The best homeowners insurance at a glance
Amica: Best for consumer satisfaction.
Auto-Owners: Best for working with an agent.
Chubb: Best for insuring high-value homes.
Country Financial: Best for discounts.
Erie: Best for coverage.
NJM: Best regional insurer.
USAA: Best for military members and veterans.
Why trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.
More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Best home insurance companies of 2025
We evaluated dozens of carriers to find the best homeowners insurance companies. These seven insurers received a perfect 5-star score based on their coverage options, discounts, online experience, financial strength and consumer complaints.
Amica: Best home insurance for customer satisfaction
Amica
Well-established insurer known for great customer service.- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- You can start a quote online but have to finish the buying process by phone.
- Not available in Alaska or Hawaii.
Pros
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
Cons
- You can start a quote online but have to finish the buying process by phone.
- Not available in Alaska or Hawaii.
Why it's the best: Amica home insurance shines when it comes to customer service. The company draws far fewer complaints than expected for an insurer of its size, according to the National Association of Insurance Commissioners. And it’s perennially near the top of J.D. Power’s annual customer satisfaction studies.
It’s no slouch when it comes to coverage, either. You can upgrade to Amica's Platinum Choice package for perks like extended dwelling coverage, higher liability limits and coverage for damage due to backed-up drains or overflowing sump pumps.
Where it's available: Washington, D.C., and every state except Alaska and Hawaii.
Average rates: Not available.
» READ MORE: Amica home insurance review
Auto-Owners: Best home insurance for working with an agent
Auto-Owners
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- No online quotes or claims submission.
- Available in only half of U.S. states.
Pros
- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
Cons
- No online quotes or claims submission.
- Available in only half of U.S. states.
Why it's the best: If you live in the company’s service area, Auto-Owners home insurance is worth a look. The insurer offers a robust slate of coverage options, including extended replacement cost coverage for your home’s structure. It also offers inland flood coverage, which is ideal for homeowners in low-risk areas who don’t want to buy a separate federal flood insurance policy.
Auto-Owners is best for homeowners who prefer the human touch. You’ll need to contact an agent in order to get a quote, buy a policy or file a claim. That’s a plus for homeowners with special coverage needs or those who appreciate having a personal relationship with an agent.
Auto-Owners draws far fewer consumer complaints than expected for a company of its size, according to the NAIC.
Where it's available: Alabama, Arizona, Arkansas, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.
Average rates: Below are average annual rates for a homeowner with good credit, no claims and a house built in 1984.
Dwelling coverage limit | $1,000 deductible | $2,500 deductible |
|---|---|---|
$200,000 | $1,820 | $1,630 |
$300,000 | $2,380 | $2,160 |
$400,000 | $2,920 | $2,615 |
$500,000 | $3,490 | $3,025 |
» READ MORE: Auto-Owners home insurance review
Chubb: Best homeowners insurance for high-value homes
Chubb
Perks and high coverage limits for affluent homeowners.- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Pros
- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies only offer as extras.
- Large number of potential discounts.
Cons
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Why it's the best: If you have a high-value home and need insurance to match, Chubb is worth considering. Chubb targets owners of expensive homes, tailoring much of its experience toward well-to-do clients. For example, you can choose a personal liability limit up to $100 million — significantly higher than the maximum many other insurers offer. Chubb also includes perks like the HomeScan service, which helps uncover issues with your home that require attention before they can cause damage.
Chubb policies come with extended replacement cost coverage for your dwelling and replacement value for your belongings — two other unusual benefits for consumers. This means that if your home costs more than expected to rebuild after a covered disaster, Chubb will pay more than your selected dwelling limit to help cover the cost. It also means that you’ll receive enough of a payout to buy brand-new replacements for your damaged belongings, rather than getting only their depreciated value.
Where it's available: All states and Washington, D.C.
Average rates: Not available.
» READ MORE: Chubb home insurance review
Country Financial: Best homeowners insurance for discounts
Country Financial
Best for those looking for lots of ways to save on home insurance.- Far fewer complaints than expected for a company of its size.
- Many discounts and coverage options available.
- Can get an online quote but must finish the purchase over the phone.
- Not available in all states.
Pros
- Far fewer complaints than expected for a company of its size.
- Many discounts and coverage options available.
Cons
- Can get an online quote but must finish the purchase over the phone.
- Not available in all states.
Why it's the best: Country Financial offers a wide range of discounts to policyholders, including ones for bundling multiple policies from the insurer, having a newer home and paying your premiums on time for at least three years.
Depending on which type of policy you choose, Country Financial may cover household mishaps, such as countertop burns or spilled paint. You may also have the option to buy guaranteed replacement cost coverage. This coverage can pay the cost of standard new construction materials and labor if you need to rebuild your home, with no limits.
Country Financial sees far fewer complaints to regulators than expected for a company of its size, according to the NAIC.
Where it's available: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin.
Average rates: Below are average annual rates for a homeowner with good credit, no claims and a house built in 1984.
Dwelling coverage limit | $1,000 deductible | $2,500 deductible |
|---|---|---|
$200,000 | $2,725 | $2,455 |
$300,000 | $3,780 | $3,415 |
$400,000 | $4,670 | $4,245 |
$500,000 | $5,565 | $5,055 |
» READ MORE: Country Financial home insurance review
Erie: Best home insurance for coverage
Erie
Standard policies may include coverage that other home insurance companies charge extra for.- Policies may include guaranteed replacement cost coverage.
- Receives far fewer complaints than expected for a company of its size.
- Not available in most states.
- No online quotes.
Pros
- Rates generally below the national average.
- Policies may include guaranteed replacement cost coverage.
- Receives far fewer complaints than expected for a company of its size.
Cons
- Not available in most states.
- No online quotes.
Why it's the best: We like Erie because in many of the locations it serves, the company includes guaranteed replacement cost coverage in its standard policies. This means Erie will pay as much as necessary to rebuild your home if it’s destroyed, even if the amount is higher than your dwelling coverage limit.
Erie also offers replacement cost coverage on your personal belongings, which ensures you’ll get more for stolen or destroyed items than you would if you had actual cash value coverage.
Erie doesn’t offer as many online bells and whistles as some other insurers do. You’ll have to call an agent to get a quote, for instance, and you can’t file claims online. But if you prefer having a personal relationship with a local agent, the company might be a good fit.
Where it's available: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and Washington, D.C.
Average rates: Below are average annual rates for a homeowner with good credit, no claims and a house built in 1984.
Dwelling coverage limit | $1,000 deductible | $2,500 deductible |
|---|---|---|
$200,000 | $1,830 | $1,600 |
$300,000 | $2,515 | $2,205 |
$400,000 | $3,160 | $2,805 |
$500,000 | $3,745 | $3,345 |
» READ MORE: Erie home insurance review
NJM: Best regional home insurance company
NJM
Offers strong coverage in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.- Includes coverage other companies charge extra for.
- Far fewer consumer complaints than expected for a company of its size.
- Many extra coverage options available.
- No app to manage your policy.
- Available in only five states.
Pros
- Includes coverage other companies charge extra for.
- Far fewer consumer complaints than expected for a company of its size.
- Many extra coverage options available.
Cons
- No app to manage your policy.
- Available in only five states.
Why it's the best: NJM’s homeowners policies are available in only five states, but they’re a great option if you live in one of them. That’s because NJM includes several types of coverage that often cost extra from other insurers.
For example, the company’s guaranteed replacement cost coverage will pay to rebuild your home if it’s destroyed, even if the damage exceeds your dwelling limit. NJM also includes water backup coverage with its policies, which can pay for damage from backed-up sewers or drains.
Those with NJM insurance tend to be satisfied. Complaints to state regulators about NJM’s homeowners insurance are far fewer than expected for a company of its size, according to the NAIC.
Where it's available: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
Average rates: Not available.
» READ MORE: NJM home insurance review
USAA: Best homeowners insurance for military and veterans
USAA
Offers perks for the military community.- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Rates are below the national average, according to NerdWallet’s analysis.
- Available only to active military members, veterans and their families.
Pros
- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Average rates are below the national average, according to NerdWallet’s analysis.
Cons
- Available only to active military members, veterans and their families.
Why it's the best: USAA is open only to active military members, veterans and their families, and it tailors its policies to meet the needs of those consumers. For instance, it covers military uniforms without a deductible for those on active duty or deployed.
USAA also stands out by providing identity theft coverage in most states to help with expenses if you're the victim of identity fraud. It also covers your personal belongings on a replacement cost basis, paying the cost to replace items rather than providing only the depreciated value. Both of these offerings tend to cost extra from other insurers.
USAA has far fewer complaints to state regulators for home insurance than expected for a company of its size, according to the NAIC.
Where it's available: All states and Washington, D.C.
Average rates: Below are average annual rates for a homeowner with good credit, no claims and a house built in 1984.
Dwelling coverage limit | $1,000 deductible | $2,500 deductible |
|---|---|---|
$200,000 | $1,370 | $1,200 |
$300,000 | $1,790 | $1,555 |
$400,000 | $2,155 | $1,905 |
$500,000 | $2,500 | $2,225 |
» READ MORE: USAA home insurance review
Other top home insurance companies to consider
Each of the home insurance companies below earned 4.5 stars under our scoring system.
Insurer | Average annual rate | Bottom line |
|---|---|---|
$2,380 | Big insurer that offers many discounts. | |
$2,745 | Customizable coverage for homeowners in the West and Midwest. | |
$2,130 | Superior coverage sold in select Northeastern states and Illinois. | |
Auto Club Group (AAA) | Not available. | Sells on behalf of AAA in a handful of states. |
Not available. | Stands out for its ultra-low volume of consumer complaints and options for high-value homes. | |
$915 | Affordable rates from a regional insurer in New England. | |
$2,600 | Lots of coverage options and discounts for homeowners in most of the U.S. | |
$1,545 | Solid coverage from a small insurer in Michigan and Ohio. | |
$2,940 | Offers a wide range of coverage options in the eastern and midwestern U.S. | |
$2,610 | National insurer that offers plenty of discounts and coverage options. | |
Not available. | Sells premium policies for high-value homes. | |
$1,515 | Regional insurer offering solid coverage in parts of New England. | |
$2,185 | Stands out for generous coverage for your home's structure. | |
$2,055 | Offers strong coverage and several discounts in most states. |
Rates are for a homeowner with good credit, no claims and a house built in 1984. The sample policy has a $300,000 dwelling limit, a $300,000 liability limit and a $1,000 deductible.
How to find the best home insurance in five common scenarios
You’re a first-time home buyer
The homebuying process can be a whirlwind, and getting a homeowners policy may feel like one more item to check off a seemingly endless to-do list. But it’s still worth understanding the basics to make sure you’re financially protected.
For a quick primer, check out the essential terms to understand in your homeowners policy. Then, consider setting a calendar reminder to call your insurer six months after closing. By that point, you’ll be settled in and have more time to double-check that you’ve got all the coverage you need.
You live in a high-risk area
Is your region prone to hurricanes, wildfires, earthquakes or other disasters? If so, you might want to spend a little extra time researching your coverage options.
For example, most homeowners policies don't cover damage from floods and earthquakes, so you may need to purchase additional insurance. If you live along the coast, you may have a separate windstorm or hurricane deductible that’s higher than your standard deductible for other disasters. A local agent can help you assess your risks and make sure you’re fully covered.
If you live in a high-risk state, home insurance may be harder to find these days. Our guides to home insurance in Florida, Texas and California include star ratings, sample rates and other information to help you find the best home insurance available in your state.
You have a dog
If your furry pal bites a visitor or attacks someone at the dog park, the liability section of your home insurance policy may be able to help with resulting legal or medical expenses. But don’t just assume you’re covered.
Some insurance companies exclude certain breeds such as pit bulls or Rottweilers, while others won’t cover animal liability claims unless you add extra coverage to your policy. Check with your insurance company or agent to make sure your canine companion is properly covered.
You own valuable items
If you have expensive belongings, such as an antique diamond ring or a high-end guitar, check whether your homeowners policy offers enough coverage for them. Many valuable items are insured for theft only up to certain sublimits, such as $1,500.
If that’s not enough, you can typically buy extra coverage for individual items or collections. You may need to have a professional appraisal of each item.
You own an older home
Say the wiring in your century-old Victorian isn’t up to modern safety standards, or the house has unique architectural features that would be expensive to rebuild. These and other factors could make it tough to find affordable insurance. You might even need to make upgrades before you’re approved for coverage.
An experienced agent can help you weigh your options. For instance, you may want to add ordinance or law coverage to your policy to pay expenses associated with bringing your house up to current building codes during repairs.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.How to compare home insurance companies
1. Decide how much coverage you need
Finding the best homeowners insurance starts with making sure you’re shopping for the right coverage. A standard policy covers your house and other structures, but the amount of coverage you need depends on how much it would cost to rebuild your home.
You’ll also have several options to consider, including the amount of your homeowners insurance deductible (the amount you pay out of pocket in the event of a claim) and whether you need extra insurance for valuable items. You might also want policy upgrades to cover earthquake damage or to ensure you can replace old belongings with new ones after a loss, rather than being paid for their depreciated value. Check out How Much Home Insurance Do You Need? to learn more.
By figuring out what you need before you compare home insurance companies, you can be sure each policy you’re considering provides the same level of coverage. You can also eliminate companies that don’t offer the options you want.
2. Compare home insurance quotes
After you outline your coverage needs, you can start shopping for homeowners insurance. Keep in mind that rates can vary dramatically between companies because no two houses are the same and each insurer uses its own formula to calculate premiums and discounts.
You can shop for quotes online or by phone, or you can work with an insurance agent or broker. Whichever route you choose, make sure to compare policies with similar coverage and deductibles.
Also, be aware that a homeowners insurance quote is only an estimate. Your price may change if an insurance company inspects your house and determines you need a different amount of coverage.
Hundreds of insurers compete for your business, often selling very similar products, so it’s smart to compare home insurance quotes from at least three companies before making a decision.
3. Research home insurance discounts
Most companies offer savings for things like:
Having multiple policies with the same insurer.
Installing safety, security or smart-home devices.
Avoiding claims for consecutive years.
Beyond those, you may see differences in both the number and type of home insurance discounts available. An agent can help you get all the savings you’re eligible for.
4. Check customer satisfaction and complaints
If you choose a home insurance company that’s known for making its customers happy, you can feel more confident that you'll have a good experience.
To see whether previous customers have been satisfied, you can look at studies on homeowners insurance and property claims satisfaction from J.D. Power, which surveys thousands of homeowners annually.
The NAIC website is another source of information about how insurance companies have performed. You can find out how many complaints were filed against an insurer with state regulators, the reasons for the complaints and whether there were more complaints than expected for a company of its size.
5. Consider financial strength
You’ll want to buy homeowners insurance from a stable company with enough money to pay claims. Financial strength is one way to evaluate whether an insurer meets that standard. You can check financial strength through a rating firm such as AM Best.
NerdWallet typically recommends considering insurers with ratings of A- or higher. Any company with an AM Best rating of B+ or higher has a “good” ability to meet its obligations in AM Best’s opinion. Companies with ratings below that may not be quite as safe a bet and often have higher rates of complaints relative to their size.
How much does home insurance cost?
Homeowners insurance costs an average of $2,110 a year, or about $176 a month, according to NerdWallet’s analysis.
Oklahoma, Texas and Nebraska are the most expensive states for home insurance, while Hawaii, Vermont and Delaware are the cheapest.
Why is homeowners insurance so expensive?
If the cost of your homeowners insurance seems a lot higher than it used to, it’s not your imagination. Premiums have been on the rise for the past several years, thanks to a combination of inflation and natural disasters. A majority of U.S. homeowners (54%) report that their insurance premiums have increased in the past 12 months, according to a 2025 NerdWallet survey of more than 1,300 U.S. homeowners, conducted online by The Harris Poll.
Because labor and building materials have gotten more expensive, it now costs more to rebuild or repair homes. And catastrophes like hurricanes, wildfires, tornadoes and severe thunderstorms have cost insurance companies billions of dollars in claim payouts. Insurers have passed their increasing costs along to policyholders.
The map below shows the average cost of homeowners insurance in each state for homeowners with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. The darker the shade of green, the higher the cost of home insurance in that state.
For more details and the best home insurance options in your area, click on your state below.
- Find the best homeowners insurance in your state
How we ranked the best home insurance companies
NerdWallet’s editorial team considered coverage options, discounts, complaint data from the National Association of Insurance Commissioners, financial strength grades and more to determine the best home insurance companies.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
Our rating system rewards companies with many coverage options and discounts, a low number of consumer complaints and a strong financial rating. Within the consumer experience category, we looked at features such as online quotes and claim reporting. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
Here are the categories and weights we used to come up with our list of best home insurance companies:
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What does homeowners insurance cover?
What does homeowners insurance cover?
Homeowners insurance typically covers your house and everything in it from damage due to fire, wind, heavy snow and other disasters known as “perils.” The loss of use section of your policy reimburses you for hotel stays or other expenses if you need to move out of your home during covered repairs. And your policy’s personal liability insurance will pay if you injure someone else or damage their property.
What does home insurance not cover?
What does home insurance not cover?
Standard homeowners policies don’t cover damage due to flooding, earthquakes, landslides or infestations. Nor will they cover everyday wear and tear or problems caused by neglect.
You may be able to buy extra insurance to cover some of these problems. For example, flood insurance is available through the National Flood Insurance Program and private providers.
How much does homeowners insurance cost?
How much does homeowners insurance cost?
The average cost of homeowners insurance in the U.S. is $2,110 per year, according to NerdWallet’s rate analysis.
This cost varies based on where you live, the size of your house and how much coverage you need.
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer complaints (30%).
Financial strength (30%).
Coverage (20%).
Consumer experience (10%).
Discounts (10%).
Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Survey methodology
This survey was conducted online within the United States by The Harris Poll on behalf of NerdWallet from April 10-14, 2025, among 1,337 U.S. adults ages 18 and older who own a home. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 3.2 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact press@nerdwallet.com.
