Best Home Insurance Companies for 2020

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Updated on November 12, 2019

Insure.com’s annual analysis that ranks the best home insurance companies found that Chubb, USAA  and Esurance earned the top three spots, respectively, based on responses from current policyholders who rated carriers on six customer satisfaction metrics.

Homeowners insurance companies with the most market share in the nation were ranked based on the ratings from surveyed policyholders in the categories of:

  • Value for price
  • Customer service
  • Claims satisfaction
  • Usefulness and ease-of-use of its website and mobile apps
  • If plan to renew
  • If would recommend

Unlike evaluations you might find elsewhere, Insure.com's Best Home Insurance Companies is the result of a survey of over 2,800 current customers – people just like you. We believe it to be the most comprehensive, assessment available and a useful guide to help you find the best home insurance company for your needs quickly and easily.

We identify the best home insurance companies based on what policyholders in our survey have to say about their experiences. But getting more information is always better when researching the best insurance companies, so new this year is the ability to leave your own review.

The Top 5 Home Insurance Companies

Here is how home insurance companies ranked on individual metrics:

  • Best home insurance company for claims:  Erie -- 95.00
  • Best home insurance company for value for the price: Chubb – 92.40
  • Best home insurance company for customer service: USAA – 90.71
  • Best home insurance company website and apps: Chubb – 87.35
  • Best home insurance company for renewals:  Erie -- 98%
  • Best home insurance for recommendations: Chub – 93%

While everyone loves a bargain, price was overshadowed by service when surveyed policyholders were asked to leave feedback. When customers described their home insurance company, the overwhelming majority commented about how the company treated them, how responsive the company was in answering questions about coverage or claims and about features of the coverage, such as discounts or  apps. It’s not that price wasn’t mentioned, but rather that it wasn’t the primary reason policyholders liked – or disliked-- their insurer.

You’ll see in the table below how each company scored overall, as well as on each metric, in Insure.com’s Best Home Insurance Companies ranking. To write your own review, see all the comments for each company from our survey respondents, as well as detailed information on each company’s coverage and discounts, visit our company pages by clicking on the logo in the table below.

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Here are what some policyholders had to say when asked to make a comment about their experience (you can see all comments for each company by clicking on the logo in the table above):

1. Chubb:

  • “They make you feel like you are a valued customer.”
  • “The mobile app provided by company is superb.”
  • “You get complete coverage for the best price.”


Good to know:

Chubb will pay to have your home repaired or rebuilt to its original standards, even if the cost is more than your policy limit. It will also pay for necessary upgrades due to modern building codes. If you don't want to rebuild, Chubb will offer a cash settlement up to your policy limit. It also has specialized wildfire coverage that will send certified firefighters to your home if a wildfire is endangering your house.


Bottom line:

Chubb scored ranked No. 1 overall, and also placed first for value for the price and for usefulness of its website and apps. It ranked third for customer service and fifth for claims handling. Ninety-five percent said they’d renew, and 93% said they’d recommend Chub. Baby Boomers and Gen X also chose the carrier as its top choice overall. Though Chubb specializes in high-end homes  you don’t have to well-to-do to take advantage of its generous coverage options, such as cash settlement and extended liability, and perks not offered by other carriers.


Note that USAA serves only to active and retired military personnel and their immediate family members.

  • “We had a bad hailstorm about four years ago. There was a lot of damage to our house. We called USAA and they sent an adjuster a couple of days later. They covered every bit of damage to our house and storage buildings. They even covered the damage to our mailbox. We were able to get everything fixed and back to normal, while others were still waiting on their adjuster.”
  • “I feel I am valued, the policies we have are reasonably priced and we can reach customer support when we need to and get answers to our questions.”
  • “I think this insurance company is excellent. They have a great mobile app and a wonderful online website. It's very easy to get a hold of someone in the customer service department if you would rather deal with people on the phone. They always send you your yearly information for updating your insurance policies if you would like more coverage and if you're confused about the paperwork they're more than willing to talk with you over the phone to figure it out. Previously I had made claims with this insurance company they were handled very professionally, they sent out an insurance adjuster immediately, and there was never any problems with submitting the claim for payment.”


Good to know:

USAA includes replacement cost coverage for your home and personal belongings as the default, which means you don’t pay extra to have your house and items replaced at today's value, with no depreciation factored in. USAA also offers insurance for those who rent out their home through services such as AirBnB.


Bottom line:

USAA ranks No. 2 overall, but first on the individual metrics of customer service satisfaction. It placed second on useful website/apps, but by less than one point.  Ninety-five percent said they’d renew with USAA, and 86% said they would recommend it. Its limited membership, however, means it’s not available to everyone.

3. Esurance

  • “Reasonable price and the customer service is excellent. They care about you not just your money.”
  • “They've been great about helping me understand my coverage.”
  • “Every six months, they look for new discounts for my overall price and the amount goes down a little. I like the option of paying in full or monthly. The mobile app is straightforward and user friendly. I haven't had to use it yet but if I did, I would feel comfortable calling with a claim.”


Good to know:

In addition to the usual standard home insurance discounts more carriers offer,  Esurance will also pay you $50 for using its DIY home inspection app when you sign up for a new policy. You can also earn price reductions for going claims-free for a year or more. 


Bottom line:

Esurance ranked third overall, and placed second for price. It came in third for claims handling.  While it was also third for website/app usefulness, it only missed the top spot by less than a point. It placed fourth for customer service. Ninety-five percent said they’d renew, while 92% said they would recommend Esurance.


Best home insurance companies by age 

Here is how insurance companies ranked when data were analyzed by age and region.

  • Best home insurance companies for millennials:
  1. Erie
  2. USAA
  3. Nationwide
  • Best home insurance companies for Gen X:
  1. Chubb
  2. Esurance
  3. Progressive
  • Best home insurance companies for Baby Boomers:
  1. Chubb
  2. USAA
  3. Allstate

Best home insurance companies by region

  • Best home insurance companies for Northeast Region:
  1. Chubb
  2. Esurance
  3. USAA
  • Best home insurance companies for Midwest Region:
  1. Allstate
  2. USAA
  3. Chubb
  • Best home insurance companies for South Region:
  1. Erie
  2. Esurance
  3. Nationwide
  • Best home insurance companies for West Region:
  1. Chubb
  2. USAA
  3. Safeco

Agree with our findings? Disagree? Join the conversation by sharing your own experience with your car insurance provider in the commenting forum below.

Note that this is an independent editorial analysis devoid of affiliations or partnerships of any kind– companies did not pay to be included. Finally, the A.M. Best financial ratings represent an assessment of an insurer's ability to meet its financial obligations to policyholders, and are separate from the editorial ranking.

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Insure.com commissioned Op4G to survey more than 4,600 insurance customers nationwide in May 2019. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of 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

Auto, home and health insurers were ranked according to a weighted 6-point measurement of the following factors: customer service, claims processing, value for price, website/apps and would recommend and would renew. Life insurers were rated on a weighted 4-point measurement on customer service, value for price, website/apps and would recommend. Weighted measurements were derived from surveyed policyholders’ historical rank of prioritization of these factors. Overall score shown out two decimals, individual ranking scores (claims, etc.) shown without decimals; however, we used additional precision to assign rankings.

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

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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