Home insurance company reviews (2024)

Our home insurance reviews look at each company’s average costs, coverage options, customer service ratings, and financial stability to help you find the one that’s best for you.

Headshot of Jennifer Gimbel

By

Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|1 min read

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Your home is one of the most expensive purchases you’ll make, which is why choosing a home insurance company to protect your financial investment shouldn’t be taken lightly. That’s where our policycentral home insurance reviews come in.

Our team of home insurance experts and licensed agents reviewed over 60 popular home insurance companies based on average costs, coverage options, customer service scores, and financial stability to make it easier for you to compare policies to find the best home insurance company for you.

Our home insurance company reviews

On this page, you’ll find a complete list of every home insurance company we rated, along with a brief overview of the type of homeowner they’re best for, and a few pros and cons. We’ve also linked out to each company’s full review, so you can easily learn more about a particular insurer that catches your eye.

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2024 policycentral award winner

AAA

AAA logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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Why we chose itchevron icon

AAA home insurance is a stellar idea if you have an existing AAA membership or auto insurance policy — you’ll receive extra savings on your home insurance rate for either.

Pros and conschevron icon

Pros

  • Affordable rates, plus 15+ home insurance discounts available

  • 20+ policy coverages and add-ons — including flood and earthquake insurance

  • Slew of other perks and discounts that come with AAA membership

Cons

  • AAA membership required to purchase home insurance

  • Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through

  • Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies

Acuity

Acuity home & auto insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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Why we chose itchevron icon

Acuity home insurance stands out for its extensive optional coverages, a strong customer service track record, and one of the best policy bundling packages we’ve come across.

Pros and conschevron icon

Pros

  • Guaranteed replacement cost dwelling coverage available

  • Exceptional customer service and informational content

  • Bundling package includes several perks and incentives

Cons

  • Rates are higher than the national average

  • Limited discount options

  • Only available in 26 states

AIG

AIG home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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Why we chose itchevron icon

AIG offers high-dollar policy limits, exclusive coverage add-ons, and complimentary wildfire and hurricane protection services — best for affluent homeowners looking to purchase multiple insurance policies with one luxury carrier.

Pros and conschevron icon

Pros

  • Industry-best customer and claims satisfaction ratings with J.D. Power

  • Guaranteed & extended replacement cost coverage available

  • Complimentary wildfire and hurricane mitigation services

Cons

  • Doesn't allow you to purchase standalone home insurance

Alfa Insurance

Alfa Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.1

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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Why we chose itchevron icon

With excellent customer service ratings, strong financial stability, and nearly 80 years of experience in the industry, Alfa home insurance is a solid choice for homeowners seeking reliability.

Pros and conschevron icon

Pros

  • Receives fewer complaints than other companies of its size

  • Offers a comprehensive website and mobile app

  • High financial strength rating with A.M. Best, meaning it likely has the reserves to pay out claims in the wake of a natural disaster

Cons

  • Rates are nearly $1,000 more than the national average, and it only offers 4 discounts

  • Only available in 6 states throughout the South

  • Fewer coverage add-ons and discounts compared to larger home insurance companies

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2024 policycentral award winner

Allstate

Allstate logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

With industry-best coverage options, high financial strength and customer satisfaction ratings, and affordable rates in many states, Allstate is one of the best home insurance options on the market.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

award icon

2024 policycentral award winner

American Family

American Family home insurance

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

American Modern

American Modern insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

If you’ve had trouble finding a homeowners insurance policy due to the age of your home, its location, condition, or its claims history, American Modern is a good alternative to consider since it specializes in home insurance for high-risk homes.

Pros and conschevron icon

Pros

  • Covers high-risk homes that have been rejected by other standard insurers due to age, location, or claims history

  • Offers a slew of policy add-ons and coverages for different types of homes, including mobile, vacation, and vacant homes

  • Received 20% fewer customer complaints than other companies of its size

Cons

  • No online quote tool

  • Can be more expensive than traditional insurers

American National

American National logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

American National home insurance is highly rated for customer service and offers cash back for bundling multiple policies and going three years without filing a claim.

Pros and conschevron icon

Pros

  • If you bundle your home and auto policies and go three years without filing a claim, you’ll receive a percentage of your premiums back

  • Good customer service ratings — received 70% fewer complaints than similar-sized insurers in 2021

  • Rates on par with the national average

Cons

  • Not much information about coverage options and discounts available on its website

  • No online quotes available — must contact a local agent

  • Recent company acquisition might mean changes for policyholders

award icon

2024 policycentral award winner

Amica

Amica home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

Amica home insurance is a solid choice for homeowners looking for affordable rates, a unique dividend policy option, and a company with stellar claims and customer satisfaction ratings.

Pros and conschevron icon

Pros

  • Unique dividend policy option to earn up to 20% back on insurance premiums each year

  • Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys

  • Available everywhere except Hawaii and Alaska

Cons

  • Dividend policy isn’t available in high-risk states like Florida and California

The Andover Companies

The Andover Companies logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

The Andover Companies has a nearly 200-year-long tradition of reliable home insurance coverage with affordable rates for homeowners in eight states throughout the Northeast.

Pros and conschevron icon

Pros

  • Offers cheap rates that are 42% below the national average — plus, 6 home insurance discounts to save even more

  • Choose from plenty of coverage add-ons, including water damage, equipment breakdown, cyber, business property, and identity theft protection

  • Excellent customer service and financial strength ratings

Cons

  • No online quote tool or mobile app for managing your policy

  • Can’t file claims online — must call or visit your local agent in person

  • Only offers home insurance in 8 states throughout the Northeast

Arbella Insurance

Arbella Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

$

$

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Why we chose itchevron icon

Arbella home insurance comes with cheap rates, stellar customer service, and strong financial stability for homeowners in Massachusetts, Connecticut, Rhode Island, and New Hampshire.

Pros and conschevron icon

Pros

  • Cheap rates that are 41% below the national average

  • Earns a perfect 5-star rating for customer service — it received 99% fewer complaints than expected for a company of its size in 2021

  • Mobile app makes it easy to manage your policy and file a claim from the palm of your hand

Cons

  • Doesn’t offer guaranteed or extended replacement cost coverage for your home

  • Only available in Massachusetts, Connecticut, Rhode Island, and New Hampshire

  • No online quote tool — must contact a local agent to get started

Armed Forces Insurance

Armed Forces Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

Armed Forces Insurance (AFI) offers home insurance policies to veterans, active military members, and their families. It’s a good pick if you’re looking for affordable rates and a slew of extra coverage add-ons.

Pros and conschevron icon

Pros

  • Cheap rates that are 23% below the national average

  • Several valuable coverage add-ons, including water backup, valuable items, flood insurance, earthquake insurance, and more

  • Gives back to the military community by supporting local food banks and providing resources for individuals with post-traumatic stress disorder

Cons

  • Only available to members of the military, veterans, and their families

  • Poor customer service and financial strength ratings

  • Doesn’t offer an app

Assurant

Assurant logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.1

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Assurant offers manufactured and mobile home insurance coverage, as well as flood insurance through the NFIP in all states except Florida, Hawaii, and D.C.

Pros and conschevron icon

Pros

  • Specializes in manufactured and mobile home insurance coverage, including all-risk protection

  • Willing to insure previously owned mobile homes of any age — rare among other insurers

  • Online quote tool lets you purchase a policy online in just minutes

Cons

  • Website lacks detailed information about all of its coverage and discount options available

  • Received around 18% more customer complaints in 2021 expected for a company of its size

  • Not available in Florida, Hawaii, or Washington, D.C.

award icon

2024 policycentral award winner

Auto-Owners Insurance

Auto-Owners home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

$

$

$

Why we chose itchevron icon

Auto-Owners home insurance policies are among the most affordable and customizable around. They’re backed by impeccable financial ratings, making it a great coverage option in the 26 states where it’s available.

Pros and conschevron icon

Pros

  • Affordable rates

  • Several additional coverage options

  • Up to 12 available discounts

Cons

  • Only available in 26 states

  • Not able to get quotes or file claims online

Bamboo Insurance

Bamboo Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Bamboo is an excellent option for California and Arizona homeowners who’ve struggled to find home insurance elsewhere. It’s one of the few home insurers still writing policies in the Golden State — many have pulled out due to the high risk of wildfires.

Pros and conschevron icon

Pros

  • Available in high-risk areas of California

  • Offers coverage for regular homes, vacant properties, rentals, and vacation homes

Cons

  • Not included in the NAIC complaint index, meaning we weren’t able to rate Bamboo on customer service

  • Policy cost information not available as of Feb. 2024

Berkshire Hathaway Guard Insurance Companies

Berkshire Hathaway Guard Insurance Companies logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

Berkshire Hathaway Guard Insurance offers home insurance policies in 23 states — including California and Texas — to protect high-risk homes that other carriers won’t.

Pros and conschevron icon

Pros

  • Available in high-risk states like Texas and California where it’s more difficult to find coverage

  • Offers lots of coverage add-ons, including inflation guard, water backup, service line, earthquake, sinkhole, and equipment breakdown protection

  • Mobile app available to easily file claims, manage your policy, and pay your premiums from the palm of your hand

Cons

  • Annual rates are $2,400 more expensive than the national average

  • Doesn’t advertise guaranteed or extended replacement cost coverage for your home on its website

  • Can’t get a quote online — must fill out an online form to get connected with an agent

Chubb

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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$

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Why we chose itchevron icon

Chubb home insurance is ideal for high-value properties, offering robust policy add-ons like replacement cost coverage for your home and belongings, advanced digital tools, and a personalized loss-settlement process if you need to file a claim.

Pros and conschevron icon

Pros

  • Extended replacement cost coverage

  • Cash-out claim settlements

  • Complimentary wildfire and hurricane mitigation services

Cons

  • Only insures high-value homes

  • Below-average J.D. Power customer satisfaction ratings

Cincinnati Insurance

Cincinnati Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Cincinnati Insurance home insurance scores high in customer service, financial stability, and quality coverage options for high-net worth individuals.

Pros and conschevron icon

Pros

  • Earns 5-star ratings for customer service, financial stability, and coverage options

  • Valuable policy add-ons, including excess flood insurance, earthquake coverage, wildfire protection services, emergency event cancellation coverage, child abduction protection, and more

  • Offers single-deductible claims if you bundle your home and auto policies, as well as a deductible waiver for expensive claims

Cons

  • Only insures homes valued at $1 million or more

  • Not available in Alaska, Mississippi, Oklahoma, or South Dakota

  • No online quote tool

Citizens Property Insurance

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starHalf orange starEmpty gray starEmpty gray star

2.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

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Why we chose itchevron icon

As Florida’s version of the Fair Access to Insurance Requirements (FAIR) Plan, Citizens home insurance might be a good fit if you’ve struggled to qualify for coverage due to multiple past claims, living in a high-risk coastal area, or having an old roof.

Pros and conschevron icon

Pros

  • Provides homeowners insurance to high-risk homes that are often denied coverage by private insurers

  • Wind, flood, and dwelling fire insurance policies available

  • Sets up catastrophe response centers after natural disasters to offer in-person support to homeowners without power or means of communication

Cons

  • Rates are nearly 3 times higher than the national average — and the insurer proposed a 12% rate hike in June 2023

  • Fewer coverage options and lower limits than competitors

  • No online quote tool

Country Financial

Country Financial logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

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Why we chose itchevron icon

Country Financial home insurance is perfect for homeowners looking for a financially stable company with superb customer service scores and lots of coverage add-ons to ensure your home is fully protected.

Pros and conschevron icon

Pros

  • Excellent customer service rating — received fewer complaints than other similar-sized insurers in 2021

  • Slew of coverage add-ons, including guaranteed replacement cost, flood and earthquake coverage, and water backup protection

  • Mobile app and online chat feature to easily manage your policy, file claims, and talk to a customer service rep

Cons

  • Rates are 43% more expensive than the national average

  • Only available in 19 states

Encompass

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

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Why we chose itchevron icon

Encompass is an excellent option if you’re looking for comprehensive coverage add-ons with higher limits than what you’d find in a standard home insurance policy, including extended replacement cost coverage of up to 200% of your home’s value.

Pros and conschevron icon

Pros

  • Save up to 30% when you bundle your home and auto insurance

  • Guaranteed replacement cost coverage for your home available

  • Accepts all dog breeds — rare among insurance companies

Cons

  • Rates are nearly 25% higher than the national average

  • Can’t file insurance claims online

  • Not available in 10 states — Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming

award icon

2024 policycentral award winner

Erie

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Erie home insurance features a wide variety of coverage options and highly-rated customer service at an affordable rate, making it a great option in the 12 states where it’s available.

Pros and conschevron icon

Pros

  • Cheap rates

  • Guaranteed replacement cost comes standard on Erie policies

  • Excellent customer service and claims satisfaction ratings

Cons

  • Only available in 12 states

  • Just three available discounts

  • Can’t get quotes or file claims online

Farm Bureau

Farm Bureau Financial Services logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Farm Bureau offers exceptional customer service and the option to bundle a slew of insurance policies on top of just home insurance to save money on rates.

Pros and conschevron icon

Pros

  • Excellent customer service score — received 99% fewer complaints expected for a company of its size in 2021

  • Excellent financial strength rating from A.M. Best, proving it likely has the funds to pay out claims in the wake of a natural disaster

  • Only pay one deductible if your home, car, and boat are damaged in the same event and you bundle your insurance policies with Farm Bureau

Cons

  • Rates are $1,400 more expensive than the national average

  • Only available in 8 states throughout the West

  • Need to have a Farm Bureau membership in your state to purchase insurance

award icon

2024 policycentral award winner

Farmers

Farmers Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Farmers home insurance is a good option for homeowners looking for a robust lineup of coverage add-ons at a decent price to ensure your home, belongings, and personal liability are fully protected.

Pros and conschevron icon

Pros

  • Above-average property claims satisfaction rating with J.D. Power

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s digital experience survey

FedNat Insurance

FedNat Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starHalf orange starEmpty gray starEmpty gray star

2.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

FedNat Insurance went out of business last year and is no longer writing home insurance policies. Find out what this means if you still have an open claim with FedNat, and explore alternative home insurance companies.

Pros and conschevron icon

Pros

  • Available in high-risk states that are often difficult to find coverage in

Cons

  • Terrible customer service ratings — it received over 5 times the number of complaints of similar-sized insurers in 2021

  • Poor outlook for the financial stability and future of the company

Florida Peninsula Insurance

Florida Peninsula Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Florida Peninsula Insurance offers extensive home insurance coverage options to Florida homeowners — though it has one of the worst customer service ratings of the companies we reviewed.

Pros and conschevron icon

Pros

  • Specializes in coverage for Florida homeowners who may not have other options

  • Wide range of policy add-ons available, including flood, water backup, sinkhole, and equipment breakdown coverage

Cons

  • Average rates are 10% more expensive than the already-high Florida state average

  • Received 4 times the number of customer complaints expected for a company of its size in 2021

  • Underpaid claims by more than 80% for policyholders with homes destroyed by Hurricane Ian

award icon

2024 policycentral award winner

Foremost

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Foremost is a great option for homeowners who’ve been denied coverage by traditional insurance companies. It’s willing to insure high-risk homes that are older, showing obvious signs of wear and tear, have an extensive claims history, and more.

Pros and conschevron icon

Pros

  • Insures high-risk homes that are older, showing signs of wear and tear, or have a history of claims

  • Works with homeowners with bad credit

  • Offers guaranteed and extended replacement cost coverage for your home

Cons

  • Rates are 27% higher than the national average

Geico

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Geico home insurance is best for homeowners looking to bundle their home insurance policy with their Geico auto insurance policy to score a multi-policy discount.

Pros and conschevron icon

Pros

  • Available in all 50 states

  • Bundling discount to save on home & auto insurance

  • Easy-to-use app to manage policy

Cons

  • Not a direct insurance carrier

  • Cost varies by company Geico places you with

  • Customer service & claims options vary by company

Grange Insurance

Grange Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Grange Insurance is best suited for homeowners who prefer to work with a local agent to get a quote — you can't get a home insurance quote online. However, it makes up for it with its mobile app that makes managing your policy and filing claims a breeze.

Pros and conschevron icon

Pros

  • Rates are 10% cheaper than the national average

  • Received around 65% fewer complaints than other insurers of its size in 2021

  • Mobile app makes it easy to manage your policy and file claims

Cons

  • Only available in 13 states

  • No option for online quotes

  • Doesn’t offer flood insurance

The Hanover

The Hanover Insurance Group logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

The Hanover home insurance policies come with a slew of quality coverage add-ons, high customer service marks, and a mobile app to easily manage your policy and file claims.

Pros and conschevron icon

Pros

  • Offers three tiers of coverage for all types of homes, including a specialized policy for high-value homes

  • Received 85% fewer complaints in 2021 according to the NAIC complaint index

  • Mobile app allows you to manage your policy, contact your agent, and report claims on the go

Cons

  • Rates are nearly 50% higher than the national average

  • Only available in 27 states and Washington, D.C.

  • No online quote tool or live-chat feature on its website

The Hartford

The Hartford & AARP home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

The Hartford’s partnership with AARP makes it an excellent home insurance option for homeowners who are already AARP members. There are no age restrictions on AARP membership, though their benefits are aimed mainly at people over 50.

Pros and conschevron icon

Pros

  • High ratings for financial stability, customer service, and coverage options

  • Mobile app makes it easy to report and track claims, view digital ID cards, and update your policy

  • Disappearing deductible program if you go three years without filing a claim

Cons

  • Must be an AARP member to purchase a policy

  • Rates are 27% higher than the national average

  • Not available in all 50 states

award icon

2024 policycentral award winner

Hippo

Hippo home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Hippo home insurance is a great option for homeowners willing to install smart home monitoring kits that detect everything from break-ins to water leaks in order to keep rates low.

Pros and conschevron icon

Pros

  • Affordable rates

  • Several tech-friendly discounts and incentives

  • Complimentary home maintenance service

Cons

  • Not able to file claims online

  • Lack of industry reputation

  • Tech-forward approach may not appeal to everybody

Homeowners Choice

Homeowners Choice logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Homeowners Choice insurance is best for Florida homeowners who are looking to purchase both home and private flood insurance coverage. It’s one of few insurers willing to write policies in The Sunshine State.

Pros and conschevron icon

Pros

  • Specializes in coverage for Florida homeowners in high-risk areas

  • Offers private flood insurance coverage

  • Earns an A (Exceptional) score with financial strength rating company Demotech

Cons

  • Receives nearly 6 times the number of complaints than other insurers of its size

  • Can’t bundle home and auto insurance

  • Website provides very little information and transparency about coverages it offers

Homesite

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Homesite home insurance comes with affordable rates that are 25% lower than the national average — plus you can choose from 15 policy add-ons to ensure your home is fully protected.

Pros and conschevron icon

Pros

  • Affordable rates nearly 25% cheaper than the national average

  • 15 policy add-ons for extra protection, including extended replacement cost coverage

  • Offers flood and earthquake insurance, plus complimentary wildfire protection and mitigation services

Cons

  • Low score in J.D. Power’s claims satisfaction study

Kemper

Kemper logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Kemper home insurance is ideal for homeowners looking for cheap insurance that doesn’t fall flat on customer service. Its average rates are nearly $1,000 below the national average, and it receives 50% fewer complaints than other companies of its size.

Pros and conschevron icon

Pros

  • Cheap rates nearly $1,000 below the national average

  • Offers three levels of coverage to tailor your policy to your needs and budget

  • 50% fewer customer complaints than other insurers of its size

Cons

  • Only available in 18 states

  • Website lacks detailed policy information and it doesn't offer a mobile app

  • Only offers 4 discounts

Kin

Kin insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Kin homeowners insurance is ideal for homeowners in California, Florida, Louisiana, and South Carolina who aren’t afraid to work with a company based solely online.

Pros and conschevron icon

Pros

  • Available in Alabama, Arizona, Florida, Louisiana, Mississippi, and South Carolina — states at high risk of weather-related damage and often difficult to find coverage in

  • Claims to save homeowners an average of $730 when they switch to Kin

  • Offer private flood insurance endorsement — rare among other insurance companies

Cons

  • No local agents to meet with in person

  • Can’t bundle your home and auto insurance

Lemonade

Lemonade home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Lemonade uses technology to make purchasing homeowners insurance through its app fast and painless, while still receiving high scores for customer service.

Pros and conschevron icon

Pros

  • Its app offers quick, easy service — whether you’re purchasing a policy, making a claim, or paying your premium

  • Donates any unused portion of your premium — after paying fees and claims — to a charity of your choice through its Lemonade Giveback program

  • Earns a perfect 5-star customer experience rating thanks to the minimal number of complaints it received in 2021

Cons

  • Only available in 22 states and Washington, D.C.

  • Doesn’t have financial stability rating from A.M. Best like older, larger companies

  • Doesn't offer in-person customer service

Liberty Mutual

Liberty Mutual home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Liberty Mutual is a good option for homeowners nationwide who are looking for a robust lineup of policy add-ons, including guaranteed replacement cost coverage, water backup protection, inflation guard coverage, and flood insurance through the NFIP.

Pros and conschevron icon

Pros

  • 10+ discounts available to lower rates

  • Offers water backup coverage, inflation protection, and flood insurance

  • Available in all 50 states and Washington, D.C.

Cons

  • Below-average scores in J.D. Power’s overall customer satisfaction and digital experience surveys

  • 3 times more complaints than other similar-sized insurance companies

MAPFRE Insurance

MAPFRE Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

MAPFRE Insurance boasts a wide range of home insurance coverage add-ons, fewer customer complaints than other insurers, and affordable rates in the 13 states it writes policies in.

Pros and conschevron icon

Pros

  • Average annual rates are nearly $800 cheaper than the national average

  • Policy perks include cash-settlement option if your home is completely destroyed in a covered loss and you decide not to rebuild, plus a deductible waiver for claims over $50,000

  • Special home restoration program that pays the full cost to restore your historical home using authentic materials — regardless of your policy limits

Cons

  • Only available in 13 states throughout the Northeast and West Coast

  • Only offers four discounts to save on costs — fewer than other home insurance companies

Mercury

Mercury home and auto insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.1

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Mercury home insurance has an impressive array of coverage options, bundling discounts, and is one of the top-rated companies for web and mobile experience, making it a solid option for homeowners in the 10 states where it’s available.

Pros and conschevron icon

Pros

  • Lower than average rates

  • Optional equipment breakdown, service line, and water backup coverage

  • No minimum dwelling coverage limit requirements

Cons

  • Strict roof underwriting restrictions

  • Higher-than-average number of customer complaints

  • Only available in 10 states

Mutual of Enumclaw

Mutual of Enumclaw logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Mutual of Enumclaw offers low prices, high customer service ratings, and invaluable wildfire coverage in every home insurance policy.

Pros and conschevron icon

Pros

  • Wildfire insurance and private firefighter services included in all policies at no extra cost

  • Prices are $1,200 below the national average

  • Offers an app for paying bills, reporting claims, and viewing your policy

Cons

  • Only available in Washington, Oregon, Idaho, Utah, Arizona, Montana, and Wyoming

  • No online quote option

Narragansett Bay

Narragansett Bay home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Narragansett Bay offers exceptional coverage at an affordable price in eight New England and Mid-Atlantic states.

Pros and conschevron icon

Pros

  • Affordable rates 20% below the national average

  • Exceptional customer service scores — it received 99% fewer complaints expected for a company of its size in 2021

  • Offers in-person home reviews to ensure you have the right amount of coverage and to identify areas of your home vulnerable to damage or safety threats

Cons

  • Only available in 8 states throughout New England and the Mid-Atlantic

  • Can’t bundle your home and auto insurance

National General

National General logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

National General home insurance is the ideal mix of low prices, reliable customer service, and plenty of coverage options to suit the needs of many types of homeowners.

Pros and conschevron icon

Pros

  • Affordable rates nearly 50% cheaper than the national average

  • Offers both private flood insurance and coverage through the National Flood Insurance Program

  • Received 70% fewer complaints than other insurers of its size in 2021

Cons

  • Doesn’t offer coverage for mobile or manufactured homes

award icon

2024 policycentral award winner

Nationwide

Nationwide logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Nationwide stands out for its multiple extended dwelling coverage options and high claims satisfaction ratings, making it a choice insurance option for homeowners in states prone to hurricanes or wildfires.

Pros and conschevron icon

Pros

  • Multiple high-quality coverage options

  • Highly rated for claims satisfaction with J.D. Power

  • Available in most states

Cons

  • Below-average customer satisfaction and digital experience ratings

  • Won’t cover Airbnbs or other short-term rentals

NJM Insurance

NJM Insurance

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

NJM Insurance offers a slew of home insurance coverage add-ons to customize your policy while keeping customer service high and prices low.

Pros and conschevron icon

Pros

  • Cheap rates and 9 discounts to save even more, including ones for being a non-smoker and owning a backup generator

  • Excellent NAIC score for customer service — received 100% fewer complaints than other insurers of its size in 2021

  • Offers a variety of lesser-seen endorsements, such as earthquake, flood, and assisted living care coverage

Cons

  • Only available in five states — Connecticut, Maryland, New Jersey, Pennsylvania, and Ohio

  • Doesn’t offer mobile app or customer service via online chat

award icon

2024 policycentral award winner

NYCM Insurance

NYCM Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

NYCM Insurance packs a punch with better service and more coverage options than the average home insurance policy at half the price.

Pros and conschevron icon

Pros

  • Average annual rates are $500 cheaper than the state average

  • Earns 5-star ratings for customer service, financial stability, and coverage options

  • Valuable policy add-ons, including NFIP and excess flood insurance, water backup protection, equipment breakdown coverage, and more

Cons

  • Only available in New York

  • No online quotes — must contact a local NYCM agent

award icon

2024 policycentral award winner

Openly

Openly logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Openly insurance is ideal for homeowners with high-value homes up to $5 million who are looking for a policy they can customize to fit their unique needs, though it’s only available in 21 states.

Pros and conschevron icon

Pros

  • Offers up to $5 million in coverage for high-value homes

  • Robust lineup of policy add-ons with high limits to customize coverage to fit your needs

  • No restrictions on pools without fences or dangerous dog breeds

Cons

  • Only available in 21 states

  • Fewer home insurance discounts than competitors

  • Not included in J.D. Power’s customer satisfaction studies

Orchid Insurance

Orchid Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Orchid Insurance is best for high-value homes and those at risk of severe weather damage all across the country.

Pros and conschevron icon

Pros

  • Specializes in coverage for both high-risk and high-value homes — including 5-star policy add-ons, such as flood, earthquake, and wind-only coverage

  • Only partners with home insurance companies rated A- or higher with A.M. Best

  • Available in all 50 states — including areas at high risk of storm damage

Cons

  • Not a direct insurance carrier — this means cost, customer service, and claims options varies depending on the company you’re placed with

  • Doesn’t cover mobile or manufactured homes

  • Website is geared toward agents and lacks coverage & discount information for homeowners

Pacific Specialty

Pacific Specialty logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Pacific Specialty home insurance comes with a slew of valuable policy add-ons to customize coverage that fits your unique needs.

Pros and conschevron icon

Pros

  • Affordable rates that are $800 cheaper than the national average — plus a slew of discounts to cut down costs even more

  • Offers a slew of valuable coverage add-ons, including NFIP, private, and excess flood insurance; mortgage payment protection; water backup and equipment breakdown coverage; and more

  • Available in all 50 states and Washington, D.C.

Cons

  • No online quote tool, mobile app, or online claim filing

  • Can’t make policy changes online — must contact your local agent

Plymouth Rock

Plymouth Rock logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Plymouth Rock is ideal for homeowners in the Northeast looking for cheap rates that are 60% below the national average, as well as lots of coverage add-ons.

Pros and conschevron icon

Pros

  • Cheap rates that are around 60% lower than the national average

  • Guaranteed replacement cost coverage for your home available

  • Offer private flood insurance with up to $2 million in coverage through its partnership with Neptune Flood

Cons

  • Doesn’t offer replacement value coverage for your personal belongings

  • Only available in six states throughout the Northeast

Progressive

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

As an insurance broker, We recommend Progressive home insurance if you’re looking to purchase home and auto insurance at the same time to score a multi-policy discount. Otherwise, you’re likely better off working with an insurance carrier directly.

Pros and conschevron icon

Pros

  • Available in all states except Alaska and Hawaii

  • Slew of policy and discount options available

  • Easy-to-use app to manage policy

Cons

  • Not a direct insurance carrier

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

PURE Insurance

PURE Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

PURE Insurance offers extensive home insurance coverage, high limits, and specialized services to high-net worth individuals looking to protect their luxury lifestyle.

Pros and conschevron icon

Pros

  • Earns a perfect 5-star rating in every category in our analysis: price, customer experience, coverage options, and financial strength

  • Offers complimentary risk assessment program to all policyholders, as well as wildfire and hurricane mitigation services to homeowners in high-risk areas

  • Additional policy add-ons include private flood insurance, increased coverage limits for high-value items, and a cash-out settlement option

Cons

  • Only insures homes valued at $1 million or more

QBE Insurance

QBE Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

QBE Insurance earns high marks for its strong financial stability ratings and decent customer experience score, but it’s not transparent about costs, coverages, or discounts available.

Pros and conschevron icon

Pros

  • Available in all 50 states and Washington, D.C.

  • Strong financial strength rating with A.M. Best and established company history

  • Offers flood insurance through the National Flood Insurance Program

Cons

  • Limited information about discounts and coverage options available on its website

  • No online quote tool and difficult-to-navigate website

Safeco

Safeco Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Safeco home insurance could be a good pick for homeowners looking to bundle their home and auto insurance policies with one company, as it offers both a multi-policy discount and single-deductible claims if your car and home are damaged in the same event.

Pros and conschevron icon

Pros

  • Affordable rates — 15% below the national average

  • Extended replacement cost coverage for your home available

  • Only pay one deductible if your home and car are damaged in the same event when you bundle policies with Safeco

Cons

  • Not available in Alaska, Delaware, Florida, or Hawaii

  • Doesn’t offer water backup coverage or flood insurance

  • Below-average score in J.D. Power’s overall customer satisfaction study

Safety Insurance

Safety Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Safety Insurance offers affordable, robust home insurance with excellent customer service and financial stability ratings to homeowners in Maine, Massachusetts, and New Hampshire.

Pros and conschevron icon

Pros

  • Cheap rates are 50% below the national average

  • Excellent coverage add-ons, including water backup, service line, equipment breakdown, and ordinance or law

  • Received 90% fewer customer complaints than expected for a company of its size in 2021

Cons

  • Only available in Maine, Massachusetts, and New Hampshire

  • Doesn’t offer flood insurance — a valuable coverage for New England homeowners

SageSure

SageSure home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Offering separate coverage for flood and wind damage, SageSure home insurance is a great option for coastal homes that need extra protection from severe weather.

Pros and conschevron icon

Pros

  • Insures homes in high-risk areas other insurance companies won’t touch

  • Specializes in coverage related to storm damage, including flood and windstorm protection

  • Its reinsurance policies offer customers added assurance that claims will be paid if disaster strikes

Cons

  • Can’t get an online quote — must reach out to a SageSure agent

  • Only available in 14 states throughout the South and Northeast

Shelter Insurance

Shelter Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Shelter Insurance specializes in home insurance coverage for homeowners in states at high risk of earthquake, wildfire, winter storm, and tornado damage.

Pros and conschevron icon

Pros

  • Earns a 5-star rating for its customer service and coverage options

  • Offers both private flood insurance and government-backed coverage through the National Flood Insurance Program

  • Mobile app makes it easy to manage your policy, make payments, and file claims from the palm of your hand

Cons

  • Rates are around $900 more expensive than the national average

  • Only available in 15 states throughout the Midwest and South

Slide Insurance

Slide Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

As other home insurance companies are leaving Florida or going out of business altogether, Slide Insurance has been purchasing renewal rights and selling new home insurance policies.

Pros and conschevron icon

Pros

  • Offers coverage to Florida homeowners who may not have other options

  • Earns A (Exceptional) rating from Demotech for its financial strength and stability

Cons

  • Still too new to gauge customer service around claims and policy management

  • Website lacks detailed information about all of its coverage and discount options available

  • Doesn’t offer a mobile app, access to an online account, or online quotes

State Auto

State Auto logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

State Auto home insurance is best for homeowners looking to find some of the lowest rates in the industry without compromising on coverage. It has the cheapest cost of all of the companies we reviewed, with an average rate of $857 per year.

Pros and conschevron icon

Pros

  • Cheapest overall rates of the companies we reviewed

  • Extended replacement cost coverage of up to 25%

  • 15+ coverage add-ons for enhanced protection

Cons

  • Doesn’t offer guaranteed replacement cost coverage

  • Doesn’t offer flood insurance

  • Only available in 28 states

award icon

2024 policycentral award winner

State Farm

State Farm logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

State Farm home insurance scores a near-perfect score thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

award icon

2024 policycentral award winner

Stillwater

Stillwater Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Stillwater is a great option if you’re looking for low rates, a ton of discount opportunities, and lots of coverage add-ons. It’s also willing to work with homeowners who’ve had a lapse in coverage — rare to find in the insurance industry.

Pros and conschevron icon

Pros

  • Insures homes that had a lapse in insurance coverage

  • Rates lower than the national average, plus 15 discounts to save even more

  • Offers a slew of coverage add-ons

Cons

  • Doesn’t have as strong financial strength rating as other insurers

  • Wasn’t included in J.D. Power’s 2022 customer satisfaction surveys

  • Not available in Louisiana

Swyfft

Swyfft home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Swyfft homeowners insurance is best for convenience, potentially low premiums, and those who don’t mind taking their chances on what is a relatively untested insurance company.

Pros and conschevron icon

Pros

  • Offers up to $100,000 in blanket personal valuables coverage

  • Other than liability claims, prior losses don’t count against you

  • Optional sinkhole coverage

Cons

  • High number of customer complaints

  • Lack of industry reputation

  • Only available in 5 states

Tower Hill

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

B

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Tower Hill home insurance offers cheap rates and lots of coverage add-ons, including a rare private flood insurance endorsement with up to $5 million in protection.

Pros and conschevron icon

Pros

  • Private flood insurance endorsement with up to $5 million in coverage

  • Cheap rates that are 50% lower than the national average

  • 20+ coverages and policy add-ons available

Cons

  • AM Best rating downgraded to B (fair) in Oct. 2022

  • Averaged 5 times more complaints than similar insurance companies in 2021

  • Only available in 21 states

award icon

2024 policycentral award winner

Travelers

Travelers home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Travelers is one of the oldest and most trusted home insurance providers in the business thanks to its industry-best financial ratings, flexible policy options for most home types and budgets, and availability in nearly every U.S. state.

Pros and conschevron icon

Pros

  • Green home coverage and discounts

  • Offers short-term rental coverage for Airbnb hosts

  • Doesn’t require prior insurance on the home

Cons

  • Subpar customer service ratings with J.D. Power

  • Underwhelming number of available discounts

UPC Insurance

UPC Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

UPC Insurance is no longer writing home insurance policies. Find out why it’s not renewing any policies in 2023 — and what this means if you currently have coverage with the insurer.

Pros and conschevron icon

Pros

  • Available in high-risk states that are often difficult to find coverage in

Cons

  • Terrible customer service ratings — it received over 10 times the number of complaints of similar-sized insurers in 2021

  • Poor outlook for the financial stability and future of the company

award icon

2024 policycentral award winner

USAA

USAA logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

USAA is the best home insurance option on the market for active duty military members, veterans, and their families, consistently scoring the best in J.D. Power’s customer and claims satisfaction studies.

Pros and conschevron icon

Pros

  • Affordable rates

  • Over a dozen additional coverage options

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Limited to people affiliated with the U.S. military

Our home insurance company ratings methodology

We don’t get paid for our company reviews and use a weighted rubric to determine each company’s rating based on four key areas: price, customer experience, coverage options, and financial strength. 

Our unbiased research includes analyzing average home insurance premiums in 2022 from Quadrant Information Services; financial strength ratings from AM Best, Moody’s, and S&P; J.D. Power customer experience surveys; the National Association of Insurance Commissioners Complaint Index Report; and discount and coverage options listed on each insurer’s website. 

As an insurance marketplace, some of the companies listed above are policycentral partners who offer coverage through our licensed agents. However, this does not influence how we rate these companies, and you’ll see a disclaimer on any reviews for our partner carriers.

Learn more >> How we rate homeowners insurance companies

Other home insurance reviews

Author

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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