dcsimg

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.
Let us help you find the best home
insurance company
for you

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, Liberty Mutual received 5 stars for "value of price" and 90 percent of customers say they plan to renew.

X
81.9
(204 reviews)
79%
A

The Hartford scored the top spot in our home insurance customer satisfaction study.  It snagged ... See More >

The Hartford scored the top spot in our home insurance customer satisfaction study.  It snagged five stars for customer service in our survey for "value of price" 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
88.1
(114 reviews)
78%
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 4.5 stars overall and a remarkable 91 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 it was the company their parents had.

X
86.5
(517 reviews)
77%
A++

Over half (55 percent) of Chubb home insurance customers we surveyed say they chose Chubb ... See More >

Over half (55 percent) of Chubb home insurance customers we surveyed say they chose Chubb because it was recommended by a friend, and 83 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
84.4
(154 reviews)
91%
A++

Erie scored 4.5 stars for customer service in our survey and 36 percent of customers ... See More >

Erie scored 4.5 stars for customer service in our survey and 36 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
83.1
(129 reviews)
81%
A+

MetLife garnered 4.5 stars for both customer service and value for price in our survey. ... See More >

MetLife garnered 4.5 stars for both customer service 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
82.8
(111 reviews)
78%
A+

A notable 89 percent of the Nationwide home insurance customers we surveyed say they plan ... See More >

A notable 89 percent of the Nationwide home insurance customers we surveyed say they plan to renew their policies. The company earned 4.5 stars for customer service and "value for price." 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
82
(180 reviews)
80%
A+

A notable 91 percent of customers we surveyed say they plan to renew their Farmers ... See More >

A notable 91 percent of customers we surveyed say they plan to renew their Farmers homeowners insurance policies. Farmers received five stars for customer service. 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
80.9
(258 reviews)
76%
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
79.9
(148 reviews)
74%
A++

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

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

X
79
(106 reviews)
80%
A++

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

Twenty-four percent of the Allstate home insurance customers we surveyed say they chose Allstate offered the best price.  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
78.8
(497 reviews)
75%
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. Citizens received five stars on both claims processing and customer service on our annual survey.

X
78.2
(110 reviews)
74%
NR

Travelers scored 4.5 stars for both customer service and value for price in our survey. ... See More >

Travelers scored 4.5 stars for both customer service and value for price in our survey. Nearly a quarter 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
77.6
(152 reviews)
73%
A++

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

Twenty-eight 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
76.3
(118 reviews)
85%
A

American Family scored five stars for customer service in our survey of current customers. Twenty-six ... See More >

American Family scored five stars for customer service in our survey of current customers. Twenty-six percent say American Family was recommended by a friend.  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
76.2
(168 reviews)
75%
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 commissioned Op4G to survey more than 4,000 insurance customers nationwide in June 2015. The survey collected customer ratings for 20 large companies in the auto category and 15 large companies each in the home, health and life categories. Only current customers of the insurers on our lists were surveyed and the survey was not open to the general public on the Insure.com website.

Respondents 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. The companies with the three highest scores in each category earned Insure.com's "People's Choice Award."

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

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.