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    Reviews Report

    • Reviews.com rates Auto-Owners as the best home 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.

    It’s no secret that if someone owns a home, they have to insure it, too. With the best homeowners insurance, customers pay a yearly or monthly premium 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 top home insurance reviews.

    Because home insurance companies set premiums and deductibles based on the home’s age, ZIP code, and size, everyone’s home insurance policy will depend on a variety of factors. Look for the average home insurance premiums that providers offer in your state for an estimate on how much your home insurance will cost. Reviews.com used Quadrant data to map the average home insurance premium, and a unique in-house methodology to compare discounts, coverage, and third-party evaluations to rank and review the top home insurance carriers. Compare quotes from carriers that provide home insurance in your state to make sure you get the best homeowners insurance rates available.

    The 8 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

    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

    Information accurate as of March 2021

    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 proces, 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 proces, 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 policies. Clients can customize their quotes and policies easily 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 policies. Clients can customize their quotes and policies easily 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 Deiductible Costs

    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 is anything but basic. Included in its base policies are higher-than-average limits for valuables and replacement costs plus coverage such as precious metals and coins, animals, and gift card or certificate coverage.
    • 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 is anything but basic. Included in its base policies are higher-than-average limits for valuables and replacement costs plus coverage such as precious metals and coins, animals, and gift card or certificate coverage.

    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

    *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 consumer insurance products. When homeowners bundle their home insurance with their auto insurance, it means that they are buying two separate insurance policies with one company. Because loyalty and extra business are appreciated, insurers will most likely offer a 10% to 20% discount on premiums. This also means that when you pay home or auto insurance, it comes out as one payment from your bank account. Additionally, bundling home and auto insurance is an easy tactic for finding the best homeowners insurance rates.

    If you’re shopping for cheap home insurance or cheap auto insurance, bundling is an easy option to not only make the policy-buying process smoother (since the company already has your information) but also can save money over time. Furthermore, many insurance companies give customers access to both home and auto insurance policy information through a mobile app.

    How to Choose the Best Home Insurance Company

    How to Calculate How Much Home Insurance You Need

    According to Nationwide, two-third of homes in America are underinsured. This is because homeowners often confuse their lender’s minimum requirements with what they actually need. In an interview with CNBC, real estate attorney Peter Morra explained the difference. “Sometimes it’s cheaper to just get a policy that covers you for a dollar number that covers your mortgage, but you want to be sure that you can replace what you have if something happens,” says Morra.

    When calculating how much home insurance to purchase, there are two major factors to think about. These are:

    • Find out what type of coverage you need. Your lender may have their own requirements, but you should at least have dwelling coverage for the home itself, personal property coverage for its contents, and liability insurance in case you are held responsible for injury or damage. Additional coverage can help protect high-value belongings and insure you against specific hazards in your geographic area.
    • Choose your policy limits. Again, check with your lender to find out what the minimum requirements are, but don’t assume this is enough. Make sure your dwelling coverage will cover the cost of rebuilding your home in the event that it is completely lost and your personal property coverage is enough to replace everything you own within your home. Liability coverage should at least cover your net worth or the total value of your assets minus any debts (like your outstanding mortgage balance.)

    Ask The Experts

    Image of William Taylor

    William Taylor

    Senior Career Advisor, VelvetJobs

    Insurance is oftentimes intimidating by design, and insurance companies serve a unique role in bridging the gap between their product and consumers. What can we learn from insurance companies’ marketing strategies?

    I have observed that most of these insurance companies are now leveraging the power of social media to reach their customers. They are adopting a voice that is less intimidating and sharing content that is engaging and interactive. These companies are coming up with out of the box ideas to break the stigma that insurance is boring.

    Many consumers resist change from what’s familiar, even if it’s to the detriment of their finances or overall wellbeing. What kinds of techniques do insurance providers use to overcome this hesitation and entice consumers to switch over?

    Some of my clients from the healthcare insurance industry are organizing educational webinars as part of their marketing strategies. These webinars give them the chance to break down the complexities of health insurance quotes for prospective clients.

    To entice customers, many insurance companies are adopting a more friendly approach. They are providing valuable knowledge for free on their online platforms and going above and beyond to personalize their services for every client. The insurance agents today are more empathetic and try to win the trust of the customers.

    Bottom Line: Insurance companies are now leveraging the power of social media


    Image of Willie Greer

    Willie Greer

    Founder, The Product Analyst

    Many consumers resist change from what’s familiar, even if it’s to the detriment of their finances or overall well-being. What kinds of techniques do insurance providers use to overcome this hesitation and entice consumers to switch over? 

    There are three main methods of insurance marketing: extensive, exclusive, and selective. The extensive method is using services of any go-between company, capable to conclude one or more insurance contracts.

    Moreover, the exclusive method is used when the insurance company counteracts with only one general insurance agent, which has an exclusive right to conclude an insurance contract in a given region. This contract should be concluded in favor of the above-mentioned insurance company. In addition, a selective method is used, when the insurance company counteracts with two or more general agents in a given region.

    The essence of insurance is to protect any asset from all kinds of threats and losses. That way, it can be assured that the value of an asset can be preserved.

    What advice would you offer consumers on how to keep advertising in perspective when shopping for an insurance carrier?

    Consumers must keep in mind that not because it was advertised well means it is the best in the market. It may be a factor to consider but always remember what your priority is before heading to buy insurance. Weigh your options and know when to fancy an advertisement and when to flop it. Through this, you will be able to get what you really paid for.

    Image of Joy Gendusa

    Joy Gendusa

    Founder & CEO, PostcardMania

    How do insurance companies differentiate themselves from their competitors in their marketing? 

    One very successful way I’ve seen insurance competitors differentiate themselves from the competition is with targeted mail pieces that feature a highly personalized technology called variable data. Variable data inserts each individual’s information into the design of your mail piece so that each piece looks like it was designed specifically for that recipient. And you can customize almost any type of data to be variable, from the first name to the type of policy to even the photo on your mailer. THE biggest and best variable data differentiator an insurance company can include is the expiration date of the recipient’s policy. That way, agents know WHEN to hit homes with their mailers and people know by when they need to call for a quote. Calling someone out by name with something personal is a time-tested way to grab attention.

    Many consumers resist change from what’s familiar, even if it’s to the detriment of their finances or overall well-being. What kinds of techniques do insurance providers use to overcome this hesitation and entice consumers to switch over?

    By focusing on a non-invasive marketing platform like direct mail, insurance agents and brokers are able to catch people at a good time, when they’re at peace with receiving advertisements — and that’s when they’re checking their mail. People hate to feel like advertising is stealing their free time. That’s why things like commercials and pop-up ads are so despised — they haven’t been granted permission. But when we’re sorting our mail, we’re open to commercial communications and oftentimes we’ll put something aside if it’s the right message at the right time. That’s how you can start to build the trust that’s needed to help people get over the discomfort of shopping around for insurance. Let them pick the time and the place for it.

    Image of Chuck Kim

    Chuck Kim

    COO & Co-Founder, Executive Digital

    Many consumers resist change from what’s familiar, even if it’s to the detriment of their finances or overall well-being. What kinds of techniques do insurance providers use to overcome this hesitation and entice consumers to switch over?

    The trust between the consumer and agent and/or price is the key selling point. When consumers hear “you’ll save X%”, that’s the sales trigger. What many forget is that selling at a price point works for a small percentage of consumers. Education, white papers and, most importantly, digital omnipresence should be the key for all insurance companies.

    What advice would you offer consumers on how to keep advertising in perspective when shopping for an insurance carrier?

    Do research on the insurance agent online and interview the agent to make sure you can trust them. The agent will be the one who creates the right policy to protect you. The company itself should be researched, because, at the end of the day, in a bad situation, the relationship between the Agent and Agency will be of utmost importance, so spend time researching!

    Image of Ty Stewart

    Ty Stewart

    CEO & Founder of Simple Life Insure

    Insurance is oftentimes intimidating by design, and insurance companies serve a unique role in bridging the gap between their product and consumers. What can we learn from Insurance companies’ marketing strategies?  

    Insurance has to pay special attention to humanizing its products and services and has done so through a robust, humanizing ecosystem of content marketing. Insurance coverage can be jargon-filled and technical, with tons of contract clauses and liability statements. It’s frankly overwhelming, so the insurance industry as a whole has really stepped up to the plate with diverse, humanizing and educational digital content.

    In particular, we see this in really approachable e-newsletters, videos and vlogs, mobile touchpoints, and a ton of user-friendly, value-rich industry blogs delivering content that empowers folks, instead of scaring them.  

    How do insurance companies differentiate themselves from their competitors in their marketing?

    The most successful insurance marketing connects with its audience on a human level, not by selling products or commodities.

    These brands differentiate themselves in their language and touchpoints. They don’t use industry jargon. They’re easy to get in touch with. You speak with a real person as soon as possible if you want, but can overwhelmingly service your own needs on a digital-first basis rather than a loop of automated phone calls or in-person appointments. Companies that adapt best to humanizing interactions and approachable digital service offerings are the ones who stand out from the crowd these days. 

    What advice would you offer consumers on how to keep advertising in perspective when shopping for an insurance carrier?  

    It’s essential to understand that your insurance and finance needs evolve in life. What you paid for in your twenties and early thirties will not suffice in your 40s, which itself won’t work when you’re retired. 

    Understand that your insurance reps or financial advisors aren’t continually trying to upsell you new products just because. Most are sincerely looking out for your evolving interests. Know what your own interests are and how they’re likely to change over the years, and you’ll feel better serviced, not continually sold to.

    Image of Ethan Taub

    Ethan Taub

    CEO of Loanry

    How do insurance companies differentiate themselves from their competitors in their marketing?

    Insurance is a very mature market, there are likely thousands of insurance companies in the US alone and it is difficult for anyone to stand out. Competitive advantages in insurance are difficult to establish, the durability of such competitive advantage is often determined through creating barriers to imitation. The longer it takes a competitor to imitate your distinctive competencies the greater the opportunity you have to build a strong market position.

    How did you personally choose your current home or car insurance carrier, and what role, if any, did that carrier’s advertising techniques play in your decision? 

    I have to admit, I took the easy road and used a comparison website. Advertising was not a consideration for me beyond certain brands I was familiar with and unfamiliar with. I made my decision based on the price and the coverage of the plan.

    Image of Adam Jackson

    Adam Jackson

    Digital Marketing Manager, Big Leap

    Insurance is oftentimes intimidating by design, and insurance companies serve a unique role in bridging the gap between their product and consumers. What can we learn from Insurance companies’ marketing strategies? 

    I think great insurance companies embody trust and dependability in their marketing efforts. They want you to know that you won’t get taken to the cleaners or left out in the rain by them. That principle is applicable to just about every marketing strategy if people truly believe you have their best interest at heart they are more likely to work with you. 

    What advice would you offer consumers on how to keep advertising in perspective when shopping for an insurance carrier?  

    I give the same advice for most advertisements to my friends and family. Marketing is usually based on highlighting and accentuating the “good” and downplaying the “bad.” So when you see an advertisement, you can take the good things they say and use them as the basis for your research, but whatever they say is so great about them usually has a “price” to be paid and you need to identify those “costs” before you make a decision

    Image of Laura Packard

    Laura Packard

    Vice President of Marketing & Client Relations, Aartrijk

    Many consumers resist change from what’s familiar, even if it’s to the detriment of their finances or overall well-being. What kinds of techniques do insurance providers use to overcome this hesitation and entice consumers to switch over?

    This scenario is where independent agents are most effective. Purchasing the right type and coverage amount of insurance are decisions that should be made with the assistance of someone who can help educate and make informed suggestions. That’s what independent agents do best. They have a variety of carriers at their fingertips and can spend enough time with their clients to best determine their coverage needs. There’s no extra cost to use an independent agent, and it’s an effective way to ensure consumers are really covering their bases and protecting themselves adequately and thoroughly. 

    What advice would you offer consumers on how to keep advertising in perspective when shopping for an insurance carrier? 

    Keep in mind that you shouldn’t automatically go with a company whose commercials make you giggle. There’s a lot more to the insurance buying process than humor or price. You are best positioned by not shopping for a carrier, who will likely only have one option for you. By finding an independent agent, you will unlock access to numerous carriers as well as have a professional who will be able to guide you through the process as your advocate. These independent agents might not have snazzy commercials on TV or radio, but they are the ones sponsoring your town’s little league teams, buying ads in high school yearbooks or active in your local Chamber of Commerce. Don’t dismiss working with an agent just because he doesn’t have a multi-million dollar advertising budget like direct carriers do.

    Best Homeowners Insurance by State

    FAQs 

    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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