Best Homeowners Insurance Companies

Profile picture of Matthew Brodsky
by Matthew Brodsky

Insurance Contributing Editor

Updated on 02/27/2018

Owning a home is a rewarding endeavor, but it’s also a huge investment. Many insurance companies offer home insurance policies to help homeowners protect the large purchases they’ve made.

Homeowners insurance policies often contain two coverages – property protection and liability coverage. Homeowners insurance policies have been around since the middle of the 20th century, and they continue to be an integral part of the home-owning experience.

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    Compare Reviews for Top Homeowners Insurance Companies

    National General Homeowners Insurance
    Read 38 Reviews

    National General Homeowners Insurance offers guaranteed and extended home replacement in the 48 contiguous United States. You can opt for a Green Upgrade, which allows up to $50,000 of coverage rebuilt with sustainable materials. Homeowners Insurance
    Read 117 Reviews connects you with an independent insurance agent who can comparison shop insurance policies for you, saving you time and money. Connect to hundreds of agents that will simplify your insurance, and your life.

    State Farm Homeowners Insurance
    Read 923 Reviews

    State Farm is a large insurance company headquartered in Bloomington, IL. The company offers a wide range of insurance services, including homeowners insurance, to customers across the United States and Canada.

    Allstate Homeowners Insurance
    Read 830 Reviews

    Allstate is one of America's largest insurance corporations, and they offer homeowners insurance in addition to auto, rental, motorcycle, life, business, and condo insurance. The company is headquartered in Northbrook, IL.

    USAA Homeowners Insurance
    Read 231 Reviews

    USAA is a trusted insurance company that offers benefits to customers who are members of the military as well as their extended families. The company was founded in 1922, and it is based out of San Antonio, TX.

    Farmers Homeowners Insurance
    Read 277 Reviews

    Farmers Insurance was originally founded in 1928 in Los Angeles. The company offers a wide range of insurance options, including home, auto, business, motorcycle, umbrella, and renters insurance for interested buyers.

    Liberty Mutual - Homeowners
    Read 237 Reviews

    Liberty Mutual is a large insurance company based out of Boston, MA. This trusted company has been providing customers with a selection of insurance policies such as home, auto, and life insurance since it was founded in 1912.

    AAA Homeowners Insurance
    Read 191 Reviews

    Well-known as an auto-insurer and emergency roadside assistance provider, AAA also provides customers with home insurance policies. The company offers condo and renters insurance, as well.

    Homesite Insurance
    Read 314 Reviews

    Homesite Insurance is a company based out of Boston, MA that offers homeowners insurance policies to its customers. The company offers a wide range of insurance options, from flood insurance to renters insurance.

    Travelers Homeowners Insurance
    Read 189 Reviews

    Travelers Homeowners Insurance offers customers homeowners insurance protection to take care of their homes as well as all of the belongings inside of it. The company was founded in 1853 in Saint Paul, Minnesota.

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    What to look for in homeowners insurance

    Policies & coverage

    Homeowners insurance policies can be lengthy and complicated, but it’s important to understand what’s covered.

    • Structure: If you ever experience the total loss of your home due to a disaster listed in your policy, you’ll want to be sure your insurance provider would pay enough to rebuild the exact same house in the exact same location.
    • Personal belongings: Furniture, clothes, electronics, collectibles and other personal items are covered if they are stolen or destroyed by an insured disaster. Most companies will provide personal belongings coverage for 50%-70% of the amount of insurance you have on the structure of your home. Each policy varies in dollar limits or off-premise coverage – so review yours closely.
    • Liability: Liability covers homeowners (and even their pets) against lawsuits for bodily injury or property damage caused to other people or other people’s property outside your home. Liability limits generally start at about $100,000, but many homeowners opt for additional coverage or increase their liability policy to cover a much broader range of incidents.
    • Temporary living expenses: Most homeowners insurance policies will pay for expenses that come up with your home is uninhabitable due to damage from a natural disaster or other event. There’s a limit, though, to how much you can spend.
    • Spoiled food: You can claim the loss of your food in addition to other damages incurred by a covered disaster, such as a major storm or tornado. If your only loss was food, though, your total loss is probably less than your deductible, meaning it won’t make sense to file a claim.
    • Stampeding wild animals: Yes, you read that right. And the next time a herd of wild buffalo comes stampeding through your fence and into your living room, you’ll be glad that your insurance has coverage. Note that insurance companies make a distinction between wild and domestic animals, so you’re out of luck if your neighbor unleashes her litter of adorable but aggressive kittens in your living room. You might also be out of luck if you live near livestock, which tend to be considered domestic, not wild. If you have concerns, double check with your insurance company ahead of time.
    • Cemetery vandalism: Grave markers generally fall under the category of “valuables” in your homeowners insurance policy, so you’re covered in the event that your loved one’s graveyard marking is vandalized.

    Policies & coverage: what is not covered

    There are many things that aren’t covered by minimum homeowners insurance policies, but they can often be added for an additional cost.

    • Emergency living expenses: Some homeowners may require additional coverage for living expenses if they are unable to live in their home due to a covered disaster.
    • Flood insurance: Homeowners policies don’t cover flood damage, but depending on where your home is located, you may want to consider flood insurance through the National Flood Insurance Program through a private insurer. If your home is in a flood plain, your mortgage lender will likely require this additional coverage.
    • Trampolines: Homeowners policies stay away from trampolines since they are such a high risk. Your premium will likely raise if you have a trampoline, and certain policies won’t cover injuries that result from them at all. Make sure you speak with your insurance agent before you let your kids (or yourself) loose on your backyard trampoline.
    • Pool deaths: Pools are another hazard for homeowners, and most home insurance liability policies aren’t enough to cover deaths or accidents caused by or in a pool. If you are getting a pool, you should consider raising your liability to $300,000 to $500,000 to make sure you are covered in the event of a tragedy.
    • Cash: Stashing cash under your mattress or in your coffee can isn’t just a bad idea from an investment standpoint. It can also leave you high and dry in the event of a burglary or other disaster. Generally, $200 is all that home insurance policies will cover, so you’re out of luck if you have $5,000 in cash sitting around the house that gets stolen or lost in a fire. Get your cash into a bank account now so you don’t wind up paying for it later.

    Industry ratings

    Homeowners insurance companies are rated by major insurance industry services including A.M. Best, Standard & Poor’s and Moody’s. Highly rated insurance companies will have a minimum rating of A- and  tend to have customers who are happy with their service and coverage. The lower an insurance company’s rating, the less financially secure it is, the greater risk there is that it could be unable to pay on customers’ claims, and the less likely it will be well-liked by customers.

    • Customer service & satisfaction ratings: Insurance companies are rated by such firms as J.D. Powers & Associates in the area of customer satisfaction, which is a reflection of how well customers’ needs are met.
    • Price & policy value ratings: A valuable homeowner’s policy will provide the coverage you need at an affordable premium.
    • Financial strength ratings: These ratings measure a company’s ability to pay claims to policyholders – which indicates whether or not the company will be around when disaster strikes.
    • Claims service ratings: Insurance providers are also rated on how effectively they handle claims filing, processing, adjustments and payments.


    Homeowners insurance costs can vary widely depending on the company you purchase insurance from and what types of and how much coverage you buy. Homeowners can benefit from comparing premiums and coverage costs from multiple companies before choosing a provider.

    • Deductibles: A deductible is the portion of a covered loss you must pay before your insurance company will pay. When an insurance policy has a high deductible, the insurer will generally charge less for annual premiums.
    • Premiums: Yearly homeowners insurance premiums vary widely and depend on multiple factors including, of course, how much coverage you need depending on the value of your home and the personal possessions inside of it.
    • Discounts: Many insurance companies offer specific discounts on deductibles and premiums for things such as bundling insurance, being a loyal customer, installing safety and security devices in your home, or not filing a claim for a certain period of time.

    Claims services

    Homeowners insurance policies are usually only needed in urgent situations, so speed is always a factor when dealing with the insurance company. Homeowners insurance companies vary greatly in terms of how quickly they can get insurance claims processed and paid.

    • Claims processing: A bureaucratic company can take a while to process insurance claims, which can be inconvenient when a homeowner needs money for a repair or help in an emergency situation. Other companies may be known for fighting policyholders over claims amounts.
    • Claims adjuster: During the claims process, the insurer’s adjuster will assess the damage caused by incident and provide a preliminary estimate of the total cost for clean up, repairs and restoration. Most homeowners insurance adjusters work directly for private insurance companies, while you can also hire an adjuster who works independently to conduct “non-sanctioned” appraisals. These public adjusters are often used by homeowners who are dissatisfied with the insurance company’s claims adjuster.

    Customer service

    Customer service is essential for policyholders who have questions about their coverage or require assistance during a time of emergency. Some homeowners insurance companies communicate directly with customers and do not deal with independent agents. Other companies use middlemen, who can be independent insurance agents or “captive” insurance agents (who only work for one insurance company).

    • Central customer service: Some insurance companies offer one central contact location for customer service, where all problems are heard and handled.
    • Localized customer service: Some homeowners insurance providers use individual local agents to communicate with and handle the needs of policyowners.
    • Digital customer service: Some companies use various online methods to communicate with customers, making the access to service convenient no matter where the customer is located.

    What are the different types of homeowners insurance coverage?

    Actual cash value

    This type of homeowners insurance covers the loss or damage of property (including personal items) after deducting depreciation – meaning how much the items are currently worth, not how much was originally paid.

    Replacement cost

    With replacement cost coverage, items lost or damaged are replaced without considering depreciation so that repairs and replacements can be made to return property whole.

    Guaranteed replacement cost

    Also known as extended replacement cost, this type of coverage will pay all costs needed to repair or replace lost property – even if it exceeds the policy limit, due to inflation in the value of a home or belongings. Some companies offer this type of coverage but typically cap it at 20-25% higher than the policy’s limit.

    Who needs homeowners insurance?

    Traditional homeowners

    A traditional homeowner is someone who owns a house and wants to protect their assets or is required by a mortgage lender to obtain homeowners insurance before being approved for a loan.

    Condo owners

    Condo owners live in units they own within in a larger building and usually purchase insurance that is meant for their unit and property only – with a small amount of coverage for the structure around their condo.

    Farm owners

    A person who owns a farm or a house on a farm needs a specific type of insurance to cover the property and dwellings, as well as detached garages, other structures and/or outdoor equipment used to maintain the grounds.

    Mobile homeowners

    Mobile homeowners own a home that is manufactured or prefabricated and can be moved from place to place. This type of insurance may also cover detached structures such as a shed or garage and may include coverage for personal belongings and injuries that occur on your property.

    Expert reviews for home insurance companies Homeowners Insurance

    Based in Minneapolis, is an independent insurance supplier. The company works with over 140,000 independent insurance agents to connect you to the agent who fits your needs.

    Read More
    Allstate Homeowners Insurance

    Allstate is one of America’s largest and most popular insurance companies. The company provides many types of insurance, including auto insurance, life insurance, homeowners insurance and more.

    Read More
    State Farm Homeowners Insurance

    State Farm is one of America’s largest and most popular homeowners insurance companies. Headquartered in Bloomington, IN, the company has been providing Americans different types of insurance since 1922.

    Read More
    Homesite Insurance

    Homesite is a company that is solely focused on providing people insurance for their residences. Homesite is one of the newer homeowners insurance companies around, founded in 1997, and the company operates out of its headquarters in Boston, MA.

    Read More
    Farmers Homeowners Insurance

    Farmers is a large, national insurance provider. The company was founded in 1928 and has grown to provide insurance policies for automobile owners, homeowners and motorcycle owners.

    Read More
    Nationwide - Homeowners

    Nationwide was first founded in 1925 in Columbus, Ohio. Originally, it had 1,000 policyholders. Today, it’s one of the country’s largest insurance companies, and it offers several types of insurance, including homeowners insurance and auto insurance.

    Read More
    Liberty Mutual - Homeowners

    Liberty Mutual was founded in Massachusetts in 1912. The company, now headquartered in Boston, offers many types of insurance, including auto, life and homeowners.

    Read More
    The Hartford - Homeowners

    The Hartford is a Fortune 500 insurance and investments company originally founded in 1810. The company provides several types of insurance, including auto insurance and homeowners insurance.

    Read More
    AAA Homeowners Insurance

    AAA is a large, nationwide insurance company that offers various types of insurance. While AAA is best known for its auto insurance policies, it also offers homeowners insurance policies to interested parties.

    Read More
    USAA Homeowners Insurance

    USAA was founded in 1922 and serves members of the military and their families. The company offers insurance policies, banking, investment options and other financial services.

    Read More
    American Family Insurance - Homeowners

    American Family Insurance has operated for over 80 years, and it offers a wide range of insurance policies. The company offers homeowners insurance in more than 19 states across America.

    Read More
    Progressive Homeowners Insurance

    Progressive Homeowners Insurance is a division of the Progressive Corporation, a large company known for offering a wide range of insurance products including rental, condo, mobile home and traditional home coverage.

    Read More
    Auto-Owners homeowners insurance

    Auto-Owners homeowners insurance helps protect property owners from unexpected repair and replacement expenses. With customized policy options that cover everything from major utility systems to contents, this insurance company offers total coverage options.

    Read More
    Erie Homeowners

    Erie Insurance has been in business for close to a century. Serving Illinois, Indiana, Kentucky, Maryland and the District of Columbia, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. The company provides homeowners and renters with coverage for several types of dwellings including houses, apartments, condominiums and manufactured homes.

    Read More
    Farm Bureau Homeowners

    Founded in 1939, Farm Bureau Financial Services has been providing homeowners insurance for nearly eight decades, and it offers plans for single-family dwellings, townhomes, duplexes, fourplexes, mobile homes and condominiums. Farm Bureau Financial Services serves residents in the Western and Midwestern United States, including Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota and Utah.

    Read More
    Foremost Homeowners

    Specializing in home insurance for people whose properties may not prove eligible for coverage with other companies, Foremost Insurance is licensed in all fifty states. Foremost partners with local agents so that homeowners can always receive face-to-face answers for all their policy questions.

    Read More
    Metlife Homeowners

    MetLife Homeowners offers insurance protection for a variety of home types, regardless of whether they're owned or rented. This includes houses, condos, apartments, mobile homes and manufactured homes. The insurance covers home contents, as well as property damage from causes such as theft, fire and smoke, and liability protection for lawsuits resulting from injuries sustained by visitors.

    Read More
    Safeco Homeowners

    Safeco is an insurance company that offers an array of insurance packages, including homeowners insurance. They help make obtaining homeowners insurance more affordable by offering discounts and monthly installment plans. Safeco is backed by Liberty Mutual Insurance, which is one of the top 100 largest U.S organizations.

    Read More

    Compare Reviews for Top Homeowners Insurance Companies

    American Family Insurance - Homeowners
    Read 122 Reviews

    American Family Insurance offers its customers a wide array of insurance options including homeowners, casualty, health, travel, renters, business and auto insurance. The company is headquartered in Madison, Wisconsin.

    Nationwide - Homeowners
    Read 203 Reviews

    Nationwide Insurance is a company that was founded way back in 1926. Headquartered in Columbus, OH, this trusted company offers customers comprehensive homeowners insurance policies backed by years of experience in the industry.

    Farm Bureau Homeowners
    Read 44 Reviews

    Farm Bureau Financial Services offers a variety of insurance coverage for homeowners. It offers quick and easy online account access in addition to other contact methods for viewing claims and accounts.

    Progressive Homeowners Insurance
    Read 33 Reviews

    Progressive Homeowners Insurance is a part of Progressive Corporation, a large insurance company that was founded in Mayfield Village, Ohio in 1937. The company offers home insurance policies to a range of homeowners and renters.

    Foremost Homeowners
    Read 32 Reviews

    Foremost Insurance offers comprehensive and customized home insurance policies for high-risk homes and people who have been declined by other agencies. It also serves those dealing with cancellation of homeowner's insurance.

    Safeco Homeowners
    Read 37 Reviews

    Founded in 1923, Safeco provides a variety of packages, including personalized homeowner insurance options tailored to the individual's needs. They offer 24/7 assistance with claims and affordable monthly installment plans.

    Citizens Property Insurance Corporation
    Read 74 Reviews

    Citizens Property Insurance is an insurance company that was created by the Florida legislature in 2002. Its purpose is to insure Florida homeowners who are entitled property insurance but are unable to find it.

    The Hartford - Homeowners
    Read 116 Reviews

    Founded in 1810, The Hartford is one of the oldest and most trusted insurance companies in the United States. Based in Hartford, CT, the company offers homeowners insurance policies in addition to vehicle insurance.

    Erie Homeowners
    Read 36 Reviews

    Erie Insurance is a Fortune 500 company that takes pride in providing excellent 24/7 customer service. They employ local agents in order to develop meaningful relationships with all of their customers.

    Country Financial Homeowners Insurance
    Read 62 Reviews

    Country Financial Homeowners Insurance, founded in 1925, is headquartered in Bloomington, IL. Originally founded as an insurance company that focused on fire and lighting damage, the company now offers insurance to homeowners.

    AARP/Hartford Homeowners Insurance
    Read 131 Reviews

    The Hartford and AARP have teamed up to offer customers homeowners insurance for members of AARP. These companies offer protection for a wide array of situations including owned homes, rentals, and condos, as well.

    Metlife Homeowners
    Read 26 Reviews

    MetLife Homeowners offers a variety of home insurance policies for personal home owners, renters and landlords. This includes collision coverage for mobile and manufactured homes that are being moved from one home site to another.

    Auto-Owners homeowners insurance
    Read 15 Reviews

    With almost 100 years of experience in the insurance industry, Auto-Owners homeowners insurance has the financial resources necessary to handle disasters. This Fortune 500 company has a written premium of over $5 billion.

    Pacific Specialty Insurance
    Read 49 Reviews

    Pacific Specialty Insurance is an insurance company that has been in business for about 30 years. The company offers homeowners insurance and other options to customers living in every state within the United States.

    AIG Homeowners Insurance
    Read 20 Reviews

    AIG is a large insurance company that offers insurance policies to individuals and businesses. In addition to offering homeowners insurance, the company also sells policies for life, retirement, investment, and more.

    Alfa Homeowners Insurance
    Read 32 Reviews

    Alfa Homeowners Insurance offers homeowners insurance policies to customers who wish to protect their property in case of potential physical damage. The company was founded back in 1946 by the Alabama Farmers Federation.

    California FAIR Plan
    Read 9 Reviews

    The California FAIR Plan is a group that includes all California insurers who are allowed to insure property. The organization offers insurance to those in the state who can't otherwise find insurance for their property.

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    Profile picture of Matthew Brodsky
    Matthew Brodsky

    Insurance Contributing Editor

    View Profile

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

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