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6 Best Home Insurance Companies of September 2024
Chubb, NJM and Country Financial earned the highest ratings in NerdWallet's analysis. Compare top-rated companies now.
Sarah Schlichter Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Caitlin Constantine Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
The best home insurance companies at a glance
We evaluated dozens of homeowners insurance companies to find the best ones. These are the six companies that received a perfect 5-star score based on their coverage options, discounts, online experience, financial strength and consumer complaints.
The best homeowners insurance companies of September 2024
Below are the companies that earned a perfect 5-star rating under NerdWallet’s scoring system. Learn more about our top home insurance companies by reading the brief summaries below and checking out our comprehensive reviews.
Note that if you live in a high-risk state, home insurance may be harder to find these days. Our guides to home insurance in Florida, Texas and California include star ratings, sample rates and other information to help you find the best home insurance available in your state.
Amica: Best homeowners insurance for customer satisfaction
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Platinum Choice package offers extra coverage.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Not available in Alaska or Hawaii.
Has an approved contractor program to help with claims.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Platinum Choice package offers extra coverage.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Not available in Alaska or Hawaii.
Has an approved contractor program to help with claims.
Pros
High customer satisfaction ratings and low consumer complaints.
Platinum Choice package offers extra coverage.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Not available in Alaska or Hawaii.
Choose Amica home insurance if...
You’re looking for a company that values customer service and offers upgraded coverage.
Amica home insurance shines when it comes to customer service. The company draws far fewer complaints than expected for an insurer of its size, according to the National Association of Insurance Commissioners. And it’s perennially near the top of J.D. Power’s annual customer satisfaction studies.
It’s no slouch when it comes to coverage, either. You can upgrade to Amica's Platinum Choice package for perks like extended dwelling coverage, higher liability limits and coverage for damage due to backed-up drains or overflowing sump pumps.
Another way Amica makes policyholders’ lives easier: Its Contractor Connection program can pair you with licensed and insured contractors after a claim.
State availability
Washington, D.C., and every state except Alaska and Hawaii.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer consumer complaints than expected.
Includes more generous dwelling and personal property coverage than most insurers.
Many additional coverage options to choose from.
Cons
No online quotes.
Not available in most states.
Includes coverage that costs extra from most other companies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Superior coverage sold through independent agents in select states.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer consumer complaints than expected.
Includes more generous dwelling and personal property coverage than most insurers.
Many additional coverage options to choose from.
Cons
No online quotes.
Not available in most states.
Includes coverage that costs extra from most other companies.
Pros
Far fewer consumer complaints than expected.
Includes more generous dwelling and personal property coverage than most insurers.
Many additional coverage options to choose from.
Cons
No online quotes.
Not available in most states.
Why it's the best
Andover Companies stands out for its generous coverage. Most homeowners are eligible for automatic guaranteed replacement coverage on the structure of their home. That means the company will pay what it takes to rebuild the house if it’s destroyed by a covered disaster, even if your coverage limit isn’t high enough. Many insurers don’t offer this type of coverage at all, and few include it with a standard policy.
Andover also offers replacement cost coverage on your personal belongings, which ensures you’ll get more for stolen or destroyed items than you would if you had actual cash value coverage.
Andover’s coverage comes with strong customer service, too. It draws far fewer consumer complaints than expected for a company of its size, according to the NAIC.
State availability
Connecticut, Illinois, Maine, Massachusetts, New Hampshire, New Jersey, New York and Rhode Island.
Choose Andover Companies home insurance if...
You live within its service area and value the peace of mind that comes with having plenty of coverage.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies offer only as extras.
Large number of potential discounts.
Cons
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Top-of-the-line coverage options for well-to-do homeowners.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies offer only as extras.
Large number of potential discounts.
Cons
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Top-of-the-line coverage options for well-to-do homeowners.
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Cons
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Why it's the best
Chubb targets owners of expensive homes, tailoring much of its experience toward well-to-do clients. For example, you can choose a personal liability limit up to $100 million — significantly higher than the maximum many other insurers offer. Chubb also includes perks like the HomeScan service, which helps uncover issues with your home that require attention before they can cause damage.
Chubb policies come with extended replacement cost coverage for your dwelling and replacement value for your belongings — two other unusual benefits for consumers. This means that if your home costs more than expected to rebuild after a covered disaster, Chubb will pay more than your selected dwelling limit to help cover the cost. It also means that you’ll receive enough of a payout to buy brand-new replacements for your damaged belongings, rather than getting only their depreciated value.
State availability
All states and Washington, D.C.
Choose Chubb home insurance if...
You have a high-value home and want insurance with lofty coverage to match.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer complaints than expected for a company of its size.
Many discounts and coverage options available.
Cons
Can get an online quote but must finish the purchase over the phone.
Not available in all states.
Offers solid coverage with useful add-ons and many ways to save.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for those who prefer to have a personal conversation with an agent when choosing coverage.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer complaints than expected for a company of its size.
Many discounts and coverage options available.
Cons
Can get an online quote but must finish the purchase over the phone.
Not available in all states.
Offers solid coverage with useful add-ons and many ways to save.
Pros
Far fewer complaints than expected for a company of its size.
Many discounts and coverage options available.
Cons
Can get an online quote but must finish the purchase over the phone.
Not available in all states.
Why it's the best
Although Country Financial may offer online quotes to some users, you’ll need to speak with a local representative to buy your policy. That’s ideal for homeowners with special coverage needs or those who appreciate having a personal relationship with an agent.
Those personal relationships may pay off when it comes to customer satisfaction. Country Financial sees far fewer complaints to regulators than expected for a company of its size, according to the NAIC.
Depending on which type of policy you choose, Country Financial may cover household mishaps, such as countertop burns or spilled paint. In most states, Country Financial offers the option to buy guaranteed replacement cost coverage. This coverage can pay the cost of standard new construction materials and labor if you need to rebuild your home, with no limits.
State availability
Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin.
Choose Country Financial home insurance if...
You prefer to speak with an agent about the coverage you need and the discounts you may be eligible for.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Includes coverage other companies charge extra for.
Far fewer consumer complaints than expected for a company of its size.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers strong coverage in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Includes coverage other companies charge extra for.
Far fewer consumer complaints than expected for a company of its size.
Many extra coverage options available.
Cons
No app to manage your policy.
Available in only five states.
Generous coverage included standard.
Pros
Includes coverage other companies charge extra for.
Far fewer consumer complaints than expected for a company of its size.
Many extra coverage options available.
Cons
No app to manage your policy.
Available in only five states.
Why it's the best
NJM’s homeowners policies are available in only five states, but they’re a great option if you live in one of them. That’s because NJM includes several types of coverage that often cost extra from other insurers.
For example, the company’s guaranteed replacement cost coverage will pay to rebuild your home if it’s destroyed, even if the damage exceeds your dwelling limit. NJM also includes water backup coverage with its policies, which can pay for damage from backed-up sewers or drains.
Those with NJM insurance tend to be satisfied. Complaints to state regulators about NJM’s homeowners insurance are far fewer than expected for a company of its size, according to the NAIC.
State availability
Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
Choose NJM homeowners insurance if...
You live in its service area and want a homeowners policy with some of the most comprehensive coverage available.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
Generous coverage at rates below the national average.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
Generous coverage at rates below the national average.
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
Why it's the best
USAA is open only to active military members, veterans and their families, and it tailors its policies to meet the needs of those consumers. For instance, it covers military uniforms without a deductible for those on active duty or deployed.
USAA also stands out by providing identity theft coverage in most states to help with expenses if you're the victim of identity fraud. It also covers your personal belongings on a replacement cost basis, paying the cost to replace items rather than providing only the depreciated value. Both of these offerings tend to cost extra from other insurers.
USAA has far fewer complaints to state regulators for home insurance than expected for a company of its size, according to the NAIC.
State availability
All states and Washington, D.C.
Choose USAA home insurance if...
You’re a veteran or active member of the military, and you value good coverage and service.
We combed through all of our 4.5-star companies to find the ones that took top honors on various aspects of our rating system, such as coverage and consumer complaints.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Rates generally below the national average.
Policies may include guaranteed replacement cost coverage.
Receives fewer complaints than expected for a company of its size.
Cons
No online quotes.
Not available in most states.
Provides guaranteed replacement cost coverage for the structure of your home.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Serves homeowners in a dozen states and Washington, D.C.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Rates generally below the national average.
Policies may include guaranteed replacement cost coverage.
Receives fewer complaints than expected for a company of its size.
Cons
No online quotes.
Not available in most states.
Provides guaranteed replacement cost coverage for the structure of your home.
Pros
Rates generally below the national average.
Policies may include guaranteed replacement cost coverage.
Receives fewer complaints than expected for a company of its size.
Cons
No online quotes.
Not available in most states.
Why it's the best
We like Erie because in many of the locations it covers, the company includes guaranteed replacement cost coverage in its standard policies. This means Erie will pay as much as necessary to rebuild your home if it’s destroyed, even if the amount is higher than your dwelling limit.
To further customize your policy, you can add options such as identity recovery, service line protection and water backup coverage. Discounts are available for bundling your homeowners insurance with another Erie policy or installing burglar or sprinkler systems.
Erie doesn’t offer as many online bells and whistles as some other insurers do. You’ll have to call an agent to get a quote, for instance, and you can’t file claims online. But if you prefer having a personal relationship with a local agent, the company might be a good fit.
State availability
Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and Washington, D.C.
Choose Erie home insurance if...
You live in its service area, want comprehensive coverage and don’t mind working with an agent to buy a policy or file claims.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Offers some coverage standard that other companies charge extra for.
Many discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Unavailable in a handful of states.
Many useful coverage choices and ways to save on your policy.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Offers some coverage standard that other companies charge extra for.
Many discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Unavailable in a handful of states.
Many useful coverage choices and ways to save on your policy.
Pros
Offers some coverage standard that other companies charge extra for.
Many discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Unavailable in a handful of states.
Why it's the best
Nationwide earns high marks for its digital experience. Policyholders can file and track claims online or by phone, and the company’s website has a large library of consumer-centric content.
If you’d prefer to manage your policy using an app, you can do that, too. The highly rated Nationwide app lets you get quotes, file claims and look up policy details.
Nationwide also stands out by offering ordinance or law insurance in its standard homeowners insurance policy. This means if you have a covered loss and need to update your home to meet current building codes, your insurance may cover the costs.
State availability
Washington, D.C., and all states except Alaska, Hawaii and Louisiana.
Choose Nationwide home insurance if...
You’re looking for an insurance company with a comprehensive online experience and solid coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies typically include guaranteed replacement cost coverage for your home's structure.
Broad coverage for personal belongings.
No restricted dog breeds.
Cons
No online quotes.
Not available in all states.
Will pay the full cost to rebuild your home after a covered disaster, up to $5 million.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Premium coverage for high-end homes with no dog breed restrictions.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies typically include guaranteed replacement cost coverage for your home's structure.
Broad coverage for personal belongings.
No restricted dog breeds.
Cons
No online quotes.
Not available in all states.
Will pay the full cost to rebuild your home after a covered disaster, up to $5 million.
Pros
Policies include guaranteed replacement cost for your home's structure.
Broad coverage for personal belongings.
No restricted dog breeds.
Cons
No online quotes.
Not available in all states.
Why it's the best
Of all the homeowners insurance companies we rated, Openly had the lowest number of complaints in relation to its size, according to the NAIC.
Openly sold its first policies in 2019 and aims to offer a fresh take on homeowners insurance. The company’s policies include guaranteed replacement cost in many states, which means Openly will pay whatever it takes to rebuild your home, up to $5 million. (This feature isn’t available from all insurers and typically costs extra.)
The standard Openly policy also provides “open-perils” coverage for your personal belongings, which covers more potential problems than most homeowners policies do. You can choose from several optional types of coverage for things like damage from backed-up water lines and the breakdown of major appliances.
Openly is currently available only through independent agents, with no option to get an online quote.
State availability
Alabama, Arizona, Connecticut, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Massachusetts, Mississippi, Missouri, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah and Wisconsin.
Choose Openly home insurance if...
You’re willing to work with an independent agent to get generous coverage for your home.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Cons
Advertises fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Cons
Advertises fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
Pros
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Cons
Fewer discounts than some other insurers.
Why it's the best
State Farm's homeowners policies generally include extended replacement coverage for your home’s structure — a useful perk that costs extra from some companies.
The company also offers other freebies that can help keep your home safe. In most states, you can get a smart device called Ting that plugs into an outlet and monitors your home’s electrical system. In select states, you may also be able to get a free ADT security system, along with a discounted rate on professional monitoring.
You can do a lot on the State Farm website, including getting a quote, filing and tracking claims, paying bills and signing up for autopay. The mobile app is similarly useful.
State availability
Washington, D.C., and all states except California, Massachusetts and Rhode Island.
States served:
Choose State Farm home insurance if...
You want the perks and financial security of having a policy from the nation’s largest home insurer.
How to find the best home insurance in five common scenarios
You’re a first-time home buyer
We get it. The homebuying process can be a whirlwind and getting a homeowners policy may feel like one more item to check off a seemingly endless to-do list. But it’s still worth understanding the basics to make sure you’re financially protected.
For a quick primer, check out the essential terms to understand in your homeowners policy. Then, consider setting a calendar reminder to call your insurer six months after closing. By that point, you’ll be settled in and have a bit more time to double-check that you’ve got all the coverage you need.
Is your region prone to hurricanes, wildfires, earthquakes or other disasters? If so, you might want to spend a little extra time researching your coverage options.
For example, most homeowners policies don't cover damage from floods and earthquakes, so you may need to purchase additional insurance. If you live along the coast, you may have a separate windstorm or hurricane deductible that’s higher than your standard deductible for other disasters. A local agent can help you assess your risks and make sure you’re fully covered.
If your furry pal bites a visitor or attacks someone at the dog park, the liability section of your home insurance policy may be able to help with resulting legal or medical expenses. But don’t just assume you’re covered.
Some insurance companies exclude certain breeds such as pit bulls or Rottweilers, while others won’t cover animal liability claims unless you add extra coverage to your policy. Check with your insurance company or agent to make sure your canine companion is properly covered.
If you have expensive belongings, such as an antique diamond ring or a high-end guitar, check whether your homeowners policy offers enough coverage for them. Many valuable items are insured for theft only up to certain sublimits, such as $1,500.
If that’s not enough, you can typically buy extra coverage for individual items or collections. You may need to have a professional appraisal of each item.
Say the wiring in your century-old Victorian isn’t up to modern safety standards, or the house has unique architectural features that would be expensive to rebuild. These and other factors could make it tough to find affordable insurance for an older home. You might even need to make upgrades before you’re approved for coverage.
An experienced agent can help you weigh your options. For instance, you may want to add ordinance or law coverage to your policy to pay expenses associated with bringing your house up to current building codes during repairs.
How to compare home insurance companies
1. Decide how much coverage you need. Finding the best homeowners insurance company for you starts with making sure you’re shopping for the right coverage. A standard policy covers your house and other structures, but the amount of coverage you need depends on how much it would cost to rebuild your home.
You’ll also have several options to consider, including the amount of your homeowners insurance deductible (the amount you pay out of pocket in the event of a claim) and whether you need extra insurance for valuable items. You might also 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 depreciated value. Check out How Much Home Insurance Do You Need? to learn more.
By figuring out what you need before you compare home insurance companies, you can be sure each policy you’re considering provides the same level of coverage. You can also eliminate companies that don’t offer the options you want.
2. Compare home insurance quotes. After you outline your coverage needs, you can start shopping for homeowners insurance. You’ll want to compare home insurance quotes from at least three companies to be sure you’re getting the cheapest policy you can.
Homeowners insurance costs an average of about $149 a month, according to a NerdWallet analysis. But rates can vary dramatically because no two houses are the same and each insurer uses its own formula to calculate premiums and discounts.
You can shop for quotes online or by phone, or you can work with an insurance agent or broker. Whichever route you choose, make sure to compare policies with similar coverage and deductibles.
Also, be aware that a homeowners insurance quote is only an estimate. Your price may change if an insurance company inspects your house and determines you need a different amount of coverage.
🤓Nerdy Tip
Hundreds of insurers compete for your business, often selling very similar products, so it’s smart to compare home insurance quotes from at least three companies before making a decision.
3. Research home insurance discounts. Most companies offer savings for things like:
Beyond those, you may see differences in both the number and type of home insurance discounts available. An agent can help you get all the savings you’re eligible for.
4. Check customer satisfaction and complaints. If you choose a home insurance company that’s known for making its customers happy, you can feel more confident that you'll 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 annually.
The NAIC website is another source of information about how insurance companies have performed. You can find out how many complaints were filed against an insurer with state regulators, the reasons for the complaints, and whether there were more complaints than expected for a company of its size.
5. Consider financial strength. You’ll want to buy homeowners insurance from a stable company with enough money to pay claims. Financial strength is one way to evaluate whether an insurer meets that standard. You can check financial strength through a rating firm such as AM Best.
NerdWallet typically recommends considering insurers with ratings of A- or higher. Any company with an AM Best rating of B+ or higher has a “good” ability to meet its obligations in AM Best’s opinion. Companies with ratings below that may not be quite as safe a bet and often have higher rates of complaints relative to their size.
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If the cost of your homeowners insurance seems a lot higher than it used to, it’s not your imagination. Premiums have been on the rise for the past several years, thanks to a combination of inflation and natural disasters.
Because labor and building materials have gotten more expensive, it now costs more to rebuild or repair homes. And catastrophes like hurricanes, wildfires, tornadoes and severe thunderstorms have cost insurance companies billions of dollars in claim payouts. Insurers have passed their increasing costs along to their policyholders.
The map below shows the average cost of homeowners insurance in each state. The darker the shade of green, the higher the cost of home insurance in that state.
For more details and the best home insurance options in your area, click on your state below.
NerdWallet’s editorial team considered coverage options, discounts, complaint data from the National Association of Insurance Commissioners, financial strength grades and more to determine the best home insurance companies.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
Our rating system rewards companies with many coverage options and discounts, a low number of consumer complaints and a strong financial rating. Within the consumer experience category, we looked at features such as online quotes and claim reporting. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
Here are the categories and weights we used to come up with our list of best home insurance companies:
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you.
A homeowners policy is insurance that protects you financially if a fire damages your home, someone steals your belongings or another catastrophe strikes. Mortgage lenders generally require you to buy homeowners insurance as a condition of your loan.
What does homeowners insurance cover?
Homeowners insurance typically covers your house and everything in it from damage due to fire, wind, heavy snow and other disasters known as “perils.” The loss of use section of your policy reimburses you for hotel stays or other expenses if you need to move out of your home during covered repairs. And your policy’s personal liability insurance will pay if you injure someone else or damage their property.
What does home insurance not cover?
Standard homeowners policies don’t cover damage due to flooding, earthquakes, landslides or infestations. Nor will they cover everyday wear and tear or problems caused by neglect.
You may be able to buy extra insurance to cover some of these problems. For example, flood insurance is available through the National Flood Insurance Program and private providers.
How much does homeowners insurance cost?
The average cost of homeowners insurance in the U.S. is $1,915 per year, 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.
Methodology
Homeowners insurance star 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, coverage, discounts and online experience. 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.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
