The average home insurance cost has risen by 24%, reaching a new historical high. Chances are, your next renewal notice will come with a bigger premium than you expect. Even if it doesn’t, there’s a good chance you could find cheaper coverage elsewhere.
So what are the best home insurance companies?
Home insurance needs vary. The right provider for you will depend on factors like location, home value, and coverage preferences. To help you make a confident decision, this guide breaks down the best-rated home insurance companies and what makes each one worth a look.
Top Home Insurance Companies of 2025
| Insurance Company | Overall Satisfaction | Percentage of Users Who Would Buy Again | Price Satisfaction | Service Satisfaction | Best For |
|---|---|---|---|---|---|
| 1. Chubb | 4.5 ⭐ | 87% | 4⭐ | 4⭐ | Best overall home insurance coverage |
| 2. USAA | 4.5⭐ | 73% | 4⭐ | 4.5⭐ | Best for people who are part of the military community |
| 3. Amica | 4.5 ⭐ | 71% | 4⭐ | 4.8⭐ | Best affordable homeowners insurance |
| 4. Erie Insurance | 4 ⭐ | 69% | 4⭐ | 4.5⭐ | Best for affordable premiums and regional service |
| 5. Nationwide Insurance | 4 ⭐ | 67% | 3.5 ⭐ | 4⭐ | Best for bundling and broad coverage options |
| 6. Universal Insurance | 4 ⭐ | 66% | 4⭐ | 4⭐ | Best for competitive rates in high-risk markets |
| 7. Allstate | 4 ⭐ | 64% | 4 ⭐ | 4⭐ | Best for accessible agents and strong digital tools |
| 8. Auto-Owners Insurance | 4 ⭐ | 61% | 3.5⭐ | 4⭐ | Best for new homes |
| 9. The Hartford | 4 ⭐ | 60% | 3.5 ⭐ | 4⭐ | Best for seniors and AARP members |
| 10. AIG | 4 ⭐ | 58% | 4⭐ | 4⭐ | Best for high-value homes and specialized coverage |
| 11. American Family Insurance | 4 ⭐ | 58% | 3.5 ⭐ | 4⭐ | Best for customizable home insurance policies |
| 12. Farmers Insurance | 4 ⭐ | 57% | 3.5 ⭐ | 4⭐ | Best for guaranteed replacement cost coverage |
| 13. Travelers Insurance | 4 ⭐ | 52% | 3.5 ⭐ | 4⭐ | Best for flexible coverage and substantial discounts |
| 14. Liberty Mutual | 4 ⭐ | 46% | 3.5 ⭐ | 4⭐ | Best for easy online quotes and bundling options |
What Makes a Home Insurance Provider “Best”?
To rank on our list of the best insurance companies for homeowners insurance, a provider must be top-rated in factors that directly impact how well they protect your home and finances. From paying claims promptly and keeping pricing fair to offering flexible coverage options and providing a smooth experience from quote to payout, the best home insurance companies deliver at every step
We combined feedback from EverQuote’s national survey with industry-standard benchmarks to give you a well-rounded view of each insurer’s strengths.
Financial Strength and Claims Reliability
One of the most important factors to consider before buying a policy is a company’s financial stability and ability to pay your claim, especially after a major disaster. To identify insurers you can count on when it matters most, we evaluate each company’s financial capabilities using:
- AM Best and S&P ratings to measure financial stability
- Claim performance data to see how quickly and fairly an insurer pays claims
- EverQuote's service satisfaction score to capture real customers’ experiences during the claim process
Coverage Flexibility and Add-On Option
Top home insurance companies offer flexibility beyond the standard coverage. They let you customize policies based on your risk profile and budget.
We considered providers that offer multiple policy types, ranging from basic protection for budget-conscious buyers to comprehensive coverage for broader risks, plus options like renters' or condo insurance. The best insurers also offer optional protection against natural disasters like hurricanes or floods.
Customer Satisfaction and Support Reputation
EverQuote’s survey results allowed us to evaluate how each insurer treats its customers. We paid attention to home insurance companies with high scores in overall satisfaction and customer service ratings. These indicators reflect an insurer's effort to make the insurance experience as stress-free as possible.
Tips for Comparing Home Insurance Providers and Finding the Right One for Your Needs
Finding the best home insurance requires you to understand your coverage needs, the amount you’re willing to spend, and the insurer's reputation. To find the right provider for your needs:
- Shop around and compare home insurance quotes from multiple providers to find an insurer that matches your budget and coverage needs.
- Use agencies like AM Best and Moody’s to confirm the insurer’s ability to pay claims, especially after a major disaster.
- Review the customer satisfaction scores and verified user reviews to see what real customers say about the company’s overall reliability.
- Choose a provider that offers the policy types and add-ons you need.
- Ask about discounts. Many companies offer savings for bundling home and auto insurance, which can significantly lower your annual cost.
- Compare deductible options. While a higher deductible can reduce your premium, make sure it’s an amount you can comfortably afford to pay if you need to file a claim.
- Read the fine print to understand exclusions not covered by your policies.
Compare Home Insurance Quotes and Save Today
The best home insurance company for your needs depends on your location and specific coverage needs. While an insurer can offer the lowest price in one region, another could be competitive elsewhere. Plus, the cheapest option isn’t always the best fit.
To get the best value, compare custom quotes for the same level of coverage from multiple insurers. Such a comparison helps you narrow down the most affordable and reliable options for your needs. Start a free custom comparison with EverQuote today to find a home insurance provider that offers you the right balance of price and protection.