Wholesale Business Vehicle Insurance

Wholesale operations manufacture or produce goods and distribute their product to retailers. This can also include the sale of goods in large quantities to retailers.

Examples of wholesale operations include:

• Coca-Cola distributors
• Goodyear Tire manufacturers and distributors
• Little Debbie Snacks distributors

Special Insurance Needs of Wholesale Operations

Because your vehicle is often on-site at customer-owned locations, you should have plenty of Liability insurance. That way, if your parking brake slips and your truck rolls into the side of a shop where you're dropping off goods, you'll have enough insurance to pay the damages.

If you haul any type of trailer, you'll love our free Single Deductible endorsement. With this, you only pay one deductible if both your vehicle and trailer are damaged in an accident. It's an easy way to save yourself time, hassle and money.

Liability insurance and Single Deductible endorsements are vital to your business. Visit the business auto insurance section for a complete list of insurance coverages you'll need.

http://www.progressivecommercial.com/insurance/wholesale-business-insurance.aspx

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Seasonal Business Vehicle Insurance

A seasonal business is any business that operates only during specific times of the year, such as during specific months or for an entire season. Seasonal businesses can be trucking or small businesses.

Seasonal Work Truck Insurance From Progressive

Progressive offers a variety of flexible and affordable coverages for seasonal businesses, including landscaping insurance, snow plowing insurance and ice cream truck insurance. Seasonal commercial vehicle and work truck insurance protects your auto and your business when an accident occurs, and gets you back on the road faster.

Examples of common types of commercial work truck insurance include:

• Ice cream truck insurance
• Snow plow insurance
• Landscaping insurance
• Fishing charter insurance
• Tax consultant

Vehicle and Work Truck Insurance: Personal Use Driving

If you plan to drive your work truck or other vehicles for personal use during the off-season, you can save money by letting us know. We can adjust your policy to reflect personal use for your vehicles in a matter of minutes. Since you often log less miles when driving your vehicles just for personal use, this simple change could lower your payments.

Work Truck Insurance: Parking Or Storing Vehicles

If your vehicle will be parked during the off-season, you may think you should cancel your work truck insurance during this time. But if you’d like to protect your vehicle while still saving money, just switch your commercial work truck insurance to a Comprehensive insurance Only policy.

With a Comprehensive Only policy, you essentially decline all insurance coverages except for Comprehensive insurance. Though a Comprehensive Only policy doesn't fully protect your vehicle while driving, you pay a small monthly cost to have basic protection against damage caused by incidents like vandalism, falling tree branches and hail. You won't be legal to drive, but this coverage will give your vehicle some basic protection.

A Comprehensive Only policy also gives you the bonus of continuous insurance coverage. And maintaining continuous insurance coverage is an easy way to lower your insurance premium. In fact, maintaining continuous insurance can save you so much money that most businesses find paying the small cost for a Comprehensive Only policy during their off-season actually saves them money in the long run.

http://www.progressivecommercial.com/insurance/seasonal-business-insurance.aspx

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Food Service & Restaurant Vehicle Insurance

What Are Restaurant and Food Service Businesses?

Restaurant and food service businesses earn income by providing, selling and/or delivering prepared food. They also deliver prepared foods, pick up supplies and run errands. Because you depend on your vehicle every day, it’s important to protect it with the proper food service insurance. Whether you need ice cream truck insurance or catering van insurance, Progressive has an affordable policy to meet your needs.

Common restaurant and food service insurance includes:

• Catering truck insurance, including catering vans, trucks and trailers
• Ice cream truck insurance
• Pizza delivery insurance

Other types of vehicles that may require restaurant or food service insurance include Meals on Wheels, lunch trucks or lunch wagons, concession stands or trailers and carnival food trailer or trucks.

Food Service Insurance That Protects You When You Need It Most

Restaurant and food service vehicles make frequent trips to customers' locations, whether it's delivering a pizza or catering a wedding. These food service vehicles should have plenty of Liability insurance to protect against any damage they might cause while there, including hitting a parked car.

If you haul a trailer of any type, such as a carnival booth or movable catering station, you'll love our Single Deductible endorsement. With this, you pay only one deductible if your vehicle and trailer are both damaged in an accident.

Visit the Small Business insurance section for a complete list of the insurance coverages you'll need.

http://www.progressivecommercial.com/insurance/food-service-insurance.aspx

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Non-Profit & Religious Vehicle Insurance

What Are Religious and Non-Profit Organizations?

A religious organization is any non-profit business created for religious purposes. A non-profit organization is a noncommercial business whose goal is to promote a specific issue or public concern.

Examples of organizations that may need non-profit business insurance include:

• Churches
• Mosques
• Synagogues
• Religious associations
• Charities
• Arts
• Political groups
• Research foundations

Religious and Non-Profit Organization Auto Insurance Recommendations

Whether or not your organization owns its own vehicles, you will need some form of non-profit business insurance. A policy for non-profit auto insurance will protect your organization’s vans, pickups, trailers and other vehicles, as well as the driver and passengers.

Religious organizations often use their vehicles to transport members of their congregation, which means it's important to have Liability insurance to pay for medical bills or any property damage that might arise out of an accident.

Progressive Commercial also recommends Uninsured Motorist insurance, which will protect you, your vehicle and your passengers if someone who does not have auto insurance ever hits you. Uninsured Motorist insurance coverage will pay you if the other driver has no insurance or too little insurance. It can even protect you in a hit-and-run accident.

And if your organization does not own or use its own vehicles, you will still need a form of non-profit organization auto insurance, such as hired and non-owned liability coverage. This protects your non-profit business if someone driving on behalf of your organization is involved in an accident.

Visit the business auto insurance section for a complete list of the insurance coverages you'll need.

http://www.progressivecommercial.com/insurance/religious-non-profit-insurance.aspx

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New Business Vehicle Insurance

A new business is any venture that's just getting started, whether you’re still in the planning stages or working through your first year of operations.

Every business was once new. And at Progressive, we see the potential behind each new opportunity. That's why we offer new business insurance products designed to meet the needs of your new venture.

Progressive offers a range of new business vehicle insurance products designed to meet the specific needs of new ventures. And to really help you get off on the right track, we offer advice and information designed to help you make the right decisions about commercial auto insurance for your new business.

What Will New Business Vehicle Insurance Do For Me?

Paying for an unexpected accident can deplete cash reserves quickly. And if you can't afford an accident, people can file a claim against the value of your company. To prevent a potentially bad situation for your new business, be sure you have adequate new business vehicle insurance. The first step is discovering what type of new business insurance you really need to protect your vehicle and your company. Learn more about:

• Business auto insurance
• Truck insurance
• Tow truck Insurance

When it comes to choosing your new business insurance, it is also a good idea to choose limits that are high enough to protect against the value of your company. So whether you choose limits of $50,000 or $1 million dollars, your goal should be to protect not just your vehicle, but also your business.

Some new businesses, such as general contractors, may need to meet specific business insurance limit requirements set by an employer. If you're contracting with one company, it's important to understand any requirements they have regarding the business insurance coverages you need and the limits you choose.

How Can I Get the Lowest Rates on My New Business Insurance?

New business insurance is often one of the biggest costs for a start-up organization. At a time when keeping your expenses to a minimum is crucial, you're looking for ways to keep your new business vehicle insurance premium down.

From selecting higher deductibles to choosing one of our Electronic Funds Transfer (EFT) payment options, there are things you can do to keep your new business insurance costs low.

What If I'm Considering Starting a New Business?

Investigating new business insurance options and learning as much as possible is a great idea when you're thinking about starting a new venture. The more you know about your new business insurance options, the better you can plan ahead. With this knowledge, you'll be situated for success.

Progressive can help. Even if you don't know all of the details, we can give you an approximate quote for new business vehicle insurance that will give you an idea of what you'll need to budget for business insurance payments.

http://www.progressivecommercial.com/insurance/new-business-insurance.aspx

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Landscaping & Snowplow Vehicle Insurance

Progressive’s landscaping insurance includes snow plow insurance for small businesses. Progressive defines landscaping and snow plowing businesses as those earning income by providing landscaping or snow plowing services to residential or commercial properties. They may also earn income by delivering or selling firewood.

Landscaping and snow plowing businesses that typically need work truck insurance include:

• Lawn care installation or maintenance
• Tree trimmers
• Snow removal
• Firewood delivery

Seasonal Landscaping Insurance and Snow Plow Insurance For Small Businesses

In most areas of the U.S., landscaping and snowplowing are seasonal businesses. If your vehicles are stored during the off-season, you'll want to consider a Comprehensive Only policy. This type of landscaping and snowplowing insurance is not only extremely affordable, it saves you the hassle of having to cancel or renew your policy every season. Even better, Comprehensive Only insurance protects your vehicle during the off-season.

Ice Cream Truck Insurance

Progressive can help with insurance for ice cream trucks. Even with safety features such as extra mirrors and a safety arm, operating a moving vehicle loaded with sweet treats around children can be dangerous. That’s why insurance for ice cream trucks can be expensive.

Find out how Progressive’s insurance for ice cream trucks can save you money – and will protect you, your ice cream truck and your young customers. Call toll free at 1-888-806-9598!

More About Work Truck Insurance

Seasonal work truck insurance is often needed by small business that provide landscaping or snow plowing services. Another common seasonal coverage need is insurance for ice cream trucks.

Because your vehicle is often on-site at customer-owned locations, Liability insurance is important insurance for landscapers and for snow plow drivers.

Insurance options like Property Damage Liability coverage pay for damages if, for example, you accidentally scrape a customer's car with your snow plow.

Since you're essentially self-employed, you also may want to consider extra Medical Payments insurance, which can help you pay high-cost medical bills incurred as a result of an accident.

These snow plow and landscaping insurance options are vital to protect your business. Visit the business auto insurance section for a complete list of everything you'll need.

http://www.progressivecommercial.com/insurance/landscaping-snowplow-insurance.aspx

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Farming & Livestock Vehicle Insurance

It's your responsibility to ensure that no harm comes to the animals when you are transporting livestock, so your trucks and other vehicles need to be working properly. Having the right livestock hauler’s insurance is an especially important part of every livestock trucking business, too.

You can depend on Progressive for a variety of farm truck and livestock hauler’s insurance products and features to protect your equipment in the case of an unfortunate accident, which in turn, keeps your business running smoother.

What Are Farming and Livestock Businesses?

Farming and livestock businesses earn income by raising livestock or through agricultural production. Examples of farming and livestock businesses that typically need farm truck insurance include:

• Seasonal harvesters
• Fisheries
• Nurseries
• Ranching/livestock
• Orchards
• Green houses

Livestock Trucking Insurance & More To Meet Your Special Needs

Vehicles used by farming and livestock businesses are anything but basic to insure. A variety of equipment, from tractors with hay balers to pickup trucks with livestock trailers, helps farming and livestock businesses complete their daily tasks. When this equipment is out of commission due to an accident, it hurts your business. That’s why Progressive offers a variety of farm truck insurance and commercial livestock hauling insurance options to meet your needs.

Progressive insures a wide range of vehicles and has farm truck insurance coverage options to help protect your investment, including the Single Deductible endorsement. With this, you'll never pay more than one deductible in any accident, regardless of how many of your vehicles or trailers are damaged.

For a complete list of the commercial auto insurance coverages available to you, visit the business auto insurance section.

http://www.progressivecommercial.com/insurance/farming-livestock-insurance.aspx

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Courier & Delivery Vehicle Insurance

Courier and delivery service businesses earn their income by delivering letters, newspapers, magazines, documents or packages for a fee. Typical items transported by courier and delivery services include:

• Medical samples
• Legal documents
• Express packages
• Newspapers or magazine delivery
• Bundled newspapers or magazines to carrier drop points or retail locations
• Door-to-door mail delivery
• Bundled mail to distribution hubs

Courier Service Insurance

Progressive provides courier insurance for people who drive their personal vehicles to make deliveries. These couriers may be under contract to one employer, such as a FedEx driver, or they may make deliveries for many different companies, such as a local messenger service.

What Should You Know About Your Courier Service Insurance Coverage?

If you are contracted to one company, your employer may provide Cargo insurance to protect delivered goods. Some companies will also provide basic Liability insurance to cover their employees while they are working. Ask your employer if you are unsure whether or not they supply Liability insurance coverage.

You should also find out what kind of commercial vehicle insurance your employer provides, as it may only protect you while you're delivering for them. In that case, you'll need your own auto insurance policy for when you drive your vehicle for personal use.

It's also important to know if an employer or contractor has any requirements regarding insurance that you purchase for yourself, such as minimum Liability insurance limits.

If you're self-employed, you'll want to visit the business auto insurance section for a complete list of courier insurance and delivery services insurance coverages offered by Progressive.

http://www.progressivecommercial.com/insurance/courier-delivery-insurance.aspx

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Artisan & Contractor Vehicle Insurance

Artisan and general contractor businesses include tradesmen and women who earn income by performing repair, improvement, installation or maintenance services at residential and commercial locations, including new construction sites.

Common examples of artisans and general contractors that need contractor insurance for their autos include:

• Carpenters
• Electricians
• Masons
• Metal workers and welders
• Painters and paperhangers
• Paving contractors
• Pest control specialists
• Plumbers
• Roofers
• Vending machine repairmen

Contractor Automobile Liability Insurance For Special Needs

If you have special automobile liability insurance needs, Progressive is here to help with a special contractor insurance products and services tailored to your circumstances.

All artisans and contractors should have plenty of commercial auto liability insurance. Many general contractors require you to carry automobile liability insurance limits of $1 million in order to work on a project.

Even if you're not required to have it, commercial automobile liability insurance is extremely important if your vehicle is often on-site at customer-owned locations. That way, if your parking brake ever slips and your truck rolls into the side of a customer's house, your commercial auto liability insurance will pay for the damage, up to your specified limits.

Because you're essentially self-employed, you may want to consider adding extra medical payments coverage to your general contractor insurance, which can help defray the high cost of medical bills incurred as a result of an accident.

These contractor insurance coverages are vital to your business. Get a complete list of business insurance coverages to learn about everything you'll need to protect your vehicles.

http://www.progressivecommercial.com/insurance/artisan-contractor-insurance.aspx

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Commercial Insurance Coverages

At Progressive, we offer a wide variety of general commercial auto insurance and services designed for commercial trucks, tow trucks, and business autos. These commercial auto insurance coverage options allow you to customize your commercial insurance policy to meet your business’ needs, whether you need commercial truck insurance, commercial automobile insurance, or anything in between. Our broad acceptance offers protection for most drivers, business types and vehicle models.

Call 1-888-240-9837 for Your Free Quote

Get additional information about commercial auto insurance at ProgressiveCommercial.com.

General Commercial Auto Insurance Coverages

No matter what you’re driving, you want to make sure you have basic commercial auto insurance or commercial trucking insurance coverages – like Liability Insurance and Physical Damage Coverage. Liability insurance provides coverage for injuries or damage to other people or property if you're at fault for an accident. Physical Damage insurance can provide protection in case of a collision or if your vehicle is vehicle is stolen.

There are many other commercial automobile insurance coverages you can select for your commercial auto insurance policy, including Medical Payments, Uninsured Motorist, and more. But no matter what coverages you choose, your commercial auto insurance quote will be designed to meet your needs.

Commercial Truck Insurance Coverages

If you’re a trucker, you have special insurance needs. As the #1 truck insurer in America, you can trust us to provide the commercial truck insurance coverages you need to stay on the road, like Motor Truck Cargo and Bobtail insurance.

• Motor Truck Cargo Insurance – protects the cargo you’re hauling for your motor carrier. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris.
• Non-Trucking Liability Insurance – Also known as Bobtail, Non-Trucking Liability insurance provides coverage for your truck in case you cause an accident while you are using your vehicle for non-business or personal use, when you aren’t driving under dispatch.

Tow Truck Insurance Coverages

If you operate a tow truck, you’ll need On Hook Towing insurance to pay to repair or replace a vehicle you don't own if it is damaged while you are towing or hauling it. Garagekeeper's Legal Liability coverage is another tow truck insurance coverage designed for business owners who offer towing at service stations or operate a storage lot. It provides protection for a customer's vehicle when you are keeping it at a covered location for parking or storing, or to perform service.

Business Auto Insurance Coverages

There are also special commercial auto insurance coverages to protect your business auto. If you are an individual or sole proprietor and you have a vehicle on your policy that you use for personal or non-business use, the Individual Named Insured Endorsement is automatically included. It provides protection when you are driving a vehicle that you do not own or will protect your spouse or relatives who live with you if they are driving a vehicle that you don't own.

If you ever drive vehicles that you do not own for your business, then you should choose one of the Non-Owned Auto Vehicle Liability insurance coverages: Employers' Non-Ownership insurance, which protects your business when employees drive their own vehicles for a business purpose or Hired Auto insurance, which protects you in other situations when you drive a vehicle you don't own.

http://commercialauto.progressive.com/commercial-auto-insurance-coverage.aspx

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Tow Truck Insurance

As a tow truck operator, people depend on you when they’re in distress. No matter what the situation – an accident or roadside assistance – your tow truck customers are counting on you. Why not select a tow truck insurance company that works as hard as you do to deliver superior customer service and value?

Call 1-888-240-9837 for Your Free Quote

Get additional information about commercial tow truck insurance at ProgressiveCommercial.com.

Tow Truck Businesses We Insure

Progressive provides towing insurance coverages for a variety of tow trucks, including:

• Medium/heavy duty tow trucks – dual/triple axle, including rotators
• Service and other towing vehicles used in the business
• Light tow trucks – single axle
• Car carriers

Insurance for Tow Trucks

Whether you’re storing a customer’s vehicle or towing it, you need to make sure you have the tow truck insurance coverages you need, including:

• Liability insurance, which covers you for any damage you cause to other people's vehicles or property.
• Physical Damage Coverage, which pays for repairs to your vehicle if it's ever damaged in an accident such as a collision with another vehicle or a falling tree branch.

Additionally, we offer On-Hook Towing insurance and Garagekeepers Legal Liability insurance to protect you when you’re storing or towing a customer’s vehicle.

http://commercialauto.progressive.com/tow-truck-insurance.aspx

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Truck Insurance

Whether you’re hauling furniture across the state or packages across town, you can’t afford to be idle. Your truck is your lifeline. You work hard every day and, in many instances, other businesses and people count on you and your truck for their deliveries. That’s why you need to make sure you have the best commercial truck insurance available.

Progressive can help keep your trucking business moving, just as we've done for more than 30 years. We insure everything from tractor-trailers and dump trucks to flatbeds and box trucks. In fact, Progressive is the #1 truck insurer in America.

Call 1-888-240-9837 for Your Free Quote

Get additional information about commercial truck insurance at ProgressiveCommercial.com.

Commercial Trucks We Insure

Progressive offers truck insurance for a variety of local and regional trucking businesses, including motor carriers and owner operators, such as:

• Construction
• Logging
• Freight
• Farming
• Dirt, sand & gravel hauling
• and more!

Truck Insurance Coverages

We offer the coverages you need to keep your truck rolling, from full trucking coverage to liability only coverage — and everything in between. We also offer Motor Truck Cargo insurance and Trucker’s General Liability insurance in some states.

We don't require minimum driving or business experience to get a Progressive Commercial truck insurance policy, either. Everyone from veterans to rookies can be insured on our truck insurance policies. Even drivers who just got their CDL — or those who don't have a CDL at all, depending on your vehicle — can get commercial trucking insurance at an excellent rate. Plus, veteran drivers and businesses could qualify for our Experienced CDL and Experienced Business discounts.

Assistance With State and Federal Filings

Taking care of filings can be a hassle. That’s why we process your state and federal filings for you. With our automated process, we can turn a filing around for you within 24 hours in most cases.

http://commercialauto.progressive.com/truck-insurance.aspx

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Business Auto Insurance

Whether you’re a landscaper, cabinetmaker, or florist, your customers are the heart of your small business. They depend on you to provide a service, like a unique landscape design, a hand-carved kitchen cabinet, or an exotic bouquet of flowers. Every day, you strive to provide the best products and services so that your customers are satisfied. You can trust Progressive to provide you with the best commercial small business auto insurance solutions, to protect you and your business in the event of a claim.

Call 1-888-240-9837 for Your Free Quote

Get additional information about business auto insurance at ProgressiveCommercial.com.

Small Businesses We Insure

Progressive’s offers small business auto insurance to a variety of business types, including the following:

• Landscaping and snowplow insurance
• Artisan and contractor insurance
• Courier and delivery insurance
• Restaurant and food service insurance
• Farming and livestock insurance
• Wholesale business insurance
• Religious and nonprofit organization insurance

With Progressive's small business auto insurance, you can cover a variety of vehicle types, including cars, pick-up trucks, vans, and SUVs. You can insure both inexperienced and veteran operators with clean driving records or points, too. In some states, we even offer coverage for drivers who have a foreign driver’s license.

Auto Insurance for Businesses

Progressive offers customized business auto insurance quotes for almost every type of small business. If you’re a new business owner with a pick-up truck or an experienced business owner with a cargo van, Progressive offers small business auto insurance solutions to meet your needs. Get your small business auto insurance quote and see how you can save.

http://commercialauto.progressive.com/business-auto-insurance.aspx

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Commercial Auto Insurance

Our commercial auto insurance plans offer protection for your small business vehicles and drivers. When you want to insure your work truck or other types of business vehicles, choose Progressive.

Affordable Commercial Auto Insurance

Commercial auto insurance from Progressive means good coverage at reasonable prices. We cover a range of business types, and we offer customized commercial insurance quotes based on your situation and needs. If you're looking for personal auto insurance instead of commercial auto insurance, we can help you with that, too.

Learn More About Commercial Auto Insurance

For more information about Progressive's full line of commercial auto insurance coverages, fast claims service, payment plans to fit your budget and more visit us at ProgressiveCommercial.com.

Commercial Auto Insurance Quotes and More

Selecting the right commercial auto insurance can be time consuming, and with so many commercial auto insurance companies to research, it's hard to know where to start. Our goal is simple: to provide you with all the information you need to make the best decision for your company.

When you get a Progressive commercial auto insurance quote, you can see the coverage available for your fleet of work vehicles. With Progressive, you can choose commercial auto insurance for many types of businesses and vehicles, including small businesses, commercial truck insurance, commercial courier insurance, seasonal work truck insurance, livestock trucking insurance, food service insurance and more. Start today and get the commercial auto insurance quotes you need.

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Rental Insurance Availability

Progressive Home Advantage homeowners insurance, underwritten by select insurance companies, is offered directly through Progressive in all states except Alaska and Florida. Shop online or by phone, except in Hawaii and New Hampshire which are available by phone only.

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Progressive Home Advantage® Making Our Auto Customers Feel More at HomeSM

Protect your apartment or rental house — and your possessions — with renters insurance from Progressive Home Advantage^*. Renters insurance covers damages to your possessions when you rent rather than own your home.

If you already know what kind of renters insurance policy you need, get a renters insurance quote today!

What is Renters Insurance?

If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.

Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

• Personal property (furniture, electronics, computer equipment, clothing, etc.)
• Personal liability if someone is hurt, whether in your home or away from it
• Damage to your apartment or home caused by a covered loss

Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it’s affected by any of the following:

• Fire
• Smoke damage
• Theft
• Collapse of the building due to weather
• Water leakage or overflow
• Freezing of plumbing, air conditioning and more

Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.

You can't rely on your landlord's insurance to cover your valuables — landlord insurance only covers the building structure and not your personal property.

Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.

Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote and choose the policy that's right for you.

http://homeowners.progressive.com/renters-insurance-quote.aspx

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Condominium Insurance Availability

Progressive Home Advantage homeowners insurance, underwritten by select insurance companies, is offered directly through Progressive in all states except Alaska and Florida. Shop online or by phone, except in Hawaii and New Hampshire which are available by phone only.

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Condo Insurance

Protect your condo — and your possessions — with condo insurance from Progressive Home Advantage^*. Different from home insurance, condo insurance is designed specifically for condos, and it covers what you keep inside of yours.

What is condo insurance?

When you own a condominium, you — not your condo association — are responsible for what's inside your condo. That's why having a personal condo insurance policy is important.

Condo associations have master policies that cover the property, common areas and physical structure of your building. However, these master policies do not cover your personal property or your legal responsibility to others, and they may not cover improvements or customizations to your unit.

That's where condo insurance comes in.

As you get condo insurance quotes while shopping for a condo insurance policy, you'll typically select from available coverages, such as:

• Personal property
• Replacement value of your primary dwelling and specified permanent attachments, up to a specific value
• Bodily injury if someone is hurt on your property
• Liability for property damage
• Damage protection from dangers, such as fire, plumbing freezes, vandalism, glass breakage, etc.

A basic condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors, ceiling coverings, etc. Most condominium by-laws or trust agreements state that the condo owner owns or is responsible for everything within the unit, including permanently attached fixtures and improvements.

With condo insurance, sometimes called an HO6 policy, damage to improvements, additions and alterations of your unit are covered. Your condo insurance policy also covers your belongings and the structural parts of the building that you own.

Before you shop for condo insurance, take an inventory of what you own to decide what level of coverage makes you comfortable.

Ready to take the first step toward obtaining condo insurance? Get condo insurance quotes through Progressive today.

http://homeowners.progressive.com/condo-insurance-quote.aspx

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Homeowners Insurance Availability

Progressive Home Advantage homeowners insurance, underwritten by select insurance companies, is offered directly through Progressive in all states except Alaska and Florida. Shop online or by phone, except in Hawaii and New Hampshire which are available by phone only.

Source: http://homeowners.progressive.com/home-owners-insurance-availability.aspx

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Homeowners Insurance Terms and Definitions

The homeowners insurance terms and definitions listed below will help you understand what you're buying when you shop for homeowners insurance, condo insurance or renters insurance.

Appraisal

An evaluation of a home insurance property claim by an authorized person to determine property value or damaged property value.

Cancellation

The termination of a home insurance policy during the policy term. An insurance company can only cancel a home insurance policy for reasons stated in the policy and permitted under the law of the state in which the policyholder resides.

Claim

A policyholder's request for reimbursement from an insurance company under a home insurance policy for a loss to property.

Deductible

The amount a home insurance policyholder must pay out of pocket for a covered claim.

Depreciation

The estimated decrease in property value over time due to wear and tear, aging and other related factors.

Endorsement

A provision or document added to a home insurance policy that changes the original coverage offered in the policy.

Exclusion

Certain property, persons or circumstances noted in a policy as not covered by a home insurance policy.

Group Policy

A home insurance policy sold through an employment-based group, association or special group insurance trust in which members are included under one master policy. Individuals receive certificates of coverage from the group policy.

Independent Agent or Producer

An insurance agent or producer who represents more than one insurer.

Individual Policy

A home insurance policy sold directly to an individual, often through direct mail or phone solicitation. Individual policies do not require people to be members of an employment-based group, association or special group insurance trust.

Inflation Protection

Automatically adjusts your home insurance policy limits to account for increases in costs to repair property.

Insurance

A contract in which a policyholder pays a set amount to an insurance company for protection against specified losses or perils.

Lapse

Occurs when a policyholder does not pay or pays less than the agreed amount for a home insurance policy premium. Often, termination of the policy results from a lapse.

Liability Coverage

Covers losses that an insured person is legally liable for due to negligence or other situations outlined in a home insurance policy.

Market Value

The current value of your home, including the price of land.

Nonrenew Insurance

An insurance company's decision not to renew a home insurance policy after the current term ends. Companies must appropriately notify policyholders prior to nonrenewing coverage.

Peril

The exposure to or cause of a possible loss, such as an injury, destroyed or lost property, etc.

Personal Property

All tangible property (other than land) that is either temporary or movable in some way, such as furniture, jewelry, electronics, etc.

Policy

A written contract for insurance between an insurer and a policyholder.

Premium

The price a home insurance company charges for a specified risk over a specified period of time.

Property Coverage Insurance

Protects personal property and land against loss or damage, as outlined in a home insurance policy.

Real or Tangible Property

Land, as well as anything permanently attached to, embedded in or growing on it.

Replacement Cost Coverage (on Dwelling)

Pays for the cost to replace damaged property or structures without factoring in deductions for depreciation, but payment is limited to a maximum dollar amount.

Replacement Cost Coverage (on Contents)

Pays for the cost to replace damaged personal property or items at current costs without factoring in deductions for depreciation.

Sub-limit

A specified amount that is less than the maximum limits on a home insurance policy. Sub-limits are noted for specified coverages or types of property.

Underwriting

The process an insurance company uses to determine if someone is eligible for insurance and, if so, how much that person should pay for insurance.

Print all terms and definitions These definitions provide a brief description of the coverages Progressive offers and some of the terms and phrases used in connection with homeowners insurance. These definitions are not applicable in all states or for all products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.
Source: http://homeowners.progressive.com/home-owners-insurance-terms.aspx

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How Much Home Insurance Do You Need?

You generally have three options to choose from when deciding how much home insurance you need, and each of these options provides a different level of coverage for your home:

• Actual Cash Value — Pays for the cost to replace damaged property while factoring in depreciation amounts. For home insurance policies, Actual Cash Value applies unless a policy states that Replacement Cost or Guaranteed Replacement Cost has been chosen.
• Replacement Cost — Pays for the cost to replace damaged property without factoring in deductions for depreciation, but payment is limited to a maximum dollar amount.
• Guaranteed Replacement Cost — Pays the full cost of replacing damaged property, with no deduction for depreciation and no dollar limit. Guaranteed Replacement Cost is not available in all states, and most companies limit the coverage to 120 percent of the cost to rebuild your home. Allowing for this amount protects you in cases of increased construction costs or other building-related fees due to inflation.

You can determine a rough estimate of what it would cost to rebuild your home by following this equation:

Local building costs per square foot x Total square footage of your home = Cost to rebuild your home.

Your local builders association or a real estate appraiser can provide you with local building costs for your estimate.

http://homeowners.progressive.com/how-much-home-insurance.aspx

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Home Insurance Coverage — What's Covered

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

• Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.
• Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
• Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
• Medical Payments — Covers medical bills for people hurt on your property. Medical Payments coverage also pays for some injuries that may happen away from your home, such as if your dog bites someone.
• Loss of Use — Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20 percent of the amount of your dwelling coverage.

You also can purchase the following optional home insurance coverages:

• Guaranteed Replacement Cost — Provides the most complete coverage for your home. Your home insurance company requires you to meet specific underwriting rules and conditions to qualify for this coverage. For instance, you may need to increase your home insurance amount on a monthly, quarterly or yearly basis to keep up with the inflation rate.
• Inflation Guard Endorsement — Automatically adjusts your home insurance limits during your policy period so they are at 80 percent or more of your home's replacement cost, which is the amount most home insurance companies require you to have. This coverage is beneficial if your home's replacement cost is increasing with inflation.
• Scheduled Personal Property Endorsement — Also called a personal article floater. With this coverage, possessions, including jewelry, furs, stamps, coins, guns, computers, antiques, etc., are covered. Each article is itemized and detailed in the floater, and excluded perils also are outlined. Personal article floaters often do not have deductibles.
• Increased Limits on Money and Securities — Increases coverage amounts for money, bank notes, securities, deeds and more.
• Secondary Residence Premises Endorsement — Covers a secondary residence, such as a summer home. Insurance for secondary homes is not automatically provided by the home insurance policy you have for your primary or principal residence, so it's important to consider this endorsement if you own more than one home.
• Watercraft Endorsement — Expands personal liability and medical payments coverage for small sailboats and outboard motor boats only.
• Theft Coverage Protection Endorsement — If items from your motor vehicle, trailer or watercraft are stolen, theft coverage protection broadens theft coverage without requiring proof of forcible entry.
• Credit Card Forgery and Depositors Forgery Coverage Endorsement — Coverage applies if your credit cards are lost, stolen or used without permission, or if someone forges a check, draft, promissory note, etc. Certain restrictions apply and are noted in your home insurance policy.

Home Insurance Coverage — What Isn't Covered

A standard homeowners policy may not protect you from:

• Flood, Earthquake, Nuclear Accident and War — To protect against unforeseen and uncontrollable events like these, you can purchase hazard insurance through your home insurance policy.
• Windstorm Damage — In certain areas (mostly coastal) of some states, standard home insurance coverage does not cover damage caused by windstorms and hail. Check your policy information to see if windstorm damage is covered in your area.

Questions to Ask Before You Buy Home Insurance

• Is flood insurance required, and what kind of flood insurance is available?
  If you live in a flood plain and you have a mortgage, you may be required to have flood insurance. Depending on where your home is located, you may qualify for flood insurance through the National Flood Insurance Program. Some insurance companies also offer flood insurance. Keep in mind that your home could sustain flood damage by other means, such as broken pipes, even if it's not located in a flood plain, so consider this coverage if you are eligible for it.

• Is earthquake insurance available?
  Most insurance companies offer earthquake insurance for an additional cost. This insurance generally is attached to your home insurance policy as an endorsement. If you live in California, coverage is available from the California Earthquake Authority.

  These are just a couple of the key questions to ask when purchasing home insurance. You may also consider water back-up, sump pump overflow, identity theft protection and other coverages that may be specific to your situation

http://homeowners.progressive.com/home-owners-insurance-coverages.aspx

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Home Insurance Policy Types

Homeowners insurance is designed to protect your home from what is called “perils.” A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies. They are:

• Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils.
• Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).
• Homeowners 3 (HO3): With this policy, your property is protected against most known perils, including some that are not covered by Homeowners 2.

Please see the following table for a breakdown of what perils are covered by the three different homeowners policies.

Home Insurance Policies and What They Cover
Types of Perils	Covered Perils
	HO1	HO2	HO3
Fire or lightning	x	x	x
Loss of property on premises due to fire or other perils	x	x	x
Vehicles	x	x	x
Windstorm or hail	x	x	x
Smoke	x	x	x
Explosions	x	x	x
Theft	x	x	x
Vandalism and malicious mischief	x	x	x
Riot or civil commotion	x	x	x
Aircraft	x	x	x
Breakage of glass constituting part of the building	x	x	x
Collapse of building(s)		x	x
Weight of ice, snow or sleet		x	x
Freezing of plumbing, heating and air conditioning systems and domestic appliances		x	x
Falling Objects		x	x
Accidental discharge, leakage or overflow of water or steam from within a plumbing, heating or air conditioning system or domestic appliance		x	x
Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system or of appliances for heating water		x	x
Sudden and accidental damage from artificially generated currents to electrical appliances, devices, fixtures and wiring		x	x
All perils except for flood, earthquake, war, nuclear accident. (Check your policy for complete list of perils.)			x
Coverage for jewelry, art, antiques, etc. May also include coverage for building code upgrades and sewer backups.	Can be added to any policy for an additional charge.

http://homeowners.progressive.com/home-owners-insurance-policy-types.aspx

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Homeowners Insurance

Protect your house — and your possessions — with homeowners insurance from Progressive. For homeowners, insurance protection is an important aspect of homeownership. Buying homeowners insurance, or home insurance, means buying protection for your home — both inside and out.

If you already know what kind of home insurance policy you need, get a homeowners insurance quote today.

What is homeowners insurance?

Homeowners insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners insurance policy provides added security for your investment. Homeowners insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.

Different companies offer different homeowners insurance coverages, so choosing the right policy means finding the right mix of coverages to meet your needs.

Generally, a standard homeowners insurance policy protects the following:

• The physical structure of your home
• Structures on your property (storage sheds, pools, boathouses, etc.)
• Your personal property and belongings inside your home, up to specified limits
• Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
• Injuries to your household pets while inside your home
• Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.

Often, for an additional fee, you can select optional homeowners insurance coverages, including:

• Higher limits of liability for property damage or bodily injury
• Replacement cost for personal property
• Protection for valuables (jewelry, watches, fur, etc.)
• Additional coverage for electronics or computer equipment.

To make shopping for the right homeowners insurance policy easier, take an inventory of what you own to decide what level of coverage makes you comfortable. Once you know your coverage level, get a homeowners insurance quote and choose the policy that's right for you.

What about townhouses?

If you own a townhouse, you can insure it with a homeowners insurance policy or an association master policy, depending on your situation. Some townhouse associations have master policies, in which case you should purchase a tenant homeowners insurance policy to insure your personal property. Other townhouse associations do not have master policies, which is when you should purchase a homeowners insurance policy for your unit. Check with your association to determine which type of policy you should purchase for your townhouse.

http://homeowners.progressive.com/home-owners-insurance-quote.aspx

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