Progressive Solar Insurance: Overall Verdict
Progressive Solar Panel Coverage Details
- Solar panels: Covered under dwelling, but Progressive policies VARY between ACV and RCV. Always verify explicitly. Some Progressive policies require a separate solar endorsement — do not assume coverage without written confirmation.
- Microinverters & inverters: Generally covered but verify with your specific policy. Progressive's handling of inverter claims has been inconsistent in claims reviews.
- Battery storage: Limited availability. Progressive covers battery storage in fewer states than major competitors. For Powerwall owners, verify before purchasing.
- Lost power generation: Not available.
- Equipment breakdown: Available as HomeQuote Explorer add-on in some states. Less comprehensive than State Farm or Nationwide's offering.
- Hail damage: Covered, but ACV payout on older panels can be significantly less than replacement cost. This is Progressive's most significant limitation for solar homeowners — depreciation on a 5-year-old panel can reduce payout 30–50%.
- Wildfire: Covered in standard states. Progressive has maintained CA availability but at higher premiums than pre-2022 levels.
Progressive Solar Insurance Pricing 2026
For a standard 10kW residential solar system on a $400,000 home, Progressive typically charges $185–$260 per year for solar coverage as an endorsement on your homeowners policy. This is below the national average of $220/year.
Key pricing factors for Progressive solar policies:
- State: Progressive rates vary significantly by state. High-risk states (FL, TX Gulf Coast, CA wildfire zones) see the highest premiums.
- System size: Larger systems command higher premiums. Battery storage adds $40–$120/year on average.
- Multi-policy discount: Bundling home + auto with Progressive typically saves 10–18% on total premium, effectively subsidizing the solar add-on.
- Claim history: A prior solar or home claim may increase your premium 15–30% at renewal.
Pros & Cons of Progressive Solar Insurance
✅ Pros
- ✅ Among the lowest solar insurance premiums nationally
- ✅ Available in all 50 states
- ✅ Online quoting available — convenient for comparison shopping
- ✅ Snapshot program can reduce overall premium for safe drivers bundling home+auto
- ✅ Decent coverage for small systems in low-risk states
❌ Cons
- ❌ Many Progressive policies default to ACV (not RCV) for solar — verify explicitly
- ❌ Claims satisfaction scores below State Farm and USAA in independent surveys
- ❌ Battery storage coverage limited and variable by state
- ❌ Some Progressive policies exclude solar from standard dwelling coverage — requires explicit endorsement
- ❌ Underwriting can be inconsistent — rates vary more than competitors between zip codes
Progressive vs. Competitors: Side-by-Side
| Insurer | Annual Premium (10kW) | Payout Type | Best For |
|---|---|---|---|
| Progressive | $185–$260/yr | ACV (verify RCV) | Budget option, all 50 states |
| State Farm | $215–$310/yr | RCV | Best claims service |
| Nationwide | $195–$280/yr | RCV | Better value vs. Progressive for RCV |
| Lemonade | $175–$250/yr | ACV/RCV varies | Small systems, digital-first |
| USAA | $190–$265/yr | RCV | Military only — best overall value |
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Progressive Solar Insurance FAQ
Progressive covers solar panels under homeowners insurance, but the coverage type varies significantly by policy. Some Progressive policies default to ACV (actual cash value) for solar equipment, which means depreciation is factored into claim payouts. Always confirm in writing whether your policy covers solar at RCV or ACV before purchasing.
Progressive consistently offers some of the lowest solar insurance premiums — typically $185–$260/year for a standard 10kW system. However, the lower premium often reflects ACV rather than RCV coverage. A $7,000 ACV payout versus a $22,000 RCV payout on a total loss illustrates why the cheapest premium is not always the best value.
State Farm is generally superior to Progressive for solar insurance in terms of coverage quality (RCV standard vs. ACV default), claims satisfaction, and consistency. Progressive is typically $30–$80/year cheaper than State Farm but requires more careful policy review to ensure equivalent coverage. For small systems in low-risk states, Progressive is a reasonable choice. For high-value systems or risk-prone states, State Farm or USAA offers better value.
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