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’s current public site does not expose detailed, line-by-line producer underwriting manuals for homeowners or boat/watercraft; those are provided to appointed agents inside the ForAgentsOnly (FAO) portal. The following is synthesized from Progressive/ASI public content and an older but still representative producer manual, and should be treated as directional until confirmed against FAO or your wholesaler’s latest guide. GENERAL & SUBMISSION - Distribution: Most personal lines property (home) is written through ASI/Progressive Home; boat/watercraft is written on Progressive’s specialty lines platform. Producer-facing underwriting tools and binding rules are accessed via ForAgentsOnly (FAO). New business is expected to be quoted and uploaded electronically; paper apps are generally not accepted. Agents are instructed to quote and bind via FAO, upload all required documents, and use FAO for most endorsements; only certain transactions (e.g., agent-of-record changes, changes to named insured, some coverage rejections where required by state) require signed forms to be faxed to Progressive for processing.([milestonepnc.com](https://www.milestonepnc.com/wp-content/uploads/2017/12/Boat-and-Personal-Watercraft-Underwriting-Manual-Progressive.pdf?utm_source=openai)) - Binding: Policies are typically bound as of the application effective date when the application is fully completed in FAO and any required supporting documentation and signatures are provided. Any risk falling outside standard eligibility or requiring exceptions must be referred to underwriting before binding.([milestonepnc.com](https://www.milestonepnc.com/wp-content/uploads/2017/12/Boat-and-Personal-Watercraft-Underwriting-Manual-Progressive.pdf?utm_source=openai)) - Broker / producer notes: Progressive expects agents to use FAO as the primary servicing channel. Agent support and underwriting questions are routed through dedicated phone lines and email; direct person-to-person underwriter contact is limited, and some agents report that underwriter access is primarily via email/ticket rather than direct phone.([sites.google.com](https://sites.google.com/view/aicappetiteguide/insurance-company-profiles/progressive?utm_source=openai)) HOMEOWNERS (PROGRESSIVE HOME / ASI) Note: Detailed appetite is state- and program-specific and only fully visible in FAO. Public information confirms that Progressive writes owner-occupied primary, secondary, and investment property, plus renters and condo, often via ASI/Progressive Home. Claims for property are sometimes handled through third-party adjusting partners.([reddit.com](https://www.reddit.com/r/Insurance/comments/16ct2tc?utm_source=openai)) Operational guidance (typical appetite; confirm in FAO by state): - Preferred business: - Newer, well-maintained, 1–2 family owner-occupied homes in good repair. - Risks with prior continuous insurance and no more than minor non-cat property losses. - Standard construction (frame or masonry), compliant with local codes, with modern systems and roofs within carrier age tolerance. - Commonly restricted or refer risks (subject to state manual): - Older homes beyond specific age thresholds without recent updates to roof, electrical, plumbing, or HVAC. - Prior significant fire, liability, or water damage losses, or multiple losses in a short period. - Certain roof types (e.g., wood shake, older tile) or roofs beyond an acceptable age; may require proof of updates or be surcharged or declined. - Properties with prior coverage lapses or non-payment cancellations. - Likely declined classes (varies by state / program): - Vacant, unoccupied, or under-renovation dwellings written on a homeowners form rather than a dwelling/fire or builder’s risk form. - Severe liability exposures (aggressive dog breeds, pools without required safety features, trampolines without nets, business exposures that exceed incidental residence-office rules). - Properties in poor physical condition or with unrepaired prior damage. - Geographic notes: - Progressive/ASI adjusts coastal/wind and cat-exposed appetite by state. In many Atlantic, Gulf, and wildfire-prone regions, new business may be limited by distance to coast, protection class, wildfire score, or may require special wind/hail deductibles or separate wind exclusion. Cat appetite is periodically tightened or reopened by bulletin and reflected in FAO eligibility questions. - Submission expectations: - Quote and bind via FAO/ASI portal with full address, construction, roof age/type, updates, occupancy, prior carrier and loss history, and details on pools, animals, and any in-home business. - Upload required photos, inspections, and any requested proof of updates or prior insurance as indicated in the FAO workflow; some risks may be bound subject to post-bind inspection with potential underwriting changes if inspection findings differ from the application. BOAT / WATERCRAFT Progressive is a market leader in personal boat and PWC insurance, with broad public documentation on coverages but only limited public eligibility detail; detailed rules remain inside FAO and occasionally in distributor manuals.([progressive.com](https://www.progressive.com/boat/coverages/?utm_source=openai)) Preferred boat business (general appetite): - Typical recreational boats used for pleasure only, such as bass/fishing boats, pontoons, runabouts, powerboats, small cruisers, and most personal watercraft (PWC), within size and value limits defined in FAO. - Owners with solid prior insurance, clean boating and driving records, and non-commercial use. - Boats moored or garaged in standard marinas, inland lakes, rivers, and coastal waters within 75 miles of the U.S. coastline where allowed.([boat.progressive.com](https://boat.progressive.com/?utm_source=openai)) Common restrictions and refer/decline categories (based on Progressive and distributor/agent materials): - Size / age / value: - Maximum boat length and age vary by program and state; agents report that Progressive typically restricts to mid-size pleasure craft (e.g., roughly up to mid-30s in feet) and may limit older vessels or require underwriting review beyond certain age or value thresholds.([reddit.com](https://www.reddit.com/r/sailing/comments/12og84u?utm_source=openai)) - Very high-value boats or performance craft often require referral; some manuals require underwriting review or special handling beyond specific value limits. - Use and type restrictions: - Commercial use, charter, bareboat charter, liveaboard primary residence, racing beyond casual events, and high-performance or racing hull designs are typically restricted or excluded and may be declined outright. - Homemade or non-standard hull identification number (HIN) boats are problematic; incomplete or invalid HINs can lead to non-acceptance or later cancellation if the risk cannot be properly identified.([reddit.com](https://www.reddit.com/r/boatbuilding/comments/16oidep?utm_source=openai)) - Certain sailboats or specialty vessels may fall outside the core appetite; Progressive’s own brand guidance shows that pontoon and fishing boats form the bulk of its portfolio, suggesting heavier appetite there compared with sailboats or niche craft.([design.progressive.com](https://design.progressive.com/business-areas/direct-personal-lines/special-lines?utm_source=openai)) - Territory / navigation: - Coverage is generally available on U.S. inland lakes and rivers and ocean waters within approximately 75 miles of the coast, subject to policy territorial provisions and state program rules.([boat.progressive.com](https://boat.progressive.com/?utm_source=openai)) - Some high-risk coastal areas (e.g., parts of Florida and Gulf Coast) may have tighter underwriting, higher deductibles, haul-out requirements for named storm warnings, or may decline certain older or larger vessels. - Condition and mooring: - Boats must generally be in good repair, with appropriate engines and no non-marine or heavily modified powertrains; some distributor guidelines list non-marine converted engines and extreme aftermarket performance enhancements as underwriting review or decline.([milestonepnc.com](https://www.milestonepnc.com/wp-content/uploads/2017/12/Boat-and-Personal-Watercraft-Underwriting-Manual-Progressive.pdf?utm_source=openai)) Coverage and notable operational features: - Progressive boat policies provide standard physical damage (comprehensive and collision), liability, uninsured/underinsured boater, medical payments, and supplemental options such as mechanical breakdown, fuel spill liability, personal effects, hurricane haul-out, and trip interruption, with coverages selectable in FAO.([progressive.com](https://www.progressive.com/boat/coverages/?utm_source=openai)) - Hurricane haul-out coverage pays a percentage of the cost to haul or move the boat when a tropical storm or hurricane watch/warning is issued for the boat’s location, encouraging proactive risk mitigation in cat-prone areas.([progressive.com](https://www.progressive.com/boat/coverages/?utm_source=openai)) Boat submission requirements & producer notes: - Quote and bind via FAO, entering detailed vessel information (HIN, year, make, model, length, value, engine type/HP, maximum speed), storage/mooring location, navigation area, owner’s boating experience, prior coverage and loss history, and use (pleasure vs. commercial/charter). - Ensure accurate HIN and realistic cruising area; incorrect or incomplete identifiers may cause binding issues or later cancellation. - Where required by state or program, obtain signed applications, coverage rejection forms, and any lay-up or navigation warranties; upload via FAO and only fax where specifically instructed. - For older, larger, high-value, or otherwise non-standard vessels, expect FAO to flag for underwriting review; do not assume bind authority without explicit eligibility clearance. Because Progressive maintains most risk appetite specifics, including geographic and class-level ineligibilities, behind the FAO login or in state/program PDFs, always validate these directional guidelines against the current FAO eligibility questions, any recent underwriting bulletins, and your wholesaler or aggregator’s latest Progressive/ASI manuals before binding.