This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the 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.
Advertising Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
Powered by HomeInsurance.com (NPN: 8781838)
Insurance Disclosure This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the 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 Extended Coverage
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 Premium and Deductible Costs
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 Members
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.
Advertiser Disclosure
We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.
Click at least 2-3 companies to find the very best rate.
Reviews Report
Reviews.com rates Auto-Owners as the best homeowners insurance company on our list, based on available third-party agency scores and ratings.
These top home insurance companies were chosen based on having unique or abundant discounts, strong financial and customer satisfaction ratings, and customizable coverage options.
Given the significant financial investment a home represents, insurance is a recommended protection to have and is commonly required by mortgage companies if your home is financed. When it comes to choosing a provider, the options are abundant. This review analyzes the best home insurance companies on the basis of quoted annual premium data from Coverage.com, and third-party ratings from agencies like AM Best and J.D. Power, to help in your search for the right fit.
Reviews.com used data from Coverage.com to find the average home insurance premiums in each state. We also compared discounts, coverage options, and third-party evaluations to rank and review the best home insurance. 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.
**J.D. Power’s 2021 Home Insurance Study; USAA is not ranked by J.D. Power due to eligibility requirements
The Best Home Insurance Companies
Best Overall Home Insurance
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.
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 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 quoted annual premiums from Coverage.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 quoted annual premiums from Coverage.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
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. If you’re shopping for affordable home or auto insurance, bundling is an easy option to not only make the home insurance policy-buying process smoother (since the company already has your information), but also can 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 review of average annual premiums for $200,000 in dwelling coverage, the average cost of home insurance is $1,580 a year. 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 their third-party agency ratings for customer experience, financial stability, as well as 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 the process of filing a claim. We measured this using 2021 J.D. Power Home Insurance Study ratings.
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 are based on quoted annual premiums from Coverage.com. These are sample rates 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: $200,000
Coverage B, Other Structures: $0
Coverage C, Personal Property: $100,000
Coverage D, Loss of Use: $40,000
Coverage E, Liability: $250,000
Coverage F, Medical Payments: $1,500
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
