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Progressive Flood Insurance

in Flood Insurance from Progressive

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Progressive Flood Insurance

Unaffiliated

in Flood Insurance from Progressive

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Financial Strength Rating A+

Progressive Flood Insurance Review

Progressive Flood Insurance is an insurance carrier based in Mayfield Village, OH. The company was founded in 1937 and offers flood insurance in 48 states (and Washington, DC). Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

Progressive Flood Insurance FAQ

What types of coverage does Progressive Flood Insurance offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Progressive Flood Insurance only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

  • Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

  • Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

Progressive Flood Insurance customers can also add the following riders or endorsements to their home insurance policies:

  • Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a Progressive Flood Insurance home insurance policy?

When you ask for a quote with Progressive Flood Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
  • Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.
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    Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Progressive Flood Insurance.

    What is the financial strength rating of Progressive Flood Insurance?

    The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

    Progressive Flood Insurance scores an A+, SuperMoney's highest available rating.

     

    SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Message From Progressive

    Our story started in 1937 Our success was built on the foundation of two guys from Cleveland who saw an opportunity to serve an underserved market and offer something to consumers that no one else was: basic insurance that anyone could afford. Who we are is who we’ve always been. From the day Progressive opened its doors, we’ve been a team of people who risk, learn, and grow together, in the name of progress. We come to work each day looking at everything through the lens of “How can we make this better?” The ambitious spirit we share is truly a reflection of the differences that unite us, the people who inspire us, the environments around us, and the values we live by. Our leadership team embodies our Core Values, setting the standard for all Progressive employees.

    Give your home more protection, so you have peace-of-mind. For many homeowners, flood insurance is an essential extra layer of protection. Adding flood insurance to your insurance package means you're covered if groundwater rises and floods your home—a situation that isn't usually covered by home policies. We agree with the National Flood Insurance Program—everyone should have flood insurance, especially if you're in an area that has a high flood risk. You might even be required to have it if you're at high risk. Here's why the National Flood Insurance Program (NFIP) recommends flood insurance to everyone: The situations that cause flooding—heavy rain, melting snow, severe coastal weather—can happen anywhere. In fact, one in five flood insurance claims comes from someone in a low—or medium-risk area.

    Availability

      Available in 48 states and Washington, D.C.
    • Alabama
    • Arkansas
    • Arizona
    • California
    • Colorado
    • Connecticut
    • Washington, DC
    • Delaware
    • Florida
    • Georgia
    • Iowa
    • Idaho
    • Illinois
    • Indiana
    • Kansas
    • Kentucky
    • Louisiana
    • Massachusetts
    • Maryland
    • Maine
    • Michigan
    • Minnesota
    • Missouri
    • Mississippi
    • Montana
    • North Carolina
    • North Dakota
    • Nebraska
    • New Hampshire
    • New Jersey
    • New Mexico
    • Nevada
    • New York
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Virginia
    • Vermont
    • Washington
    • Wisconsin
    • West Virginia
    • Wyoming

    Feature Breakdown

    Policy Discounts
    • Higher Deductibles
    • Claims Free
    Property Discounts
    • Flood Zone Designation
    • Freeboard (Property Elevation Above BFE)
    Home and Renters Insurance
    • Personal Property Protection
    • Dwelling Coverage
    • Other Structures Coverage
    • Debris Removal
    Home and Renters Insurance Riders
    • Valuable Items
    • Flood Coverage (Federal)
    Financial Strength Rating A+

    Progressive Flood Insurance Community Reviews

     

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    SUPERMONEY NET RECOMMENDATION SCORE

    This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

    +100

    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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