We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services.More

Allstate vs. Progressive Home Insurance

Author Icon By Brenda Woods Updated 02/20/2024

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:

Compare Homeowners Insurance Policies
Answer a few simple questions and we’ll take care of the rest.

Allstate vs. Progressive Home Insurance Comparison

ProviderAllstateProgressive

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.

Type of CoverageCoverage 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.

Type of CoverageCoverage 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.

Type of CoverageAmount 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.

Type of CoverageAmount 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

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:

Compare Homeowners Insurance Policies
Answer a few simple questions and we’ll take care of the rest.

Frequently Asked Questions

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.