What counts as 'normal wear and tear'?

Normal wear and tear includes minor scuffs on walls, small nail holes from hanging pictures, carpet worn from normal foot traffic, and faded paint after 2+ years of tenancy. Landlords cannot legally deduct for these in most states. DepositHawk checks each item against your state's legal standard.

What if my landlord already sent me a deduction list?

That's exactly what the Demand Letter plan is for. Enter each deduction, and we generate a letter challenging each one individually with the specific statute or case law that makes it impermissible.

What if the deadline has already passed?

You may still recover your deposit even after the deadline, but you likely lose the penalty multiplier (2x or 3x damages) in most states. DepositHawk will tell you exactly what you can still recover.

No. Small claims court is designed for self-represented parties. Most security deposit cases settle after a demand letter — landlords often comply rather than appear in court.

Is this legal advice?

DepositHawk provides legal information — the actual statutes, deadlines, and penalty structures for your state — not legal advice. For complex situations or large amounts, consulting an attorney is always an option.

How much can I recover?

In Texas: up to 3x the withheld amount plus $100. In California: up to 2x the deposit amount. In New York: actual damages. The amount varies significantly by state — DepositHawk calculates your maximum recoverable amount before you decide to proceed.

Last updated: April 2026Researched by DepositHawk Research Team

Progressive Renters Insurance Review 2026

3.8/5

Progressive renters insurance costs $10–$25 per month for $10K–$100K in personal property coverage, with deductible options of $500.

DepositHawk Research Team, April 2026

At a Glance

Monthly Cost$10–$25

Coverage Range$10K–$100K

Deductible Options$500

Rating3.8/5

What Progressive offers

Name Your Price tool for budget-based shopping
Multi-policy discount with auto
Online claims filing
Coverage for personal property in storage units

Pros

+Name Your Price lets you set a budget first
+Good multi-policy discounts
+Easy online experience
+Covers items in off-site storage

Cons

–NAIC complaint ratio of 1.05 — slightly above average
–Limited deductible options
–Fewer add-ons than Allstate or State Farm

Who Progressive is best for

Budget-conscious renters who want to set a price and find matching coverage. If that sounds like you, Progressive is worth getting a quote from. Average cost: ~$18/mo.

Get a Progressive Quote Compare All Providers

Compare Progressive with other providers

Progressive vs Lemonade Progressive vs State Farm Progressive vs Allstate Progressive vs GEICO Progressive vs USAA Progressive vs Travelers Progressive vs American Family

●Frequently Asked Questions

Frequently Asked Questions

How much does Progressive renters insurance cost per month?

Progressive renters insurance typically costs between $10 and $25 per month, depending on your location, coverage amount, and deductible. Most renters pay around $18/mo.

Is Progressive renters insurance worth it?

Progressive is best for budget-conscious renters who want to set a price and find matching coverage. At $10–$25/mo for $10K–$100K in coverage, it's a reasonable option if that matches your needs.

What does Progressive renters insurance cover?

Progressive covers personal property (theft, fire, water damage), liability (if someone is injured in your unit), loss of use (temporary housing if your place is uninhabitable), and medical payments to others. Deductible options: $500.

How does Progressive compare to other renters insurance companies?

Progressive rates 3.8/5 in our comparison. Key advantages: name your price lets you set a budget first. Main drawback: naic complaint ratio of 1.05 — slightly above average. See our full comparison of all 8 providers at deposithawk.com/insurance.

DepositHawk protects renters’ money. See what we do.

DepositHawk is not a law firm and does not provide legal advice. Information and documents are for informational purposes only. No attorney-client relationship is created. Consult a licensed attorney for advice specific to your situation.