Progressive Insurance Good or Bad
 

I’m trying to decide if I should renew with Progressive Insurance. We have a good rate. Wondering if those who had Progressive and filed claim after Milton if they were good to work with during claim process. Thanks.

Don’t be so picky. If they aren’t dumping you, and offering you a good rate, consider yourself lucky and renew before they pull the offer. Trust me, I just went through a very time consuming and stressful process to find an insurer after being dumped by Farmers.

Thank you, but having insurance that doesn’t pay when you have a claim is worthless.

Progressive is as good as any - wish they were writing new policies. have them for auto - won't write home insurance

I have had Progressive for homeowners insurance for 8 years. I've never filed a claim, but I keep them because they have only raised my rate modestly every year. I had Allstate for auto insurance for 27 years, but, when they raised my rate by 32 percent, I switched to State Farm and saved 50 percent. There is no loyalty credit with insurance companies. If they raise your rates, you need to be prepared to drop them or they will rip you off.

Progressive is large national insurance company rated A+ by AM Best, Aa Moody’s, and AA by Standard and Poor’s. Companies that were willing to write a competitively priced new policy on our home included the likes of Tower Hill, Edison, and Cabrillo Coastal, which are only rated by little known Demotech. And when I say competitively priced, the best we could do was a 67% premium increase over or previous policy with Farmers that they wouldn’t renew. And that’s with a brand new roof and HVAC system for a couple who has never filed a claim in their entire lives. I’ll say it again, consider yourself lucky Progressive is willing to renew your policy at a good rate.

You are lucky to have a national company and good rates Stick with them. Most of the companies who still write insurance in Florida, only write business in Florida. Some might and probably will go out of business after last 2 storms. I was in the adjusting biz and do have Progressive on my RV. They were good

I used them for my RV insurance. I had 2 claims and they were responsive and reasonable on both. I have no experience with them for other forms of insurance.

There no good insurance. It’s like putting up with abscess tooth with no dentist. You just got get through pain knowing the fine print usually gets them out of paying anything.

insurance
 

there all the same ,they will raise the rate

I have had Progressive homeowner's insurance for 10 years, and never had a reason to be unhappy, UNTIL........

In July I received a notice of non-renewal, no reason whatsoever. Half of my neighbors got the same notice from Progressive---apparently, they are "reducing their exposure" in Florida. OK, have a new insurer as of early December.

BUT THEN.......Hurricane Milton caused 25-30K of damage to my home. After playing their game, the "desk adjuster" decided that the damage is $7,200 and is "required" to send me a check for that amount. Required???? She said they could send a different "field adjuster" but since she has the final word, the result would be the same. And that's her "final" word.

FINAL??????..... I don't think so. Now, I have the joy of having hired a public adjuster who along with my attorney will take it from here on. The sad part is that this is all an insurance game. They both stated that once it gets to the stage of threatening a lawsuit, the insurer will fold since it costs more to defend the litigation than paying the claim.

WHY????....Because 63% of Florida homeowners take whatever the insurer first pays and won't pursue the claim---so from a financial standpoint it makes sense. So much for morality and customer service.

Also, if you go to You Tube and Search for "60 minutes--Florida insurance" you'll get a real eye-opener---it aired 4 weeks ago. "Desk adjusters" arbitrarily reducing field adjuster's estimate by 70,80,90% or more---the worst example being an estimate of $438,000 in damage being paid $3,000. Not to mention them forging adjusters' reports

Well, that's my Progressive experience so far---your milage may vary.

Check with BBB about claims performance

I saw the 60 minute story on insurance payouts and agree, it was terrible. Who are you with now that is doing the same to you?

We also have $40,000 in damage from Milton. Just to remove the tree was $6,500. Field adjuster is independent, we also gave him the original quotes from the 8 month old property that was damaged, also estimates for the damage to rebuild.

That was 16 days ago. Desk adjuster also an independent, sent email field estimate and our rebuild estimate has been received. Hope we don’t have the same issues. BTW was the $7,200 after your deductible?

Yes, but I still had only a $500 deductible. Like most policies in Florida, my new insurance which takes effect in December will have a 2% hurricane deductible. In the back of my mind, I feel Progressive is unhappy that my deductible is so low since it would otherwise be about $11,000, so they are trying to recoup what they are "losing" on the policy THEY wrote.