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 large home insurance companies below. (Read our full methodology here.)
Best homeowners insurance companies
|Company||NerdWallet rating||Find rates|
|Note: Not all insurers are available in all states.|
Amica insurance review
Erie insurance review
State Farm insurance review
Nationwide insurance review
Farmers insurance review
MetLife insurance review
The Hartford insurance review
Allstate insurance review
American Family insurance review
Automobile Club of Southern California (a subsidiary of AAA)
Liberty Mutual insurance review
CSAA (a subsidiary of AAA)
Safeco insurance review
Travelers insurance review
Automobile Club Group (a subsidiary of AAA)
Mercury insurance review
Other companies to consider
CHUBB: BEST HOMEOWNERS SERVICES
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
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 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
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:
- J.D. Power property claims satisfaction scores for 2017.
- J.D. Power homeowners insurance customer satisfaction scores for 2017.
- Complaints to state regulators as tabulated by the National Association of Insurance Commissioners.
In cases of a points tie, NAIC complaint data were used to break the tie.