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Comparing home insurance companies? This guide shows how top carriers stack up on coverage, financial strength, service, and value — plus where each brand fits best (e.g., high‑value homes, digital experience, military families, club members, specialty/older homes, coastal risk). Use our quick tables, “best for” badges, and FAQs to choose — then compare quotes.

Our Top Homeowners Insurance Picks at a Glance

Each homeowner’s needs are different, so the best insurer for you will depend on factors like your location, budget, and the coverage features you value most. Here are our top picks for 2025 and what they excel at:

Amica — Best overall customer experience & value
USAA — Best for military families
Chubb — Best for high‑value homes & elevated coverages
State Farm — Best for local agent network & bundling
Allstate — Best for first‑time homeowners & digital tools
Travelers — Best for customizable coverage & price in many states
Erie — Best regional service where available
Auto‑Owners — Best for low rates (especially after a claim)
American Family — Best agent + app experience (hybrid model)
Nationwide / Liberty Mutual — Well‑rounded national options to price‑check

Note on costs: National averages range from about $2,118 to $2,400 for a policy with $300k dwelling and $1k deductible. Your price will vary by state, home, potential discounts and coverages.

How to Choose the Best Homeowners Insurance for Your Needs

Finding the right homeowners insurance involves more than just picking the company with the lowest price. Here’s what to consider:

Coverage form & limits: HO‑3 is standard. Look for replacement cost on dwelling and personal property; consider extended/guaranteed replacement for rebuild surges.
Endorsements you’ll actually use: Water backup, service line, equipment breakdown, ordinance & law, roof surfaces, valuables scheduling.
Price levers: Higher deductibles, newer roof, protective devices, bundling (often 10–25% depending on carrier).
Financial strength & claims: Favor carriers with strong AM Best ratings and low complaint indices.
Fit by profile: High‑value home → Chubb; military → USAA; digital ease → Allstate/American Family; specialty/older homes → Foremost; club bundlers → AAA; Midwest agent model → Shelter/Farm Bureau.
Special Needs: Do you need flood or earthquake coverage? Have a home-based business? Own valuables needing scheduled coverage? Pick a company that supports your unique needs.
Bundling: Bundling with auto or umbrella often brings significant savings (up to 25%).

Average Cost & What Drives It

Current national benchmarks for $300k dwelling: $2,118–$2,400/yr (methodologies differ). Prices are rising faster in catastrophe‑exposed and natural disaster prone states; some states now average well above $3k.

How it’s calculated: rebuild costs, catastrophe exposure, roof age/material, credit (most states), claims history, liability limits, deductible.

How to Save: bundling insurance policies, higher deductibles, loss‑mitigation (IBHS Fortified roof discounts exist with some carriers), and discount audits annually.

Best Home Insurance Companies: Full Reviews

Amica – Best Overall for Customer Satisfaction and Value

Highlights: Top J.D. Power score, dividend policy option, great coverage at affordable rates.

USAA – Best for Military Families

Highlights: Low rates, excellent customer satisfaction, broad standard coverage. Military-only eligibility.

Chubb – Best for High-Value Homes

Highlights: Premium extended/guaranteed replacement cost, water backup included, wildfire prevention services.

State Farm – Best for Local Agent Network

Highlights: Nation’s largest home insurer, wide availability, bundling discounts, inflation guard included.

Allstate – Best for First-Time Homeowners

Highlights: Extensive optional coverages, user-friendly app and tools, strong for digital-savvy buyers.

NJM Insurance – Best Regional Insurer for Low Rates

Highlights: Cheapest average premiums in select states, strong service, water backup included by default.

Auto-Owners – Best for Budget-Friendly Coverage

Highlights: Affordable even after a claim, robust endorsements, low post-claim penalty.

Erie Insurance – Best for Customer Service in Regional Markets

Highlights: Guaranteed replacement cost, roof coverage, outstanding service, few complaints.

Travelers – Best for Customizable Coverage

Highlights: Many add-ons, green rebuild coverage, budget-friendly with bundling.

American Family – Best for Digital Experience

Highlights: Strong mobile app, diminishing deductible, agent + digital hybrid model.

Average Homeowners Insurance Cost in 2025

National average for $300K dwelling coverage: ~$2,110/year (~$175/month)
Low-cost carriers: NJM (~$806), USAA (~$1,248), Travelers (~$2,055)
High-end policies: Chubb (~$3,200+), AIG (HNW only)

Key factors affecting your premium: – Location, rebuild cost, deductible, credit score, roof age, bundling, and past claims.

Regional and Specialty Carriers

AAA (club‑affiliated insurers: CSAA, Auto Club of Southern California/Auto Club Enterprises, The Auto Club Group) — Best for AAA members & bundlers. Coverage, discounts, and availability vary by club; for example, CSAA writes AAA‑branded home insurance across much of the West and Mid‑Atlantic, Auto Club of Southern California covers parts of the West and Central U.S., and The Auto Club Group covers the Great Lakes, Southeast and more — with Florida homeowners coverage typically bundled with auto. Add your ZIP first; you’ll be routed to the correct AAA club site.

Plymouth Rock — Best for Northeast homeowners who want generous add‑ons. Operates in CT, MA, NH, NJ, NY, PA with a long list of coverage endorsements and discounts (e.g., equipment breakdown, service line, home systems).

Shelter Insurance — Best for Midwest/South homeowners who value agent service & extended replacement options. Available in roughly 14–15 states (regional footprint); offers extended replacement cost options and is currently AM Best A (Excellent) at the group level.

Foremost (a Farmers company) — Best for specialty risks (older homes, mobile/manufactured, seasonal, vacant, landlord). Foremost focuses on non‑standard property and specialty lines; it’s part of Farmers and typically AM Best A (Excellent).

Farm Bureau (state‑affiliated insurers) — Best for rural/acreage and homeowners who prefer a local/state‑based carrier. Availability and underwriting vary by state; membership is required in many states. Example: Farm Bureau Financial Services serves AZ, IA, KS, MN, NE, NM, SD, UT; membership rules and coverages vary by your local Farm Bureau.

Citizens (Florida) — “Insurer of last resort” for Florida homeowners who can’t find private coverage. Citizens is state‑backed; it’s expanding/depopulating policies as the market shifts. Treat it as a safety net — shop private options first whenever available.

Ways to Save on Home Insurance

Bundle with auto/umbrella
Raise your deductible
Add protective devices (smoke alarm, leak sensors, smart locks)
Go paperless or autopay
Ask for loyalty and claim-free discounts
Review and adjust coverage regularly

Agencies & Marketplaces (Not Carriers – What’s It Mean?)

Example of agencies you may come across such as Brightway and Goosehead are independent agencies/franchises that shop multiple carriers for you; they are not the insurer paying claims ultimately but are trusted resources. If you place coverage through them, your policy is still underwritten by a partner carrier (e.g., Travelers, Progressive, Safeco). This can be convenient for shopping — just make sure you know which carrier ultimately insures your home. InsuranceQuotes is a comparison website that functions similarly; however, we also have our own licensed insurance agents who provide underwriting policies to you through carriers and guide you through the most affordable policies for your specific needs when applicable.

FAQs: Home Insurance Companies

Who has the cheapest homeowners insurance?

Travelers, Auto‑Owners, NJM, and USAA often price well in many states; always compare locally because catastrophe exposure and underwriting appetite change by ZIP.

Which home insurer has the best customer service?

Amica, USAA, and Erie have top satisfaction rankings among multiple customer ratings. NJM also excels in regional markets.

Do I need flood or earthquake coverage?

They’re not in standard HO policies. Consider separate flood or endorsements/private quake depending on your risk. Coastal and seismic states should check lender requirements. Add to your coverage separately or via an endorsement (where available) depending on your location.

What’s a good deductible for home insurance?

$1,000 is common; moving to $2,500 can lower premiums meaningfully. Using emergency funds to offset the higher out‑of‑pocket risk may be best for saving money long-term.

Can I insure an AirBNB, VRBO or vacation rental property I own?

Yes. Look for a homesharing endorsement (Allstate, American Family, etc.) often have policies specific to homes that are specifically used for vacation rental.

Editor’s Note: All carrier data, pricing estimates, and satisfaction ratings are based on the most recent available sources, including J.D. Power, AM Best, NAIC, and publicly available premium data from 2023–2025. Your actual quote will vary based on location, home details, and policy choices.

Insurance carrier Overview

find the best Home Insurance Company fast.

We provide comparison quotes from the top homeowners insurance coverage options for your property. Find ratings, reviews, pros & cons, and more. Learn more about the top carriers below.

AAA (Auto Club)

Best for: Members who want auto + roadside assistance.
Known for: Club‑based bundles; local agents; travel discounts.
Consider: Pricing and coverage vary by club/state; membership fee.

Allstate

Best for: Claim extras & bundling.
Known for: Drivewise® telematics; large agent network; accident‑forgiveness options.
Consider: Premiums can be above average for some profiles.