The best home insurance companies

Homeowners insurance doesn’t follow a one-size-fits-all model. Each homeowner has distinct requirements shaped by factors such as necessary coverage, financial constraints, and other individual considerations. To assist in your search, InsuranceTips has compiled a list of top home insurance providers, emphasizing the distinctive features of each to illustrate what sets them apart from others.

best homeowners insurance companies

1. Amica

Why Amica might be the best overall: Amica’s outstanding claims handling and customer satisfaction make it an excellent choice for policyholders prioritizing exceptional customer service. The company topped the J.D. Power 2024 U.S. Property Claims Satisfaction Study, maintaining its strong performance by ranking first or second in the study for the past ten years. In addition to its high customer satisfaction ratings, Amica boasts “Superior” financial strength, as assessed by AM Best. To obtain a quote from Amica, go to their website at amica.com.

Availability: Homeowners coverage is offered in all states except Alaska and Hawaii.

Pros and Cons:

Pros:

• Amica ranks highest in J.D. Power’s property claims satisfaction for homeowners policies.
• Dividend policies may enable you to recover a portion of your premium.

Cons:

• Certain structures, like mobile homes, farms, and ranches, are generally not covered.

Amica Standout Features:

• Below-average complaint index for home insurance, as reported by the NAIC.
• Available in nearly all U.S. states.
• Specialized coverage options, including protection for computers and credit cards.
• Enhanced liability and medical payment coverage available.

How to Get Started with Amica:
You can use Amica’s online quoting tool or request a home insurance quote by calling 800-242-6422. For more information, visit their website at amica.com.

2. Chubb

Why Chubb may be best for high-value homes:
For luxury home owners, particularly those in high-risk areas, Chubb provides risk consulting services. This involves a trained consultant assessing your home’s features to estimate the cost of rebuilding. Additionally, Chubb offers HomeScan, a service designed to help identify potential issues before they lead to property damage claims. Most of Chubb’s home insurance policies are HO-5 or all-risk coverage and include endorsements for flood protection in areas where it is typically excluded.

Availability:
Chubb offers coverage in all states; however, since 2019, the company has stopped issuing new policies and limited policy renewals in California.

Pros and Cons

Pros:

• Coverage can be customized for luxury homes.
• The HomeScan tool helps detect potential issues before they result in claims.

Cons:

• Lower-than-average overall customer satisfaction according to J.D. Power.
• May come with a higher price tag.

Chubb Standout Features:

• Below-average complaint index as reported by the NAIC.
• Available nationwide.
• Includes extended replacement cost coverage.
• Water backup coverage is included.
• Offers complimentary home assessment services.
• Provides wine and spirits coverage.
• Multiple options for insuring valuable items.

How to Get Started with Chubb:
Chubb offers its policies exclusively through local independent agents. To begin, use the company’s “Find an Agent” tool to locate a Chubb office near you.

3NJM

Why NJM may be best for discounts:
New Jersey Manufacturers (NJM) is a regional property and casualty insurer that offers significant savings opportunities. Its premiums are generally much lower than the national average, and the company provides various discounts, such as those for having a backup generator, home alarm system, or storm shutters (in certain states). Note that discount eligibility may differ depending on your situation.

Availability:
Coverage is offered in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.

Pros and Cons:

Pros:

• Affordable average rates.
• A wide range of available discounts.

Cons:

• No mobile app for homeowners insurance policy management.
• Limited third-party data on customer satisfaction.

NJM Standout Features:

• Below-average complaint index according to the NAIC.
• Coverage options for assisted living care.
• Protection for fungi, wet or dry rot, and bacteria.
• Earthquake coverage available.

How to Get Started with NJM:
To obtain a quote from NJM, call 800-232-6600 or use their online quoting tool.

4Auto-Owners

Why Auto-Owners may be a good choice:
Homeowners who choose Auto-Owners often enjoy lower-than-average premiums compared to both national and state averages across the 26 states where the company operates. Additionally, the insurer provides a wide array of discounts for further savings. Auto-Owners works through a network of independent agents, some of whom possess specialized knowledge about local insurance needs, making it an appealing option for those seeking personalized service.

Availability:
Auto-Owners is available in Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.

Pros and Cons:

Pros:

• Home insurance premiums are typically more affordable than state and national averages.
• Access to local agents for assistance with policy management.

Cons:

• Not offered in all states.
• Limited digital tools for policyholders.

Auto-Owners Standout Features:

• Below-average complaint index for home insurance, as reported by the NAIC.
• Ordinance/law coverage included.
• Homeowners Plus coverage package available for enhanced protection.
• Home cyber protection to safeguard against digital threats.

How to Get Started with Auto-Owners:
To begin, visit Auto-Owners’ website to find a nearby agent who can help you prepare a customized quote.

5Erie

Why Erie may be best for customer service:
Erie is known for receiving high ratings from J.D. Power for customer satisfaction and offering competitive pricing. The insurer provides a variety of coverage options, such as water backup and guaranteed home replacement, allowing policyholders to tailor their policies to their specific needs. As a regional insurer, Erie serves 12 states and Washington, D.C., making it a strong choice for those in its service area due to its extensive optional coverages, strong customer satisfaction scores, and solid financial stability.

Availability:
Coverage is available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, Washington, D.C., West Virginia, and Wisconsin.

Pros and Cons:

Pros:

• Affordable average premiums.
• Ranked above-average in the 2024 J.D. Power U.S. Home Insurance Study and third in the 2024 U.S. Property Claims Satisfaction Study.

Cons:

• Limited mobile app functionality compared to other providers.
• Not available nationwide.

Erie Standout Features:

• Below-average complaint index for home insurance, according to the NAIC.
• Identity theft coverage available.
• Service line coverage available.
• Sewer backup coverage available.
• Equipment breakdown coverage available.

How to Get Started with Erie:
Erie offers quotes exclusively through its network of local independent agents. You can use the company’s website to find an agent and choose your preferred language for assistance.

6Allstate

Why Allstate may be best for first-time homeowners:
Allstate provides a wealth of online resources and diverse coverage options, making it an ideal choice for new homeowners who want to actively manage their home insurance. For those who prefer face-to-face assistance, Allstate also boasts a large network of local agents ready to assist with all insurance-related needs. Additionally, first-time homeowners may qualify for discounts, such as the recent homebuyer discount and the newly constructed home discount.

Availability:
Home insurance policies are available in all states except California.

Pros and Cons:

Pros:

• Comprehensive educational resources available online.
• The Common and Costly Claims tool helps you anticipate and prevent potential home damage.

Cons:

• Below-average score in the J.D. Power Home Insurance Study.
• Some coverage options might not be offered in every state.

Allstate Standout Features:

• Nearly nationwide availability.
• Coverage for yard and garden.
• Sports equipment property protection.
• Electronic data recovery coverage.
• Water backup coverage.
• Green improvement reimbursement for eco-friendly repairs.

How to Get Started with Allstate:
You can obtain a home insurance quote online through Allstate’s website. If you’d rather work with an agent, call 866-702-6500 or visit your nearest Allstate agency.

7State Farm

Why State Farm may be best for local agents:
State Farm is a well-regarded insurer with a strong financial history and over 19,000 exclusive agents across the U.S. Its low NAIC complaint index for home insurance and above-average J.D. Power satisfaction score suggest that policyholders are generally pleased with the company’s service.

Availability:
Coverage is available in all states except Massachusetts and Rhode Island. As of May 2023, State Farm is no longer accepting new home insurance applications in California.

Pros and Cons:

Pros:

• Highly rated digital tools for convenience.
• Higher-than-average overall satisfaction score in the J.D. Power study.

Cons:

• Fewer advertised discounts compared to some competitors.
• Not fully available nationwide.

State Farm Standout Features:

• Near-nationwide availability.
• Coverage for home systems, such as plumbing and electrical.
• Dwelling foundation coverage.
• Premier Service Program for enhanced support.
• Water backup protection.
• Green improvement reimbursement for eco-friendly repairs.

How to Get Started with State Farm:
Getting a homeowners insurance quote from State Farm is straightforward. You can obtain a quote online, call 800-782-8332, or visit a State Farm agency in your area for assistance.

8 Travelers

Why Travelers may be best for customizable coverage:
Travelers offers both standard endorsements, such as coverage for jewelry and water backup, as well as unique options like green home coverage and identity protection. Additionally, they provide a free home history tool called OpenHouse, which allows potential homeowners to review a property’s claim history. This makes Travelers an appealing choice for those seeking a highly tailored insurance policy.

Availability:
Coverage is available in all states except Alaska, Florida, Hawaii, Louisiana, and West Virginia.

Pros and Cons:

Pros:

• Green home discount is available.
• OpenHouse, a free home history tool, is accessible to customers.

Cons:

• Not available in all states.
• Below-average score in the J.D. Power Home Insurance Study.

Travelers Standout Features:

• Near-nationwide availability.
• Personal articles floater for valuable items.
• Contents replacement cost coverage for belongings.
• Additional replacement cost protection for your home.

How to Get Started with Travelers:
To get a quote, homeowners can call 866-218-5587, reach out to a local Travelers agent, or visit their website for more information.

9 American Family

Why American Family may be best for digital experience:
American Family has been recognized as the 2025 Bankrate Awards winner for Best Digital Home Insurance Company. It performed impressively in J.D. Power’s 2024 U.S. Insurance Digital Experience Study, ranking second in shopping and fourth in service. Policyholders can access their insurance ID card, policy details, and billing information through a user-friendly digital dashboard. Additionally, they can make payments, track claims, and communicate with agents either online or via the AmFam mobile app.

Availability:
Coverage is available in Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

Pros and Cons:

Pros:

• High ratings for digital shopping and service from J.D. Power.
• Offers lower-than-average rates compared to the national average.

Cons:

• Not available nationwide.
• Below-average overall customer satisfaction based on J.D. Power scores.

American Family Standout Features:

• Coverage for hidden water damage.
• Equipment breakdown protection.
• Roof damage coverage.

How to Get Started with American Family:
You can obtain a home insurance quote by visiting their website or calling 800-692-6326.

Finding the best homeowners insurance company for you

Choosing the right homeowners insurance company involves a personalized approach. Finding affordable coverage that meets your needs can be challenging, but it’s achievable with careful consideration. To make an informed decision, it’s essential to understand your specific coverage requirements, the factors influencing your premium, and what aspects matter most when managing your policy. For instance, climate and location significantly affect coverage needs. If you reside near a fault line, adding earthquake coverage could be beneficial. Similarly, if you live in a flood-prone area, incorporating flood insurance is likely a smart choice.

Home insurance providers typically assess over a dozen personal factors to determine your rate. These may include your credit history, ZIP code, claims history, and marital status, depending on the state. Consequently, insurance rates, coverage options, and available discounts vary widely among individuals and insurers. If you’re unsure where to start, consulting an independent agent or broker can be helpful. They can gather quotes from multiple companies for you and offer tailored advice to ensure your coverage aligns with your unique needs.