Compare and shop for homeowners insurance Compare home insurance quotes with expert guidance. Enter your ZIP here Please enter a valid zipcode Get Started Home insurance rates are increasing, and your coverage needs may be changing. As severe weather and a changing market make it harder to buy homeowners insurance at an affordable rate, knowing your options is more important than ever. Home insurance is too important to risk not getting it right. Shop and compare home insurance rates with the experts at Insure.com to find the coverage you need from a top company, all at the right price. Why choose Insure.com when shopping for home insurance? 1 Compare quotes quickly. Get homeowners insurance quotes fast. 2 Compare top insurance companies. Comparison shop from top home insurance companies to find the right policy. 3 Get expert advice. We have decades of experience guiding homeowners through the insurance buying process. Insure.com has been helping homeowners buy home insurance for more than 20 years. With easy-to-use tools developed by insurance experts, guidance and advice in straightforward terms and insights into rates and how to save, we can help you, too. Insurance basics to know before you start shopping When you’re shopping for something as important as home insurance, you need to know what you’re buying and how it works. Start by learning the basics of home insurance so you can make educated insurance decisions. Home insurance basics Average home insurance rates Home insurance rates by state What does home insurance cover? Dwelling coverage Additional living expenses coverage Personal property insurance Home insurance deductible Personal liability insurance Home insurance exclusions How to shop for homeowners insurance Types of homeowners insurance Home insurance claims How to create a home inventory How to find a homeowners insurance policy Compare the best home insurance companies of 2025 Every year, Insure.com delves into the customer experience, insurance pricing and third-party ratings to choose our list of the Best Home Insurance Companies. Compare our top picks for homeowners insurance to find the company that works best for you. Best home insurance companies 2025 Rank 2024 Rank Company Overall Ranking Customer Satisfaction Read full review 2025 Rank: 1 2024 Rank: 1 Amica Overall rating 4.73 Customer satisfaction rating: 4.73 Amica review 2025 Rank: 2 2024 Rank: 2 State Farm Overall rating 4.55 Customer satisfaction rating: 4.45 State Farm review 2025 Rank: 3 2024 Rank: 3 Allstate Overall rating 4.40 Customer satisfaction rating: 4.31 Allstate review 2025 Rank: 4 2024 Rank: 7 Progressive Overall rating 4.07 Customer satisfaction rating: 4.21 Progressive review 2025 Rank: 5 2024 Rank: 4 Nationwide Overall rating 4.05 Customer satisfaction rating: 4.50 Nationwide review 2025 Rank: 6 2024 Rank: 5 Farmers Overall rating 3.86 Customer satisfaction rating: 4.17 Farmers review 2025 Rank: 7 2024 Rank: 6 Travelers Overall rating 3.80 Customer satisfaction rating: 4.23 Travelers review 2025 Rank: NR 2024 Rank: NR USAA* Overall rating 4.60 Customer satisfaction rating: 4.63 USAA review Note: An insurer needs to do business in at least 40 states to rank as a national company. Regional carriers were rated but not ranked. The three regional carriers we rated are Erie, Auto-Owners and American Family. Had we ranked the regional carriers with the national, Erie would have taken second place, pushing Allstate out of the top three; Allstate would have ranked fifth behind Auto-Owners. Here’s how the rankings would have looked with regional carriers included. Best home insurance companies with regional and national carriers 2025 Rank 2024 Rank Company Overall Ranking Customer Satisfaction Read full review 2025 Rank: 1 2024 Rank: 2 Amica Overall rating 4.73 Customer satisfaction rating: 4.73 Amica review 2025 Rank: 2 2024 Rank: 1 Erie Overall rating 4.62 Customer satisfaction rating: 4.39 Erie review 2025 Rank: 3 2024 Rank: 4 State Farm Overall rating 4.55 Customer satisfaction rating: 4.45 State Farm review 2025 Rank: 4 2024 Rank: 3 Auto-Owners Overall rating 4.48 Customer satisfaction rating: 4.36 Auto-Owners review 2025 Rank: 5 2024 Rank: 5(tie) Allstate Overall rating 4.40 Customer satisfaction rating: 4.31 Allstate review 2025 Rank: 6(tie) 2024 Rank: 5(tie) American Family Overall rating 4.07 Customer satisfaction rating: 4.30 American Family review 2025 Rank: 6(tie) 2024 Rank: 10 Progressive Overall rating 4.07 Customer satisfaction rating: 4.21 Progressive review 2025 Rank: 8 2024 Rank: 7 Nationwide Overall rating 4.05 Customer satisfaction rating: 4.50 Nationwide review 2025 Rank: 9 2024 Rank: 8 Farmers Overall rating 3.86 Customer satisfaction rating: 4.17 Farmers review 2025 Rank: 10 2024 Rank: 9 Travelers Overall rating 3.80 Customer satisfaction rating: 4.23 Travelers review 2025 Rank: NR 2024 Rank: NR USAA* Overall rating 4.60 Customer satisfaction rating: 4.63 USAA review Expand List Homeowners insurance quote comparison by state Homeowners insurance rates vary quite a bit by state, as the risks in different areas affect how much insurance companies will charge. Take a look at how your state compares to others below. Graph Table State Average annual rate Alabama $3,131 Alaska $1,695 Arizona $2,468 Arkansas $3,948 California $1,386 Colorado $4,086 Connecticut $2,205 Delaware $1,366 Florida $4,405 Georgia $2,286 Hawaii $593 Idaho $1,950 Illinois $3,044 Indiana $2,969 Iowa $2,642 Kansas $4,826 Kentucky $3,314 Louisiana $3,576 Maine $1,375 Maryland $1,707 Massachusetts $1,622 Michigan $2,396 Minnesota $2,399 Mississippi $3,369 Missouri $3,528 Montana $3,265 Nebraska $4,785 Nevada $1,444 New Hampshire $1,209 New Jersey $1,506 New Mexico $2,638 New York $1,777 North Carolina $2,933 North Dakota $3,134 Ohio $2,144 Oklahoma $5,749 Oregon $1,741 Pennsylvania $1,886 Rhode Island $1,932 South Carolina $2,668 South Dakota $3,374 Tennessee $3,045 Texas $3,844 Utah $1,792 Vermont $1,247 Virginia $2,135 Washington $1,596 Washington, D.C. $1,327 West Virginia $1,886 Wisconsin $1,648 Wyoming $1,885 AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Select StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyoming Compare home insurance rates by ZIP code Within each state, home insurance rates vary further; again, the risk in each area differs. Compare home insurance rates for your ZIP code here to see how much you could save by switching. Please enter a valid zipcode View Carriers Get quick estimates with our insurance tools and calculators Whether you need insurance for a single-family home, a condo or as a renter, our tools can provide home insurance rate estimates to help you understand the cost of home insurance in your area. Home insurance calculator Renters insurance calculator Condo insurance calculator Cost of living calculator Save money on homeowners insurance If you’ve seen your home insurance rates increase, you’re not alone. With home insurance rates up across the nation, our experts are dedicated to helping you bring your rates back down. Ways to save on home insurance Home insurance discounts How to bundle home and auto insurance to save money How to switch home insurance Explore home insurance options In addition to standard homeowners insurance, there are several policy options available for different types of homes and situations. Renters insurance Condo insurance Mobile home insurance Hurricane insurance Flood insurance Home and auto bundle insurance Frequently asked questions about shopping for home insurance How often should I shop for homeowners insurance? It’s a good idea to compare home insurance quotes at least once a year. Your renewal notice is a good reminder to see if you can find a better rate than the renewal rate offered by your current insurer. What company has the cheapest home insurance? Our rate comparison found that Amica has the cheapest average rates among major insurance companies nationwide. However, rates can vary widely from place to place, so it’s vital to get quotes specific to your home. How many quotes should I get for home insurance? Three to five quotes is our general recommendation; however, the more quotes you get, the more likely it is you’ll find the best price.