Best Homeowners Insurance Companies of 2026
Amica has the best homeowners insurance because of its great customer service, cheap rates and excellent coverage options.
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10 best home insurance companies
Best homeowners insurance for most people: Amica
| Editor rating | |
| Annual cost | $1,521 |
| Monthly cost | $127 |
| Online quotes |
Pros & cons
Why Amica is great
Potential issues
Ratings
Exceptional customer service
Low rates and lots of discounts
Option to get cash back
Cons
Not as many coverage options
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Data-powered research on the best home insurance companies
Best regional home insurance company: NJM
| Editor's rating | |
| Annual cost | $942 |
| Monthly cost | $79 |
| Online quotes |
Pros & cons
Why NJM is great
Potential issues
Ratings
Very few customer complaints
Extremely low rates
Helpful coverage add-ons
Cons
Only available in 5 states
No app to help manage your policy
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Most comprehensive home insurance policy: Erie
| Editor's rating | |
| Annual cost | $1,979 |
| Monthly cost | $165 |
| Online quotes |
Pros & cons
Why Erie is great
Potential issues
Ratings
Top-notch customer service
Low rates
Policies include extra coverage
Cons
Only available in 12 states and D.C.
Can't buy a policy or file a claim online
Best online home insurance tools: State Farm
| Editor's rating | |
| Annual cost | $1,514 |
| Monthly cost | $126 |
| Online quotes |
Pros & cons
Why State Farm is great
Potential issues
Ratings
Highly rated mobile app
One of the cheapest companies
Great for bundling since it also has cheap car insurance
Cons
Policies not available in California or other places it thinks are risky
Mixed customer service reviews
A basic set of coverage add-ons
Best high-value home insurance company: Chubb
| Editor's rating | |
| Cost | $248/mo ($500,000 home)
$454/mo ($1 million home) |
| Online quotes |
Pros & cons
Why Chubb is great
Potential issues
Ratings
Great coverage for expensive homes
High liability limits
Personalized customer service
Cons
May not offer coverage for moderately priced homes
Best home insurance company for coverage add-ons: Auto-Owners
| Editor's rating | |
| Annual cost | $2,167 |
| Monthly cost | $181 |
| Online quotes |
Pros & cons
Why Auto-Owners is great
Potential issues
Ratings
Lots of ways to customize your policy
Many discounts to lower your costs
Cons
Can be expensive in some states
Average customer service
Top homeowners insurance for helpful local agents: Farm Bureau
| Editor's rating | |
| Annual cost | $2,641 |
| Monthly cost | $220 |
| Online quotes |
Pros & cons
Why Farm Bureau is great
Potential issues
Ratings
Personalized service from local agents
Cons
Expensive rates
Few coverage add-ons
Best property insurance for green repairs: Allstate
| Editor's rating | |
| Annual cost | $2,064 |
| Monthly cost | $172 |
| Online quotes |
Pros & cons
Why Allstate is great
Potential issues
Ratings
Pays for energy-efficient improvements after damage
Affordable rates
Unique coverage options
Cons
Average customer service
No longer offering policies in California and other high-risk areas
Best home insurance for renovations: American Family
| Editor's rating | |
| Annual cost | $2,337 |
| Monthly cost | $195 |
| Online quotes |
Pros & cons
Why American Family is great
Potential issues
Ratings
Coverage and discounts for renos
Lots of unique coverages and discounts
Deductible goes down if you avoid claims
Cons
Expensive if you don't qualify for discounts
Mixed ratings on customer service
Best house insurance for military families: USAA
| Editor's rating | |
| Annual cost | $2,325 |
| Monthly cost | $194 |
| Online quotes |
Pros & cons
Why USAA is great
Potential issues
Ratings
Excellent customer service
Military-specific benefits
Automatically includes extra coverage
Cons
Only available to active duty military, veterans and their families
Rates aren't the cheapest
Top 10 homeowners insurance companies
Amica, NJM, Erie and USAA are the best insurance companies. All four companies offer a great combination of reliable customer service, affordable rates and helpful coverage.
Highest-rated insurance companies
Company | Editor's rating | Affordability | Service | Policy extras |
|---|---|---|---|---|
| NJM | ||||
| State Farm | ||||
| Erie | ||||
| USAA* | ||||
| Farm Bureau |
*USAA is only available to active-duty military members, veterans and their families.
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Top-rated home insurance companies by state
State Farm has the best home insurance for most people in 26 states.
In many places, mid-sized insurance companies offer better customer service and more affordable rates than large national companies. So it's worth considering smaller insurance companies, even if you haven't heard of them before. Just make sure to research a company's customer service reputation before buying a policy.
Best annual homeowners insurance rates by state
State |
Avg. rate
| Best company | |
|---|---|---|---|
| Alabama | $2,717 | State Farm | $2,511 |
| Alaska | $1,374 | Umialik | $1,029 |
| Arizona | $1,993 | State Farm | $1,129 |
| Arkansas | $3,235 | State Farm | $2,270 |
| California | $1,624 | AAA SoCal | $1,048 |
USAA is often the best-rated company. However, it's not included in this table because it is only available to military members, veterans and their families.
How to find the best home insurance for you
Tips for choosing the best home insurance coverage
Finding an affordable policy from a well-rated company is only part of shopping for the best home insurance. You also need to make sure that your policy has enough coverage to fully protect your home and belongings if they're destroyed by a major disaster, like a serious house fire.
To get the best home insurance coverage, you should:
Get guaranteed replacement coverage, if you can afford it. This coverage typically pays 20% to 25% extra to rebuild your home exactly as it was before it was destroyed.
While many insurance companies call this "guaranteed replacement cost", it's not an actual guarantee. If your home isn't insured for the correct amount, you could still fall short on your rebuild costs.
Get a rebuild estimate from a contractor rather than relying on your insurance company's estimate. A contractor estimate will do a better job of calculating material and labor costs where you live, along with the finishes specific to your home.
When you're getting a quote online, most insurance companies ask you a few questions about your home, then generate a rebuild estimate. However, these estimates can be very inaccurate.
California homeowners recently filed lawsuits against USAA and AAA because the company's estimates of their home's rebuild value were so inaccurate.
After the 2025 LA wildfires destroyed their homes, they found that their insurance policies only covered a portion of the cost to rebuild their homes. Many have been unable to rebuild after being told they would have to spend hundreds of thousands of dollars out of pocket.
Choose a company that covers the risks in your area.
There's no such thing as a fully comprehensive home insurance policy. Every policy excludes certain types of damage, such as flooding caused by heavy rain. However, some companies offer add-ons or separate policies that offer more protection.
For example, if you live in an area with frequent wildfires, insurance companies may not include fire coverage in your home insurance policy. However, you may be able to find a company that will protect your home from fires, or buy a separate fire insurance policy from your existing company.
Create a home inventory to help pick your personal property coverage limit. Most policies automatically estimate your personal property value at 50% to 70% of your dwelling insurance limit. But this may not be enough coverage if you have new or expensive items.
Additionally, most policies limit your coverage for valuable items, such as jewelry, sports equipment, artwork or firearms. If you have any of these items, you can typically add them to your policy as what's called scheduled personal property.
Take advantage of useful coverage add-ons. Most companies offer ways to increase your protection for an additional fee.
For example, you might be able to add inflation protection to your policy. This automatically raises your coverage limits each year, which can help ensure you have enough protection if material and labor costs rise.
Choose the best home insurance
When shopping for homeowners insurance, it's important to consider the amount of coverage you need and the reputation of each insurance company before comparing insurance quotes.
1. Decide how much home insurance coverage you need
All home insurance policies have four core coverages, in addition to extras like water backup coverage and identity theft protection.
Dwelling coverage pays for damage to the structure of your home that's caused by fire, wind, lightning strikes or other sources covered by your policy. That includes damage to your walls, roof, siding, foundation and other parts that are attached to your home.
For example, repairs to your roof after a hailstorm would be paid for by your home insurance policy's dwelling coverage.
- Your dwelling coverage limit should fully cover the cost to rebuild your home, which is called the replacement cost. This means you'll be getting the right amount of insurance for your house, without being underinsured.
- Dwelling coverage can be either actual cash value or replacement cost. Actual cash value coverage is cheaper, but you'll get less from the insurance company because it considers aging, such as the value of a 20-year-old furnace. The best home insurance is a policy that covers replacement costs so you can avoid extra costs if you make a claim.
Personal property coverage protects your furniture, appliances, televisions, clothes and other belongings, except for vehicles.
- The amount of coverage is usually a percentage of your dwelling coverage, such as 20% or 50% of the cost to rebuild your home. For example, if your home's structure is insured for $200,000, your personal property would be covered for $40,000 to $100,000. Typically, insurance companies use a standard percentage for dwelling coverage.
- High-value items like jewelry often have specific caps. So if you have expensive items such as collectibles, technology or luxury goods, check if the policy's limits are high enough or if you need to add extra coverage.
Liability coverage protects you in situations with other people such as if someone is injured on your property or you cause damage to someone else's property.
- Liability coverage pays for your legal fees and damages, up to policy limits. A homeowners insurance policy's liability limits typically range from $100,000 to $300,000. But it's cheap to buy extra liability coverage.
- Get a policy with liability limits that are at least as high as your net worth, ideally higher. That will help you avoid a financial loss if someone sues you. Also consider any potential risks, such as if someone is likely to get hurt on your property. For example, if a child could get hurt at your swimming pool, you may want to have high liability limits in case there's an accident.
Additional living expenses coverage helps you pay for extra costs if you can't live in your home after a covered event, such as a house fire.
- This only pays for the costs that are on top of your normal living expenses if your home is badly damaged. For example, you may need a rental home or hotel, and you may have extra costs for food if your temporary space doesn't have a kitchen.
- The coverage protects you in a worst-case scenario so that you can avoid using your savings to pay for your extra costs while your home is being repaired.
2. Consider how important good customer service is to you
The best home insurance companies have great customer service. But you'll sometimes need to pay extra to get a policy from one of these top companies.
You'll likely be dealing with your insurance companies when something catastrophic has happened and disrupted your life. Helpful customer service agents make it easier to get back to normal.
Companies with the best customer service stand out for how helpful they are during stressful situations. The best companies:
- Are easy to deal with
- Answer your questions quickly
- Makes the claims process simple
- Sends payments quickly
Some top home insurance companies go above and beyond by helping to connect you with contractors to make the repairs or being compassionate when talking on the phone.
If you're concerned about an insurance company that has mixed or below-average ratings, look at multiple rating sources, such as the National Association of Insurance Commissioners (NAIC) and online reviews.
Also consider asking friends and neighbors about their homeowners insurance companies. Those who live near you often have the same insurance risks as you — such as weather or crime. They might have recommendations for good home insurance companies in your area.
3. Get quotes from the top home insurance companies
Compare multiple quotes to find the best home insurance rates, customer service and coverage options.
Comparing home insurance quotes is the last part of choosing a policy, and one of the most important parts. Home insurance rates can vary widely based on where you live and your personal details such as credit score and claims history.
- Even if a home insurance company tends to be expensive, it may offer you cheap rates. The opposite is also true. Cheap home insurance companies aren't cheap for everyone.
- Once you have home insurance quotes to know how much you'll pay, you can see which company has the best customer service you can get for a rate that's still affordable.
Frequently asked questions
What are the top five best home insurance companies?
Amica, NJM, Erie, State Farm and USAA are the top home insurance companies in the country. For most people, Amica is the best home insurance company because it's highly rated, widely available and affordable.
Which homeowners insurance company has the best customer satisfaction?
Amica and USAA are the home insurance companies with the highest customer satisfaction ratings. Amica is better for most people because you can only get USAA if you're connected to the military. Both companies have top scores for how they handle claims, and they both get much fewer complaints than average.
What is the best insurance company for bundling home and car insurance?
State Farm and Allstate are the best companies for bundling home and auto insurance. State Farm's low rates for both home and car insurance mean that its bundles are very cheap. Allstate has the biggest potential savings, but it tends to have expensive car insurance, so its bundle might not be as cheap as State Farm's.
Methodology and sources
To find the best homeowners insurance companies, we compared the largest home insurance companies based on rates, reviews, ratings and financial strength.
- Reviews and ratings: Customer reviews and ratings give insight into what can be expected of a company’s claims process. You’ll want to select an insurance company that is highly reviewed and rated in order to ensure a smooth experience should you ever need to file a claim.
- Financial strength: A home insurance company is only as good as its ability to meet its customers’ claims. A company with great financial strength won’t have any problems paying out claims, whether a claim is for $100,000 or $500,000. On the other hand, a poor financial strength rating suggests that the insurance company might struggle to pay a customer’s claims, especially if there is a disaster where many homes are damaged.
- Rates: Home insurance rates depend on several factors, including the location of the home being insured and your previous claim history. Because of the range of the prices for home insurance, the analysis of the best companies focused on insurance companies that consistently offer low rates.
The cost of home insurance is based on rates for every residential ZIP code in the United States, from the largest homeowners insurance companies in every state. Unless otherwise noted, rates are based on a policy with $350,000 in dwelling coverage.
Coverage | Amount |
|---|---|
| Dwelling | $350,000 |
| Personal liability | $100,000 |
| Medical payments | $5,000 |
| Deductible | $1,000 |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes will likely be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
