Progressive Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Progressive does not appear to publish a formal public underwriting appetite or broker submission guide for personal Home or Boat/Watercraft on its consumer site. Current verified public guidance is product-facing. For Home, Progressive markets property insurance through Progressive Home / Progressive Home Advantage and its network, with standard homeowners plus condo, renters, manufactured home, and flood options. Practical underwriting indicators published publicly: flood is not covered by standard homeowners and separate flood coverage may be needed or lender-required in FEMA special flood hazard areas; homes may be subject to underwriting inspection at new business or renewal, including exterior and sometimes interior review; inspection focus includes electrical, plumbing, HVAC, water damage, structural issues, rot/decay, infestation, mold/mildew, and safety/protective devices; inspection results can continue, modify, or cancel/non-renew coverage if issues are not remedied. Progressive also states its replacement cost estimator is used to help set dwelling limits, and high-value homes may be eligible through Progressive Home up to $5 million replacement value, with interior inspection required at $850,000+ replacement cost. For Boat/Watercraft, Progressive publicly signals broad personal recreational appetite including boats, PWCs, sailboats, pontoons, powerboats, and bass/fishing boats, with year-round coverage and operation on lakes/rivers plus ocean waters within 75 miles of the coast. Preferred risk profile appears to be individually owned recreational watercraft needing liability and optional physical damage coverages, with common add-ons such as trailer coverage, on-water towing, total loss replacement for newer original-owner boats, fishing equipment/carry-on items, hurricane haul-out, and mechanical breakdown for certain outboard and inboard/outboard motors. Publicly stated restrictions/exclusions include no coverage for parasailing or kite boarding under water sports coverage, and Propulsion Plus mechanical breakdown does not apply to jet drives or inboard motors; maintenance/wear and tear type issues are also indicated as generally not covered. Geographic notes: Progressive notes boat insurance laws only in Arkansas, Utah, and Hawaii on one page, while another page says Arkansas and Utah; because public pages are inconsistent, rely on state-specific quote validation rather than this as binding underwriting guidance. Submission/process notes: boat business can be quoted online, by phone, or through a licensed independent agent; Progressive states a boat policy can often be issued without a marine survey, even for used boats, though some insurers may require one depending on age/length/value. Home submission expectations are not published as an agent appetite guide, but insureds should expect accurate replacement-cost details, disclosure of special features/upgrades, and possible post-bind inspection/cooperation requirements. Broker/producer note: no verified official public producer appetite or submit-business page for these personal lines was found on Progressive’s public website, so operational use should treat this as consumer-facing guidance only and obtain state/program-specific rules through appointed agent channels if needed.