Allstate vs Progressive Home

Verdict

Allstate and Progressive Home are both publicly traded stock companies, and both rated A+ (Superior) by AM Best. Allstate ranked #2 among U.S. homeowners groups by 2025 premiums ($17.77 billion, 9.40% of the market, per NAIC data), and Progressive Group ranked #12 ($3.34 billion, 1.77%). Allstate reported about 7.7 million homeowners policies in force at the end of 2025, Progressive about 3.64 million property policies (homeowners, condo and renters) at the end of March 2026.

Who you are actually buying from is the difference to settle early. Allstate-brand homeowners are sold by exclusive Allstate agents, online and by phone, written by Allstate affiliates, and by Castle Key companies in Florida. Allstate also sells National General through independent agents. A Progressive quote may be written by Progressive Home (the former American Strategic Insurance of St. Petersburg) or by one of the partner carriers its in-house agency places business with, among them American Integrity, Bamboo, Hippo, Homesite, Nationwide, Openly and Tower Hill. Coverage, roof settlement terms and claims service differ by carrier, and each is responsible for its own claims. Allstate's House & Home form uses a roof payment schedule in many states, so wind or hail damage to an older roof is paid by age and material. We did not find roof settlement terms in Progressive's coverage pages, which list water backup, personal injury and scheduled personal property as options, so read the carrier's own form.

Both have pulled back from storm-exposed markets in different places. Allstate has written no new California homeowners policies since 2022 (it filed on August 31, 2026 to begin reopening, and the state said on September 18 it was not yet open). In Florida, its homes are written by Castle Key, which AM Best rated B (Fair) in September 2026. Progressive Home nonrenewed about 56,000 Florida policies in 2022 and said it would not renew about 100,000 more from May 2024, and it restricted new homeowners business for certain agents in Texas in September 2024. By its first-quarter 2026 report it was selectively increasing availability again.

Choose Allstate if

• You want an exclusive agent and the option of a broad optional-coverage list, including HostAdvantage, scheduled personal property and electronic data recovery.
• You like claim-free rewards: Claim RateGuard, a 5% Claim-Free Bonus at renewal and Deductible Rewards up to $500.
• You are in Texas, Georgia, Louisiana, Illinois, Ohio or New York, where Allstate ranked second in 2025 (16.20% of Texas premiums).
• You want the policy and the claim handled by one company's own agents and claims staff, including the Good Hands Repair Network.

Choose Progressive Home if

• You insure your cars with Progressive and want a bundle with one app and, if Progressive Home underwrites the house, a single deductible when one event damages both.
• You want several carriers' prices side by side, or you shop through an independent agent.
• You value its above-average finish in J.D. Power's 2026 U.S. Property Claims Satisfaction Study.
• You are comfortable reading the declarations page to confirm the carrier and its forms.

Key differences

Before you decide

Quote the same Coverage A, deductibles and endorsements, and ask the Progressive agent which carrier is on the offer. Check the roof terms of each, and confirm that each is writing new business at your address. bundling home and auto insurance: when it pays covers when a bundle pays, MGAs and fronting carriers: who really insures your home explains how matched-carrier arrangements work, captive agents, independent agents and direct insurers covers the two sales models, and how to compare homeowners insurance quotes shows how to line the offers up.