Progressive Home Warranty

What Progressive Home Warranty does

Progressive Home Warranty Solutions Inc. is a Canadian new home warranty insurance brokerage and administrator headquartered in St. Albert, Alberta. Incorporated on October 7, 2004, the company operates under two regional brands — Progressive Home Warranty (serving Alberta, Saskatchewan, and Manitoba) and Pacific Home Warranty (serving British Columbia) — providing tiered statutory warranty coverage on newly constructed residential properties, including 1-year materials and labour, 2-year mechanical systems, 5-year building envelope or foundation water penetration, and 10-year structural defect protection. The company also distributes complementary commercial insurance products (Course of Construction, Commercial General Liability, Vacancy Policies, Rented Dwellings) and personal lines insurance (home and auto) through its parent HUB International's brokerage network.

The business model is premium-driven and recurring: home builders enroll as members and pay warranty premiums per project, with policy limits ranging from CAD $25,000 to $265,000 per unit depending on province and property type. Underlying warranty risk is carried by third-party specialty insurers Trisura and Echelon Insurance, while Progressive Home Warranty retains the administrator/brokerage role, managing enrollment, construction quality assessments, claims handling, and dispute resolution (conciliation, mediation, arbitration). Builder-facing operations are supported by the WIMS Online portal for project enrollment and claims submission. The company sells primarily through a dedicated Client Development Specialist field force across two regional offices (St. Albert and Langley, BC) and through HUB International's network of 400+ brokerages in Canada and the United States.

Progressive Home Warranty has grown from 5 employees at founding to over 60 today, serving more than 5,000 home builders across the four western Canadian provinces. Since its 2019 acquisition by HUB International (the fifth-largest insurance brokerage globally), the company has been positioned within HUB's broader insurance distribution platform, enabling cross-sell of personal and commercial lines alongside core warranty products and referral-based growth via industry associations such as HAVAN, CHBA BC, and BC Housing-approved CPD training partners.

Name

Progressive Home Warranty

Legal name

Progressive Home Warranty Solutions Inc.

Website

https://progwar.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Progressive Home Warranty is a Canadian new home warranty insurance brokerage and administrator serving 5,000+ home builders across British Columbia, Alberta, Saskatchewan, and Manitoba under the Progressive and Pacific Home Warranty brands, distributing statutory warranty coverage and complementary insurance products through HUB International's brokerage network.

Ownership category

akta.pro rank

Product category

Home Warranty Insurance Brokerage

akta.pro primary industry

Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)

akta.pro secondary industry

Homeowners Insurance (FSAJACAA)

Keywords

• New home warranty
• Warranty brokerage
• Builder insurance coverage
• Course of construction insurance
• Commercial general liability

Headquarters

HQ city

Saint Albert

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. New Home Warranty Premiums: Home builders pay warranty premiums for coverage on new construction projects. Coverage tiers include 1-year materials/labour, 2-year mechanical systems, 5-year building envelope, and 10-year structural defect protection. Premiums vary by province (AB, SK, MB, BC) and property type (single-family, multi-family, owner-builder).
2. Insurance Products: Offers commercial lines insurance (Course of Construction, Commercial General Liability, Vacancy Policies, Rented Dwellings) and personal lines insurance (Automobile, Home) to builders and homeowners.
3. Builder Membership Fees: Builders pay membership fees to join the Progressive and Pacific Home Warranty programs, enabling them to provide warranty coverage on their construction projects.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Progressive Home Warranty is a new home warranty insurance brokerage operating across Western Canada under two regional brands (Progressive Home Warranty in Alberta, Saskatchewan, and Manitoba, and Pacific Home Warranty in British Columbia). The company places new home warranty coverage for single-family, multi-family, and owner-built homes, alongside Course of Construction, Commercial General Liability, Vacancy, Rented Dwellings, and Personal Lines (auto and home) insurance products for builders, homeowners, and individuals. Its distribution combines a dedicated field-sales force for builders with online quote platforms for personal lines consumers.

Product overview

Progressive Home Warranty operates as a new home warranty insurance brokerage offering two regional warranty brands: Progressive Home Warranty (serving Alberta, Saskatchewan, and Manitoba) and Pacific Home Warranty (serving British Columbia). Both brands provide tiered warranty coverage including Single-Family Warranty, Multi-Family Warranty, and Owner Builder Warranty products with coverage periods spanning 1-year (materials and labour), 2-year (mechanical systems), 5-year (building envelope or foundation water penetration), and 10-year (structural defects). The company also offers complementary insurance products through HUB International including Course of Construction, Commercial General Liability, Vacancy Policies, Rented Dwellings, and Personal Lines (Home and Auto) insurance. The WIMS Online portal provides builders with a platform for project registration, completion certificates, and claim submissions. The company provides CPD and education services through strategic partnerships with BC Housing-approved training providers.

Differentiator

Problem solved

Functional benefit

Products and services

• New Home Warranty — Single-Family Coverage Mandatory new home warranty coverage sized for single-family residential construction, offered across Alberta, Saskatchewan, Manitoba (via Progressive Home Warranty) and British Columbia (via Pacific Home Warranty) with province-specific pricing tiers and coverage schedules.
• New Home Warranty — Multi-Family Coverage Warranty coverage for new multi-family residential construction (condominium and townhouse projects), placed through Progressive Home Warranty (AB/SK/MB) and Pacific Home Warranty (BC) under province-specific pricing tiers.
• Owner Builder New Home Warranty New home warranty placement for self-built (owner-builder) homes in Alberta, British Columbia, and Manitoba, structured to satisfy provincial self-builder warranty requirements.
• Course of Construction Insurance Construction-phase property and liability insurance placed for home builders to cover buildings under construction, materials, and related exposures.
• Commercial General Liability Insurance Commercial general liability coverage for builders, contractors, and construction-related businesses operating in Western Canada.
• Vacancy Policies Property insurance designed for homes or buildings left vacant during construction, transition, or sale, addressing unoccupancy-related exposure.
• Rented Dwellings Insurance Insurance for landlords and owners of rented residential dwellings, including rental-property risk coverage.
• Personal Lines — Home Insurance Direct-to-consumer home insurance for individual homeowners in Western Canada, quoted and bound online through the company's platform.
• Personal Lines — Automobile Insurance Direct-to-consumer automobile insurance for individuals in Western Canada, quoted and bound online through the company's platform.
• WIMS Online Builder Portal Online platform for home builder customers to manage new home warranty policies, retrieve certificates of insurance, submit claims, and run reporting across their project portfolios.

Quantifiable outcome

• Over 5,000 home builders served across Western Canada
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• Trisura InsurancecoreOthersTrisura is a Specialty Lines insurance company providing Warranty Provider services for New Home Warranty policies and warranty certificates in British Columbia, Alberta, Saskatchewan, and Manitoba. Trisura believes in creating exceptional experiences for brokers and customers through comprehensive warranty products.
• Echelon InsurancecoreOthersEchelon Insurance is a leading specialty insurer working with broker partners since 1998 to protect Canadian families and businesses. Provides Personal and Commercial insurance solutions and serves as Warranty Provider for New Home Warranty policies in BC, AB, SK, and MB.
• HUB InternationalcoreOthersParent company and fifth largest insurance brokerage globally. Progressive Home Warranty is owned by HUB International, providing access to 400+ brokerages across Canada and the United States. Enables cross-selling of insurance products and expanded distribution reach.
• Blue House EnergyminorStrategic or Co-development PartnerEducation partner providing building science, construction technology, and energy conservation courses approved for CPD credits from BC Housing. Since 2012, nearly 10,000 housing professionals have chosen Blue House Energy. Offers BC Energy Step Code Modules.
• Building It RightminorStrategic or Co-development PartnerEducation partner offering courses for builders and construction professionals. BC Housing-approved CPD training provider.
• HAVAN (Homebuilders Association Vancouver)minorStrategic or Co-development PartnerAssociation of building professionals who construct over 65% of Metro Vancouver's homes. Provides CPD courses including BC Energy Step Code training, Passive House principles, and business management. Unique referral code: PRO2023 for Progressive members.
• CHBA BC (Canadian Home Builders' Association of BC)minorStrategic or Co-development PartnerLeading advocate for residential construction industry representing 2,200 member firms. Offers full suite of 8 modules for BC Energy Step Code training. Unique referral code: PRO2023 for Progressive members.
• Smart CPD SolutionsminorStrategic or Co-development PartnerProfessional development provider for builders and construction professionals based in Surrey, BC. Recognized by BC Housing as approved education provider. Offers 20 CPD Points for $399 CAD bundle.
• ICBA TrainingminorStrategic or Co-development PartnerTraining provider offering 800+ courses annually in management, leadership, technical skills, HR, business development, regulatory updates, and safety training. Courses recognized by provincial and national accrediting bodies.
• My Safety PrepminorStrategic or Co-development PartnerBC Housing-approved CPD training provider offering courses developed by Canadian Registered Safety Professionals. 20-Point CPD Bundle provides all annual CPD points in one package.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Cinch Home Services: US home warranty brand owned by Frontdoor offering appliance, system, and electronics coverage. Adjacent product line but serves existing homeowners; no builder-focused new construction warranty.
• American Home Shield: Largest US home warranty provider for existing homeowners (appliance and systems coverage). Adjacent product category but consumer-focused and post-construction, not builder-focused, so only partially comparable.
• First American Home Warranty: US home warranty provider from First American Financial offering repair and replacement coverage to homeowners. Comparable home warranty category but serves existing homeowners rather than new construction builders.
• Travelers Guarantee Company of Canada: Canadian arm of Travelers Insurance offering new home warranty products alongside broader P&C and surety lines. Competes in the same builder-warranty segment but as part of a much larger diversified insurance portfolio.
• Old Republic Home Protection: Established US home warranty company providing systems and appliances coverage through real estate and home builder channels. Comparable product but consumer-focused with broader geographic scale.

Others

• HUB International: Parent company and fifth-largest global insurance brokerage. Owns Progressive Home Warranty and provides the distribution backbone for its personal and commercial insurance lines.

Emerging players

• Liberty Home Guard: Fast-growing US home warranty provider focused on digital-first customer experience for homeowners. Adjacent category (consumer home warranty) but intersects with Progressive's homeowner touchpoints.

Direct peers

• National Home Warranty: Canadian new home warranty provider operating across multiple provinces, offering comparable structural-defect coverage to builders. Direct competitor within the Canadian mandated-coverage market.
• StrucSure Home Warranty: US-based provider of new construction structural warranties to home builders, offering 1/2/5/10-year coverage similar to Progressive's product. Closest functional peer given builder-focused, multi-tier coverage model.
• 2-10 Home Buyers Warranty: Major US provider of new home structural warranties to home builders, with comparable 1/2/5/10-year coverage tiers and builder membership model. Strong overlap in customer base (residential builders) and product structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/progwarranty
• Facebookfacebook.com/PROGWarranty
• LinkedInlinkedin.com/company/pacific-home-warranty-insurance-services-inc
• Instagraminstagram.com/progressivewarranty

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Progressive Home Warranty