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ByBrenda WoodsUpdated 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.
855-948-5219
855-948-5219
Allstate vs. Progressive Home Insurance Comparison
| 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 endorsem*nt 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 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 reimbursem*nt
- 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 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 endorsem*nts on its website:
- Water backup
- Personal injury
Because Progressive uses underwriting companies, you may have access to more endorsem*nts 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 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.
| 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
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 endorsem*nts, 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.
855-948-5219
855-948-5219
Frequently Asked Questions
What events are covered under homeowners insurance?
Most insurance policies protect against these 16 events:
- Vehicles
- Aircrafts
- Smoke
- Theft
- Vandalism
- Falling objects
- Weight of snow, sleet, or ice
- Accidental discharge or overflow of water or steam
- Frozen plumbing
- Fire and lightning
- Windstorm and hail
- Explosion
- Riot or civil commotion
- Sudden and accidental tearing apart, cracking, burning, or bulging
- Volcanic eruption
- 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.
