Known primarily for auto insurance but the third-largest US home insurer through partners. Home policies issued through Homesite or ASI (American Strategic Insurance). Fast digital claims process.
Claims Phone
1-800-776-4737
Avg Claim Days
13 days
File Online
progressive.com
File via progressive.com or 1-800-776-4737
Claims handled by Homesite/ASI (not Progressive directly for home)
Digital-first process with virtual inspection options
Response times for home claims (via partners) slower than Progressive auto
Partner insurer (Homesite/ASI) issues actual payment
Avoid these pitfalls — they are the most frequent reasons Progressive denies or reduces water damage claims:
Policy issued through Homesite/ASI — coverage terms vary from Progressive's own auto policies
Standard seepage and flood exclusions
Business property exclusion misapplied to home office
Short grace periods for late premium payments leading to lapse
File with Homesite (1-800-414-5735) or ASI directly. Then file with state Insurance Commissioner using the actual underwriting company's name, not 'Progressive.'
The Homesite/ASI partnership model means claims handling varies. Understanding which entity actually insures you before filing is important — the process differs between Homesite and ASI.
A public adjuster typically charges 10–15% of your final settlement — only hire one if the claim is large enough to justify the fee.
ALL
Progressive home policies are actually underwritten by Homesite or ASI — when you have a claim, you're dealing with those companies. Read your declarations page carefully to identify the actual insurer.
Our IICRC-certified pros know Progressive's claim documentation requirements. We help your claim go smoothly.
Water damage right now?
Call before mold sets in (24–48 hr window)
Call 24/7Progressive Claims Line
1-800-776-4737