Read our guide to discover the best homeowners insurance for you. We compare coverage options, rates and reviews. Learn how these policies work, how much they cost and how you can best financially protect yourself from property damage and liability.
| Company | Customer rating | Our pick for | Availability | Standard coverages | Discounts | |
|---|---|---|---|---|---|---|
 Lemonade Homeowners Insurance | Learn More | 2.2
311 reviews
311 reviews
| Best overall | 23 states and Washington, D.C. | Dwelling, other structures, personal property, loss of use, liability, medical payments | Bundling, safety measures, gated community |
 Pacific Specialty Insurance | Learn More | 4.2
102 reviews
102 reviews
| Customer service | All 50 states and Washington, D.C. | Dwelling, other structures, personal property, loss of use, liability, medical payments | Bundling, claims-free, seniors, security system, windstorm mitigation, roofing, e-delivery, gated community |
 Progressive Homeowners Insurance | Learn More | 2.4
179 reviews
179 reviews
| Comprehensive standard coverage | Most states | Dwelling, other structures, personal property, loss of use, liability, medical payments | Bundling, quote in advance, alarm systems and safety devices, new purchase and more, pay in full |
 ERIE Homeowners | Learn More | 3.8
103 reviews
103 reviews
| Discount opportunities | 12 states and Washington, D.C. | Dwelling, personal property, liability | Bundling, alarm system, advanced quote |
Jump into our guides and start learning
For most people, coverage and pricing are the two primary considerations when buying home insurance.
Insurance coverage comes with varying limits, so compare different insurers to get the best homeowners coverage for your budget. For instance, you might want just enough coverage to satisfy your mortgage lender, or you may prefer additional protection for personal assets and valuables, such as jewelry or musical instruments. Your insurer can adjust your standard policy through endorsements or riders.
To get the right policy for your budget, pay attention to what’s included in the coverage and the cost of the insurance premium. This lets you find the lowest rate while also getting the right policy for you.
We suggest looking for companies that provide free quotes, policy discounts and helpful customer service. As you compare quotes, request estimates from insurance providers with efficient claims processing and high scores from analysts that provide industry ratings. Reading reviews and asking friends and family for recommendations can also help you make sure you’re only looking at reputable insurance companies.
If you’re interested in picking a new provider or want to see how your current rates compare, getting online insurance quotes is the place to start. To get an accurate quote, you need to have all of the necessary information about your home. We suggest comparing at least three to five providers.
You may need to provide your date of birth, Social Security number, phone number, marital status, job information, claims history and existing insurance policy information if you want the most accurate home insurance quote.
Homeowners insurance companies are scored by firms such as AM Best, J.D. Power, Standard & Poor’s and Moody’s. These companies rate an insurance company’s ability to pay claims to policyholders, indicating whether the provider is likely to be around when you need it most.
AM Best and J.D. Power rate insurance companies based on coverage options, company history and overall value. Factors considered include the likelihood to pay out a claim and how often the insurer accepts claims. These are usually rated on a letter scale, with A++ being the highest rating, or on a scale from one to 1,000. Lower insurance provider ratings can indicate that the company is less financially secure and less likely to pay out policy claims.
Some state departments of insurance rank available providers according to their negative report ratio, which measures justified consumer issues filed against a company. Check with the National Association of Insurance Commissioners to find information about local insurance departments in your state.
Customer service is essential for policyholders who have questions about their coverage or require assistance during an emergency. Insurance companies are rated by such firms as J.D. Power in the area of customer satisfaction, which is a reflection of how well the company meets clients’ needs. You can also read reviews to get a sense of the typical experience for policyholders.
Some homeowners insurance companies communicate directly with customers, while others work through independent insurance agents who sell policies. Generally, customer service falls into one of three categories:
Insurance providers are also rated on how effectively they handle claims filing, processing, adjustments and payments. Homeowners insurance claims are often made in urgent situations, so speed is a factor when dealing with a home insurance company. These companies vary significantly in terms of how quickly they can get insurance claims processed and paid.
A company that requires a lot of paperwork can take a while to process insurance claims, which can be inconvenient when a homeowner needs money for a repair in an emergency or after a disaster. Other companies may be known for fighting policyholders over claims amounts. We also suggest finding a home insurance company that won’t raise your rates just because you file a claim.
Homeowners insurance covers loss due to disasters, accidents and theft. In addition to the house itself, personal belongings, furniture and even shrubs, trees and plants may be protected. Your homeowners insurance also protects you from financial liability if someone gets hurt while on your property.
There are different types of packages, but most home insurance policies include dwelling coverage and coverage for other structures, personal property and liability coverages. Dwelling coverage is the part of a homeowners policy that insures the actual house, while “other structures” include fences, sheds, gazebos and similar items.
Most home insurance policies include dwelling, other structures, personal property and liability coverages.”
Homeowner insurance policies are labeled HO-1 through HO-8. An HO-3 is the most common type of homeowners policy. Usually, this type of insurance covers damage to your home caused by anything except for named exclusions (e.g., an earthquake or flood).
Your belongings are covered only if the damage is caused by a covered peril in the policy (e.g., fire, lightning strike, vandalism). In insurance speak, a peril is any specific risk or reason for the loss, such as a fire, windstorms, hail, vandalism or the weight of ice or snow, according to the National Association of Insurance Commissioners.
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When buying personal property coverage, you’ll likely have the choice between actual cash value or replacement cost coverage options.
Most insurers offer replacement cost coverage as the default option. Some also offer extended or guaranteed replacement value policies. With extended replacement value coverage, the policy has an extended coverage limit for dwelling replacement.
The national average for homeowners insurance is $1,249 per year, according to the National Association of Insurance Commissioners. However, home insurance costs vary greatly depending on where you live and what kind of house you have.
The average cost for homeowners insurance is $1,249 per year.
Homeowners insurance costs also vary depending on the company you choose, the types of coverages in your policy and the coverage limits.
As you compare coverage costs from multiple companies, it’s important to understand how deductibles and premiums work with home insurance. Otherwise, it’s hard to know if you’re getting the best coverage you need for a price you can afford to pay every month.
| Location | Average annual premium |
|---|---|
| Nationwide | $1,249 |
| Tennessee | $1,232 |
| Alabama | $1,370 |
| Mississippi | $1,578 |
| Florida | $1,970 |
There are many ways you can save money on home insurance premiums, whether you already have a policy or you’re looking for coverage. Many companies offer discounts for bundling insurance, being a loyal customer, installing safety and security devices in your home and not filing a claim for a certain period of time. If you want to lower your payments, try:
» LEARN: How to buy homeowners insurance
Homeowners insurance is usually required if you have a mortgage. It’s not required by law, but many lenders require it when lending you money to buy a house.
Generally, you need enough home insurance to cover your property and belongings, protect yourself financially from liability and satisfy your mortgage lender’s policy requirements. How much dwelling coverage you need largely depends on how much it would cost to rebuild your house. Be aware that the cost of replacing your home after a disaster will not necessarily be the amount you paid or the property’s current market price — in fact, it usually isn’t.
Flood insurance is issued through a separate policy and is not included in standard homeowners insurance. The federal government provides flood insurance through FEMA and the National Flood Insurance Program, or you can get a policy through a private insurer.
The main difference is that home insurance covers your home and assets that are damaged or destroyed by covered perils, while a home warranty helps you pay for repairs to major systems and appliances, like plumbing or refrigeration.
Home insurance is a policy that covers you financially if your home or belongings are damaged or destroyed. In general, these policies cover your physical home structure, your personal belongings, other structures on your property and your liability. Nearly all mortgage lenders require some sort of homeowners insurance plan to be in place before lending money.
A home warranty is a service contract that covers the cost of repairing or replacing major home appliances and systems when they break down from wear and tear. Components such as your furnace, plumbing, HVAC system and electrical system are eligible for coverage under a home warranty. Unlike insurance, a home warranty is not required when you have a home loan.
Homeowners insurance rates are determined based on a risk assessment by the home insurance company. Companies assess risk based on your house’s condition and location, your personal claim history and other factors.
Insurers calculate premiums based on a percentage called an expense ratio. An expense ratio measures the profitability of an insurance policy and takes into account costs for acquiring, underwriting and servicing policies. According to the National Association of Insurance Commissioners, the average expense ratio for home and renters insurance is around 30%.
You could get a better homeowners insurance rate by bundling your home and auto insurance. It’s a convenient option that lets you work with the same insurance agent for both policies instead of dealing with multiple insurers. Work with your insurance provider to see if you can score discounted rates by bundling your coverage.
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.
To make top home insurance company picks, the ConsumerAffairs Research Team used a weighted scoring system that took into account both reviews from ConsumerAffairs users and specific company features we researched. We conducted sentence-by-sentence sentiment analysis of hundreds of reviews on our site from May 1, 2018, to April 30, 2025, to identify the aspects people care about most — and which companies reviewers are happiest with. For home insurance companies, these included:
We then selected the most important features consumers should consider before choosing a company and researched the following at each company:
The company with the highest score in each category’s uniquely weighted formula was given the “Our pick for” designation. In some cases where a single company received the top score across multiple categories, the company with the next-highest score was named the winner.
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This broker partners with all sizes of home insurance companies to offer competitive pricing and a wide selection of choices to consumers. Customers work with local agents in their city.
This is the second-largest homeowners insurance company in the country. AM Best has given the company an A+ rating for financial strength. Policyholders are eligible for more than a dozen discounts, and they can submit claims and make payments through the company’s mobile app.
State Farm is the largest homeowners insurance provider in the United States, and AM Best has given it an A++ rating for financial strength. Its local agents work in every U.S. state. Customers commonly bundle their homeowners insurance policy with their auto insurance policy for a discount.
This company is known for offering affordable homeowners insurance, which makes it a good option for those who want basic coverage. Its basic plan lacks some common coverage, but customers who need more can add riders. The company sells several other types of insurance and offers discounts for customers who bundle policies.
With more than 10 million homes under its coverage, this company is the fifth-largest provider of home insurance in the United States. It has an A rating for financial strength from AM Best. The company’s claim forgiveness feature means that customers who haven’t filed a claim for five years won’t see higher premiums after their next claim.
This company offers multiple types of insurance and provides online bill pay and claim filing. Customers can file claims, record damage and manage their policies from its mobile app. AM Best has given the company an A+ rating for financial strength.
This insurance company sells auto and rental insurance in addition to homeowners insurance. Earthquake coverage and flood coverage are available as separate endorsements. The company offers 24/7 claims assistance and has an A rating from AM Best for financial strength.
The Hartford sells renters and condo insurance, and it has an A+ rating from AM Best. It also partners with AARP to offer members homeowners insurance. Customers can view their policy, pay bills and track claims through its mobile app.
This insurance company is well known for its auto insurance and roadside assistance, but it also sells homeowners insurance. Coverage and pricing differ by club.
This company provides homeowners insurance to members of the military, veterans and their families. It is the fourth-largest homeowners insurance provider in the United States, and it has the highest financial strength rating possible from AM Best, A++. The company is well known for its excellent customer service, as well.
This insurance company has 24/7 claims service for its homeowners insurance and an A rating from AM Best for financial strength. Online resources include an insurance calculator, a policy comparison chart and a home inventory checklist. The company also sells auto insurance and renters insurance.
This company acts as a broker that offers homeowners insurance policies through its partner, Homesite. It has an A rating for financial strength from AM Best. Customers who need to file a claim do so through Homesite.
Despite its name, this company sells more than just auto insurance. It has an AM Best rating of A++ for financial strength, which is the highest possible score. The company has agents in 26 states.
AM Best gave this company an A+ rating for financial strength. However, ERIE only operates in 12 states, so check to make sure the company writes policies in your area. In addition to homeowners insurance, the company also provides policies for cars, renters, condos, mobile homes and boats.
This insurance company offers homeowners insurance for single-family dwellings, townhomes, duplexes, fourplexes, mobile homes and condominiums. The company also sells auto insurance and has an A rating from AM Best.
This insurance company specializes in writing policies for consumers with poor credit and covering high-risk homes, including older houses. It partners with local agents, so homeowners can always receive face-to-face answers for all their policy questions. The company has an A rating for financial strength from AM Best, as well.
This insurance company offers home insurance, auto insurance and dental insurance. Quotes are only available by speaking with an agent directly. The company has an A rating from AM Best and offers three different plans. It also provides ways to customize coverage.
Amica Home Insurance provides custom coverage. Policyholders can save money through a variety of discounts. Home insurance dividend program returns up to 20% of annual premium.
Backed by Liberty Mutual, this insurance company has a financial strength rating of A from AM Best. Quotes are only available by speaking with a local agent, but the company has 24/7 claims assistance. The company also offers auto insurance, landlord insurance and umbrella insurance.
Chubb Homeowners Insurance provides comprehensive home coverage with discounts.
| Company | Customer rating | About | Learn More |
|---|---|---|---|
| 2.2
311 reviews
| Offers home insurance with adjustable deductible. Covers reconstruction, loss of use, on-site injuries, personal liability and personal property. Offers Extra Coverage endorsement for valuables with $0 deductible. | Read reviews |
| 4.2
102 reviews
| Offers comprehensive protection for property and assets. Deductibles range from $500 to $5,000. Coverage for rentals, condos, mobile homes and earthquakes. Work with local insurance agents or submit claims online. | Read reviews |
 | 3.8
103 reviews
| Provides guaranteed replacement cost coverage for whole-home rebuilds. Add-ons for liability, water backup, identity theft and service line protection. Multipolicy discounts from 16% to 25%. 24/7 phone claims and support. | Read reviews |
 | 3.9
39 reviews
| Offers convenient quotes and purchasing options for a variety of coverages. Umbrella coverage and discounts for bundling also available. Identity protection is included with each policy. 24/7 customer service. | Read reviews |
 | 3.9
24 reviews
| Offers insurance coverage for AIG Private Client Group. Comprehensive policies for high-end properties with coverage for unique features. Complimentary review with insurance agent. Claims submission by phone or agent. | Read reviews |
 | 3.6
106 reviews
| Offers customizable coverage with upgrade options to rebuild with sustainable materials. Discounts available for gated communities, new buyers and security devices. Submit claims online or over the phone. | Read reviews |
 | 3.6
143 reviews
| Provides dwelling, structures, property, loss of use, liability and medical coverage with add-ons for AARP members. Discounts for bundles, home security systems and retired policyholders. Online or phone claims. | Read reviews |
 | 3.2
158 reviews
| Includes discounts for smart home features, new purchases, renovated homes and more. Standard home insurance policies with optional add-on coverage. Submit claims online or with a local agent. | Read reviews |
 | 2.8
32 reviews
| Get quotes through local independent agents for standard homeowners coverage, plus optional add-ons. Discounts for multiple policies, good payment history, security systems and more. | Read reviews |
 | 2.5
331 reviews
| Offers coverage for dwellings, belongings, liability, medical and loss of use. File an online claim to replace belongings of any age and condition. Discounts for home renovations, roofs and protective devices. | Read reviews |
| 2.4
179 reviews
| Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support. | Read reviews |
 | 2.2
451 reviews
| Offers three levels of customizable coverage limits and optional guaranteed replacement cost. Discounts for customer loyalty, claims-free records and home security. Select from policies for a variety of home types. | Read reviews |
 | 2.1
397 reviews
| Specializes in dwelling coverage and liability protection. Add-ons for hurricane, personal property and water backup coverage available. Discounts for bundled policies, new home purchases and online customers. | Read reviews |
 | 1.9
309 reviews
| Provides custom homeowners policies with coverage add-ons for special property, water backup, theft and more. Multiple discount options available. Online claims and account management. | Read reviews |
 | 1.8
403 reviews
| Available to members of the military and their families. Standard homeowners coverage with optional add-ons for earthquakes and home-sharing. Discounts for policy bundles and claims-free records. | Read reviews |
 | 2.0
79 reviews
| Find tailored coverage for single-family homes, condos, townhomes, rentals and mobile homes. Savings for protective devices, new roofs and new homes and other discounts. Report claims through a toll-free hotline. | Read reviews |
 | 2.0
92 reviews
| Provides property protection insurance in Florida. Wind-only policies available. Offers online payments, account management and claims submission. Policyholders can also report claims over the phone. | Read reviews |
 | 1.6
392 reviews
| Offers home and auto policies to residents of Alaska, Arizona, Northern California, Nevada, Montana, Utah and Wyoming. Online quotes and claims. Umbrella coverage for homes with pools or rental properties. Optional flood coverage. | Read reviews |
 | 1.3
544 reviews
| Choose from customizable policies with add-ons for floods, valuables, umbrella coverage, identity theft and personal injury. Online quotes, policy purchases, account management and claims submission. | Read reviews |
 | 1.5
1,137 reviews
| Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management. | Read reviews |
 | 1.1
1,079 reviews
| Custom coverage with dwelling, property, liability and medical options. Discounts for multiple policies, on-time payments, customer loyalty and more. Policies for mobile homes, home-sharing, floods and umbrella coverage. | Read reviews |
 | 1.1
85 reviews
| Specializes in coverage for vacant homes, mobile homes, seasonal and rental properties. Flexible policies with several coverage options. File claims online or over the phone with a local agent. | Read reviews |
 | 1.0
109 reviews
| Offers standard coverage with optional add-ons for valuables through independent agent networks. Discounts available for policy bundles, newer homes, high deductibles and others. Online quotes and claims. | Read reviews |
 | 1.0
46 reviews
| Offers insurance for properties in California that are high-risk due to natural disasters or crime. Private insurance association conglomerate. Coverage options for traditional homes, mobile homes, commercial properties and more. | Read reviews |
 | 1.0
35 reviews
| Provides free quotes over the phone or through a local agent. Available add-ons for mechanical and electrical failures. Online claims reporting. Multipolicy discounts. Mobile app available. | Read reviews |
 | 1.0
100 reviews
| Offers standard, premier and combined coverage options to protect property and belongings. Discounts for security systems, houses and components of a certain age, safe heat and more. Variety of add-ons available. | Read reviews |
 | 1.0
149 reviews
| The only AARP-approved auto and homeowners coverage provider. Two homeowners insurance plan options. Discounts available for retired individuals, policy bundling and more. Online claims filing. | Read reviews |
 | 1.0
View profile
| A division of insurer Munich Re. Offers homeowners insurance and unique coverage for hard-to-insure properties, including older homes and nonstandard builds. Operates in all 50 states. | Read reviews |
 | 1.0
View profile
| Offers homeowners insurance for homes, condos and high-value homes. Available in 10 Midwestern states. Auto, business and specialty insurance available. Optional add-ons. | Read reviews |
 | No reviews | Partners with insurers to offer coverage for damage to property and belongings, liability and living expenses, plus umbrella policies in most states. Get discounts for safety improvements, bundling policies and loyalty. | |
 | No reviews | Licensed homeowners insurance experts help decide how much coverage you need before you shop around for quotes from top insurance carriers. Handles the paperwork for you if you switch companies. | |
 | No reviews | Comprehensive insurance services. Some payouts within 48 hours. Policy rates depend on your home and other factors. Service available in 50 states and 54 countries and territories worldwide. | |
 | No reviews | Four customizable homeowners insurance policies to fit personal needs. Offered in 45 states. Incentives available to reduce premium costs. Homeowners credits. Auto/home bundle available. App for on-the-go policy management. | |
 | No reviews | Offers tools to let both renters and buyers compare home insurance companies and connect to local home insurance agents. Survey only takes two minutes. Site is free to use. | |
 | No reviews | Provides many options for insurance. Add-ons and specialty packages. Emphasizes bundling. Good for if you want multiple insurances through one company. No instant quotes online. Founded in 1852. Available in 21 states. | |
 | No reviews | Homeowners insurance provider. Available in 37 states. Offers four times better-than-average coverage for home offices. Preventive tools to stop accidents. Good for tech-focused homeowners. Eight discounts offered. | |
 | No reviews | Offers homeowners, condo, renters and landlord insurance. Available in 11 states. Policy bundles and discounts available. Prioritizes in-person experience. Has been providing insurance since 1962. | |
 | No reviews | Provides custom coverage with add-ons for natural disasters, home businesses and more with a variety of available discounts. Home insurance dividend program returns up to 20% of annual premium. Report claims online. | |
 | No reviews | Offers comprehensive home coverage with discounts available. Cash settlement options and extended replacement cost for umbrella coverage. Risk consulting and HomeScan help detect potential problems in the home. |
