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terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums,
commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The
information on this site does not modify any insurance policy terms in any way.
Click at least 2-3 companies to find the very best rate.
Best Overall Home Insurance
Auto-Owners
A++
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
831
J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Customer Experience
Amica
A+
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
854
J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Add-On Coverage
Nationwide
A+
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
812
J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Discounts
Allstate
A+
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
829
J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Military-Focused Coverage
USAA
A++
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
882
J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Basic Home Insurance
ERIE
A+
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
835
J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Policy Dividends
NJM Home Insurance
A+
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
N/A
J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
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Click at least 2-3 companies to find the very best rate.
Reviews Report
Based on the latest independent satisfaction and claims studies, complaint data, and financial strength checks, Amica Mutual is our top overall pick for service and claims experience; Erie and Auto-Owners also stand out for value and claims support.
These top home insurance companies were chosen using up-to-date factors including unique and abundant discounts, customizable endorsements, strong financial strength, current customer satisfaction and claims results, complaint ratios, and state-by-state availability.
Given the significant financial investment a home represents, insurance is a recommended protection and is commonly required by mortgage companies if your home is financed. When it comes to choosing a provider, options and availability can vary by state. This review reflects current conditions and incorporates recent independent satisfaction results (J.D. Power’s 2024 U.S. Home Insurance Study and 2025 U.S. Property Claims Satisfaction Study), NAIC complaint data, AM Best financial strength, and updated pricing benchmarks (NAIC 2022 actuals and Bankrate’s 2024 modeled averages) to help you find the right fit.
Reviews.com benchmarks average premiums using the latest official NAIC data (countrywide average about $1,544 in 2022) and more current modeled rates from Bankrate (around $1,759 nationally in 2024 for a standard profile). We also compare discounts, coverage options, and third-party evaluations. Compare quotes from home insurance providers in your state to help you get the best homeowners insurance rate available.
Compare the Top Home Insurance Companies
AVERAGE ANNUAL PREMIUM*
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
J.D. Power** J.D. Power scores are based on surveys for customer satisfaction and product quality.
Auto-Owners is our top selection for homeowners insurance of the companies we reviewed. The company has excellent third-party reviews for customer satisfaction and financial strength, plus it offers a variety of discounts and add-ons that allow homeowners to design a customized policy.
A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
831* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
Auto-Owners is our top selection for homeowners insurance of the companies we reviewed. The company has excellent third-party reviews for customer satisfaction and financial strength, plus it offers a variety of discounts and add-ons that allow homeowners to design a customized policy.
Among our top companies, Amica receives the highest scores for customer satisfaction by J.D. Power, for companies considered eligible for ranking. In addition, the company offers a few unique options for extended coverage.
A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
854* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
Among our top companies, Amica receives the highest scores for customer satisfaction by J.D. Power, for companies considered eligible for ranking. In addition, the company offers a few unique options for extended coverage.
Nationwide may be a great choice for policyholders looking for specific optional coverages that can fill gaps in your standard policy. Some of the add-ons available from Nationwide include Brand New Belongings coverage, Better Roof Replacement coverage, extended replacement cost, and law/ordinance coverage.
A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
812* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
Nationwide may be a great choice for policyholders looking for specific optional coverages that can fill gaps in your standard policy. Some of the add-ons available from Nationwide include Brand New Belongings coverage, Better Roof Replacement coverage, extended replacement cost, and law/ordinance coverage.
If you are looking for affordable home insurance, Allstate offers several options to help you potentially lock in or lower your rate. With Allstate’s Claim RateGuard and Deductible Rewards programs, your premium won’t change after filing your first claim, and you can get $100 off your deductible for each year you stay claim-free, up to $500.
A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
829* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
If you are looking for affordable home insurance, Allstate offers several options to help you potentially lock in or lower your rate. With Allstate’s Claim RateGuard and Deductible Rewards programs, your premium won’t change after filing your first claim, and you can get $100 off your deductible for each year you stay claim-free, up to $500.
USAA exclusively sells insurance to active duty and retired military personnel, as well as their eligible spouses and children. If you are a member of the Armed Forces, USAA may be a top choice for home insurance, as it has excellent customer satisfaction ratings and competitive premiums, based on 2021 quoted annual premiums from Bankrate.com.
A++ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
882* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
USAA exclusively sells insurance to active duty and retired military personnel, as well as their eligible spouses and children. If you are a member of the Armed Forces, USAA may be a top choice for home insurance, as it has excellent customer satisfaction ratings and competitive premiums, based on 2021 quoted annual premiums from Bankrate.com.
Pros
Strong financial and customer satisfaction ratings
Mobile claim filing and tracking
Cons
Limited available discounts
Only available to former and active military and their families
For homeowners who are only looking for a basic policy with standard coverage, Erie may be worth considering. The company offers 24/7 customer support and has high customer satisfaction ratings, in addition to low premiums — based on our evaluation of average annual rates. Plus, every policy includes replacement cost coverage if you make basic home improvements, depending on your state.
A+ (Superior) AM Best Rate AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
835* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
For homeowners who are only looking for a basic policy with standard coverage, Erie may be worth considering. The company offers 24/7 customer support and has high customer satisfaction ratings, in addition to low premiums — based on our evaluation of average annual rates. Plus, every policy includes replacement cost coverage if you make basic home improvements, depending on your state.
Pros
Strong financial ratings from AM Best
Above average claim satisfaction scores
24/7 customer support
Cons
Not available in all states
No home insurance mobile app or online claims
Limited discounts
Read More
Discounts Available
Smoke/burglary alarm system or automatic sprinkler system
New Jersey Manufacturers (NJM) is unique among the best insurers for its dividend policies. NJM policyholders have the opportunity to recoup a portion of their premiums at the end of the year based on company performance, which may help you save money on home insurance.
A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
N/A* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
New Jersey Manufacturers (NJM) is unique among the best insurers for its dividend policies. NJM policyholders have the opportunity to recoup a portion of their premiums at the end of the year based on company performance, which may help you save money on home insurance.
Pros
Bundling discounts available
Opportunity to receive dividends
Variety of endorsements
Cons
Not rated by J.D. Power
Some coverages and discounts are not available in every state
Premiums have risen markedly since 2021. For context, the latest official NAIC countrywide average homeowners premium was about $1,544 in 2022, and more current modeled averages from Bankrate indicate roughly $1,759 nationally in 2024 for a standard $300,000 dwelling policy. The table below reflects sample averages for $250,000 in dwelling coverage and may not mirror current prices.
Bundling home and auto insurance is a popular option offered by top home insurance companies. Insurance providers may offer up to a 10% to 25% discount on premiums when customers bundle home and car insurance with the same company, with some carriers advertising lower caps on the auto side (around 5%) and higher caps on the homeowners side (up to about 29%), depending on the brand and state. If you’re shopping for affordable home or auto insurance, bundling can streamline the process and potentially save money on both policies.
While our review includes some of the most widely-known names in the industry and may provide useful metrics for comparison, the best home insurance for each person will depend on their budget, coverage needs, and which state they live in.
Based on a review of average annual premiums for $250,000 in dwelling coverage, the average cost of home insurance is $1,312 a year, according to 2021 data from Bankrate.com. However, your coverage and limits will affect rates, among other factors unique to you and your home.
Methodologies
Home Insurance Methodology
We evaluated the companies based on recent independent satisfaction and claims studies, regulatory complaint indices, financial stability, availability, and coverage options to determine which might be the best providers.
To compare home insurance companies across the board, we considered the following factors:
Customer Ratings — Customer ratings are an indication of satisfaction with service and claims. We measured this using J.D. Power’s 2024 U.S. Home Insurance Study ratings and findings from J.D. Power’s 2025 U.S. Property Claims Satisfaction Study.
Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.
Rates and benchmarks draw on the latest NAIC homeowners averages (2022 actuals) and Bankrate’s 2024 modeled rates. These are sample benchmarks and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
Coverage A, Dwelling: $250,000
Coverage B, Other Structures: $25,000
Coverage C, Personal Property: $125,000
Coverage D, Loss of Use: $50,000
Coverage E, Liability: $300,000
Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
