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Allstate vs. Progressive Home Insurance

Choose between customizability and affordability with an Allstate or Progressive homeowners insurance policy. Keep reading this Allstate vs. Progressive home insurance comparison to learn about coverage and costs.

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Allstate and Progressive are two national insurance companies that offer insurance products like homeowners insurance and auto insurance. While home insurance policies from both companies include six main types of coverage—dwelling, other structures, personal property, loss of use, liability, and medical payments to others—only Allstate writes its own policies.

Keep reading for a full comparison of Allstate vs. Progressive home insurance that will help you find the best homeowners insurance policy for your home. To get free quotes from companies in your area, call 855-948-5219 or enter your zip code in the tool below:

Allstate vs. Progressive Home Insurance Comparison

Provider Allstate Progressive
Provider Allstate Progressive
Other structures coverage limits 10% of dwelling 10% of dwelling
Personal property coverage limits 60% or 75% of dwelling 70% of dwelling
Monthly price* $302 $83
Discounts available 9 7
Unique add-ons Musical instruments, yard, and garden Personal injury
Customer service 24/7 24/7
BBB rating A+ A+

*Based on quotes from Houston, Texas, and Raleigh, North Carolina

Allstate vs. Progressive Home Insurance Coverage Comparison

Both Allstate and Progressive offer policies with dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage. The biggest difference is that Allstate offers more deductibles and endorsement options.

Allstate Coverage

Allstate determines dwelling coverage by asking you questions about your home and estimating its rebuilding cost. A percentage of that number is also used for other structures, personal property, and loss of use coverage.

You have more of a choice with liability, medical payments, and deductible amounts, especially considering how deductibles are split up into three categories by peril with Allstate.

Allstate Coverage Amounts

Type of Coverage Coverage Options
Type of Coverage Coverage Options
Other structures 10% of dwelling
Personal property 60% or 75% of dwelling
Loss of use 20% of dwelling
Liability $100,000, $200,000, $300,000, or $500,000
Medical payments to others $1,000, $2,500, or $5,000
Windstorm/hail deductible $2,500, $5,000, 1% of dwelling, or 2% of dwelling
Tropical cyclone deductible 2%, 3%, or 5% of dwelling
All other perils deductible $2,500, $5,000, 1% of dwelling, or 2% of dwelling

To further customize your Allstate coverage, you can add any of these optional add-ons to your plan:

  • Roof surfaces extended coverage
  • Water backup
  • Green improvement reimbursement
  • Extended coverage on jewelry, watches, and furs
  • Identity theft restoration
  • Claim rate guard
  • Yard and garden
  • Scheduled personal property
  • Electronic data recovery
  • Business property
  • Musical instruments
  • Sports equipment

Progressive Coverage

Like Allstate, Progressive’s dwelling, other structures, personal property, and loss of use amounts are determined by the rebuilding cost of your home.

Progressive Coverage Amounts

Type of Coverage Coverage Options
Type of Coverage Coverage Options
Other structures 10% of dwelling
Personal property 70% of dwelling
Loss of use 30% of dwelling

Note: Our team was unable to receive liability and medical payments to others coverage details over the phone, so we recommend reaching out to the Progressive team for specifics.

Progressive advertises two endorsements on its website:

  • Water backup
  • Personal injury

Because Progressive uses underwriting companies, you may have access to more endorsements depending on the company that Progressive uses in your area.

Allstate vs. Progressive Home Insurance Cost Comparison

According to the Insurance Information Institute, the average cost of homeowners insurance in 2017 was about $101 per month. However, certain factors about you and your home may increase or decrease that rate. For example, if you have a history of filing a lot of claims or your home is in an area with a high level of crime, your policy premiums may increase.

To see how Allstate and Progressive policy costs compare to the national average, we received quotes from both companies.

Allstate Cost

After estimating the rebuilding cost of your home, Allstate uses that number to give you dwelling, other structures, personal property, and loss of use amounts. The remaining amounts were chosen by our team.

Allstate Cost Breakdown

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $332,437
Other structures $33,244
Personal property $199,462
Loss of use $33,244
Liability $300,000
Medical payments to others $1,000 per person
Deductible $2,500 for windstorm/hail/all other perils, $6,648.74 for tropical cyclone
Monthly cost $302

Note: We used a ranch-style home with four bedrooms, 3.5 bathrooms, and 2,200 square feet in Houston, Texas, to receive the coverage amounts for this quote.

To save money on your policy, see if you’re eligible for these Allstate discounts:

  • Welcome and loyalty
  • Home buyer
  • 55 and retired
  • Multi-policy
  • Easy pay
  • Claims-free
  • Protective device
  • Early signing

Instead of estimating cost, get an Allstate quote tailored to your home’s needs here, or by using the tool below.

Progressive Cost

Progressive determines coverage amounts the same way that Allstate does—it uses the cost to rebuild your home and applies that number to provide you with dwelling, other structures, personal property, and loss of use coverage amounts.

Progressive Cost Breakdown

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $285,000
Other structures $28,500
Personal property $199,500
Loss of use $85,500
Liability $300,000
Medical payments to others $1,000 per person
Deductible $1,000
Monthly cost $82.92

Note: The home we used for this quote was based in Raleigh, North Carolina, but it had the same characteristics as the house used for our Allstate quote.

To lower your policy cost even more, Progressive offers the following discounts:

  • Bundle homeowners and auto insurance
  • Home alarm systems and safety devices
  • Quote in advance
  • New home purchase
  • Pay in full
  • Receive documents by email
  • New home construction

See for yourself what Progressive could cover in your home by filling out this quick form.

Our Conclusion

After reviewing Progressive and Allstate, the This Old House Reviews Team found that Progressive homeowners insurance is more affordable, but Allstate offers more comprehensive coverage.

Progressive policies are well under the national average of $100 per month, but the insurance provider uses underwriting companies to sell home insurance, which means the company acts as a third party that sells other companies’ policies. This makes it difficult to know what insurance will look like for homeowners in every state and means that you’ll likely have to communicate more with the underwriting company than with Progressive.

Another downside to Progressive is that you can’t get a quote online. While you can start the quote process on the website, you’re prompted to call the customer service line halfway through to finish the quote with someone over the phone. This added an hour of time to the Progressive quote process.

On the other hand, Allstate allows you to complete your full quote process online. You also have access to more discounts and endorsements, and you can get answers to your questions at any time through the company’s customer portal, mobile app, and 24/7 customer service center.

Before deciding between affordability and customizability, call 855-948-5219 or use our tool below to get insurance quotes from both companies to compare coverage details and pricing for your home:

FAQs About Allstate and Progressive Home Insurance

What events are covered under homeowners insurance?

Most insurance policies protect against these 16 events:

  1. Vehicles
  2. Aircrafts
  3. Smoke
  4. Theft
  5. Vandalism
  6. Falling objects
  7. Weight of snow, sleet, or ice
  8. Accidental discharge or overflow of water or steam
  9. Frozen plumbing
  10. Fire and lightning
  11. Windstorm and hail
  12. Explosion
  13. Riot or civil commotion
  14. Sudden and accidental tearing apart, cracking, burning, or bulging
  15. Volcanic eruption
  16. Sudden and accidental damage from an artificially generated electrical current

What states are Allstate and Progressive available in?

Allstate and Progressive are national insurance carriers, so you can get a policy in every state.

What does the home insurance claims process look like?

You can file a claim by calling your insurance company’s claims line or by filing a claim on the customer portal or mobile app. It will take a few days for your provider to review the claim and either approve or deny it.

If your claim is approved, you’ll pay the deductible outlined in your contract. An adjuster will then be assigned to your claim to decide how much money to give you for your losses.

What other insurance products can I get from Allstate and Progressive?

You can purchase the following insurance products from both companies:

  • Auto insurance
  • Pet insurance
  • Life insurance
  • Renters insurance
  • Condo insurance
  • Motorcycle insurance
  • Boat insurance
  • Business insurance
  • Snowmobile insurance
  • Identity theft insurance

Progressive also offers a few products and services that Allstate doesn’t, like health and dental insurance and home warranties.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.