Progressive Insurance: How to Update After a Divorce or Ownership Change

Life is full of changes, and few are as impactful as divorce or shifts in ownership of assets. Whether you’re navigating the emotional and logistical challenges of a divorce or adjusting to a new business ownership structure, one critical area that often gets overlooked is insurance. Progressive Insurance, one of America’s leading providers, offers flexible solutions—but ensuring your policies reflect your current situation is essential.

Why Updating Your Progressive Insurance Matters

Divorce and ownership changes can significantly alter your financial and legal responsibilities. Failing to update your insurance policies can lead to:
- Coverage gaps – You might no longer be protected for certain assets.
- Overpayment – You could be paying for coverage you no longer need.
- Legal complications – Outdated policies may cause disputes during claims.

Progressive makes it easy to adjust your coverage, but you need to take proactive steps.

Key Insurance Policies to Review

1. Auto Insurance

After a divorce, car ownership often changes. If you and your ex-spouse shared a policy, you’ll need to:
- Remove or transfer vehicles – If one person keeps the car, update the policy accordingly.
- Adjust drivers listed – Remove an ex-spouse if they no longer drive your vehicle.
- Reevaluate discounts – Bundling discounts may no longer apply if you’re no longer sharing a policy.

Progressive allows policyholders to make these changes online or via their mobile app.

2. Homeowners or Renters Insurance

If you’re moving out or selling a shared property, your homeowners or renters insurance needs an update:
- Change the named insured – Remove an ex-spouse if they no longer live in the home.
- Update property details – If you downsize or relocate, adjust coverage limits.
- Consider additional coverage – If you’re renting temporarily, renters insurance may be necessary.

3. Life Insurance

Divorce often necessitates changes to beneficiaries. Even if you keep the same policy, you should:
- Review beneficiaries – Ensure your ex-spouse is removed if desired.
- Adjust coverage amounts – Align with new financial obligations (e.g., child support).

Progressive’s life insurance policies can be modified through customer service or online.

4. Business Insurance (For Ownership Changes)

If you’re dealing with a business split or new ownership:
- Update commercial auto policies – If company vehicles change hands.
- Revise liability coverage – New owners may need to be added or removed.
- Review business interruption insurance – Ensure it reflects the current operational structure.

How to Update Your Progressive Insurance Policies

Online Account Adjustments

Progressive’s website and mobile app allow for quick updates:
1. Log in to your account.
2. Navigate to "Policy Management."
3. Select the policy you need to modify.
4. Follow prompts to update details.

Contacting Customer Service

For more complex changes (e.g., beneficiary updates on life insurance), calling Progressive’s customer service at 1-800-PROGRESSIVE ensures accuracy.

Documentation You May Need

• Divorce decree (for name or beneficiary changes).
• Vehicle title transfers (for auto insurance updates).
• Business ownership agreements (for commercial policies).

Common Mistakes to Avoid

• Assuming automatic updates – Insurance doesn’t adjust itself after major life events.
• Overlooking bundled policies – Changing one policy might affect discounts on others.
• Delaying updates – The longer you wait, the higher the risk of being underinsured.

Final Thoughts

Divorce and ownership changes are stressful enough—don’t let outdated insurance add to the burden. Progressive’s user-friendly tools make it simple to keep your coverage aligned with your new reality. Whether you’re adjusting auto, home, life, or business insurance, taking action now ensures you’re fully protected moving forward.