Allstate vs. Progressive Homeowners Insurance in 2024 (Side-by-Side Review)
Allstate and Progressive homeowners insurance starts at $39/month, offering solid options to protect your home. Allstate’s Claim RateGuard prevents premium hikes after a claim, while Progressive’s Name Your Price tool tailors policies to your budget. Explore Allstate vs. Progressive to find the best fit.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 18, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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When it comes to Allstate vs. Progressive homeowners insurance, both bring strong options to the table to help protect your home.
Allstate’s Claim RateGuard keeps your premium steady after a claim, and their Homeowners Plus package adds coverage for things like appliances and water backup. Progressive stands out with its Name Your Price tool and easy bundling discounts, making it simple to build a policy that works for you.
Allstate vs. Progressive Homeowners Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 3.8 | 4.4 |
| Business Reviews | 4.0 | 4.0 |
| Claim Processing | 3.0 | 3.5 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 3.4 | 4.2 |
| Customer Satisfaction | 4.0 | 4.1 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 3.2 | 4.3 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 3.4 | 5.0 |
| Savings Potential | 3.8 | 4.5 |
| Allstate Review | Progressive Review |
Both companies offer unique perks, so finding the best homeowners insurance depends on your specific needs. Take a closer look to see which one aligns with what you’re looking for.
Make sure your home is protected by entering your ZIP code into our home insurance comparison tool above today.
- Allstate and Progressive homeowners insurance starts at $39/month
- Allstate offers Claim RateGuard for stable premiums after claims
- Progressive’s Name Your Price tool customizes policies to your budget
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Understanding Homeowners Insurance
Homeowners insurance is a type of property insurance that provides financial protection in the event of damage to your home or its contents, as well as liability for injuries or damages that occur on your property. It is crucial for homeowners to have insurance coverage to safeguard their investment and mitigate potential risks.
When it comes to homeowners insurance, there are various types of policies available to suit different needs. These policies typically cover damage caused by perils, such as fire, theft, vandalism, windstorms, and certain types of water damage. They may offer extra coverage for valuables and living expenses during a covered event.
For example, let’s say you have a homeowners insurance policy that includes coverage for personal valuables. If your engagement ring gets stolen during a break-in, your insurance policy can help reimburse you for the value of the ring. This additional coverage can provide peace of mind and financial support during challenging times.
Furthermore, homeowners insurance also extends liability insurance. This means that if someone gets injured on your property, your insurance policy can help cover the medical expenses and legal fees associated with the incident. This coverage is especially important in today’s litigious society, where lawsuits can arise from unexpected accidents.
Homeowners Insurance and Mortgage Requirements
Homeowners insurance is essential because it offers financial security when unexpected events occur. Your home is likely one of the most significant investments you’ll ever make, and having insurance coverage ensures that you are protected from potential financial losses.
Imagine a scenario where a severe storm damages your roof, causing leaks and extensive water damage to your home’s interior. Without insurance, you would be responsible for covering the costs of repairs and restoration out of pocket. However, with homeowners insurance, you can file a home insurance claim to receive the necessary funds to restore your home to its pre-damaged condition.
Jeff Root Licensed Insurance Agent
In addition to property damage, homeowners insurance can also provide coverage for personal liability. Let’s say a guest slips and falls on your icy driveway, resulting in injuries. Your insurance policy can help cover the medical expenses and legal fees if the injured party decides to sue you for negligence. This type of coverage can save you from significant financial burden and protect your assets.
Many mortgage lenders require homeowners insurance to protect the property and reduce risk. It not only secures your investment but also provides financial protection and peace of mind. Choosing the right policy ensures long-term stability and safeguards your future.
Homeowners Insurance: Allstate vs. Progressive Rates
When comparing Allstate vs. Progressive homeowners insurance, the monthly rates clearly differ based on age and gender. The table below highlights how these factors influence what you’ll pay for full coverage.
Allstate vs. Progressive Full Coverage Homeowners Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $608 | $801 |
| Age: 16 Male | $638 | $814 |
| Age: 30 Female | $168 | $131 |
| Age: 30 Male | $176 | $136 |
| Age: 45 Female | $162 | $112 |
| Age: 45 Male | $160 | $105 |
| Age: 60 Female | $150 | $92 |
| Age: 60 Male | $154 | $95 |
For 16-year-olds, Progressive is much pricier, with female rates at $801 and males at $814, compared to Allstate’s $608 and $638. At 30, Progressive starts to pull ahead with lower rates—$131 for females and $136 for males, while Allstate’s rates are $168 and $176, making it easier to pay Progressive insurance premium at this stage.
By age 45, Progressive takes the lead with $112 for females and $105 for males, beating Allstate’s $162 and $160. For 60-year-olds, Progressive continues its streak, with rates of $92 and $95, significantly less than Allstate’s $150 and $154. With these lower rates, it becomes easier to pay Progressive insurance premium, making it a better deal as you age.
Allstate vs. Progressive: Finding the Best Fit
Choosing the right homeowners insurance is a critical decision that requires careful consideration of coverage options, pricing, and customer satisfaction. In the battle between insurance giants Allstate and Progressive, this comprehensive review aims to guide you toward the best choice for your home and budget.
After a thorough analysis of both Allstate and Progressive homeowners insurance offerings, it is evident that Allstate emerges as the top contender. Here’s why:
- Brief History and Reputation: Allstate, with a legacy dating back to 1931, has established itself as a household name synonymous with reliability and exceptional customer service. Its long-standing reputation in the insurance industry indicates a commitment to providing trustworthy coverage.
- Coverage Options: Both Allstate and Progressive offer comprehensive options similar to what a typical homeowners insurance policy covers, including dwelling protection, personal property coverage, liability protection, and additional living expenses coverage.
- Pricing Transparency and Discounts: While pricing is influenced by various factors, including location, home characteristics, and coverage options, Allstate’s commitment to personalized pricing estimates stands out. The company’s consideration of local factors, home size, and construction materials ensures homeowners receive fair and customized premiums.
- Customer Satisfaction: Although customer satisfaction is subjective, Allstate’s longstanding reputation for exceptional customer service, coupled with positive reviews and feedback, suggests a consistent commitment to client well-being.
While both Allstate and Progressive offer competitive homeowners insurance, Allstate’s robust coverage options, transparent pricing, and commitment to customer satisfaction make it the superior choice. When prioritizing reliability, personalized coverage, and a history of customer-centric service, Allstate stands out as the best overall option for homeowners.
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Brief History of Allstate Homeowners Insurance
Let’s begin with Allstate, a company that has been a household name in the insurance industry since its establishment in 1931. Over the years, Allstate has built a strong reputation for providing reliable coverage and exceptional customer service. With a wide range of insurance products, including homeowners insurance, Allstate has become a go-to choice for many homeowners.
When it comes to homeowners insurance, Allstate understands the importance of protecting not just your home but also your personal property and personal liability. They offer different coverage levels to cater to the specific needs of homeowners, ensuring that you have the peace of mind you deserve, even when it’s time to pay your Allstate insurance premium, knowing you’re covered for unexpected events like natural disasters or theft.
Brief History of Progressive Homeowners Insurance
Now, let’s turn our attention to Progressive, a company that was founded in 1937 and is widely recognized for its innovative approaches to insurance. While Progressive is predominantly associated with auto insurance, they also offer comprehensive homeowners insurance that shouldn’t be overlooked.
Progressive homeowners insurance provides protection for your dwelling, personal belongings, and liability in the event of property damage or injury. What sets Progressive apart is their emphasis on flexibility and customization. They offer flexible options and customized policies to fit each homeowner’s needs.
So whether you choose Allstate or Progressive for your homeowners insurance needs, rest assured that you will be in good hands. Both companies have a rich history, a commitment to customer satisfaction, and a range of coverage options to meet your specific requirements. Unlock details in our article titled, “Does Progressive homeowners insurance go up after a claim?”
Coverage Options
When it comes to protecting your home and personal belongings, Allstate and Progressive offer a wide range of coverage options to ensure that you have the peace of mind you deserve. Let’s take a closer look at what each of these insurance providers has to offer.
Coverage Options Offered by Allstate
Allstate homeowners insurance policies go above and beyond to provide you with comprehensive coverage. They understand that your home is more than just a building; it’s your sanctuary. With Allstate, you can rest easy knowing that your dwelling is protected.
One of the coverage options offered by Allstate is dwelling protection. This means that not only is your home’s structure covered, but also any detached structures on your property, such as garages or sheds. So, whether it’s your main residence or a separate structure, Allstate has you covered.
Allstate covers personal belongings, liability for injuries, and living expenses if a covered event forces you to leave your home.
Coverage Options Offered by Progressive
Progressive’s homeowners insurance policies are designed to give you comprehensive coverage, ensuring that your home and personal assets are protected from unexpected events.
Melanie Musson Published Insurance Expert
Similar to Allstate, Progressive offers dwelling protection. This means that not only is your home’s structure covered, but also any other structures on your property, such as a detached garage or shed. With Progressive, you can have peace of mind knowing that all aspects of your property are protected.
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Pricing Comparison
Allstate and Progressive homeowners insurance keep things affordable with competitive pricing and discounts. Allstate personalizes rates based on your home’s size, materials, and location, while Progressive makes it easy to customize your policy and see costs upfront. Both give you great options to protect your home without breaking the bank.
Allstate Homeowners Insurance Pricing
The cost of Allstate homeowners insurance policies can vary depending on factors such as your home’s location, size, construction materials, and the coverage options you select. Allstate offers competitive rates, and they provide discounts for bundling multiple insurance policies, installing security systems or fire alarms, having a claims-free history, and more.
Allstate understands that every homeowner’s insurance needs are unique, and they strive to provide personalized pricing estimates that cater to your specific circumstances. Whether you live in a bustling city or a peaceful suburban neighborhood, Allstate has coverage options tailored to your location. They take into account the local weather patterns, crime rates, and other factors that could affect your insurance premium.
When it comes to the size and construction materials of your home, Allstate recognizes that these factors can influence the cost of your insurance. Larger homes need more coverage, and certain materials are more prone to disaster damage. Allstate’s pricing considers these variables to ensure you have adequate protection, and if disaster strikes, you can file a claim with Allstate homeowners insurance to get the support you need.
Progressive Homeowners Insurance Pricing
Progressive homeowners insurance premiums are determined by various factors such as the location and age of your home, the amount of coverage you select, and your claims history. Progressive offers pricing transparency, allowing you to easily customize your policy and view the associated costs.
When it comes to the location of your home, Progressive takes into account the specific risks associated with your area. Whether you live in a region prone to hurricanes, wildfires, or other natural disasters, Progressive understands the importance of tailoring your coverage to address these unique challenges. By considering these factors, Progressive ensures that you have the appropriate level of protection.
The age of your home can also impact your insurance premium. Older homes may have outdated electrical systems or plumbing, increasing the risk of fire or water damage. Progressive’s pricing reflects these considerations, ensuring that you have coverage that adequately addresses the potential risks associated with older properties.
Progressive’s platform lets you customize policies and view costs in real time, ensuring transparency. Discounts like bundling, security systems, and claims-free history can lower premiums. Contact a Progressive agent for a personalized quote tailored to your needs and budget.
Discounts and Savings
Allstate and Progressive make it simple to save money on homeowners insurance using different discounts. Allstate gives you savings if you combine policies, put in security systems, or have no claims for a while. On the other hand, Progressive has special benefits like their home lock discount which is unique. Both help you get great coverage without spending a fortune.
Discounts Available With Allstate
Allstate offers a range of discounts to help homeowners save on their insurance premiums. These include home and car insurance discounts through bundling policies, protective device discounts for security systems or fire alarms, and claims-free discounts for those without recent claims.
Additional discounts may be available based on factors such as being a new homeowner, having a newly constructed home, being over the age of 55, or completing home upgrades to enhance safety and security. Discussing these options with an Allstate agent will help you determine the available discounts for your specific circumstances.
Discounts Available With Progressive
Progressive homeowners insurance includes several discounts to help policyholders save money. These discounts may include bundling home and auto policies, installing safety devices like smoke detectors or security systems, being claims-free for a set period, having a new home, or being a loyal customer.
Progressive also offers unique discounts such as the home lock discount, which rewards homeowners for having strong and secure door locks. To find out which discounts apply to your situation and to obtain the best savings, it is advisable to contact a Progressive representative directly.
In conclusion, both Allstate and Progressive offer comprehensive homeowners insurance policies with various coverage options, pricing structures, and discounts. Understanding the importance of homeowners insurance and weighing the benefits offered by each company is crucial when selecting a policy.
By reviewing this comprehensive comparison, you are now equipped to make an informed decision that best suits your specific needs and preferences. Remember to reach out to Allstate and Progressive representatives to obtain accurate pricing quotes tailored to your circumstances.
Financial Strength Comparison
When comparing Allstate vs. Progressive homeowners insurance, customer feedback and business ratings clearly show their strengths. The table shows how each company measures trust and service quality.
Insurance Business Ratings & Consumer Reviews: Allstate vs. Progressive
| Agency | | |
|---|---|---|
 | Score: 832 / 1,000 Avg. Satisfaction | Score: 832 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 72/100 Avg. Customer Feedback |
 | Score: 1.45 More Complaints Than Avg. | Score: 1.11 More Complaints Than Avg. |
 | Score: A+ Superior Financial Strength | Score: A+ Superior Financial Strength |
Both companies earn top marks for financial strength, with an A+ rating from A.M. Best. Allstate leads in customer satisfaction with a J.D. Power score of 832, while Progressive shows average satisfaction. Consumer Reports rates Allstate slightly higher at 74/100, compared to Progressive’s 72/100.
Progressive wins in complaint ratios, reporting 1.11 compared to Allstate’s higher 1.45. These scores show Allstate’s edge in satisfaction but highlight Progressive’s strength in fewer complaints.
Allstate and Progressive homeowners insurance are big names in the industry, but their market shares show just how differently they compete. This breakdown looks at how they compare and where other providers fit in.
The market share numbers make it clear—Progressive leads, but Allstate holds its own as a strong contender. Knowing where they stand can help you choose the right company with confidence.
After starting their policy in February, they’ve already saved 14% using the app. Their review underscores Allstate’s potential for savings and ease of use.
Learn more: “Do auto and renters insurance claims affect my home insurance rates?”
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Allstate Homeowners Insurance
Pros:
- Complete Coverage: Allstate has full coverage, which includes protection for your home, personal belongings insurance, liability security, and coverage for extra living costs.
- Long Time Reputation: Starting from 1931, Allstate is known for good coverage and very nice customer service. See more details on our Allstate insurance review & ratings.
- Discount Options: Allstate have discounts such as bundling, security systems savings and claims-free savings. These help homeowners to reduce their insurance premiums.
Cons:
- Price Change: The cost of Allstate homeowners insurance can be different based on where you live, the size of your house, and what coverage options you choose.
- Higher Starting Rates: Premiums for some demographics, such as younger homeowners, can be higher than competitors.
Progressive Homeowners Insurance
Pros:
- Flexible Coverage Options: Progressive focus on flexibility and personalization, letting homeowners change coverage options to fit their special needs.
- Clear Pricing: Progressive gives clear pricing, letting customers make their own policies and see costs right away. Discover insights in our Progressive insurance review & ratings.
- Innovative Way: Famous for creative ways in insurance, Progressive brings this thinking to homeowners insurance too. They look at particular dangers and problems that people might face.
Cons:
- Less Known for Home Insurance: Progressive is very big name in car insurance, but it might not be as well-known for home insurance. Allstate has been around longer and people recognize it more when thinking about homeowners insurance.
- Potential for Policy Customization Complexity: The emphasis on flexibility may result in a more complex policy customization process, requiring homeowners to navigate various options.
Finding the Right Fit for Your Needs
Both Allstate and Progressive provide good solutions, however they meet different demands. The Claim RateGuard of Allstate along with its fame for pleased customers makes it a wonderful choice for dependable coverage.
On the other hand, the Name Your Price tool from Progressive plus lower costs for homeowners who are older suits those attentive to budget details well. With both backed by A+ financial ratings, it really comes down to what matters most to you—steady premiums, flexible policies, or saving more based on your situation.
To determine how much homeowners insurance costs in your area, enter your ZIP code into our free comparison tool below to find the most affordable rates.
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Frequently Asked Questions
What is the difference between Allstate and Progressive homeowners insurance?
Allstate and Progressive are both insurance companies that offer homeowners insurance policies. However, there are differences in coverage options, pricing, and customer service between the two. The article in cell E1044 provides a detailed review of the two companies’ homeowners insurance offerings.
Which company offers better coverage for homeowners insurance, Allstate or Progressive?
The article in cell E1044 compares the coverage options provided by Allstate and Progressive for homeowners insurance. It evaluates the extent of coverage, policy limits, deductibles, and additional features offered by each company. Reading the article will help you determine which company offers better coverage based on your specific needs.
What are the customer satisfaction ratings for Allstate and Progressive homeowners insurance?
Customer satisfaction ratings for Allstate and Progressive homeowners insurance can be found in the article mentioned in cell E1044. It provides an overview of customer reviews, ratings, and feedback for both companies, helping you gauge their respective customer service and overall satisfaction levels.
Learn more in our article titled, “Progressive vs. USAA Homeowners Insurance Review.”
Are there any discounts available for homeowners insurance from Allstate and Progressive?
Allstate and Progressive often offer various discounts on their homeowners insurance policies. The article in cell E1044 may provide information on the discounts available from both companies, such as bundling discounts, claims-free discounts, security system discounts, and more. It is recommended to refer to the article for specific details on available discounts.
The best place to start when you want affordable home insurance is to enter your ZIP code into our free comparison tool below.
How can I get a quote for homeowners insurance from Allstate and Progressive?
To obtain a quote for homeowners insurance from Allstate or Progressive, you can visit their respective websites or contact their customer service. The article in cell E1044 may provide additional guidance on how to request a quote and what information you need to provide to get an accurate estimate for your homeowners insurance policy.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
