Best homeowners insurance company overall: State Farm

Why we recommend it: State Farm received a four-star InsureScore for claims handling and customer service, has industry-best educational resources and tools and a host of specialized coverage options.

Editors’ pros and cons

Pros:

  • Wide network of agents but also a customer-friendly website and apps.
  • Website provides robust educational tools and financial calculators.
  • State Farm had the highest percentage that would renew a policy (97%).

Cons:

  • Limited discounts.

In addition to standard home coverage, State Farm has an increased replacement cost coverage feature that automatically boosts your replacement cost coverage up to 20% as long as you’ve insured your home at least up to its estimated replacement cost. Another add-on you can buy will help pay the extra cost replace broken heating or cooling systems with energy efficient ones. State Farm also has a benefit that pays to replace large appliances. You can also buy coverage to help for expenses if you need to move or repair your home due to building laws. It also sells earthquake insurance.

Feedback from surveyed customers:

  • “Good customer service and rates. Easy to do business with.”--Ohio, age 67
  • “The customer service reps really go above and beyond, and the prices are among the lowest.”--Mississippi, age 49
  • “Great company, reasonable prices and excellent customer service.” --Indiana, age 38
  • “When I had a problem with my roofing and needed to replace it, I called an agent and they took the time to solve my claim and the inspector came to see the house and in this same day they provided me with a check.” --Arizona, age 41
  • “I have been with them for over 20 years and they always do a good job for us.” --Kansas, age 70

Read the full State Farm review for details and availability

Best home insurance company for customer satisfaction: American Family

Why we recommend it: American Family earned a four-star InsureScore for both claims and customer service and has a very low amount of complaints filed with state regulators.

Editors’ pros and cons

Pros:

  • Ninety-four percent of surveyed customers said they’d renew a policy.
  • A lot of special coverages and discounts.

Cons:

  • Availability is somewhat limited as American Family only operates in 19 states.

In addition to standard coverage, American Family offers some specialized add-ons. You can buy coverage for matching siding, which will pay to replace undamaged siding so that it matches the siding of the damaged area.

You can also add coverage for family members living in nursing homes or assisted living homes. The relative’s personal possessions are covered under your policy. Under this benefit, your relative is also covered if he or she causes accidental injuries to others or damages to others’ property. (Injuries to personnel of the nursing home or assisted living facility are not covered by this additional coverage.)

American Family now offers a diminishing deductible you can buy that reduces our deductible over time. Your deductible will be cut by $100 yearly at renewal, up to your policy’s maximum limit.

Discounts beyond the typical kind include those for smart homes and a generational discount. If you have a smart-home security system equipped with sensors that detect smoke, fire and water, you can snag a discount. American Family also has a generational discount – if you’re between the ages of 18 to 30 and your parents have an active home or auto policy with American Family, you could save more with on your home policy.

Feedback from surveyed customers:

  • “They are the best. They are always there for you and treat you like family.” --Kansas, age 60
  • “American Family has always been good to us. They are easy to talk to. The claims process is easy and quick. They answer any questions we have completely.” --Iowa, age 42
  • “They are great, they have the lowest prices but yet they give me more for my money and they take care of everything for me. If I have any questions they are happy to take my phone call and answer the questions fast and easy to understand. I feel like they care about me and are honest and open with me.” --Indiana, age 54

Read the complete American Family review

Best homeowners insurance for price: Travelers

Why we recommend it: Travelers had the lowest rates for coverage among carriers surveyed, and also a low level of complaints filed with state regulators.

Pros:

  • Travelers received a four-star InsureScore for claims and for customer service.

Cons:

  • Discounts are fairly standard.
  • Home and auto bundle discount is, on average, lower than some major carriers.

Travelers offers “green home coverage,” which pays for green materials when rebuilding or repairing your home. If you become a victim of identity fraud, Travelers’ identity fraud expense reimbursement coverage pays up to $25,000 for costs incurred to restore your identity. You can also manage your policy from an Alexa. Travelers also sells flood insurance.

Feedback from surveyed customers:

  • “They helped me extremely well after damage to my property after a recent hurricane. I was amazed how quickly an agent was sent to my home to assess my problems. Before the week was out, I had been reimbursed for the cost of restoring my property.” --Connecticut, age 73
  • “Travelers is an outstanding insurance company.  I have never had a claim experience that was negative from this provider.  They really are there for you when you need them to be.  Customer Service is outstanding and the rates are extremely competitive for the coverage you receive.” --Georgia, age 65
  • “They gave me a reasonable price on a rental property I own.  They allowed a wood stove and no pet restrictions on my policy with tenants.” --Maine, age 53
  • “We submitted a claim and it was accepted and paid very quickly with little effort on our part.” --Massachusetts, age 76

Read the full Travelers review

Best for homeowners insurance discounts: Farmers

Why we recommend it: Farmers had the most home insurance discounts among carriers surveyed – 17 price breaks, with five of those available only in some states, and flexible coverage plans for three homeowner profiles.

Editors’ pros and cons

Pros:

  • Farmers’ Smart Home Plan policies offer standard, enhanced and premiere policies, each designed to meet the needs of homeowners in different life stages. Within each of these packages you can raise or lower coverage limits, and add or change coverage.
  • Discounts beyond the standard include those for green-certified homes, connected homes, those with a Farmers renters policy who switch to homeowner coverage.

Cons:

  • Average scores for claims, price and customer service.

Depending on which policy you have, benefits include a vanishing deductible, being able to file a claim without a rate increase if you’ve had no claims in five years as a policyholder and having cosmetic damage paid for when you file a claim for functional damage. You can also get price breaks on an ADT Security system, which partners with Farmers to provide two types of systems.

Feedback from surveyed customers:

  • “Choose this company because they are offering decent coverage at a decent price even with increases in California due to the fires.” --California, age 56
  • “Excellent customer service and they will fit a policy to your needs.” --Texas, age 67
  • “Very professional, reliable, the best claims department, reasonable rates.” --Georgia, age 60

Read the full Farmers review for details and availability

Best for auto and homeowners insurance bundle: Nationwide

Why we recommend it: Nationwide’s average bundle rate saved customers 25% on their coverage, more than other major carriers surveyed in a rate analysis.

Editors’ pros and cons

Pros:

  • Easy to get quotes and file claims online.
  • Includes a benefit in standard coverage that pays to rebuild your home at current building code requirements.

Cons:

  • Average ratings for claims handling and customer service.
  • Though 85% of customers surveyed said they’d renew, it was among the lowest percentages compared to other carriers.

When filing a roof claim, the Better Roof Replacement add-on will replace your roof with a higher quality one than you had before. If you need to rebuild your home, Nationwide’s “replacement cost plus” coverage pays up to an additional 20% more than your policy limit if it costs more to rebuild your house. It also sells earthquake and flood insurance.

Feedback from surveyed customers:

  • “They are very responsive and professional and go out of their way to truly know their customers.” --Vermont, age 64
  • “I haven't had many claims but when I have, they were very quick at assessing the damage and then cutting a check that was sufficient to repair the damage. In one case, the repair went higher than the estimate and they sent a supplemental check right away.” West Virginia, age 68
  • “They have been very easy to work with when we've had to add riders to our policy.” --Ohio, age 55

Read the full Nationwide review

Best homeowners insurance for military: USAA

Why we recommend it: USAA has historically placed at the top, and often at No. 1, overall for home and car insurance, as it offers industry-best customer service and pricing. But due to its limited membership, it’s not included in the overall rankings.

Editors’ pros and cons

Pros

  • USAA received the highest scores in all categories, earning an InsureScore of 4.5 stars for customer service, claims, price and website/apps.

Cons

  • Not available to general public-- it’s only available to active and retired military members and their immediate families.

USAA includes replacement cost coverage for your 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. If military uniforms are damaged and you file a claim, you won’t pay a deductible to replace them if active duty or deployed. Another benefit is that up to $5,000 in protection for identity theft is included in your policy. USAA also sells earthquake insurance.

Feedback from surveyed customers:

  • “Very satisfied with the policies they offer and feel like they are always available to answer any questions or help in any way.” --Arizona, age 56
  • “I have had a superior experience with USAA. Best customer service, best policy options for coverage and great prices. An excellent value!”” --California, age 47
  • “They went after the manufacturer for a 13 year old fridge when my kitchen flooded and got me my deductible back.” --Texas, age 34

Read the full review for USAA

Compare top home insurance companies

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Age
Value for Price
Customer Service
Claims Service
Website and Apps

How do I choose the best home insurance company?

When deciding which company is best for you, take into account how well the policy offerings and discounts match your homeowner profile, in addition to how a company rates for customer service. You can find details on most of the topics below by clicking on the company review button in the chart above.

Here’s how to find the best home insurance company for you:

  • Research their record on customer service and claims handling -- You want to be sure the company has a reputation for being responsive to customer needs, as well as for prompt and no-hassle claims handling.
  • Review policy offerings – If you want to get specialized coverages for your particular situation, say you want wildfire protection, rent your home through Airbnb, need extended coverage for your small home-based business or own a historic home, make sure the companies on your list can meet those needs.
  • Assess discounts – When it comes to discounts, what matters most is not how many are available but rather how many match your particular situation. For instance, if you qualify for discounts for roofing with resistant materials, or have installed a high-tech security and monitoring system, or replaced your plumbing, heating or electrical systems, you’d want to choose a company that offers discounts for those.
  • Consider their financial strength ratings – Be sure the company has a healthy financial portfolio by checking A.M. Best ratings so you can be confident they have the resources to pay claims. Most major carriers will pass muster, but smaller, regional companies may not, so be sure to check.
  • Check complaints to state regulators – You can see how many complaints were filed to state overseers for companies you’re considering by visiting the company review pages at Insure.com or the National Association of Insurance Commissioner’s website.
  • Compare pricing – Once you’ve vetted companies on all of the above and decided how much coverage you need, compare quotes from at least three companies to see who has the best rates. Some carriers may have huge discounts, but also a higher base rate, so still are more expensive than the others. One may be a bit cheaper and has identical coverage compared to others, in which case you’ll save money by going with that one.

What are the best home insurance companies for coverage options?


Here's the percent of survey respondents who rated their homeowners insurance company as having outstanding coverage offerings that they are completely satisfied with:

  • USAA – 70%
  • AIG – 51%
  • Allstate – 49%
  • State Farm – 49%
  • Auto-Owners – 48%
  • Erie – 46%
  • Safeco – 46%
  • American Family – 44%
  • Liberty Mutual – 44%
  • Nationwide – 42%
  • Progressive – 42%
  • Hartford – 39%
  • Travelers – 37%
  • Chubb – 35%
  • Farmers – 34%

Top 10 homeowners insurance discounts

Of the discounts Insure.com surveyed, here are the top 10 types of home insurance discounts that save you the most:

Here are the average annual percent savings you can get for common discounts, based on Insure.com’s rate data analysis.

CompanyTypeAverage discount
New HomeNew Construction Recently Purchased40%
Age of home5 Years Old26%
BundleHome And Auto18%
UpgradesElectrical, plumbing, heating done at once or over recent short period of   time13%
Age of home10 Years Old13%
Construction typeFire Resistive11%
Construction typeSuperior11%
UpgradesRoof Upgrade11%
Advance Purchase10+ Days Advance Purchase9%
Advance Purchase7 Days Advance Purchase8%
Loyalty10+ Years Renewal8%
Construction typeMasonry7%
Construction typeFrame - To 66% Masonry Veneer6%
Construction typeFrame - Over 66% Masonry Veneer6%
Paid in FullPaid in Full6%
Loyalty5 Years Renewal6%
SprinklersSprinklers6%
Claims Free5 Year Claims Free5%
Claims Free10+ Year Claims Free5%
Hail Resitant RoofHail Resistant Roof5%
Loyalty3 Years Renewal5%
Construction typeAsbestos/Stucco4%
Fire AlarmCentral Station4%
Fire AlarmFire Department4%
Gated CommunityWith Patrol4%
BundleHome and Umbrella4%
BundleHome and Life4%
Burglar AlarmPolice Department4%
Burglar AlarmCentral Station4%
Age of home15 Years Old4%
Water Safety SystemWater Leak Detection - Shut Off And Alarm4%
Water Safety SystemWater Leak Detection - Shut Off3%
UpgradesElectrical Upgrade3%
Gated CommunityWithout Patrol3%
Water Safety SystemWater Leak Detection - Alarm3%
Automatic paymentsElectronic Fund Transfer3%
UpgradesPlumbing Upgrade2%
Construction typeFrame - To 33% Masonry Veneer2%
Burglar AlarmLocal2%
UpgradesHeating Upgrade2%
Fire AlarmLocal2%
Age of home20 Years Old2%
Smoke DetectorSmoke Detector2%
Fire ExtinguisherFire Extinguisher2%
Storm ShutterStorm Shutters1%
DeadboltDeadbolt1%

Here are some explanations of the discount categories in the chart above:

How do I get cheap homeowners insurance?

Here are the best ways to find affordable coverage without sacrificing coverage:

Compare home insurance quotes: Insure.com surveyed more than 300 homeowners and found that 33% never shop their policy, which means they're losing out on significant savings, as pricing varies significantly among carriers. Three percent only compare home insurance quotes every 10 years, 13% do so every five years and 28% every few years. Just 23% do so annually. You should shop your policy at least every year upon renewal to be sure you are getting the most affordable rate from a company that fits your homeowner profile.

Don't file small claims: You have insurance to help repair your home and replace your belongings, so you should use it if calamity strikes. However, filing claims can increase rates, on average, up to 29%, so be mindful of that before you look to your policy for a payout. If, for example, a window is broken and the cost to fix it is relatively low, it's likely not worth it to file a claim that will hike your rates.

Frequently asked questions about home insurance

The cheapest home insurance companies among those surveyed by Insure.com are as follows,

  • Travelers
  • CSAA Exchange (part of AAA)
  • Allstate
  • State Farm
  • Interinsurance Exchange of the Automobile Club (part of AAA)
  • Chubb
  • Arbella
  • Farmers
  • Safeco
  • Erie

The list above is based on an analysis of average rates for a policy of $300,000 in liability and dwelling, with a $1,000 deductible. What you pay, however, depends on where you live, the materials and age of your home, your credit history and other factors.

Your dwelling coverage should equal the cost to repair damage to your home or rebuild it completely at equal quality — at current prices. This is called the replacement cost. You can calculate this number by making a thorough inventory of building materials used for your home, using online calculators, or, you can hire an appraiser to do it for you.

You should get $300,000 worth of liability coverage. Most home insurance policies come with $100,000 in personal liability insurance but this is rarely enough. The cost to defend a lawsuit or to pay for medical expenses for a serious injury can easily exceed that amount.

The key factors that influence how much you pay for home insurance are:

  • Location of your home
  • Age of your home
  • Materials used to build your home
  • Claims history of the house
  • Your credit history (in most states)
  • Proximity to a fire station
  • Whether or not you have a security system
  • The amount of weather-resistant materials your home has
  • The condition of the roof

What we surveyed to rank the best homeowners insurance companies

We commissioned a survey of top company policyholders. Many of those surveyed had multiple types of policies. 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.We asked policyholders about the following categories for ranking purposes:

Value For Price
value-for-price
Usefulness of website & mobile apps
website-mobile-apps
Customer Service
customer-service
Plan To Renew
plan-to-renew
Claims satisfaction
claims-satisfaction
Would Recommend
recommend

We also asked for feedback and anecdotes to help people who may be looking to purchase a policy with their current insurance provider. And we asked questions that are not rated or ranked on, such as why they first purchased from the company and how they prefer to deal with their insurer, as this may be valuable to you when deciding if the company is the right fit for your needs. To view the extra information, be sure to click on the company logo to view its individual page.

How we ranked the top home insurance companies

Our team of insurance and data experts ranked and identified the best home insurance companies based on what policyholders in our survey have to say about their experiences. This is an independent editorial analysis devoid of affiliations or partnerships of any kind - companies did not pay to be included. The A.M. Best financial ratings represent an assessment of an insurer's ability to meet its financial obligations to policyholders. These are separate from the editorial ranking.

Consumer's feedback are weighted as follows:

Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Recommendation
5%
Renew
5%

The expert team reviews and analyzed the survey results to share with consumers because we believe it's important to view and evaluate real-life feedback when shopping for insurance. Getting more information is always better when researching the best insurance companies, so continue on to see what our surveyed policyholders had to say.

Why you should trust us

We’re not only home insurance experts who enjoy sharing our knowledge. We’re also consumers just like you. As consumers, we want to know what to expect when it comes to a company’s claims service and if the insurer has a decent website and apps. We, too, want a good price, great customer service and to feel comfortable when deciding on a company to purchase an insurance policy. For this reason, we take our Best Home Insurance Company’s survey seriously so that all of us can find the insurance company that fits our needs.

Whether it’s your first-time buying insurance or switching insurance providers or 25th time, our mission is to provide you with a quick and easy way to review and determine which companies will be the best fit for you. Our reviews and rankings are unbiased and based on the earnest ratings and feedback from surveyed policyholders.

why-trust-us
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