Best Homeowners Insurance
Top-rated home insurance companies — compare coverage, premiums, claims satisfaction, and bundling discounts.
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| Product | Pricing | Best For | Key Feature | Rating | Actions |
|---|---|---|---|---|---|
USAA USAA Homeowners Insurance Editor's Choice | From ~$125/mo | Military members, veterans, and families | Military | 4.7 | |
Chubb Chubb Masterpiece® Homeowners Insurance | Premium tier pricing | High-net-worth homeowners with properties valued a | Protective devices | 4.7 | |
Amica Mutual Amica Mutual Homeowners Insurance | From ~$150/mo | Homeowners who value top claims satisfaction | Dividend payback | 4.6 | |
Auto-Owners Insurance Auto-Owners Homeowners Insurance | From ~$117/mo | Homeowners in 26 states who want low rates + excep | Multi-policy | 4.5 | |
Erie Insurance Erie Insurance Homeowners | From ~$107/mo | Homeowners in Mid-Atlantic and Midwest states | Multi-policy | 4.5 | |
Travelers Travelers Homeowners Insurance | From ~$167/mo | Owners of high-value or older homes who need guara | Multi-policy | 4.4 | |
Openly Openly Homeowners Insurance | Agent-placed premium policy | Homeowners with properties $400K–$5M working with | Claims-free | 4.4 | |
Lemonade Lemonade Homeowners Insurance | From $25/mo | Tech-savvy homeowners who want fast, app-based ser | Bundling | 4.4 | |
Cincinnati Financial Cincinnati Financial Homeowners Insurance | From ~$148/mo | Midwest and East Coast homeowners who want reliabl | Claims-free | 4.3 | |
State Farm State Farm Homeowners Insurance | From ~$152/mo | Homeowners who want local agent support + bundling | Multi-policy up to 20% | 4.3 | |
Kin Insurance Kin Homeowners Insurance | Instant online quotes | Homeowners in FL, TX, LA, CA who struggle to find | Hurricane mitigation | 4.3 | |
American Family Insurance American Family Homeowners Insurance | From ~$158/mo | Midwest homeowners seeking guaranteed rebuild cove | Smart home device | 4.2 | |
Allstate Allstate Homeowners Insurance | From ~$147/mo | Homeowners who want many ways to lower their premi | Claim RateGuard | 4.2 | |
Hippo Insurance Hippo Homeowners Insurance | Quotes in 4 min | Tech-savvy homeowners with smart devices and elect | Smart home sensors | 4.1 | |
Nationwide Nationwide Homeowners Insurance | From ~$146/mo | Homeowners who want unique coverage perks and add- | Home renovation | 4.0 | |
Farmers Insurance Farmers Homeowners Insurance | From ~$192/mo | Homeowners who value local agent relationships and | Declining deductible | 4.0 | |
Hanover Insurance Hanover Insurance Homeowners | From ~$155/mo | Owners of older, historical, or architecturally un | Claims-free | 4.0 | |
GEICO GEICO Homeowners Insurance | From ~$146/mo | Existing GEICO auto customers seeking bundle savin | Auto bundle 15% | 3.9 | |
Liberty Mutual Liberty Mutual Homeowners Insurance | From ~$165/mo | Homeowners who want to build a fully custom policy | New home purchase | 3.9 | |
Progressive Progressive Homeowners Insurance | From ~$159/mo | Progressive auto customers who want to bundle for | Auto bundle up to 20% | 3.8 | |
Toggle Insurance Toggle Homeowners Insurance | From ~$90/mo | Homeowners who want flexible month-to-month covera | Annual pay | 3.8 |