Progressive owns ASI (American Strategic Insurance) They market this product to their independent agents in many of their states. Also Pekin has been struggling in the Midwest for a few years. Financially, they have had to make a lot of aggressive changes to get the ship back on course. So far they have not got back on course completely. Great company with lots of issues currently.All I am saying is Progressive the insurance carrier does not issue home policies nor stand behind them as the carrier for claims. They are merely an independent commissioned sales entity in the lane of Homeowners. But their TV ads don't give that impression