Advertiser Disclosure

Find the Best Homeowners Insurance

Oct. 4, 2017
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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

CompanyNerdWallet rating
Note: Not all insurers are available in all states.


Amica insurance review
5.0-stars
5 stars


Country Financial
4.0-stars
4 stars


Auto-Owners Insurance
4.0-stars
4 stars


Erie insurance review
4.0-stars
4 stars


Encompass
4.0-stars
4 stars


Cincinnati Insurance
3.5-stars
3.5 stars


State Farm insurance review
3.5-stars
3.5 stars


Nationwide insurance review
3.5-stars
3.5 stars


Farmers insurance review
3.5-stars
3.5 stars


MetLife insurance review

3.5-stars
3.5 stars


The Hartford insurance review
3.5-stars
3.5 stars


Allstate insurance review
3.0-stars
3 stars


American Family insurance review
3.0-stars
3 stars


Automobile Club of Southern California (a subsidiary of AAA)
3.0-stars
3 stars


Liberty Mutual insurance review

3.0-stars
3 stars


The Hanover
3.0-stars
3 stars


MAPFRE
3.0-stars
3 stars


CSAA (a subsidiary of AAA)

2.5-stars
2.5 stars


Safeco insurance review

2.5-stars
2.5 stars


Travelers insurance review
2.0-stars
2 stars


Automobile Club Group (a subsidiary of AAA)
1.5-stars
1.5 stars


Mercury insurance review

1.5-stars
1.5 stars


Homesite Insurance

1.0-stars
1 star

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


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.