Does Progressive Offer Homeowners Insurance in Florida?

Does Progressive Offer Homeowners Insurance in Florida?

Yes, Progressive offers homeowners insurance in Florida, but not the way it sells auto insurance. Home coverage is written through Progressive's partner program, most notably ASI (American Strategic Insurance), a company Progressive owns, along with other third-party carriers. Availability, pricing, and which insurer actually underwrites your policy can vary by county and change as Florida's property insurance market shifts.

How Progressive Actually Writes Homeowners Insurance in Florida

Progressive built its name on direct-to-consumer auto insurance, where Progressive itself is the underwriter. Homeowners insurance works differently. Through what Progressive markets as "Progressive Home," the company acts more like a broker connecting you to a network of partner insurers rather than underwriting every policy itself.

In Florida specifically, the carrier behind many Progressive-branded home policies has historically been ASI, which Progressive acquired in 2015 specifically because ASI had deep experience writing Florida property risk. Depending on where you live and current market conditions, your quote could also come from another partner carrier in Progressive's network rather than ASI.

This matters for one practical reason: when you have a claim, you are dealing with the underwriting company's claims department and its adjusters, not necessarily a "Progressive" claims team in the way you would after a car accident. Read your declarations page closely. It names the actual insurer, and that is the company whose policy language and claims-handling practices govern your dispute.

What a Progressive Florida Homeowners Policy Typically Covers

Like most standard HO-3 policies sold in Florida, a Progressive/ASI homeowners policy generally includes:

• Dwelling coverage for the physical structure of your home
• Other structures coverage for detached garages, fences, and sheds
• Personal property coverage for belongings inside the home
• Loss of use coverage for temporary living expenses if the home becomes uninhabitable
• Personal liability coverage if someone is injured on your property
• Medical payments coverage for minor guest injuries regardless of fault

Florida-specific quirks apply no matter which insurer you choose. Expect a separate, often percentage-based hurricane or windstorm deductible instead of your standard deductible. Flood damage is excluded from every standard homeowners policy in Florida, including Progressive's, so a separate National Flood Insurance Program or private flood policy is required for real flood protection. Roof coverage is another common friction point: many Florida carriers, Progressive's partners included, limit payouts on older roofs to actual cash value rather than full replacement cost, and some require proof of roof age or a recent inspection before binding coverage.

Why Florida Homeowners Insurance Looks Different With Every Carrier

Florida's property insurance market has been under sustained stress for years. Rising reinsurance costs, high litigation volume, and repeated hurricane losses have pushed several national insurers to pause new business, tighten underwriting, or exit the state entirely. Citizens Property Insurance Corporation, the state-created insurer of last resort, has absorbed a large share of homeowners who couldn't find affordable private coverage.

Progressive's partner-carrier model is not immune to this. A partner insurer writing Progressive-branded policies in Florida can restrict new business in certain counties, raise rates at renewal, or adjust underwriting guidelines the same way any other Florida-focused carrier does. If you're shopping for a Progressive homeowners quote and get an unexpected decline or a much higher premium than you anticipated, it's often a reflection of broader market conditions in your ZIP code, not something unique to you.

How to Get and Compare a Progressive Homeowners Quote

Because Progressive doesn't sell homeowners insurance directly the way it sells auto policies, you'll typically get a quote in one of two ways:

1. Bundle through Progressive's website or an agent after already having (or while shopping for) an auto policy, which routes you to whichever partner carrier, such as ASI, currently writes business in your area.
2. Work with an independent insurance agent who can pull a Progressive/ASI quote alongside quotes from Citizens and other private Florida carriers in a single comparison.

Bundling home and auto with Progressive can lower your combined premium, but in a state where property rates already run high, it's worth comparing the bundled price against a standalone policy from a Florida-specialist carrier before assuming the bundle saves money.

What to Do If Your Progressive or ASI Claim Is Denied or Underpaid

Florida law imposes real deadlines on how insurers handle property claims. Generally, an insurer must acknowledge receipt of your claim within a matter of days and must pay, deny, or provide a written explanation for any delay within a set window after you submit a complete proof of loss. If Progressive's underwriting partner misses these deadlines, lowballs your damage estimate, or denies a legitimate hurricane, water, or roof claim outright, you have options beyond accepting the insurer's first answer.

Most Florida homeowners policies include an appraisal clause, a process for resolving disagreements over the amount of loss without going to court. If the insurer is denying coverage altogether, disputing causation, or acting in bad faith, such as failing to investigate properly or delaying payment without justification, you may have grounds for a claim dispute or bad-faith action under Florida insurance law. Document everything: the claim number, every adjuster communication, photos and video of the damage, repair estimates, and copies of every letter the insurer sends.

Frequently Asked Questions

Q: Is Progressive the same company as ASI (American Strategic Insurance)? A: No. ASI is a separate insurance company that Progressive acquired in 2015. ASI underwrites many Florida homeowners policies sold under the "Progressive Home" brand, but ASI's own claims-handling practices and policy language govern your coverage.

Q: Can I get one bill for my Progressive auto and homeowners insurance in Florida? A: Often yes, bundling is a key selling point of Progressive Home, and many customers see a discount for combining auto and home coverage. Confirm billing details with your agent since the underlying policies may still come from separate carriers.

Q: Does a Progressive homeowners policy cover hurricane damage in Florida? A: Wind and hurricane damage to the structure is generally covered under a standard homeowners policy, subject to a separate hurricane deductible. Flood damage from storm surge is not covered and requires a separate flood policy.

Q: Why did I get declined for a Progressive homeowners quote in Florida? A: Declines are frequently tied to underwriting restrictions in your county, roof age or condition, prior claims history, or the partner carrier pausing new business in your area, all common issues across Florida's insurance market right now, not unique to Progressive.

Q: What's the difference between Progressive Home and Citizens Property Insurance? A: Progressive Home is written by private partner carriers like ASI. Citizens is Florida's state-created insurer of last resort, available only when you can't secure comparable private coverage. Pricing, coverage terms, and claims processes differ between them.

Q: How long does the insurer have to respond to my Florida homeowners claim? A: Florida law sets specific deadlines for acknowledging claims and for paying or denying them after you submit a complete proof of loss. If your insurer, Progressive's partner included, blows past these deadlines without a valid reason, that delay itself can support a claim dispute.

Talk to a Florida Attorney

If Progressive, ASI, or any other Florida homeowners carrier has denied, delayed, or underpaid your property damage claim, you don't have to accept it. Louis Law Group represents Florida homeowners against insurance companies statewide and can review your policy, your denial letter, and your damage evidence to tell you exactly where you stand. See if you qualify or call (833) 657-4812 to talk to a Florida attorney today.