Our picks for the best home insurance companies take into consideration each insurance company ’ s fiscal ratings, customer overhaul and claims satisfaction ratings, coverage options, and average premiums according to Policygenius data. When comparing rates, keep in mind that the national average for home policy premiums is $ 1,249 per year, according to the National Association of Insurance Commissioners. [ 1 ] You can check out our full methodology below .

Best home insurance ship’s company ratings

company Policygenius rat

Best for
Acuity 4 Cheap rates
Allstate 3.9 First-time homebuyers
Amica 4.2 Customer satisfaction
State Farm 4 Easy claims filing
Encompass 4.1 Bundling home and auto
Safeco 3.6 Comprehensive coverage
Hippo 4 Techies
Travelers 3.8 Green homes
USAA 4.3 Military families

placid not indisputable which ship’s company is right for you ? Let Policygenius do the oeuvre for you. Our team of insurance experts will compare policies and let you know which company offers you the most bang for your vaulting horse. ready to shop home insurance ? Start calculator

Best for cheap rates: Acuity

Acuity

4 Policygenius rating How we score : Policygenius ’ ratings are determined by our column team. Our methodology takes multiple factors into account, including pricing, fiscal ratings, quality of customer service, and early product-specific features .Acuity logo With competitive rates and respective rebate opportunities, Acuity could be a smart option for homeowners on a budget. Just make certain it ’ second available in your express. Pros

  • moo rates on par with the national average — approximately $ 1,257 per year
  • Offers guaranteed substitute cost coverage — meaning it ’ ll pay to repair your home regardless of the cost
  • score discounts for owning a new or mature home, paying your annually premium in wide, bundling your home and car, and more

Cons

  • only available in 27 states throughout the West and Midwest

Read our full moon Acuity review Get quotes

Why Acuity is best for cheap rates

Acuity stands out for the best home policy rates thanks to its competitive premiums that are on par with the national average — something we can ’ t say for a batch of the other companies on this number. It helps that you can score a swerve of discounts with Acuity, including ones for fresh or mature homes, paying your annual premiums up front, bundling your home and car coverage, and more .

state of matter handiness

27 states throughout the West and Midwest not including Alabama, Alaska, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Louisiana, Maryland, Mississippi, Missouri, New Jersey, New York, North Carolina, North Dakota, Oklahoma, Rhode Island, South Carolina, Washington, or West Virginia

How to get a quote

Online through Policygenius or Acuity

Best for first-time homebuyers: Allstate

Allstate

3.9 Policygenius evaluation How we score : Policygenius ’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, fiscal ratings, quality of customer service, and other product-specific features .Allstate logo Allstate offers a swerve of discounts — including one for new homebuyers — but you ’ ll be on the hook for higher-than-average premiums. Pros

  • 8+ discounts, including autopay, bunch, zero claims, new homebuyer, and more
  • file and chase claims online or through its mobile app
  • available in all 50 states, plus Washington, D.C .

Cons

  • Rates are 35 % higher than the national average — roughly $ 1,680 per class

Read our wide Allstate review Get quotes

Why Allstate is best for first-time homebuyers 

Allstate stands out for its homebuyer discount, even if it ’ s not a new construction. It besides offers two other standout perks for raw homebuyers :

  • user-friendly web site and mobile app for easy claims filing
  • Save up to 25 % for bundling your home and car policies

State availability

All 50 states and Washington, D.C .

How to get a quote

Online through Policygenius or Allstate

Best for customer satisfaction: Amica

Amica

4.2 Policygenius rate How we score : Policygenius ’ ratings are determined by our editorial team. Our methodology takes multiple factors into history, including pricing, fiscal ratings, quality of customer service, and other product-specific features .Amica logo Amica ’ s customer service and claims work are unrivaled by competitors, but you ’ ll pay up for it — with rates 55 % higher on average. Pros

  • file and track claims online or through its mobile app
  • Dividend platform refunds some of your policy payments at the goal of the year
  • Contractor referral program helps you find a certifiable contractor for repairs after you file a title
  • available nationally, except Hawaii and Alaska

Cons

  • Rates are 55 % higher than the home median — approximately $ 1,939 per year
  • special coverage perks aren ’ metric ton available countrywide
  • Doesn ’ triiodothyronine offer guaranteed substitute cost brood coverage

Read our full Amica review Get quotes

Why Amica is best for customer satisfaction

Amica took home the acme spot in J.D. Power ’ sulfur 2021 Home Insurance Study, scoring a perfect 5 out of 5 in four key categories :

  • coverage options
  • clearness and accuracy of the charge work
  • Customer interactions
  • Claims know

While Amica can be pricier than competitors, it may be worth the add expense when you consider the superscript level of coverage and customer avail you ’ re receive .

State availability

All states and Washington, D.C. except Hawaii and Alaska

How to get a quote

Online through Policygenius or by calling Amica

Best for easy claims filing: State Farm

State Farm

4 Policygenius rat How we score : Policygenius ’ ratings are determined by our editorial team. Our methodology takes multiple factors into report, including pricing, fiscal ratings, timbre of customer servicing, and other product-specific features .State Farm logo state of matter Farm ’ s customer atonement and fiscal intensity ratings are through the ceiling — but you won ’ metric ton find as many discount rate opportunities as early insurers. Pros

  • file and track claims online, over the telephone, in person, or through its mobile app
  • high gear customer satisfaction and fiscal potency ratings
  • available in all 50 states, plus Washington, D.C .

Cons

  • Rates are 20 % higher than the home average — approximately $ 1,500 per year
  • No discounts for first-time homebuyers or going a year without a claim

Read our wax State Farm homeowners review Get quotes

Why State Farm is best for easy claims filing

submit farm makes filing a claim easy-peasy, with a few different options to choose from :

  • Calling the State Farm claims division
  • on-line
  • Through its mobile app

Have questions ? No worries ! Its full-bodied on-line information center and fluid app base on balls you through the entire claims process. And customers agree : State Farm scores high marks for customer satisfaction ratings from J.D. Power and the NAIC ailment exponent .

State availability

All 50 states and Washington, D.C .

How to get a quote

Online through Policygenius or State Farm

Best for techies: Hippo

Hippo

4 Policygenius rat How we score : Policygenius ’ ratings are determined by our editorial team. Our methodology takes multiple factors into history, including price, fiscal ratings, quality of customer service, and other product-specific features .Hippo logo Hippo is paving the way with budget-friendly home insurance policies that offer discounts for tech-savvy homes. The merely downside ? You can ’ t file claims online. Pros

  • Rates are only a tad higher than the national average — roughly $ 1,499 per class
  • exempt smart home monitor organization with the purchase of a qualify policy
  • even its most basic policies offer coverage and features that rival higher-tier policies with other insurers

Cons

  • Can ’ triiodothyronine file claims online — it must be done over the telephone
  • not available nationally

Read our full moon Hippo revue Get quotes

Why Hippo is best for techies

Though it ’ s only been around seven years, Hippo offers four times higher coverage limits for computers and home agency electronics than most of its competitors. And you can add on full substitution cost coverage for an extra fee to triple-check all of your TVs, sound bars, and bright dwelling equipment are covered. Oh, and did we mention qualifying customers get a free smart home monitoring kit out that can alert you to things like water price, break-ins, and fires ? : center eyes emoji :

State availability

36 states — not including Alaska, Hawaii, Idaho, Iowa, Louisiana, Massachusetts, Michigan, Missouri, New York, North Carolina, North Dakota, Oklahoma, South Dakota, or Wyoming

How to get a quote

Online through Policygenius or Hippo

Best for bundling home and auto: Encompass

Encompass

4.1 Policygenius denounce How we score : Policygenius ’ ratings are determined by our editorial team. Our methodology takes multiple factors into bill, including price, fiscal ratings, quality of customer service, and other product-specific features .Encompass logo embrace offers up to a sock 35 % rebate for bundling your home and car policies. But keep in heed its premiums are about double the home median. Pros

  • score up to 35 % off your premiums by bundling your home plate and car policy
  • Offers coverage add-ons for boats, family businesses, water backup, landscape, mortgage rate protection, and more
  • Accepts homes with ALL dog breeds — rare for insurance companies

Cons

  • Rates are about double the national average — approximately $ 2,420 per year
  • not available countrywide

Read our full Encompass review Get quotes

Why Encompass is the best for bundling

embrace offers a alone bundle incentive that lets you pay one indemnity bounty for both policies. even better ? You ’ ll only have to pay one deductible for losses to your home and car, all while saving up to 35 % on your premiums .

State availability

40 states — not including Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming

How to get a quote

Online through Policygenius or by calling embrace

Best for comprehensive coverage: Safeco

Safeco

3.6 Policygenius rat How we score : Policygenius ’ ratings are determined by our column team. Our methodology takes multiple factors into account, including price, fiscal ratings, quality of customer service, and early product-specific features .Safeco logo Safeco offers four unique policy tiers so you can find the accurate level of coverage that ’ s right field for you. just keep in mind it doesn ’ t have the best customer service ratings. Pros

  • Offers equipment breakdown coverage to replace separate appliances for barely $ 2 a month
  • File claims on-line or over the phone
  • Get property damage claims estimates through video chat

Cons

  • Rates are 35 % higher than the national average — roughly $ 1,683 per class
  • Less-than-stellar customer service ratings
  • No unique discounts for green or tech-savvy homes

Read our full Safeco review Get quotes

Why Safeco is best for comprehensive coverage

Safeco stands out thanks to its guaranteed successor cost coverage, which means you ’ ll be reimbursed for the fully rebuild sum when your home is damaged — careless of how much construction prices spike in the wake of a calamity. And its guarantee haunt network gives you access to pre-qualified experts to help repair your home after you file a claim. Plus, using one of SafeCo ’ s recs includes a guarantee materials and parturiency guarantee — spill about a win-win .

State availability

available countrywide except Alaska, Arkansas, New Jersey, Delaware, Florida, Hawaii, Rhode Island, Maine, and Washington, D.C .

How to get a quote

Online through Policygenius or by calling Safeco

Best for green homes: Travelers

Travelers

3.8 Policygenius denounce How we score : Policygenius ’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including price, fiscal ratings, choice of customer service, and early product-specific features .Travelers logo Travelers shines thanks to its four comprehensive examination coverage packages and extra add-ons specifically for greens homes. But its rates aren ’ t the lowest out there. Pros

  • Offers greens base coverage and discounts
  • Protect expensive family heirlooms and appliances with equipment breakdown, guaranteed refilling cost, or personal articles coverage
  • Add on extended surrogate cost or water backing coverage for an extra fee
  • File claims online — plus, Travelers has extra catastrophe centers for claims after a natural disaster

Cons

  • Rates are 24 % higher than the national average — roughly $ 1,554 per class
  • Subpar customer overhaul and claims satisfaction ratings from J.D. might
  • not available countrywide

Read our full Travelers reappraisal Get quotes

Why Travelers is best for green homes

Travelers ’ green home coverage accessory gives you extra protective covering to repair, replace, or rebuild your sign of the zodiac with indicate green materials after a cover passing. And if you ’ re looking to reduce your carbon footprint before filing a claim, Travelers besides offers a green home dismiss of up to 5 % on your premiums if your home has a Leadership in Energy and Environmental Design ( LEED ) documentation .

State availability

available in 42 states except Alaska, Hawaii, Louisiana, Missouri, North Dakota, South Dakota, West Virginia, and Wyoming

How to get a quote

Online through Policygenius or Travelers

Best for military families : USAA

USAA

4.3 Policygenius evaluation How we score : Policygenius ’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including price, fiscal ratings, choice of customer service, and other product-specific features .USAA  logo USAA is a solid choice for military families looking for both homeowners insurance and a newfangled home security arrangement — its partnership with ADT means you ’ ll keep open on both. But watch out for higher-than-average premiums. Pros

  • score discounts for zero claims, being a patriotic USAA member, opting into e-billing, and more
  • Offers earthquake coverage — which is hard to come by
  • Get discounted home security systems and a discount on premiums through its partnership with ADT

Cons

  • Rates are 69 % higher than the national average — approximately $ 2,112 per year
  • Doesn ’ triiodothyronine offer extended or guaranteed successor monetary value harp coverage
  • only available to military families

Read our full USAA review Get quotes

Why USAA is best for military families

USAA stands out for offering coverage entirely to current members of the military, veterans, and their families. It ’ s systematically rated at the top of its class for claims satisfaction and customer service. And if home security system is significant to you, it offers discounted home security systems adenine well as bounty discounts thanks to its partnership with ADT. Another fringe benefit ? If your uniform is damaged or stolen and you ’ re on active duty or deployed, USAA will cover the price without you having to pay a deductible .

State availability

All 50 states and Washington, D.C .

How to get a quote

Online through Policygenius or USAA

Compare home insurance companies

Our top picks aren ’ t the alone game in town. here ’ s our arrant list of the acme home insurance companies of 2022. Each company ’ s Policygenius fink takes into consideration its fiscal stability, home plate insurance rates, consumer confidence, customer satisfaction ratings, and coverage options .

party Policygenius rate median annual rate
Openly 3.3 out of 5 stars $1,125
Plymouth Rock 4 out of 5 stars $1,165
Homesite 3.3 out of 5 stars $1,183
Acuity 4 out of 5 stars $1,260
Swyfft 3.8 out of 5 stars $1,296
Farmers 3.7 out of 5 stars $1,476
Hippo 4 out of 5 stars $1,499
State Farm 4 out of 5 stars $1,500
Travelers 3.8 out of 5 stars $1,554
Stillwater 3.8 out of 5 stars $1,589
Allstate 3.9 out of 5 stars $1,680
Safeco 3.6 out of 5 stars $1,683
Progressive 3.4 out of 5 stars $1,706
Nationwide 3.8 out of 5 stars $1,736
GEICO 3.2 out of 5 stars $1,740
Tower Hill 3.7 out of 5 stars $1,787
State Auto 3.7 out of 5 stars $1,803
Velocity N/A $1,850
Erie 3.4 out of 5 stars $1,908
Mercury 3.6 out of 5 stars $1,925
Amica 4.2 out of 5 stars $2,004
USAA 4.3 out of 5 stars $2,112
Encompass 4.1 out of 5 stars $2,420
MetLife 3.2 out of 5 stars $2,467
AIG 3.5 out of 5 stars $3,564
Chubb 4 out of 5 stars $5,556
Foremost 4.2 out of 5 stars N/A
Liberty Mutual 3.8 out of 5 stars N/A

→ Check out our fully list of homeowners insurance company reviews

How to find the best home insurance company for you

not all home insurance companies are created equal. Follow these steps to compare your options and find a policy that ’ s a perfective paroxysm for your coverage needs at the best home policy rates .

1. Decide what’s most important to you.

Are you most concerned with broken premiums ? extensive coverage ? Ease of filing claims ? Figuring out what ’ s most significant to you first will help you find a company that best meets your needs. For exercise, if you hate talking on the telephone, finding a company that lets you apply, pay your premiums, and file claims all online or through a mobile app would be life-changing. alternatively, if you ’ re good looking for the most basic coverage at the lowest price, then you likely won ’ thymine want to go with a company like AIG or Chubb that offers more extensive coverage at higher rates .

2. Nail down how much coverage you need.

Standard home indemnity policies cover your home, other structures like a shed and fences, belongings, life expenses if you ’ ra forced to live elsewhere, and checkup and legal bills if you ’ rhenium sued or person ’ sulfur injured on your property. But the sum of coverage you need depends on how much it will cost to rebuild your home — and whether construction and material prices stay the same. Most companies besides require you to add on excess endorsements if you want coverage for flood, earthquake, wildfire, crack, or hurricane damage. You can besides increase coverage if you have a distribute of high-value belongings like antique cars, rare artwork, and lots of expensive jewelry. Or if you work from home and have a bunch of costly technical school equipment, you might want to consider extra coverage for your home plate commercial enterprise. Knowing what types of coverage you ’ ll need can help you weed out insurers that don ’ metric ton fit the bill .

3. Compare home plate policy quotes from a few companies .

You know what you care about in a company and how much coverage you need. now it ’ randomness time to shop around. We recommend comparing quotes from at least three different companies to help you find the cheapest policy you qualify for. Our indemnity experts at Policygenius can do all of the work for you — you simply need to enter some basic information about yourself and your base to get on-line quotes in just minutes. When comparing costs, keep in heed that the average homeowner pays approximately $ 1,249 per year or $ 104 per month on home indemnity. But how much you pay will vary since no two houses and homeowners are the lapp. ultimately, rates will vary based on coverage levels, your deductible, discounts you qualify for, and how the policy party determines your hazard. Keep in thinker that the premium you ’ rhenium quoted is merely an estimate and might change after your home is inspected, your credit is checked, and you complete the wax application work .

4. Check customer service and complaint ratings for each company .

once you have your quotes, check the customer service and complaints ratings for each company. You can do this by reading our detailed reviews of popular home plate policy companies. In these, you ’ ll find each company ’ s J.D. Power rating, which is based on feedback from customer gratification surveys of over 10,000 homeowners and renters per annum. [ 2 ] Another adept topographic point to check customer sentiment is by looking at the National Association of Insurance Commissioners complaint index for home indemnity companies. It lists out how many complaints were filed for each insurance company, the reasons for the complaints, and whether there were more complaints than expected for an policy company of its size .

5. Read up on the claims filing process .

Can you file claims online or through a mobile app ? Or do you have to call to speak with a representative ? If you prefer one or the early, make certain you read up on the filing process to find a company that works for you. If you live in an area prone to severe weather, we besides recommend asking if the insurance company sets up special claim calamity hotlines to deal with the inflow in claims after a natural disaster. This can help with wait times and getting your call filed — and paid out — fast .

6. Scope out discounts or opportunities to save .

Dig into what discounts are available through each of the companies you received quotes from to maximize your savings. You might be able to score a discount rate for bundling your home and car policies, buying a modern home, going years with no claims, paying your premiums in full for the year, installing safety devices through your home, and more. No one party offers all of the lapp discount opportunities, so do your research to find the one that helps you score the best home policy rates for your coverage needs. Feel overwhelmed ? Have no mind how much coverage you need ? Do. not. stress. Our team of adept agents at Policygenius will walk you through this entire march — helping you nail down the best coverage limits, discounts, and more. And they ’ ll retain to help when it comes fourth dimension to file a claim or renew your policy .

Frequently asked questions

What does homeowners insurance cover?

Most standard homeowners indemnity policies cover to repair or replace your home and personal belongings that are damaged ascribable to fire, vandalism, lightning, wreathe, or hail. however, you ’ ll necessitate separate indemnity policies for wrong due to earthquakes or flooding caused by heavy rain, hurricanes, or tornadoes .

What company has the best homeowners insurance?

It all depends on your unique needs. In cosmopolitan, the best home plate policy policy for you should be low-cost, cover the right come for your home and possessions, and match your circumstances, whether you ’ re a first-time homebuyer or live in a bad calamity area. Comparing quotes from several companies side by side can help you find the best meet for you .

What company is best for bundling home and auto insurance?

Encompass topped our list of the best policy ship’s company for bundling home and car thanks to its hefty 35 % discount. Check out our list of bundling discounts by insurance company for a thick honkytonk into how much you stand to save .

What company has the cheapest homeowners insurance?

Acuity won our class for cheap homeowners indemnity thanks to its modal annual premium of $ 1,257. however, the cheapest party for you will depend on factors like your deductible, coverage sum, add-ons, discounts you qualify for, and more .

What insurance company is best for high-value homes?

Chubb and AIG top our number of the best homeowners insurance companies for high-value homes thanks to their robust coverage packages that offer extra protective covering for high-value homes with expensive place .

Methodology: How we evaluated the best homeowners insurance companies

The insurance experts at Policygenius analyzed data from Policygenius quotes, the National Association of Insurance Commissioners, AM Best, S & P, and third-party review sites across about 30 insurance carriers to compile our list of the best homeowners policy companies. We focused on data across five key areas and weighted each category to correspond with the importance homeowners place on each when choosing a policy :

  • Rates ( 30 % )
  • Customer have ( 25 % )
  • policy options ( 25 % )
  • Third-party reviews ( 10 % )
  • fiscal confidence ( 10 % )

Rates (30%)

We analyzed actual quotes from Policygenius homeowners insurance sales agents across all 50 states to determine the average rate for customers across unlike carriers. We then scored each company based on the be 10-point scale :

  • 125 % above average rates : 1
  • 100 % above median rates : 2
  • 75 % above median rates : 3
  • 50 % above average rates : 4
  • 25 % above modal rates : 5
  • 10 % above median rates : 6
  • average rates : 7
  • 10 % below average rates : 8
  • 15 % below average rates : 9
  • 20 % below average rates : 10

We put the highest weight on this class since customer research showed this is the most important factor they look at when choosing a policy .

Customer experience (25%)

To determine a caller ’ randomness score for customer experience, we gave each party 1 charge for every choice available — maxing out at 10 points :

  • Online application
  • Online bill pay
  • Online quotation tool
  • Online calculator
  • on-line forms
  • Online claims filing
  • on-line policy management
  • electronic policy delivery
  • Mobile app
  • Clarity of policy offerings
  • FAQs, web log, or online educational resources

We besides considered what types of customer overhaul options were available. Every caller received 2 points for every option available from this list :

  • hot chat
  • electronic mail
  • phone
  • 24/7 customer service
  • fiscal adviser or broker aid

Policy options (25%)

The majority of homeowners policy companies offer coverage options across six main areas :

  • Dwelling
  • other structures
  • personal property
  • extra be expenses
  • personal liability
  • checkup payments

We gave each company 5 points for offering all six of the above coverage options. Any extra coverage options offered earned the company 1 extra indicate for each .

Third-party reviews (10%)

To rank companies based on third-party reviews, we dug into the NAIC consumer complaint index and determined scores based on the following 7-point scale :

  • not adequate complaints to count : 0
  • 300 % above average number of complaints : 1
  • 250 % above average act of complaints : 2
  • 150 % above average count of complaints : 3
  • average total of complaints : 5
  • Below average issue of complaints : 6
  • No complaints at all : 7

We besides looked at customer atonement scores from third-party recapitulation sites including Consumer Affairs, Consumer Advocate, and Trustpilot. We multiplied the Consumer Affairs and Consumer Advocate scores by 2 since they ’ re primitively based on a 5-point rating scale. We left Trustpilot scores as is since they ’ re based on a 10-point military rank scale. We weighted the NAIC consumer complaint index score more heavily since this data is more reliable than those other third-party review sites .

Financial confidence (10%)

We looked at fiscal military capability ratings available through AM Best, Moody ’ randomness, and S & P to determine the fiscal constancy of each company and how likely they are to have the money to pay out claims.

Insurers with the highest potential rat for each earned 10 points. A fink any lower than that decreased by 0.5 points based on the company ’ s own rate scale. once we determined each party ’ second Policygenius score, our team of policy experts analyzed the list to choose the best options for first-time homebuyers, green or tech-friendly homes, brassy rates, and more. Policygenius prides itself on providing transparent, unbiased reviews of home insurance companies. Though we make money when you purchase a policy through our site, this does not affect our editorial independence and rigorous editorial standards. 

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