The 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.
State Farm: Best big national insurer.
Country Financial: Best for discounts.
Erie: Best for using an agent.
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 big national insurer | ||
Best for discounts | ||
Best for using an agent | ||
USAA* | Best for military and veterans | |
*USAA policies are available only to active military, veterans and their families. | ||
Best home insurance companies of 2025
We evaluated dozens of carriers to find the best homeowners insurance companies. These insurers received our highest star ratings based on their coverage options, consumer experience and financial strength.
Chubb: Best homeowners insurance for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Pros
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
Cons
- Most consumers can’t get a quote online and will instead need to contact a local agent.
Why it's the best: Chubb tailors its policies for well-to-do clients with high-value homes. For example, you can choose a personal liability limit up to $100 million — much higher than the maximum many other insurers offer. Chubb also includes 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 covered disaster, Chubb will pay more than your selected dwelling limit to help cover the cost.
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.
Where it's available: All states and Washington, D.C.
Average rates: Not available.
» READ MORE: Chubb home insurance review
NJM: Best regional home insurance company
NJM
- Includes coverage other companies charge extra for.
- Very low rate of consumer complaints.
- Many extra coverage options available.
- No app to manage your policy.
- Available in only five states.
Pros
- Includes coverage other companies charge extra for.
- Very low rate of consumer complaints.
- 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’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.
NJM also 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.
Where it's available: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
Average rates: Not available.
» READ MORE: NJM home insurance review
Andover Companies: Best home insurance coverage
Andover Companies
- Far fewer consumer complaints than expected.
- Includes more generous dwelling and personal property coverage than most insurers.
- Many additional coverage options to choose from.
- Available in only eight states.
- Limited online experience.
Pros
- Far fewer consumer complaints than expected.
- Includes more generous dwelling and personal property coverage than most insurers.
- Many additional coverage options to choose from.
Cons
- Available in only eight states.
- Limited online experience.
Why it's the best: Andover Companies offers some of the most comprehensive home insurance of all the companies we analyzed. Most policies include guaranteed replacement cost coverage for the structure of your home, plus broad coverage for your belongings.
Also included is a generous amount of ordinance or law coverage, which can help bring your home up to current building codes during repairs after a claim.
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.
Where it's available: Connecticut, Illinois, Maine, Massachusetts, New Hampshire, New Jersey, New York and Rhode Island.
Average rates: Not available.
» READ MORE: Andover Companies home insurance review
Amica: Best home insurance for customer satisfaction
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- 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.
- Dividend policies can return a portion of your premiums.
Cons
- You can start a quote online but may 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 a very low rate of consumer complaints, 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 extra dwelling coverage and higher liability limits.
One unique offering from Amica is 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.
Where it's available: Washington, D.C., and every state except Alaska and Hawaii.
Average rates: Not available.
» READ MORE: Amica home insurance review
Cincinnati Insurance: Best home insurance for sustainability
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes or claims submission.
- Available in only half of U.S. states.
- Very little information on website.
Pros
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
Cons
- No online quotes.
- Available in only half of U.S. states.
- Very little information on website.
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, which includes a LEED Gold-certified building. 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” endorsement. With this coverage, you can repair or rebuild your home with eco-friendly materials after a claim. The company also offers a variety of other options, including comprehensive coverage for high-value homes.
Where it’s available: Washington, D.C., and all states except Alaska, Louisiana, Mississippi, Oklahoma and South Dakota.
Average rates: Not available.
» READ MORE: Cincinnati home insurance review
State Farm: Best big national insurer
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
- Not available in California, Massachusetts or Rhode Island.
Pros
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
Cons
- Below average for claim satisfaction in a recent J.D. Power study.
- Not available in California, Massachusetts or Rhode Island.
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 reach out to a local State Farm agent. But if phone calls aren’t your thing, the company’s website and app offer plenty of self-service options, including bill payments and claim filing.
Where it’s available: Washington, D.C., and all states except California, Massachusetts and Rhode Island.
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 | $1,770 | $1,510 |
$300,000 | $2,185 | $1,940 |
$400,000 | $2,560 | $2,305 |
$500,000 | $3,100 | $2,720 |
» READ MORE: State Farm home insurance review
Country Financial: Best homeowners insurance for discounts
Country Financial
- Far fewer complaints than expected for a company of its size.
- Many 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 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 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. This coverage can pay to rebuild the structure of your home, with no limits.
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 using an agent
Erie
- Policies may include guaranteed replacement cost coverage.
- Receives fewer complaints than expected for a company of its size.
- High customer satisfaction ratings in recent J.D. Power studies.
- Not available in most states.
- No online quotes.
Pros
- Policies may include guaranteed replacement cost coverage.
- Receives fewer complaints than expected for a company of its size.
- High customer satisfaction ratings in recent J.D. Power studies.
Cons
- Not available in most states.
- No online quotes.
Why it's the best: Erie is ideal 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.
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.
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
USAA: Best homeowners insurance for military and veterans
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans and their families.
Pros
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
Cons
- Available only to active military members, veterans and their families.
Why it's the best: USAA's policies are available to active military members, veterans and their families. The company 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. USAA’s standard policies cover your personal belongings on a replacement cost basis, another useful perk.
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
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 primer, check out our guide to 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 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 or earthquakes. If you're at risk, you may need to purchase separate insurance.
Do you live near the 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 such as 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 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 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.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.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 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. Plus, hurricanes, wildfires and other catastrophes have led to billions of dollars in insurance claims. 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 to compare home insurance companies
1. Decide how much coverage you need
Before you start shopping, do a little research. A standard homeowners 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.
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 (such as hardwood floors vs. carpet) 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. Keep in mind that prices can vary dramatically between companies because each one uses its own formula to set rates and discounts.
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 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.
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 see whether previous customers have been satisfied, you can look at home insurance studies 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 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 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.
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 and a strong financial rating. Within the consumer experience category, we looked at features such as complaints, 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. 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 will pay if you injure someone or damage their property.
What does home insurance not cover?
What does home insurance not cover?
Standard homeowners policies don’t cover damage from 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, you can get flood insurance 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 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 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.
