Good idea.
The only bad thing with this is the progressive part, They are the worse for claims. Have 3 friends that had claims with them ranging from small to large . I just remember it was a complete $hit show of a nightmare with them and once they finally got it done, they jacked there premium supper high. I think thats why there so competitive to start with. Not bad as long as you dont have a claim.
Even heard this from an independent adjuster with my RV. She had nothing but bad things to say about when she had to deal with Progressive. That was enough for me to say away like they have the plague!
We have Citizens Insurance (aka Hanover everywhere except Michigan) for home, auto, and (had) boat.
This past year, I made the first homeowner's claims I had ever made in my life - two separate incidents separated by mere weeks due to two separate catastrophic events (hailstorm then tornado/winds). Boat claim, too (total loss on 2-year-old boat).
There are 50 or so homes around our private lake. Every single property had catastrophic roof damage from the hailstorm.
I had the approval and the first of two checks in my hand ($45K) within 1 week. Other homeowners who had the same company experienced the same. Unfortunately, there were some who were insured by other insurance companies, including the likes of Allstate, State Farm, and others', who were literally still waiting to get their claims approved until after our three roofs were replaced! Unfortunately, they don't cover ATVs or UTVs, so ... :/
It's not always about the lowest premium if it's impossible to get cash out of them when you have to make a claim.
