Find the Best Homeowners Insurance

Your home is one of your largest and most meaningful investments, so it’s only right to be picky about the company you choose to insure it.

Customer satisfaction and complaints

Every home insurer talks a big game when it comes to providing reliable coverage for your home, belongings and assets. But how well they handle claims and customer service reveal which companies deserve your business.

Using customer satisfaction ratings from J.D. Power and consumer complaint data from the National Association of Insurance Commissioners, we’ve compiled rankings of our top-rated home insurance companies below. Links to NerdWallet reviews are provided where they’re available. (Read our full methodology here.)

Best homeowners insurance companies

CompanyRatingFind rates
Note: Not all insurers are available in all states.
1. Amica


5.0-stars
5 stars

2. Country Financial

3.5-stars
3.5 stars

3. Erie

3.5-stars
3.5 stars

4. Automobile Club of Southern California (a subsidiary of AAA)

3.5-stars
3.5 stars

5. Liberty Mutual



3.0-stars
3.0 stars

6. Encompass

3.0-stars
3.0 stars

7. CSAA (a subsidiary of AAA)



3.0-stars
3.0 stars



8. MetLife

3.0-stars
3.0 stars



9. Auto-Owners Insurance

3.0-stars
3.0 stars


10. Allstate

3.0-stars
3.0 stars

11. Nationwide

3.0-stars
3.0 stars



12. American Family





3.0-stars
3.0 stars



13. MAPFRE

2.5-stars
2.5 stars

14. Farmers

2.5-stars
2.5 stars

15. The Hanover

2.5-stars
2.5 stars

16. State Farm

2.5-stars
2.5 stars

Other good companies to consider

Chubb: Best homeowners services

3.5-stars
3.5 out of 5 stars

Chubb is well-regarded for its services to customers, including Wildfire Defense Services, which provides hazard assessment and fire-prevention assistance to customers in select areas with wildfire threats.

Chubb’s HomeScan service uses infrared cameras to look behind customers’ walls and ceilings to identify potential water, electrical and other problems. Chubb is rated A++ (Superior) by A.M. Best.

Chubb’s Loss Control University offers training to fire officials, building inspectors and other professionals on worker safety, fire prevention and accident investigation.

» MORE: Chubb Insurance review

USAA: Best for military families

4.5-stars
4.5 out of 5 stars

USAA sells only to current and former members of the military and their families and is committed to its mission of top service for those families.

USAA earned the highest overall score in J.D. Power’s 2016 homeowners insurance satisfaction study, although J.D. Power does not include USAA in rankings because it serves only military families. USAA has the best financial strength rating available from A.M. Best, at A++ (Superior).

USAA has a Military Affairs team made up of retired officers and senior noncommissioned officers who advocate for past and present military members and work to support military families.

» MORE: USAA Insurance review

The largest homeowners insurance companies

RankCompanyMarket share nationwide
Source: A.M. Best, based on direct written premium in 2015
1State Farm19.66%
2Allstate8.89%
3Liberty Mutual6.73%
4Farmers5.93%
5USAA5.61%
6Travelers3.71%
7Nationwide3.65%
8American Family2.93%
9Chubb2.79%
10Erie 1.65%

NerdWallet ratings methodology

We used the following data, weighted equally on a 30-point scale, to evaluate large home insurance companies and assign star ratings on a scale of 0 stars to 5 stars:

In cases of a points tie, NAIC complaint data were used to break the tie. Only insurers with at least 2.5 stars are included.

Updated Jan. 10, 2017.