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Best Home Insurance Companies

Who are the top home insurance companies? We asked current customers of large home insurers to rate their companies on five measurements of customer satisfaction. The top three receive our annual "People's Choice" award. Since home insurance protects one of the biggest investments you can make - your home - it's important to include customer opinion in your buying decision.
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Insure.com Survey Results
Overall
Claims Processing
 
Customers
Who
Recommend
 
Customer
Service
Financial
Strength
Ratings

In addition to its basic home insurance policies, Liberty Mutual offers a “Home Protector Plus” ... See More >

In addition to its basic home insurance policies, Liberty Mutual offers a “Home Protector Plus” policy, which gives you additional coverage for rebuilding and full replacement cost for your possessions. Liberty Mutual home insurance customers also have access to 24-hour emergency repair services for covered losses. In our survey, 93 percent of customers say they plan to renew.

X
92.1
(152 reviews)
71%
A

USAA scored the top spot in our home insurance customer satisfaction study, with five stars ... See More >

USAA scored the top spot in our home insurance customer satisfaction study, with five stars overall and five stars for claims processing and customer service. Ninety-three percent of USAA home insurance customers we surveyed plan to renew their policies. USAA also has a high proportion of customers (22 percent) who chose USAA because of its reputation. USAA sells insurance to members of the military and their families. For 14 percent of its customers, USAA was the insurance their parents had.

X
95
(112 reviews)
87%
A++

State Farm earned the No. 2 spot in our home insurance customer satisfaction survey, with ... See More >

State Farm earned the No. 2 spot in our home insurance customer satisfaction survey, with five stars overall and a remarkable 95 percent of home insurance customers who say they would renew their policies. The reasons for buying State Farm home insurance were fairly evenly divided among company reputation, price and recommendations.

X
92.6
(483 reviews)
77%
A++

Farmers snagged our third “People’s Choice” award for home insurance customer satisfaction. Ninety-three percent of ... See More >

Farmers snagged our third “People’s Choice” award for home insurance customer satisfaction. Ninety-three percent of customers we surveyed say they plan to renew their Farmers homeowners insurance policies. Farmers offers optional “claim forgiveness” on its home insurance policies, waiving a surcharge for a claim if you’ve been claim-free for six or more years.

X
92.2
(175 reviews)
76%
A

A notable 94 percent of the Nationwide home insurance customers we surveyed say they plan ... See More >

A notable 94 percent of the Nationwide home insurance customers we surveyed say they plan to renew their policies. The company earned five stars for claims processing, helping to boost it to the No. 5 spot in our rankings. Nationwide’s home insurance discounts include price breaks based on a house’s age, and for customers who are claim-free or age 60 and older.

X
91.4
(129 reviews)
75%
A+

The Hartford snagged five stars for customer service in our survey and, significantly, 96 percent ... See More >

The Hartford snagged five stars for customer service in our survey and, significantly, 96 percent of customers we surveyed say they intend to renew their Hartford home insurance policies. The Hartford offers a “lifetime renewability” feature to customers, which guarantees that a policy won’t be canceled as long as premiums are paid on time. The Hartford is also the provider of home insurance through the AARP.

X
91.1
(101 reviews)
72%
A

Twenty-five percent of the Allstate home insurance customers we surveyed say they chose Allstate because ... See More >

Twenty-five percent of the Allstate home insurance customers we surveyed say they chose Allstate because of the company’s reputation. Optional policy features include a “Claim RateGuard” that guarantees your home insurance premium won’t go up if you file a claim. Thirty percent of Allstate customers say they have already recommended the insurer to a friend or family member.

X
90.8
(411 reviews)
77%
A+

MetLife garnered five stars for both claims processing and value for price in our survey. ... See More >

MetLife garnered five stars for both claims processing and value for price in our survey. MetLife Auto & Home offers a “GrandProtect” policy that puts your home, vehicles, RV and boat into one policy package with one deductible, even if you experience damage to more than one type of property.

X
89.6
(106 reviews)
71%
A

Travelers scored five stars for both claims processing and value for price in our survey. ... See More >

Travelers scored five stars for both claims processing and value for price in our survey. Almost 20 percent of customers say they chose Travelers because the insurer was recommended by a friend. Possible home insurance discounts from Travelers include a “homebuyer discount” for those who purchased their home within the last 12 months and a “loss-free discount” for customers who haven’t had claims.

X
89.3
(127 reviews)
59%
A++

Forty percent of the AIG home insurance customers we surveyed say they chose the insurer ... See More >

Forty percent of the AIG home insurance customers we surveyed say they chose the insurer because it offered the best price. Optional home insurance policy options include coverage for damage caused by pets and a cash-settlement option, which provide a cash settlement rather than a rebuild if your house is a total loss.

X
88.9
(100 reviews)
77%
A

Erie scored five stars for customer service in our survey and 26 percent of customers ... See More >

Erie scored five stars for customer service in our survey and 26 percent of customers said they chose Erie based on the recommendation of a friend. Additional optional homeowners coverage from Erie includes identity recovery and fraud reimbursement coverage, and an option to have your deductible waived for losses over $50,000.

X
88.4
(102 reviews)
80%
A+

American Family scored 4.5 stars across the board in our survey of current customers. Twenty-six ... See More >

American Family scored 4.5 stars across the board in our survey of current customers. Twenty-six percent say that American Family offered them the best price. Home insurance options from American Family include a “matching siding” endorsement, which replaces damaged and undamaged siding so it matches, and coverage for vacant homes.

X
85.3
(110 reviews)
67%
A+

Auto-Owners' best score in our survey was in customer service, where customers gave it 4.5 ... See More >

Auto-Owners' best score in our survey was in customer service, where customers gave it 4.5 stars. Auto-Owners offers “No Problem” claims service, which promises claims will be handled by a local claims office. Over 90 percent of Auto-Owners’ home insurance customers plan to renew their policies. Auto-Owners is based in Lansing, Michigan.

X
83.9
(100 reviews)
72%
A++

Citizens Property Insurance Corp. was created in 2002 by the Florida legislature. It provides property ... See More >

Citizens Property Insurance Corp. was created in 2002 by the Florida legislature. It provides property insurance to Florida residents who are unable to obtain home insurance in the private market. It is a not-for-profit insurer. If Citizens’ funds are wiped out by Florida storms, Florida law requires Citizens to levy assessments on most Florida home insurance policyholders in order to close the deficit.

X
82.3
(101 reviews)
62%
N/A

Almost a third (31 percent) of Chubb home insurance customers we surveyed say they chose ... See More >

Almost a third (31 percent) of Chubb home insurance customers we surveyed say they chose Chubb because it was recommended by a friend, and 93 percent say they plan to renew their homeowners policies. Chubb’s optional services include its Wildfire Defense Service, which defends policyholders’ homes from approaching wildfires, and HomeScan, which uses infrared technology to spot moisture problems and potential fire hazards.

X
75.3
(100 reviews)
84%
A++
What's covered
Think of home insurance as your safety net for big disasters. Home insurance coverage types include property damage, additional living expenses and liability.

Natural disasters and fires - unexpected and devastating - are a primary reason to carry home insurance. The insurance protects your investment - your house. Content coverage pays for your belongings in these disasters. And coverage for "additional living expenses" pays your extra costs for living away from home when your dwelling is uninhabitable due to a covered event.

Home insurance also covers theft, minus your deductible.

Another important component of home insurance is liability, which pays damages to others in certain situations. For example, if someone is injured on your property and sues you, your liability coverage will kick in for their medical bills.

You can often save money by getting home insurance quotes from your car insurance company, so that you get a "bundling" discount.
What's never covered
Earthquakes are not covered by standard home insurance policies. Buy an earthquake policy if that's a concern to you.

In fact, "earth movement" in general isn't covered, which includes sinkholes, landslides and mudslides.

In parts of the country prone to hurricanes, homeowners must buy windstorm insurance to cover wind damage.

Flood damage is also not covered under homeowners insurance policies, but homeowners can buy flood insurance.

When you look for home insurance quotes, make sure your agent includes any of these additional coverage types that you want.
Methodology

Insure.com conducted surveys of 3,835 insurance customers nationwide in February and March 2014 to collect 9,586 company reviews. The survey was not open to the general public on the Insure.com website. We collected reviews for auto, home, health and life insurance carriers. Consumers answered questions about their levels of satisfaction with their insurers, and each answer was assigned a point value. Points were then averaged and totaled for each company.

A.M. Best ratings do not affect the scores but are provided as a supplementary resource. The "discounts" and "coverage options" information for auto insurance carriers also does not affect the scores.

We collected data for 15 large companies in each category, so not all companies are represented in the study. The companies for which we collected data were then ranked. The top three companies in each category earned Insure.com's "People's Choice Award." In the life insurance category, a tie for third place resulted in four insurers receiving the award.

Insure.com makes these ratings freely available via this site. The views and opinions expressed by users do not reflect the views and opinions of Insure.com. Insure.com expressly disclaims any and all liability in connection with the ratings

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