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The 20 Biggest Home Insurance Companies

April 7, 2016
Homeowners Insurance, Insurance
Comparing the Top 20 Home Insurance Companies
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

When it comes to choosing a homeowners insurance company, there’s a lot to be said for the big guys. Besides having recognizable names, the largest insurers tend to be time-tested and financially secure. You can have confidence they’ll be with you for the long haul, which could be decades, depending on how long you own your home.

Here are the 20 largest homeowners insurance companies, listed from largest to smallest by market share, according to A.M. Best, and including their financial strength ratings and notable home insurance discounts.

» MORE: Find the best homeowners insurance

Largest homeowners insurance companies in the U.S.

Company % market shareA.M. Best financial strength ratingNotable home insurance discounts
Source: A.M. Best, market share based on direct written premiums in 2014
1. State Farm

19.97% ($17.23 billion direct premiums written)

A (excellent)
  • Bundling


  • Safety features (such as a burglar alarm or fire sprinkler system)


  • Impact-resistant roofing
  • 2. Allstate

    8.94% ($7.71 billion direct premiums written)A+ (superior)
  • Bundling


  • Age 55+ and retired


  • Newly constructed home
  • 3. Liberty Mutual

    6.62% ($5.71 billion direct premiums written)A (excellent)
  • Bundling


  • Recently renovated home


  • Claim-free for three years
  • 4. Farmers

    5.97% ($5.15 billion direct premiums written)A (excellent)
  • Bundling


  • Smoker-free household


  • Recently updated household systems (plumbing, electrical, etc.)
  • 5. USAA

    5.44% ($4.7 billion direct premiums written)A++ (superior)
  • Bundling


  • Home age
  • 6. Travelers

    3.83% ($3.31 billion direct premiums written)A (excellent)
  • Bundling


  • Protective devices (smoke detectors, sprinkler system, burglar alarm, etc.)


  • Green home (must be certified by Leadership in Energy and Environmental Design)
  • 7. Nationwide

    3.72% ($3.21 billion direct premiums written)A+ (superior)
  • Bundling


  • Age 60+ policyholder


  • Married or widowed
  • 8. American Family

    2.81% ($2.43 billion direct premiums written)A (excellent)
  • Bundling


  • Loyal customer (at least five years)


  • Age 50+ policyholder
  • 9. ACE INA (including Chubb)

    2.69% ($2.32 billion direct premiums written)A++ (superior)
  • Bundling


  • Gated community


  • Electrical backup in case of lightning
  • 10. Erie Insurance

    1.59% ($1.37 billion direct premiums written)A+ (superior)
  • Bundling


  • Early quote (seven to 60 days before policy begins)


  • Safety features
  • 11. Auto-Owners Insurance

    1.38% ($1.19 billion direct premiums written)A++ (superior)
  • Bundling


  • Recently renovated home


  • Claim-free for three years
  • 12. The Hartford

    1.36% ($1.17 billion direct premiums written)A+ (superior)
  • Bundling


  • Retiree


  • Loyal customer (at least four years)
  • 13. MetLife Auto & Home

    1.33% ($1.15 billion direct premiums written)A (excellent)
  • Bundling


  • Fire and theft prevention
  • 14. AIG

    1.01% ($874 million direct premiums written)A (excellent)
  • Gated community

  • Security camera system

  • Gas-leak detector
  • 15. Progressive

    0.95% ($820 million direct premiums written)A+ (superior)
  • Bundling

  • 16. Citizens Property Insurance Corp.

    0.92% ($795 million direct premiums written)Not rated
  • Wind damage prevention


  • Centrally monitored fire and/or burglar alarm
  • 17. CSAA Insurance (offered through AAA auto clubs)

    0.88% ($761 million direct premiums written) A+ (superior)
  • Bundling


  • Recently renovated home


  • Claim-free for three years
  • 18. Universal Insurance Holdings

    0.85% ($733 million direct premiums written)Not rated
  • Home inspection for wind preparedness


  • Centrally monitored burglar and/or fire alarm
  • 19. Country Financial Property Casualty

    0.81% ($701 million direct premiums written)A+ (superior)
  • Bundling


  • Age of electrical wiring


  • Hail-resistant roofing
  • 20. Tower Hill

    0.79% ($680 million direct premiums written)A- (excellent)Ask a local agent