01
U
USAA Homeowners Insurance
Exclusively available to military members and families — USAA consistently earns the highest customer satisfaction scores in the industry for home, auto, and life insurance products.
▲ Rising·Score +21
Home Insurance
Best Home Insurance Companies for Homeowners
Home insurance protects your largest asset. These top-rated homeowners insurance companies offer strong coverage, fast claims handling, competitive rates, and financial stability when you need it most.
Pick your favorites · Every vote moves the ranking · Results update live
02
E
Erie Insurance Home Coverage
A regional insurer with outstanding J.D. Power scores offering guaranteed replacement cost coverage and a unique 'Guaranteed Replacement Cost' clause that rebuilds even if costs exceed policy limits.
▲ Steady·Score +17
03
C
Chubb Homeowners Insurance
The premium option for high-value homes — Chubb's Extended Replacement Cost coverage, cash settlement option, and risk management services set the standard for luxury home insurance.
▲ Steady·Score +16
04
T
Travelers Home Insurance
Solid coverage at competitive rates with strong customer service — Travelers offers valuable add-ons including green home coverage, jewelry blanket coverage, and valuable items floater policies.
▲ Steady·Score +15
05
H
How to Lower Your Home Insurance Premium
Bundling home and auto saves 5–15%; raising your deductible from $500 to $2,500 can cut premiums 20%; installing monitored security systems and impact-resistant roofing earns significant discounts.
▲ Steady·Score +13
06
A
Amica Mutual Insurance
Consistently ranked #1 in J.D. Power homeowners insurance satisfaction — Amica's dividend policies return a portion of premiums to customers and their claims handling reputation is industry-leading.
▲ Steady·Score +11
07
W
What Homeowners Insurance Covers
Standard HO-3 policies cover dwelling structure, personal property, liability, and additional living expenses. Floods and earthquakes are NOT covered — separate policies are required for these major risks.
▲ Steady·Score +11
08
L
Lemonade Home Insurance
The AI-powered insurtech startup processes some claims in seconds via mobile app. Transparent flat-fee model donates unclaimed premiums to charity — disruptive pricing for newer, lower-value homes.
▲ Steady·Score +8
09
N
Nationwide Private Client
Nationwide's premium tier provides blanket jewelry and fine art coverage, brand new replacement for appliances, and a dedicated personal insurance manager for high-net-worth homeowners.
▲ Steady·Score +8
10
A
Allstate Home Insurance
Comprehensive standard coverage with add-ons for water backup, identity theft, and musical instruments. Their digital claims filing app and large local agent network offer flexible service options.
▲ Steady·Score +6
11
H
Hippo Smart Home Insurance
A modern home insurance startup offering proactive monitoring through smart home sensors to prevent claims before they happen. Includes a smart home device kit with policies.
▲ Steady·Score +6
12
S
State Farm Home Insurance
America's largest home insurer with the most extensive agent network. Known for financial stability, comprehensive coverage options, and bundling discounts with auto insurance.
▲ Steady·Score +5
Predict the rank
“USAA Homeowners Insurance”
Currently ranked #1. Where will it be in 7 days?