket if you file a claim, so choose a deductible you can actually afford if you need it.

Frequently Asked Questions

Can I buy Progressive renters insurance if I live in New Hampshire or Wyoming?

No. Progressive does not sell renters insurance in those two states. You will need to look at other companies like State Farm, GEICO, Allstate, or regional carriers that operate there. Your state's insurance department website can point you toward companies licensed to sell renters insurance in your state.

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 your roommate owns items in the apartment, they need their own renters insurance policy to cover their stuff. Both of you can have separate policies on the same apartment without any problem.

What is not covered by Progressive renters insurance?

Standard renters policies do not cover damage from floods, earthquakes, or war. They also do not cover damage you cause intentionally, damage from lack of maintenance, or losses that happen while the apartment is empty for an extended period. Damage to the building itself (the walls, roof, plumbing) is the landlord's responsibility, not yours. If you need flood coverage, you must buy a separate flood insurance policy.

How quickly can I get coverage if I buy Progressive renters insurance today?

Coverage usually starts the same day you purchase the policy, or the next day depending on when you buy. Progressive will email you your policy documents right away so you have proof of coverage. If you need coverage to start on a specific date, mention that when you buy so Progressive can set the effective date correctly.

Can I cancel my Progressive renters insurance policy anytime?

Yes. You can cancel online, by phone, or through the app. Most policies do not have cancellation fees, though you may owe a prorated amount if you paid for the full month or year upfront. Progressive will confirm your cancellation in writing and let you know your final billing date.