Fact CheckedThe best homeowners insurance at a glance
Chubb: Best for high-value homes.
NJM: Best regional insurer.
Andover Companies: Best coverage.
Amica: Best for consumer satisfaction.
Cincinnati Insurance: Best for sustainability.
Country Financial: Best for discounts.
State Farm: Best big national insurer.
USAA: Best for military and veterans.
Company | NerdWallet star rating | Why we picked it |
|---|---|---|
Best for high-value homes | ||
Best regional insurer | ||
Best coverage | ||
Best for consumer satisfaction | ||
Best for sustainability | ||
Best for discounts | ||
Best big national insurer | ||
USAA* | Best for military and veterans | |
*USAA membership is open only to active military, veterans, some federal employees and their families. | ||
Best home insurance companies
We evaluated dozens of carriers to find the best homeowners insurance companies. We looked at factors such as how much coverage they include and which services they offer. Our top-rated insurers are financially secure and draw low rates of customer complaints.
Chubb: Best homeowners insurance for high-value homes
Chubb's perks and high coverage limits make it a great choice for affluent homeowners.
Coverage
More than average
Discounts
Great set of discounts
NAIC complaints
Far fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why it's the best: Chubb offers top-of-the-line coverage for high-value homes. Wealthy clients will appreciate its lofty coverage limits, such as personal liability amounts up to $100 million. Its policies also include perks like the HomeScan service, which helps flag issues with your home that could lead to damage.
Chubb policies come with two useful types of coverage that not all companies include:
Extended replacement cost coverage for your dwelling. If your home costs more than expected to rebuild after a disaster, this coverage provides a financial cushion.
Replacement cost coverage for your belongings. This is a more generous type of coverage than actual cash value coverage, which pays less for older items after a claim.
Standout feature: Chubb’s policies also include perks like the HomeScan service. It helps flag issues with your home that could lead to damage.
May not be right for you if: You own a small or average-sized home.
Online quotes available? No.
Average rates: Not available.
» READ MORE: Chubb home insurance review
NJM: Best regional home insurance company
Excellent coverage and customer service make NJM worth considering if you live in Connecticut, Maryland, New Jersey, Ohio or Pennsylvania.
Coverage
More than average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
Available in: CT, MD, NJ, OH, & PA.
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’s policies are more generous than most.
For example, the company includes guaranteed replacement cost coverage in its standard policies. Imagine your house is insured for $400,000, but it ends up costing $500,000 to rebuild after a fire. With guaranteed replacement cost coverage, the extra $100,000 is covered.
Standout feature: NJM includes water backup coverage with its policies. Most companies charge extra for this coverage, which can pay for damage from backed-up sewers or drains.
May not be right for you if: You’re looking for digital perks like live chat or a mobile app to manage your policy.
Online quotes available? Yes.
Average rates: Not available.
» READ MORE: NJM home insurance review
Andover Companies: Best home insurance coverage
Andover offers superior coverage, but it's available only through independent agents in select states.
Coverage
More than average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
Available in: CT, IL, MA, ME, NH, NJ, NY, & RI.
Why it's the best: Andover Companies offers some of the most comprehensive home insurance of all the companies we analyzed. Most Andover policies include guaranteed replacement cost coverage for your home. They also come with broad coverage for your belongings.
If these aren’t enough, you can add a variety of extras to the standard policy. For instance, Andover Companies offers an add-on that can pay for repairs to underground service lines or home appliances.
Standout feature: We appreciate Andover's generous amount of ordinance or law coverage, which can help bring your home up to current building codes after a claim. This feature can be particularly useful for older homes.
May not be right for you if: You’re hoping to buy a policy online.
Online quotes available? No.
Average rates: Not available.
» READ MORE: Andover Companies home insurance review
Amica: Best home insurance for customer satisfaction
Amica is worth considering if you value strong customer service.
Coverage
About average
Discounts
Great set of discounts
NAIC complaints
Far fewer than expected
Available in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why it's the best: Amica home insurance shines when it comes to customer service. The company draws a very low rate of consumer complaints, according to the National Association of Insurance Commissioners. And it’s perennially near the top of JD 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 extra dwelling coverage and higher liability limits.
Standout feature: Amica offers the chance to earn dividends on your homeowners insurance. Amica’s dividend policies cost more upfront but may return 5% to 20% of your premium.
May not be right for you if: You prefer to have an independent insurance agent shop around for your policy. Amica sells its policies directly to consumers and doesn’t work with agents.
Online quotes available? Yes.
Average rates: Not available.
» READ MORE: Amica home insurance review
Cincinnati Insurance: Best home insurance for sustainability
Cincinnati Insurance is a solid choice for homeowners, with an ultra-low rate of consumer complaints. But its website offers limited information and its policies are sold only through independent agents.
Coverage
More than average
Discounts
Great set of discounts
NAIC complaints
Far fewer than expected
Available in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why it’s the best: If you’re looking to do business with companies that value sustainability, consider Cincinnati Insurance. The insurer’s main headquarters is an energy-efficient campus in Fairfield, Ohio. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles.
When you buy Cincinnati home insurance, you may be able to add a “green upgrade.” It pays to repair or rebuild your home with eco-friendly materials after a claim. The company also offers other options, including comprehensive coverage for high-value homes.
Standout feature: Cincinnati works with third parties to offer discounts on automatic water shutoff devices. This technology will turn off your water if it detects a leak, helping to prevent claims.
May not be right for you if: You’re looking for coverage information or quotes on the company’s website. Details are limited, so you’ll need to contact an agent.
Online quotes available? No.
Average rates: Not available.
» READ MORE: Cincinnati home insurance review
Country Financial: Best homeowners insurance for discounts
$400k dwelling coverage
$393 /month
$4,715 /year
Country Financial offers lots of potential discounts, which may help make up for its higher-than-average rates.
Coverage
About average
Discounts
Great set of discounts
NAIC complaints
Far fewer than expected
Available in: AK, AL, AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NV, OK, OR, TN, WA, & WI.
Why it's the best: Country Financial offers a wide range of potential discounts to policyholders. For instance, you can save by bundling multiple policies, having a newer home and paying your premiums on time.
Depending on the policy you choose, Country Financial may cover minor mishaps, such as countertop burns or spilled paint. You may also have the option to buy guaranteed replacement cost coverage.
Standout feature: The company also offers investment products like annuities and college savings accounts. Its range of offerings means you may be able to handle multiple financial needs in one place.
May not be right for you if: You’re on a tight budget. Country Financial’s homeowners policies tend to cost more than average.
Online quotes available? Yes.
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 | $2,755 | $2,500 |
$300,000 | $3,765 | $3,435 |
$400,000 | $4,715 | $4,220 |
$500,000 | $5,615 | $5,005 |
$600,000 | $6,225 | $5,865 |
$700,000 | $6,635 | $6,290 |
$800,000 | $7,640 | $6,745 |
» READ MORE: Country Financial home insurance review
State Farm: Best big national insurer
$400k dwelling coverage
$201 /month
$2,415 /year
America’s largest home insurer has local agents and a long list of coverage options, but customers aren’t always happy with its claim service.
Coverage
More than average
Discounts
Great set of discounts
NAIC complaints
Close to expected
Available in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why it’s the best: The biggest home insurer in the U.S., State Farm offers solid coverage that’s available to most people. The company’s default policy comes with extra coverage for the structure of your home in case it costs more to rebuild than expected. State Farm also has a long list of options you can add.
If you’re looking for personal assistance, you can contact a local State Farm agent. Not into phone calls? The company’s website and app offer plenty of self-service options, including bill payments and claim filing.
Standout feature: In most states, the company offers a free Ting device to policyholders. This smart device monitors your home’s electrical system for problems that could lead to fires.
May not be right for you if: Claims satisfaction is the most important factor for you. The company ranked below average in JD Power’s 2026 U.S. Property Claims Satisfaction Study.
Online quotes available? Yes.
Average rates: Below are average annual rates for a homeowner with good credit, no claims and a house built in 1984.
Dwelling coverage limit | $1000 deductible | $2,500 deductible |
|---|---|---|
$200,000 | $1,630 | $1,535 |
$300,000 | $2,050 | $1,935 |
$400,000 | $2,415 | $2,385 |
$500,000 | $2,890 | $2,820 |
$600,000 | $3,290 | $3,135 |
$700,000 | $3,570 | $3,490 |
$800,000 | $4,030 | $3,750 |
» READ MORE: State Farm home insurance review
USAA: Best homeowners insurance for military and veterans
$400k dwelling coverage
$162 /month
$1,940 /year
USAA’s policies come with useful features, but they’re not available to all homeowners.
Coverage
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why it's the best: USAA sells policies to active military members, veterans, some federal employees and their families. The company tailors its policies for the military community. For instance, it covers uniforms without a deductible for those on active duty or deployed.
USAA’s standard policies cover your belongings on a replacement cost basis, another useful perk.
Standout feature: USAA provides identity theft coverage in most states to help if you're the victim of fraud. This coverage often costs extra from other insurers.
May not be right for you if: You, your spouse or your parents haven’t served in the military or worked for the government.
Online quotes available? Yes.
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 | $1,240 | $1,110 |
$300,000 | $1,610 | $1,425 |
$400,000 | $1,940 | $1,740 |
$500,000 | $2,255 | $2,020 |
$600,000 | $2,550 | $2,315 |
$700,000 | $2,835 | $2,555 |
$800,000 | $3,110 | $2,810 |
» READ MORE: USAA home insurance review
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Best companies for bundling home and auto insurance
Buying both home and auto insurance from the same company can save you money and make managing your policies easier. All the companies on our list offer bundling discounts, with potential savings up to 30%. For more options, check out our list of the best home and auto insurance bundles.
How to compare home insurance companies
1. Decide how much coverage you need
Before you start shopping, do a little research. The amount of coverage you need depends on how much it would cost to rebuild your home and replace your belongings.
An insurance agent can help you figure out the rebuilding cost of your house. Be prepared to answer questions about the home’s square footage, building materials and other details.
Here are a few other questions to consider as you begin shopping:
Do you want extra coverage for scenarios like flooding or backed-up drains?
How much of a deductible are you willing to pay?
If your home is destroyed, would you want to replace all of your personal belongings? If so, how much would that cost?
To help you answer these questions, check out our guide to how much home insurance you need.
2. Compare home insurance quotes
After you outline your coverage needs, it's time to start shopping. Prices can vary dramatically between companies because each one uses its own formula to set rates.
You can shop for quotes online or by phone, or work with an insurance agent or broker. Whichever route you choose, try to compare policies with similar coverage and deductibles.
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. We recommend comparing at least three home insurance quotes 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.
An agent can help you get all the home insurance discounts 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 check customer satisfaction, you can look at home insurance studies from JD Power. The analytics firm surveys thousands of homeowners each year.
The NAIC website is another source of information. You can see how many complaints were filed against an insurer with state regulators and the reasons for the complaints.
5. Consider financial strength
You’ll want to buy homeowners insurance from a stable company with enough money to pay claims. You can check an insurer's financial strength through a rating firm such as AM Best.
NerdWallet 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.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.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 an endless to-do list. But it’s still worth understanding the basics to make sure you’re financially protected.
For a quick guide, see homeowners insurance for first-time home buyers. 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 make sure 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 or earthquakes. If you're at risk, you may need to buy separate insurance.
Do you live near the coast? Check your deductibles (the amount you pay out of pocket in the event of a claim). You may have a higher deductible for windstorm or hurricane claims than you do 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 local recommendations and tips.
🐶 You have a dog
If your furry pal bites a visitor or attacks someone at the dog park, your homeowners policy may be able to help. The liability section of your policy may pay legal or medical expenses after a dog bite — but don’t just assume you’re covered.
Some insurance companies exclude certain breeds like pit bulls or Rottweilers. 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 dog is properly covered.
💍 You own valuable items
Do you have pricey possessions like an antique diamond ring or a high-end guitar? If so, 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 often 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 standards, or the house has unique architecture that would cost a lot 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. This type of insurance can pay to bring your house up to current building codes after a claim.
More Nerdy Perspective
The first time I worked with an independent insurance agent was a game changer for me. These local agents have relationships with lots of insurers, including smaller ones that may not advertise on TV. After one phone call about my insurance needs, I sat back while the agent shopped around on my behalf. She ended up saving me $600 a year.
The first time I worked with an independent insurance agent was a game changer for me. These local agents have relationships with lots of insurers, including smaller ones that may not advertise on TV. After one phone call about my insurance needs, I sat back while the agent shopped around on my behalf. She ended up saving me $600 a year.
Sarah Schlichtersenior writer on InsuranceHome insurance trends
If the cost of your homeowners insurance seems a lot higher than it used to, it’s not your imagination. Rates have gone up 6% since last year, according to NerdWallet’s rate analysis. It’s part of a trend that’s continued for the past several years, thanks to inflation and natural disasters.
A third of Americans with homeowners insurance (34%) report that their insurance premiums have increased in the past 12 months, according to a 2026 NerdWallet survey.
Because labor and building materials have gotten more expensive, it now costs more to rebuild or repair homes. Plus, hurricanes, wildfires and other catastrophes have led to billions of dollars in insurance claims. Insurers have passed their increasing costs along to policyholders.
How we rate the best homeowners insurance companies
✅ 100+ insurers evaluated
📝 112 homeowner profiles
🔢 270 million rates
📊 Star rating categories
When NerdWallet evaluates home insurance companies, our editorial team considers the insurer's strengths and weaknesses, as well as the things that matter most to customers. We weigh these factors carefully:
☎️ Consumer experience (40%). Insurers that draw low rates of customer complaints earn the highest scores. The same goes for insurers who offer consumer-friendly features like online quotes and live chat.
💰FInancial strength (30%). We use AM Best ratings to confirm an insurer’s financial stability and ability to pay claims. The top home insurance companies have financial strength ratings of A, A+ or A++.
🛡️ Coverage (25%). Insurers score highly if they offer broad coverage in standard policies (replacement cost coverage instead of actual cash value, for instance). We also look for a wide range of optional endorsements.
💲 Discounts (5%). We give higher scores to companies with more ways for policyholders to save money on home insurance.
⭐ What our star ratings mean
Companies with 5 stars are exceptional, with strong financials, broad coverage and great reputations for customer service.
Companies with 4.5 stars are excellent, with solid financials and policy offerings, and good customer service track records.
Companies with 4.0 stars are good, and potentially great for people looking for niche coverage options.
Companies with 3.5 stars or fewer could do better in certain categories, like coverage or customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our home insurance ratings methodology and editorial guidelines.
Frequently asked questions
Homeowners insurance typically covers damage due to fire, wind and other disasters. The loss of use section of your policy reimburses you for hotel stays and other expenses if you need to move out of your home during covered repairs. The policy’s personal liability insurance may pay if you hurt someone or damage their property.
Standard homeowners insurance doesn't cover damage from flooding, earthquakes, landslides or infestations. Nor will it cover neglect or wear and tear.
You may be able to buy extra insurance to cover some of these problems. For example, you can get flood insurance through the National Flood Insurance Program or a private provider.
Homeowners insurance costs an average of $2,490 a year, or about $208 a month, according to NerdWallet’s analysis. Oklahoma, Texas and Nebraska and Kansas are the most expensive states for home insurance. Hawaii, Vermont and Delaware are the cheapest. Learn more about the average cost of homeowners insurance.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.JD Power. 2026 U.S. Property Claims Satisfaction Study. Accessed May 14, 2026.
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 experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
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 2022-2024. 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 insurance companies in ZIP codes across all 50 states and Washington, D.C. 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:
$400,000 in dwelling coverage.
$40,000 in other structures coverage.
$200,000 in personal property coverage.
$80,000 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.
