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.
Every home insurer talks a big game when it comes to providing reliable coverage for your home, belongings and assets. But their claims handling and customer service reveal which companies truly inspire peace of mind when you need it most, and which have a few cracks in their foundation.
Using customer satisfaction ratings from J.D. Power and consumer complaint data from the National Association of Insurance Commissioners, we’ve compiled a list 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
|Note: Not all insurers are available in all states.|
|2. Country Financial|
|4. Automobile Club of Southern California (a subsidiary of AAA)|
|5. Liberty Mutual|
|7. CSAA (a subsidiary of AAA)|
|9. Auto-Owners Insurance|
|12. American Family|
|15. The Hanover|
|16. State Farm|
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. The insurer is based in Warren, New Jersey.
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. In Consumer Reports’ study, USAA earned excellent scores, coming in just below Amica for the best overall score. It fell slightly short in customer ratings for problem-free claims experience. USAA earned the highest overall score in J.D. Power’s 2015 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. The insurer is based in San Antonio.
How we compiled our ratings
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 2016.
- J.D. Power homeowners insurance customer satisfaction scores for 2016.
- 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. Only insurers with at least 2.5 stars are included.
This page was updated Oct. 13, 2016.