How we ranked the top home insurance companies: NerdWallet ’ s editorial team considered coverage options, discounts, complaint data from the National Association of Insurance Commissioners, fiscal lastingness grades from AM Best and more to determine the best homeowners insurance companies. As we continue to evaluate more indemnity providers and receive fresh data, this list of best home indemnity companies is probably to change.
Why you can trust NerdWallet: Our writers and editors follow rigid editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to home indemnity — a company ’ mho rat for early products may be unlike on our site. See our criteria for evaluating homeowners indemnity companies.
The best home insurance companies
Best homeowners insurance companies: Pros and cons
Chubb
5.0
NerdWallet rate
Best for: Affluent homeowners who want high coverage limits and lots of perks .
Policies available in: All 50 states and Washington, D.C .
How to get a quote: Through mugwump indemnity agents .
Pros: Chubb includes several features in its homeowners policies that early companies charge extra for. It offers a boastfully number of discounts excessively .
Cons: Chubb tends to be more expensive than early insurers and doesn ’ thyroxine offer on-line quotes for most consumers .
Company overview: Chubb targets owners of expensive homes, tailoring a lot of its experience toward comfortable clients. It offers a significant count of coverage options, including atypical ones such as HomeScan, which helps uncover issues with your home that require attention before they can cause wrong .
Chubb besides offers extend substitution cost coverage for your populate and replacement value for your belongings as partially of its standard policy, another unusual profit for consumers. This means that if your home costs more than expected to rebuild after a cover disaster, Chubb will pay out more than your selected dwelling restrict to help cover the cost. It besides means that you ’ ll receive adequate of a payout to buy brand-new replacements for your damage belongings, quite than getting only their depreciated respect .
Chubb has significantly fewer complaints to state of matter regulators than expected for a company of its size, according to three years ’ worth of data from the NAIC .
» Read the full review: Chubb home insurance
Nationwide
5.0
NerdWallet rate
Best for: Homeowners seeking lots of dismiss options and coverage early companies charge excess for .
Policies available in: Washington D.C., and every express except Alaska, Hawaii, Louisiana and Massachusetts .
How to get a quote: Online ( except in Florida ) or through an agent .
Pros: Nationwide has a user-friendly web site and offers batch of discounts .
Cons: Nationwide doesn ’ t cover mobile or manufactured homes .
Company overview: Nationwide stands out by offering ordinance or law indemnity in its standard homeowners policy policy. This means if you have a brood loss and indigence to update your home to meet current building codes, your policy may cover the costs .
Nationwide besides earns high marks for its consumer experience. Policyholders can file and track claims online or by telephone, and the company ’ sulfur web site has a large library of consumer-centric contented .
» Read the full review: Nationwide home plate insurance
NJM
5.0
NerdWallet rat
Best for: Homeowners seeking generous coverage included standard .
Policies available in: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania .
How to get a quote: Online or by earphone .
Pros: NJM ’ mho policies offer perks that would cost extra from other companies, plus plenty of ways to customize your coverage .
Cons: NJM sells policies in merely five states .
Company overview: NJM Insurance serves entirely five states, but if you live in one of them, you ’ ll find generous homeowners policies that include respective types of coverage that cost extra from other insurers. For model, the ship’s company ’ s guaranteed substitution cost coverage will pay to rebuild your home if it ’ mho destroyed, even if the damage exceeds your dwelling limit .
NJM has a streamlined on-line know that allows you to well manage the claims serve. In addition, nonsmokers and people age 65 and up receive discounts on their premiums .
Complaints to state regulators about NJM ’ south homeowners indemnity are far fewer than expected for a company of its size, according to the NAIC .
» Read the full review: NJM dwelling indemnity
Amica
4.5
NerdWallet rat
Best for: Those seeking adept customer overhaul and lots of coverage options .
Policies available in: Washington, D.C., and every department of state but Alaska and Hawaii .
How to get a quote: Online or by earphone .
Pros: Amica has a bombastic number of addition coverage options, plus efficient on-line claims filing and tracking .
Cons: Amica doesn ’ deoxythymidine monophosphate offer as much detail homeowners insurance information on its web site as some other companies do .
Company overview: Amica home policy offers the standard coverage you ’ vitamin d expect along with potent customer service. Those looking for extra coverage can select the Platinum Choice box, with perks like extended dwelling coverage, higher liability limits and coverage for wrong due to backed-up drains or overflowing sump pumps .
Amica offers a program called Contractor Connection, which helps pair customers with license and insured contractors. The company besides has discounts for :
- Staying with an insurer for at least two years.
- Insuring a new or remodeled home.
- Receiving bills electronically and paying automatically each month.
» Read the full review: Amica home indemnity
Country Financial
4.5
NerdWallet rate
Best for: Those who prefer to have a personal conversation when choosing coverage .
Policies available in: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, Wisconsin .
How to get a quote: By call .
Pros: The company draws far fewer customer complaints than expected for a company of its size and offers an align of coverage options .
Cons: There ’ s no way to get a quote on-line, and policies aren ’ thymine available in all states .
Company overview: Depending on which type of policy you choose, Country Financial may cover family mishaps, such as countertop burns or spilled paint. In most states, Country Financial offers guaranteed substitution cost coverage that pays the price of standard fresh structure materials and british labour party if you need to rebuild your home, with no limits .
Customers can get safety-focused discounts for features such as :
- Newer electrical wiring.
- A safe heating source.
- Smoke detectors and automatic sprinkler systems.
Given its size, Country Financial sees far fewer complaints to regulators than expected regarding its home policy, according to the NAIC .
» Read the full review: Country Financial home policy
Erie
4.5
NerdWallet evaluation
Best for: Homeowners in the middle atlantic or Midwest who want to work with an agent .
Policies available in: Washington, D.C., plus Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin .
How to get a quote: Through an agent .
Pros: Erie draw fewer complaints than expected for a company of its size and offers guaranteed substitute cost criterion with some policies .
Cons: You can ’ triiodothyronine file claims online, and the company ’ s geographic reach is limited .
Company overview: If you live in one of the states Erie serves, its policies are worth considering. In some locations, the caller includes guarantee substitution cost coverage in its standard policies. This means Erie will pay a much as necessary to rebuild your home if it ’ sulfur destroy, even if the sum is higher than your dwelling specify .
To far customize your policy, you can add options such as identity recovery, service line protection and body of water backup coverage. Discounts are available for bundling your homeowners indemnity with another lake erie policy or installing burglar or sprinkler systems .
Erie doesn ’ metric ton crack as many online bells and whistles as some early insurers do. You ’ ll have to call an agent to get a quote, for example, and you can ’ thymine file claims online. But if you prefer having a personal kinship with a local anesthetic agent, the caller might be a good suit .
» Read the full review: Erie policy
The Hanover
4.5
NerdWallet rat
Best for: Those looking for many ways to customize their policy .
Policies available in: Arkansas, Connecticut, Georgia, Illinois, Indiana, Louisiana, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Tennessee, Vermont, Virginia and Wisconsin .
How to get a quote: Through an agent .
Pros: The Hanover has an extensive list of ways to customize your coverage and receives far fewer consumer complaints than expected for a company of its size .
Cons: Manufactured homes and certain frump breeds aren ’ t covered. There ’ s no on-line quote option.
Read more: Best car insurance companies for 2022
Company overview: The Hanover offers a variety of ways to customize your homeowners policy, including coverage for wrong due to water backing or for expenses associated with bringing your dwelling up to stream construction codes after a disaster. You can besides opt for guarantee successor price coverage indeed you know you ’ ll have enough money to rebuild, tied if costs are higher than expected .
If you buy the company ’ s Prestige policy, designed for higher-value homes, you won ’ metric ton have to pay a deductible on claims higher than $ 50,000 .
» Read the full review: The Hanover home insurance
Hippo
4.5
NerdWallet rating
Best for: Homeowners looking for fast on-line quotes and digital-first overhaul .
Policies available in: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin and West Virginia .
How to get a quote: Online or by earphone .
Pros: Hippo offers fast quotes plus a wide range of excess coverage options .
Cons: Its policies aren ’ deoxythymidine monophosphate available in all states, and its technical school stress doesn ’ thyroxine solicitation to everyone .
Company overview: Founded in 2015, Hippo emphasizes technology and drug user experience, with a 60-second “ instant quote ” feature of speech for easy price comparison. Hippo ’ second focus is apparent in some of the extras that come with its policies, such as a fresh home monitoring system and virtual connections to home maintenance advisors .
several of Hippo ’ s discounts focus on family base hit. Features such as burglar alarms and living in a gated community will save consumers on their premiums .
» Read the full review: Hippo home plate insurance
Kin
4.5
NerdWallet evaluation
Best for: Homeowners in bad states .
Policies available in: Florida and Louisiana .
How to get a quote: Online or by earphone .
Pros: Quotes are easy to get on-line, and policies include coverage that costs extra from some early companies. If you use one of Kin ’ randomness recommended contractors after a claim, you can get a dismiss on your deductible .
Cons: Its handiness is limited to two states, and there ’ s no bundling rebate. Pet liability, normally included in a standard homeowner policy, costs extra from Kin .
Company overview: Another newer ship’s company on the home indemnity setting, Kin was founded in 2016. Its standard home insurance covers personal belongings on a successor cost basis, which means the company will pay out enough for you to buy fresh items if yours are stolen or damaged in a cover catastrophe .
Depending on where you live, you may be able to add extra coverage for identity larceny expenses, water backing damage and costly valuables such as jewelry. You can save money on your policy by installing security and displace alarms and taking steps to protect your dwelling from hoist .
» Read the full review: Kin home policy
Travelers
4.5
NerdWallet rat
Best for: Homeowners looking for a company with a user-friendly web site and batch of coverage options .
Policies available in: Washington, D.C., and every department of state except Alaska, Florida, Hawaii, Louisiana and West Virginia .
How to get a quote: Online, by telephone or through an agent .
Pros: The web site and app offer utilitarian features, and there are lots of options for coverage .
Cons: Mobile and manufactured homes can ’ deoxythymidine monophosphate catch coverage .
Company overview: Travelers ’ optional Green Home Coverage helps cover extra costs of using environmentally friendly construction materials when rebuilding after a cover claim. Carrying that theme far, Travelers offers customers a deduction if their homes are certified as “ park ” by the Leadership in Energy and Environmental Design, or LEED, organization .
Travelers ’ web site allows for easy submission and track of claims, and it provides educational materials on basic homeowners indemnity questions .
» Read the full review: Travelers home indemnity
USAA
4.5
NerdWallet evaluation
Best for: Current and former members of the military .
Policies available in: All 50 states and Washington, D.C .
How to get a quote: Online or by call .
Pros: Policies include perks for members of the military and cost less than the national average, according to NerdWallet ’ randomness analysis .
Cons: only military, veterans and their families are eligible .
Company overview: USAA is open entirely to active military members, veterans and their families. For those who qualify, USAA provides several standard features that many other insurers don ’ thyroxine :
- Identity theft coverage in most states to help with expenses if you are the victim of identity fraud.
- Military uniform coverage for those on active duty or deployed, which provides full reimbursement without a deductible if a uniform is damaged or stolen during a covered event.
- Replacement cost coverage, which pays the cost to replace items rather than providing only the depreciated value.
USAA has far fewer complaints to express regulators for home insurance than expected for a company of its size, according to the NAIC .
» Read the full review: USAA home indemnity
How to find the best home insurance policy in five common scenarios
You’re a first-time homebuyer
We get it — the homebuying march can be a whirlwind, and getting a homeowners policy may feel like one more item to check off a apparently endless disturbance list. But it ’ s hush deserving understanding the basics to make certain you ’ re financially protected .
For a quick flat coat, check out the essential terms to understand in your homeowners policy. then consider setting a calendar admonisher to call your insurance company six months after closing. By that charge, you ’ ll be settled in and have a bit more time to double-check that you ’ ve got all the coverage you need .
You live in a high-risk area
Is your region prone to hurricanes, wildfires, earthquakes or other disasters ? If sol, you might want to spend a short extra time researching your coverage options .
For case, damage from floods and earthquakes isn ’ metric ton covered by most homeowners policies, so you may need to purchase extra insurance. If you live along the coast, you may have a distinguish windstorm or hurricane deductible that ’ second higher than your standard deductible for other disasters. A local anesthetic agent can help you assess your risks and make surely you ’ re amply covered .
» MORE: Complete usher to hurricane indemnity
You have a dog
If your furred pal bites a visitor or attacks person at the dog parking lot, the liability section of your home indemnity policy may be able to help with result legal or medical expenses. But preceptor ’ deoxythymidine monophosphate just assume you ’ rhenium covered .
Some indemnity companies exclude certain breeds such as pit bulls or Rottweilers, while others won ’ deoxythymidine monophosphate cover animal liability claims unless you add extra coverage to your policy. double-check with your indemnity company or agent to make sure your canine companion is properly covered .
» MORE: Why your andiron needs liability insurance even if she ’ s perfect
You own valuable items
If you have expensive belongings such as an antique ball field ring or a high-end guitar, double-check whether it ’ s fully covered by your homeowners policy. many valuable items are insured alone improving to certain sublimits, such as $ 1,500 .
If that ’ s not enough, you can typically buy excess coverage for person items or collections. An appraisal may be required .
You own an older home
Say the wire in your century-old priggish international relations and security network ’ t up to modern safety standards, or the house has alone architectural features that would be expensive to rebuild. These and other factors could make it bully to find low-cost indemnity for an older home. You might even need to make upgrades before you ’ re approved for coverage .
An have agent can help you weigh your options. For exemplify, you may want to add ordination or law coverage to your policy to pay expenses associated with bringing your house up to current building codes during repairs .
How to compare homeowners insurance
1. Decide how much coverage you need. Finding the best homeowners insurance company for you starts with making surely you ’ ra denounce for the right coverage. A standard policy covers your theater and early structures, but the amount of coverage you need depends on how much it would cost to rebuild your home .
You ’ ll besides have several options to consider, including the measure of your indemnity deductible ( the amount you pay out of pouch in the event of a claim ) and whether you need extra insurance for valuable items. You might besides want policy upgrades to cover earthquake damage or to ensure you can replace old belongings with new ones after a loss, rather than being paid for their depreciate value .
By figuring out what you need before you compare home policy companies, you can be certain each policy you ’ rhenium considering provides the lapp level of coverage. You can besides eliminate companies that don ’ thyroxine offer the options you want .
» MORE: Homeowners insurance : What it is and what it covers
2. Compare home insurance quotes. After you outline your coverage needs, you can start shopping for homeowners policy. You ’ ll want to compare family insurance quotes from at least three companies to be surely you ’ re getting the cheapest policy you can .
Homeowners indemnity costs an average of about $ 132 a month, according to a NerdWallet psychoanalysis. But rates can vary dramatically because no two houses are the same and each insurance company uses its own formula to calculate premiums and discounts .
You can shop for quotes online or by call, or you can work with an insurance agent or broker to find the cheapest dwelling indemnity for you. Whichever path you choose, make certain to compare policies with like coverage and deductibles .
besides, be mindful that a homeowners insurance quotation mark is only an estimate. Your price may change if an indemnity caller checks out your house and determines you need a different measure of coverage .
» MORE: 9 ways to cut the price of homeowners insurance
3. Research home insurance discounts. Most companies offer a standard bent of home insurance discounts, such as savings for having multiple policies with the like insurance company ( for exercise, both dwelling and car indemnity ), installing condom and security devices in your home plate, and avoiding claims for straight years .
Beyond those, you will see differences in both the number and type of discounts available. Matching the discounts your home is eligible to receive will ensure that you not lone get the policy you want but besides benefit from investments you have made in your home plate .
4. Check customer satisfaction and complaints. If you choose a home plate indemnity caller that ’ s known for making its customers felicitous, you can feel more confident that you will have a good experience .
To see whether previous customers have been satisfied, you can look at studies on homeowners insurance and property claims satisfaction from J.D. Power, which surveys thousands of homeowners per annum .
The NAIC web site is another source of information about how indemnity companies have performed. You can find out how many complaints were filed against an insurance company with department of state regulators, the reasons for the complaints, and whether there were more complaints than expected for a company of its size .
» MORE: See all NerdWallet homeowners indemnity reviews
5. Consider financial strength. You ’ ll want to buy homeowners indemnity from a stable company with enough money to pay claims. fiscal lastingness is one way to evaluate whether an insurance company meets that standard. You can check fiscal potency through a rate firm such as AM Best .
NerdWallet typically recommends considering insurers with ratings of A- or higher. Any company with an AM Best rate of B+ or higher has a “ good ” ability to meet its obligations in AM Best ’ randomness opinion. Companies with ratings below that may not be quite as safe a bet and frequently have higher rates of complaints relative to their size .
Find the best homeowners insurance in your state
Don ’ t see your state below ? Check back soon — we ’ ra adding more dwelling insurance stories all the clock time .
Frequently asked questions
What is homeowners insurance?
A homeowner policy is policy that protects you financially if a fire damages your home, person steals your belongings or another calamity strikes. Homeowners insurance is broadly required by mortgage lenders .
What does homeowners insurance cover?
Homeowners insurance typically covers your theater and everything in it from price due to fire, wind, intemperate snow and other disasters known as “ perils. ” The loss of consumption section of your policy reimburses you for hotel stays or other expenses if you need to move out of your home during cover repairs. And your policy ’ randomness liability coverage will pay if you injure person else or damage their property .
To learn more, see our narrative on homeowners insurance coverage .
What does home insurance not cover?
standard homeowners policies don ’ triiodothyronine cover damage due to flooding, earthquakes, landslides or infestations. Nor will they cover casual wear and tear or problems caused by disregard .
You may be able to buy extra indemnity to cover some of these problems. For example, flood policy is available through the National Flood Insurance Program and private providers .
How much does homeowners insurance cost?
The average cost of homeowners policy in the U.S. is $ 1,585 per class, according to NerdWallet ’ s rate analysis. however, this cost varies based on where you live, the size of your house and how much coverage you need.
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our
Insurer complaints methodology
NerdWallet ’ mho homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on burden averages of scores in several categories, including fiscal lastingness, consumer complaints, coverages, discounts, on-line have and more. Our “ ease of use ” class looks at factors such as web site foil and how easy it is to file a claim. These ratings are a steer, but we encourage you to shop around and compare several policy quotes to find the best rate for you. NerdWallet does not receive recompense for any reviews. Read our column guidelines NerdWallet examined complaints received by submit policy regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each auxiliary, measuring its contribution of total complaints relative to its size, or share of full premiums in the industry. To evaluate a company ’ s ailment history, NerdWallet calculated a exchangeable index for each insurance company, weighted by market shares of each auxiliary, over the three-year period. Ratios are determined individually for car, home ( including renters and condominium ) and life insurance .