Yes, Progressive offers renters insurance, and you can buy it online or by phone
Progressive is one of the larger renters insurance providers in the United States. You can purchase a policy directly through their website, by calling 1-866-749-7436, or through an independent agent who represents Progressive. Policies typically start at a low monthly cost, though the final price depends on your location, the coverage limits you choose, and your claims history.
Progressive's renters policies cover the standard categories: your personal belongings if they're damaged or stolen, liability protection if someone is injured in your rental unit, and additional living expenses if your rental becomes uninhabitable. You can customize coverage limits and add optional protections like coverage for high-value items or identity theft recovery.
Key Takeaways
- Progressive renters insurance covers your belongings, liability, and additional living expenses, with options to increase coverage limits for specific items.
- You can purchase directly online, by phone, or through an independent agent, and policies can start at relatively low monthly rates depending on your situation.
- Progressive offers discounts for bundling with auto insurance, paying in full upfront, and having safety devices like smoke detectors or deadbolts.
- The landlord is not covered under your renters policy—they need their own landlord or building insurance to protect the structure itself.
- You can file claims online, by phone, or through the Progressive mobile app, and the company typically processes straightforward claims within days.
What Progressive renters insurance actually covers
Progressive's renters policies include three main coverage types. Personal property coverage pays to repair or replace your belongings—furniture, electronics, clothing, kitchen items—if they're damaged by a covered event like fire, theft, or weather. The policy has a limit per item and a total limit for all belongings combined; you choose these limits when you buy the policy.
Liability coverage protects you if someone is injured in your rental unit or if you accidentally damage someone else's property. If a guest slips on your floor and sues you, or if you accidentally damage your neighbor's wall, liability coverage pays their medical bills or property damage up to your chosen limit. This typically starts at $100,000 but can be increased.
Additional living expenses (sometimes called loss of use) covers hotel, food, and other costs if your rental becomes unlivable due to a covered loss. If a fire makes your apartment uninhabitable, this coverage pays for temporary housing while repairs happen.
Optional add-ons and higher coverage limits
Progressive allows you to increase your personal property limit beyond the standard amount if you own expensive items. You can also add scheduled personal property coverage, which insures specific high-value items like jewelry, electronics, or musical instruments at their full replacement cost, even if they're stolen or lost outside your home.
Other optional coverages include identity theft recovery assistance, which helps you restore your identity and covers some related expenses, and water backup coverage, which protects against damage from sewer or drain backups. These add-ons cost extra but may be worth it depending on your situation and what your landlord's building insurance does not cover.
How much Progressive renters insurance costs
Progressive renters policies typically cost between $10 and $25 per month for basic coverage, though the actual price varies significantly based on your zip code, the coverage limits you select, your age, your claims history, and whether you bundle with other insurance. Urban areas and places with higher theft rates generally cost more than rural areas.
Progressive offers several discounts that can lower your rate. Bundling renters insurance with auto insurance often saves 10 to 15 percent. Paying your full annual premium upfront instead of monthly can also reduce the cost. Safety discounts apply if you have deadbolts, smoke detectors, or a security system. Ask about these when you get a quote.
How to buy Progressive renters insurance
The fastest way to buy is online at Progressive's website. You'll enter your address, the coverage limits you want, and some personal information. The quote appears immediately, and you can purchase and activate the policy the same day. Coverage typically begins the next day or on the date you choose.
If you prefer to talk to someone, call Progressive at 1-866-749-7436. A representative can answer questions about coverage, explain discounts, and help you choose limits. You can also work with an independent agent who sells Progressive policies; they can compare it with other carriers if you want options.
You'll need basic information ready: your rental address, move-in date, and details about your belongings if you want to set a personal property limit. If you're bundling with auto insurance, have that policy number available.
What Progressive renters insurance does not cover
Progressive renters insurance covers your belongings and your liability, but it does not cover the building itself. Your landlord is responsible for insuring the structure, roof, and common areas—that's their landlord insurance policy. If the building burns down, your renters policy replaces your belongings inside, but the landlord's policy rebuilds the building.
Renters policies also exclude certain types of damage: floods, earthquakes, and wear-and-tear are not covered under a standard policy. If you live in a flood-prone area, you need a separate flood insurance policy through the National Flood Insurance Program or a private provider. Damage from poor maintenance or lack of upkeep is also excluded.
Intentional damage, damage caused while committing a crime, and damage from nuclear hazard are not covered. Business property and vehicles are also excluded; if you run a business from your apartment, you need separate business insurance.
Filing a claim with Progressive
Progressive lets you file claims online, by phone, or through their mobile app. For online claims, log into your account, select "File a Claim," and follow the prompts. You'll describe what happened, when it happened, and what was damaged. You can upload photos directly.
By phone, call 1-866-749-7436 and tell the representative what occurred. They'll open a claim and may ask follow-up questions about the damage. For straightforward claims—a theft, a fire, water damage—Progressive typically processes and pays within a few days to a week.
Keep receipts, photos, and documentation of your belongings. If you don't have receipts, photos of the items in your home before the loss, or a list of what you own, the claim adjuster will ask you to describe what was damaged and estimate its value. Having this information ready speeds up the process.
Frequently Asked Questions
Can I get Progressive renters insurance if I have a pet?
Yes. Progressive renters insurance does not exclude pets or charge extra for them. However, if your pet injures someone and they sue you, your liability coverage applies. Make sure your liability limit is high enough to protect you in that scenario.
Does Progressive renters insurance cover theft from my car?
No. Renters insurance covers belongings in your rental unit and sometimes items temporarily outside the home, but theft from a vehicle is not covered. Your auto insurance policy would handle that claim instead.
What happens if my landlord requires me to have renters insurance?
Many landlords do require it as a condition of the lease. Progressive policies include a proof-of-insurance document you can print or email to your landlord immediately after purchase. This satisfies the requirement.
Can I cancel my Progressive renters policy anytime?
Yes. You can cancel online, by phone, or through the app. If you've paid monthly, there's no penalty. If you paid the full year upfront, Progressive refunds the unused portion on a pro-rata basis.
Does Progressive offer renters insurance in all states?
Progressive offers renters insurance in most states, but availability varies by location. When you enter your address on their website, the system will tell you immediately whether they can insure that property. If not, you'll need to look at other carriers.