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The Best Homeowners Insurance Companies

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    • Reviews.com rates Auto-Owners as the best homeowners insurance company, as it earned a 4.8 out of 5.
    • Top home insurance companies have plenty of discounts, strong financial ratings, and customizable coverage options.
    • To get the best homeowners insurance rates, look for companies like Allstate, Liberty Mutual, and Nationwide, as they have some of the most discounts.

    The 9 Best Homeowners Insurance Companies of 2021

    • Auto-Owners: Best Overall Home Insurance
    • Amica: Best Home Insurance for Extended Coverage
    • COUNTRY Financial: Best Home Insurance for Customer Satisfaction
    • Nationwide: Best Home Insurance for Add-On Coverage
    • Allstate: Best for Premium and Deductible Costs
    • Liberty Mutual: Best for Cheap Home Insurance Discounts
    • USAA: Best Home Insurance for Military Members
    • Erie: Best for Basic Home Insurance
    • NJM: Best Home Insurance for Dividend Policies

    A home is one of the most important purchases someone could make in their life, so it pays to insure it against disasters. With the best home insurance, customers pay a yearly (or sometimes monthly) premium to a home insurance provider in exchange for financial compensation when the roof is damaged from hail or a fire breaks out and expensive repairs must be done. To get the best home insurance policy for the cheapest price, it’s important to shop and compare quotes — even if it means taking extra time to read home insurance reviews.

    Because every homeowners insurance company sets premiums based on several factors like the home’s age, ZIP code, and square footage, home insurance rates vary by insurer. Look for the average home insurance premiums that providers offer in your state for an estimate of how much your home insurance might cost. 

    Reviews.com used data from Coverage.com to find the average home insurance premiums in each state. With a unique in-house methodology, we 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

    Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. 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.
    Pin Auto Owners4.8A++843
    Pin Amica4.6A+853
    Pin COUNTRY Financial4.4A+855
    Pin Nationwide4A+808
    Pin Allstate3.8A+829
    Pin Liberty Mutual3.8A805
    Pin USAA3.8A++889
    Pin Erie3.8A+839
    Pin NJM4.75A+N/A

    Information accurate as of July 2021

    *J.D. Power’s 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

    The Best Home Insurance Companies, Reviewed

    Auto-Owners

    Best Overall Home Insurance

    Why we chose it

    Despite its name, Auto-Owners home insurance is Reviews.com’s top pick for best home insurance company of 2021. With plenty of available discounts, tons of add-on coverage, and above-average customer service, Auto-Owners is the cream of the crop with home insurance.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ 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.
    • 843* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Despite its name, Auto-Owners home insurance is Reviews.com’s top pick for best home insurance company of 2021. With plenty of available discounts, tons of add-on coverage, and above-average customer service, Auto-Owners is the cream of the crop with home insurance.

    Pros

    • A dozen possible discounts
    • Low customer complaint and high customer satisfaction rating
    • Guaranteed home replacement cost coverage

    Cons

    • No online or mobile claims capabilities
    • No online quotes available
    Read More

    Discounts Available

    • Multi policy
    • Pay in full
    • Paperless billing
    • Mortgage-free
    • And more

    Add-On Coverage

    • Identity theft
    • Sewer or drain backup
    • Ordinance or law coverage
    • Extended personal property
    • Equipment breakdown

    More Auto-Owners Insurance Reviews

    Amica

    Best for Extended Coverage

    Why we chose it

    Amica’s Platinum Home Choice home insurance plan combines everything you need for basic home insurance with helpful add-ons like water backup, computer coverage, business property coverage, credit card coverage, and more. Customers can get all the coverage needed in one fell swoop through Amica.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ 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.
    • 853* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica’s Platinum Home Choice home insurance plan combines everything you need for basic home insurance with helpful add-ons like water backup, computer coverage, business property coverage, credit card coverage, and more. Customers can get all the coverage needed in one fell swoop through Amica.

    Pros

    • High customer satisfaction ratings
    • Low customer complaint rating with NAIC
    • More than average available discounts

    Cons

    • AM Best downgraded financial strength in 2017
    • Lengthy quote process
    Read More

    Discounts Available

    • Claims-free
    • Multi-policy
    • New/remodeled home
    • Alarm system
    • And more

    Add-On Coverage

    • Catastrophic coverage
    • Valuable items
    • Identity fraud
    • +30% dwelling replacement limit
    • Home business

    More Amica Insurance Reviews

    COUNTRY Financial

    Best for Customer Satisfaction

    Why we chose it

    COUNTRY Financial beat out all other competitors in J.D. Power’s 2020 Home Insurance Satisfaction Study, earning a 855 out of 1,000, based on interaction, policy offerings, price, billing process, policy information, and claims.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ 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.
    • 855* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    COUNTRY Financial beat out all other competitors in J.D. Power’s 2020 Home Insurance Satisfaction Study, earning a 855 out of 1,000, based on interaction, policy offerings, price, billing process, policy information, and claims.

    Pros

    • More than average discounts available
    • High customer satisfaction and low complaint ratings
    • Four replacement coverage options to choose

    Cons

    • Not available nationwide
    • Discounts are unavailable or limited in some areas
    Read More

    Discounts Available

    • Multi-policy
    • Safe heat
    • Alarms
    • New/hail-resistant roof
    • Dwelling age
    • And more

    Add-On Coverage

    • Sump pump and sewer/drain backup
    • Earthquake and flood
    • Identity theft
    Nationwide

    Best for Add-On Coverage

    Why we chose it

    Nationwide advertises the most add-on coverage options, going above and beyond basic home insurance coverage. Policyholders can easily customize their policies with credit card coverage, extended valuables coverage, and more.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ 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.
    • 808* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Nationwide advertises the most add-on coverage options, going above and beyond basic home insurance coverage. Policyholders can easily customize their policies with credit card coverage, extended valuables coverage, and more.

    Pros

    • Low customer complaint ratings
    • Brand new belongings coverage
    • Will replace roof with stronger, better materials

    Cons

    • Lower-than-average customer satisfaction
    • Mobile app is geared toward auto policy management
    Read More

    Discounts Available

    • Home purchase
    • Multi-policy
    • Home renovation
    • And more

    Add-On Coverage

    • Water back up
    • Identity theft
    • Extended replacement cost
    • Earthquake and flood
    • And more

    More Nationwide Insurance Reviews

    Allstate

    Best for Premium and Deductible Options

    Why we chose it

    Allstate offers two unique ways to save on home insurance: Claim RateGuard and Deductible Rewards. Policyholders won’t see an increase in premiums for filing a claim one time in five years with Claim RateGuard and can get $100 off deductibles, plus an extra $100 off for every year without a claim.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ 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

    Allstate offers two unique ways to save on home insurance: Claim RateGuard and Deductible Rewards. Policyholders won’t see an increase in premiums for filing a claim one time in five years with Claim RateGuard and can get $100 off deductibles, plus an extra $100 off for every year without a claim.

    Pros

    • More-than-average additional coverage options
    • Claims-free rewards
    • Digital home inventory app available

    Cons

    • High customer complaint ratings
    • Average customer satisfaction rating
    Read More

    Discounts Available

    • Auto-pay
    • Homebuyer discount
    • 10% welcome discount
    • Early signing discount
    • And more

    Add-On Coverage

    • ID theft
    • Eco-friendly improvements
    • Sports/musical equipment
    • Yard and garden
    • Water backup

    More Allstate Insurance Reviews

    Liberty Mutual

    Best for Cheap Home Insurance Discounts

    Why we chose it

    Liberty Mutual offers more ways to save on home insurance premiums than the rest of its competitors with claims-free, new homebuyer, new home, multi-policy discounts, and more.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A 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.
    • 805* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Liberty Mutual offers more ways to save on home insurance premiums than the rest of its competitors with claims-free, new homebuyer, new home, multi-policy discounts, and more.

    Pros

    • Lower-than-average customer complaints
    • More-than-average amount of discounts
    • Digital home inventory tools

    Cons

    • Lower-than-average customer satisfaction
    • No local agents
    • Home inspection may be required
    Read More

    Discounts Available

    • Claims-free
    • New/renovated home and new homebuyer
    • Early shopper
    • Paperless billing
    • And more

    Add-On Coverage

    • Hurricane
    • Inflation protection
    • Sewer/drain and sump pump backups
    • Actual cash value

    More Liberty Mutual Insurance Reviews

    USAA

    Best for Military Members

    Why we chose it

    Although it’s not ranked, USAA earns 889 out of 1,000 points with J.D. Power and offers personalized customer service to military members and their families. If customers are eligible to buy USAA home insurance, it can’t come more recommended.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ 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.
    • 889* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Although it’s not ranked, USAA earns 889 out of 1,000 points with J.D. Power and offers personalized customer service to military members and their families. If customers are eligible to buy USAA home insurance, it can’t come more recommended.

    Pros

    • Strong financial and customer satisfaction ratings
    • Mobile claim filing and tracking
    • Low customer complaint ratings

    Cons

    • Limited available discounts
    • Only available to military
    • Limited additional coverage options
    Read More

    Discounts Available

    • Multi-policy
    • Claims-free
    • Home security system

    Add-On Coverage

    • Home sharing
    • Earthquake
    • Identity theft

    More USAA Insurance Reviews

    ERIE

    Best for Basic Home Insurance

    Why we chose it

    Although we call it basic home insurance, Erie’s standard home insurance policies are anything but basic. Included in its base policies are higher-than-average coverage limits for valuables such as precious metals and coins.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ 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.
    • 839* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Although we call it basic home insurance, Erie’s standard home insurance policies are anything but basic. Included in its base policies are higher-than-average coverage limits for valuables such as precious metals and coins.

    Pros

    • Strong financial ratings from AM Best
    • Lower-than-average customer complaint ratings
    • Two flood insurance coverage options

    Cons

    • Not available nationwide
    • No home insurance mobile app or online claims
    • Limited discounts
    Read More

    Discounts Available

    • Smoke/burglary alarm system or automatic sprinkler system
    • Advanced quote
    • Multi-policy

    Add-On Coverage

    • Water backup and sump pump
    • Identity theft
    • Service lines

    More Erie Insurance Reviews

    NJM Home Insurance

    Best for Home Insurance Dividends

    Why we chose it

    New Jersey Manufacturers (NJM) is one of the best home insurance companies that offers dividends policies. Homeowners can recoup their premiums in the form of dividends just for being a policyholder with NJM.
    • 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ 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* 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.

    Why we chose it

    New Jersey Manufacturers (NJM) is one of the best home insurance companies that offers dividends policies. Homeowners can recoup their premiums in the form of dividends just for being a policyholder with NJM.

    Pros

    • Bundling discounts available
    • Opportunity to receive dividends
    • Wide variety of endorsements

    Cons

    • Not rated by J.D. Power
    • Some coverages and discounts are not available in every state
    • Fewer online tools and resources than some competitors
    Read More

    Available Discounts

    • Multi-policy
    • Smoke alarm/fire sprinkler system
    • Retired homeowner
    • Backup or portable generator
    • Non-smoker
    • Storm shutters and hurricane glass
    • Pay in full
    • Electronic payment

    Additional Coverage

    • Scheduled personal property
    • Credit card fraud
    • Valuable items
    • Identity theft fraud
    • Family liability
    • Fungi, wet/dry rot, and bacteria
    • Supplemental loss assessment
    • Water backup/sump pump
    • Earthquake insurance
    • Flood insurance

    More NJM Insurance Reviews

    *J.D. Power’s 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

    Average Cost of Homeowners Insurance

    Using Quadrant Information Services data from Coverage.com, we analyzed home insurance companies in the United States.

    Homeowners Insurance CompanyAverage Annual CostAverage Monthly Cost
    Citizens Property $3,819 $ 318.26
    American National $3,260 $ 271.69
    Amica $2,474 $ 206.16
    The Hartford $2,381 $ 198.40
    Chubb $2,178 $ 181.52
    American Family $2,144 $ 178.64
    Farmers $2,006 $ 167.19
    Allstate $1,861 $ 155.10
    State Farm $1,651 $ 137.58
    USAA $1,546 $ 128.87
    Travelers $1,501 $ 125.10
    MetLife $1,322 $ 110.18
    Nationwide $1,292 $ 107.70
    Erie $988 $   82.35
    Mercury $ 918 $   76.50
    Union Mutual $843 $   70.26
    Quincy Mut Grp $794 $   66.17
    Virginia Farm Bureau $780 $   64.96
    Texas Farm Bureau Mut Grp $503 $   41.93
    Farm Bureau $501 $   41.75

    Source: Coverage.com

    Bundling Your Home and Auto Insurance

    Bundling home and auto insurance is a popular option offered by top home insurance companies because these are two of the most common types of insurance. Insurance providers will most likely offer up to a 10% to 20% discount on premiums when customers bundle home and car insurance with the same company. Additionally, bundling home and auto insurance is an easy tactic for finding the best homeowners insurance rate.

    If you’re shopping for cheap home insurance or cheap 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 over time.

    How to Choose the Best Home Insurance Company

    How to Calculate How Much Home Insurance You Need

    When it’s time to buy insurance with your chosen home insurance company, you also have to choose homeowners insurance policy limits, which are the dollar amount maximums policyholders are reimbursed when they file a claim. While the insurer will help you calculate dwelling costs based on the home’s characteristics to help get you the best homeowners insurance rates that you actually need. The best way to choose the best home insurance coverage is to use an inventory app to calculate and list all belongings with their values to determine how much coverage you need. 

    When calculating how much to purchase from a homeowner insurance company, there are two major factors to think about. These are:

    • Coverage: Standard home insurance includes liability, personal property, and structure/dwelling coverage. However, every home needs special coverage depending on its location, age, features, and more. For example, homeowners in disaster-prone areas should consider earthquake or flood insurance.
    • Choose your policy limits: Make sure dwelling coverage will cover the cost of rebuilding the home in the event that it is completely lost and as well as the personal property coverage is enough to replace belongings within the home. Liability coverage should at least cover your net worth or the total value of your assets minus any debts.

    The Best Home Insurance Rates in Each State

    Data provided by Coverage.com

    Home Insurance FAQ

    Methodology

    We evaluated the best home insurance companies based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

    • Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
    • Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
    • Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
    • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
    • Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.

    About the Authors

    Lisa Melillo is a personal finance writer for Reviews.com. Over the past seven years, she’s covered insurance, travel, and home-related topics for a variety of online publications and businesses.

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