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Homeowners insurance protects your biggest asset, so you need the best coverage. With so many home insurance companies out there, finding the right choice can be a big task. Fortunately, we’ve done all the work for you and ranked the best homeowners insurance companies by price, customer satisfaction and more.

Based on a wide-ranging analysis of third-party data and an insurance consumer survey by Insurance.com’s sister site, Insure.com, our No. 1 pick for the best home insurance company overall is Erie. It earns our top star rating in multiple categories, including customer satisfaction, and has low rates. Amica is in second place, and Auto-Owners landed in third place.

Find the best homeowners insurance for your needs in the rankings below.

Key takeaways

  • Erie is the best homeowners insurance company in the U.S., based on a customer survey and third-party data.
  • Amica and Auto-Owners round out the top three best home insurance companies, and Amica is also the cheapest homeowners insurance company.
  • The best home insurance companies offer affordable rates, a good reputation for handling claims and great customer service.

Compare the best home insurance companies

There are many ways to rank insurance companies; in the end, your needs will determine which company is best for you.

What makes a home insurance company one of the best? It starts with great rates but also includes expanded coverage options, discounts and a solid reputation for taking good care of customers, especially when it comes to claims.

“The best home insurance companies will have a long-lasting, reputable business. They should be timely and fair when handling claims for their policyholders. They should be able to offer an array of coverages to fit each customer's needs, as well as offer several discounts to insureds to help save money and encourage home safety features. The 'best' home insurance companies should be able to address all customers' questions and concerns, and provide excellent customer service at all times,” says Lauren McKenzie, an insurance agent with A Plus Insurance in Liberty, S.C.

Insurance.com surveyed current home insurance customers and gathered average rates fielded by Quadrant Data Services. In addition, the editors gathered discount details and ratings from sources like the National Association of Insurance Commissioners (NAIC) and AM Best to help you compare home insurance companies with ease. See the full methodology below.

The best homeowners insurance companies overall

These companies were ranked as the best insurance companies for homeowners overall for 2024. Star ratings are out of five.

RankCompanyOverall ratingCustomer satisfaction rating
11. Erie Overall rating:
4.6
Customer satisfaction rating:
4.4
22. Amica Overall rating:
4.6
Customer satisfaction rating:
4.0
33. Auto-Owners Overall rating:
4.5
Customer satisfaction rating:
3.9
44. State Farm Overall rating:
4.3
Customer satisfaction rating:
4.2
55. Allstate Overall rating:
4.2
Customer satisfaction rating:
4.2
55. American Family Overall rating:
4.2
Customer satisfaction rating:
4.1
77. Nationwide Overall rating:
3.9
Customer satisfaction rating:
4.1
88. Farmers Overall rating:
3.8
Customer satisfaction rating:
3.9
99. Travelers Overall rating:
3.7
Customer satisfaction rating:
4.0
1010. Progressive Overall rating:
3.4
Customer satisfaction rating:
4.1

Erie: 4.6

Erie earned the top spot for 2024 with low rates, top scores for customer service, policy offerings, claims and more. It’s not the cheapest company on the list, but a 17% home and auto bundling discount sweetens the deal.

Erie has an A+ rating with AM Best for financial stability and topped J.D. Power’s overall satisfaction and claims satisfaction surveys for 2023. An impressive 97% of customers on our survey plan to renew with Erie.

Amica: 4.6

Coming in just under Erie for a second-place finish, Amica is the cheapest home insurance company on our survey for 2024, which helped propel it to No. 2. Its average rate of $2,000 a year is $600 lower than the national average of $2,604.

Amica earned second place on J.D. Power’s overall satisfaction and claims satisfaction surveys as well, and has an A+ rating with AM Best.

Auto-Owners: 4.5

The biggest downside of this company is that it isn’t available nationwide. However, in the 26 states where Auto-Owners does offer coverage, it shines. A low complaint ratio and low rates helped earn this company the third-place spot overall in our rankings.

Auto-Owners operates solely through agents, so online quoting isn’t available, which may also be a downside for those insurance shoppers who prefer to do everything online.

State Farm: 4.3

State Farm is the top insurance company in America by market share, and it always ranks among the best home insurance companies. This year, it landed at No. 4 on the list and shines for customer service and ease of service; 94% of customers plan to renew.

State Farm operates through captive agents but has a robust online/mobile system for quoting and managing your policy.

Allstate: 4.2

Low rates and a high customer satisfaction rating landed Allstate in the No. 5 spot. One of the best-known names in insurance, Allstate is among the biggest by market share and is a very stable company.

Allstate has a good array of home insurance discounts to get rates down and also offers a solid home and auto bundling discount.

American Family: 4.2

American Family home insurance customers are pleased with the service they receive; it earned the top score for ease of service and was the most-trusted company in the survey. The company also offers lower-than-average home insurance rates.

American Family home insurance isn’t available in all states but performs well where coverage is offered.

Nationwide: 3.9

Not quite as national as its name suggests, Nationwide home insurance is available in most, but not all, states. Home insurance rates are a little above the national average, but the company’s 22% bundling discount will help bring rates down.

The company performed well in the survey and offers a wide array of insurance products, making it a top pick for one-stop shopping.

Farmers: 3.8

Although Farmers' rates came in above competitors on average, the company has a long, strong reputation and scores very well in terms of claims handling with J.D. Power’s independent survey.

The home and auto bundling discount is 15%, about average, and there are plenty of other discounts available from Farmers.

Travelers: 3.7

Travelers landed in the No. 9 spot on Insure.com’s survey, with solid scores in most categories and 87% of customers recommending it. The company also has loyal customers, with 90% planning to renew, and has a top AM Best rating of A++.

Travelers’ average home insurance rates are higher than most others ranked, but rates vary widely by location, so they might be cheaper for you.

Progressive: 3.4

Known mostly for car insurance, Progressive has also become a top pick for home insurance. Low rates and bundling discounts attract customers, and good customer service keeps them loyal.

Progressive writes its own home insurance program in nearly every state but also offers policies through its agency with other companies.

Companies not ranked: While USAA was well-reviewed by customers, the company caters only to military families and veterans. If that’s you, it’s likely your best bet.

However, we chose to rank only companies without eligibility requirements. Liberty Mutual and its subsidiary, Safeco, were also not ranked, as they do not provide rates to our data partner, Quadrant. Finally, several companies were not included in the rankings due to a lack of sufficient responses in the survey for an accurate comparison.

Best home insurance companies by category

Some home insurance companies really shine in particular categories. Below are the top picks from the survey for price, customer satisfaction and more.

Cheapest home insurance: Amica

At an average of $2,000 a year, Amica has the cheapest rates of any company on our list. Allstate came in second at $2,098.

Best for customer satisfaction: Erie

In the Insure.com survey, 89% of customers said Erie was the best for customer service, above any other company in the survey.

Best for ease of service: Erie

Erie customers ranked it at the top for ease of service, beating out State Farm and other top-rated companies.

Best for policy offerings: American Family

The Insure.com survey results found customers rated American Family better than any other company in the survey for policy offerings.

Most recommended: Erie

An impressive 95% of Erie customers said they would recommend the company to others.

Most trustworthy: American Family

American Family again came out on top for trust in a very difficult category. Of the American Family customers surveyed, 89% said they trust the company.

Best for renewals: Erie

Erie once again took top honors for renewals, showing why it was the No. 1 company in the survey overall, with 97% of customers planning to renew their home insurance.

How to compare the best home insurance companies

The best insurance company for your neighbor may not be the best pick for you. That’s why it’s important to shop around and look into each company’s background.

“When choosing a home insurance company, you should look into the company to determine how long they've been in business and what their customers think of their service overall. Check out real customer reviews and look for things like billing issues, claims issues, overall customer service, etc. It is important to find an insurance provider that offers the coverage you need for your home for an affordable price. Mostly, it is important to find a home insurance company that you feel comfortable communicating with and you feel will handle any billing issue or claim efficiently and in a timely manner,” McKenzie says.

The most important thing to remember is that a cheap rate isn’t everything. The best home insurance company for you is the one you can count on to be there when you need it.

“There is nothing more frustrating than being with an insurance company that is fighting you on your claim because they do not want to pay it or they have issues with your billing, etc. Customer service and the claims process is No. 1 when searching for a good, reputable home insurance provider,” McKenzie says.

Types of homeowners insurance policies

The most common type of homeowners insurance policy is an HO-3, which is a standard package policy. There are a few other types of policies, known as “forms,” which have different codes. These provide for specific needs. Here’s an overview.

Homeowners Insurance Policies
Policy formType of coverage
HO-1 (Basic form)Actual cash value (dwelling and contents), limited named perils
HO-2 (Broad form)Replacement cost (dwelling), actual cash value (contents), extended list of named perils
HO-3 (Special form)Replacement cost (dwelling, contents if selected), all perils. The most common home insurance policy.
HO-4 (Contents broad form)Renters insurance. Covers contents, replacement cost available, all perils
HO-5 (Comprehensive form)Replacement cost (dwelling and contents), all perils, higher coverage levels
HO-6 (Unit-owners form)Condo insurance. Building property, personal property, all perils
HO-7 (Mobile home form)HO-3 coverage for mobile homes
HO-8 (Modified coverage form)Actual cash value (dwelling and contents), named perils. Coverage for homes that don’t meet other form requirements, often due to age.

Find the best homeowners insurance in your state

Map
Table
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
StateAverage annual rates for $200,000 in dwelling coverageAverage annual rates for $300,000 in dwelling coverageAverage annual rates for $400,000 in dwelling coverageAverage annual rates for $500,000 in dwelling coverage
Alabama$2,614$3,489$4,123$4,581
Alaska$1,674$2,131$2,525$2,937
Arizona$1,701$2,224$2,747$3,061
Arkansas$3,655$4,201$4,598$5,026
California$1,027$1,380$1,741$2,138
Colorado$2,964$3,661$4,142$4,162
Connecticut$1,826$2,378$2,940$3,307
Delaware$1,210$1,559$1,944$2,350
Florida*$1,786$2,426$3,005$3,530
Georgia$2,297$3,024$3,800$4,526
Hawaii$440$582$749$918
Idaho$1,841$2,453$3,062$3,684
Illinois$2,321$2,752$3,210$3,701
Indiana$2,410$3,097$3,631$3,957
Iowa$2,310$3,017$3,482$4,118
Kansas$4,094$4,939$5,427$5,996
Kentucky$3,082$3,701$4,049$4,203
Louisiana$2,317$2,905$3,494$3,696
Maine$1,310$1,756$2,134$2,387
Maryland$1,289$1,694$2,117$2,546
Massachusetts$1,278$1,603$1,952$2,315
Michigan$2,131$2,607$2,950$2,975
Minnesota$2,309$2,930$3,718$4,475
Mississippi$3,042$3,841$4,578$5,040
Missouri$2,765$3,498$4,189$4,783
Montana$2,446$2,717$3,023$3,488
Nebraska$3,800$4,893$5,433$5,892
Nevada$1,483$1,794$2,159$2,500
New Hampshire$1,152$1,551$1,950$2,342
New Jersey$1,174$1,555$1,965$2,276
New Mexico$2,030$2,926$3,624$4,071
New York$1,608$2,058$2,586$2,997
North Carolina$2,112$3,031$3,524$3,936
North Dakota$2,361$3,139$3,883$4,105
Ohio$1,835$2,267$2,760$3,171
Oklahoma$4,193$5,317$6,387$7,192
Oregon$1,695$2,198$2,662$3,072
Pennsylvania$1,720$2,198$2,670$3,039
Rhode Island$1,415$1,878$2,339$2,829
South Carolina$2,335$3,042$3,637$4,059
South Dakota$2,980$3,844$4,596$5,079
Tennessee$2,455$3,107$3,712$4,122
Texas$3,525$4,142$4,529$4,979
Utah$1,382$1,755$2,112$2,473
Vermont$1,214$1,540$1,818$1,962
Virginia$1,903$2,249$2,423$2,787
Washington$1,313$1,659$2,054$2,448
District of Columbia$1,114$1,520$1,921$2,318
West Virginia$1,982$2,539$2,996$3,511
Wisconsin$1,549$2,027$2,478$2,822
Wyoming$1,751$2,436$3,176$3,883

*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.

Understanding home insurance

Homeowners insurance covers a few basic things. Although the type of policy determines some of the coverage, you can expect your homeowners insurance to cover:

Dwelling. The dwelling coverage is the calculated replacement cost of your home if it needs to be rebuilt from the ground up.

Personal property. Personal property coverage is for the contents of your home, including everything from your clothes to your furniture. It’s usually set at 50-70% of the dwelling amount.

Personal liability. The personal liability portion of your policy pays for any damages or injuries for which you are responsible, as well as legal fees. The most common choice for liability is $300,000.

Additional living expenses/loss of use. This coverage pays for living expenses, like a hotel room or restaurant meals, if you can’t live at home during repairs from a covered claim.

From there, a number of extra coverages are available, some of which are included and some of which are options you can add. This includes things like water and sewer backup, coverage for high-value items, and even coverage for identity theft.

Home insurance covers either named perils or all perils. The difference is that named perils covers only the risks that are specifically listed in the policy. An all perils policy will pay for damage from any risk unless it’s specifically excluded.

Methodology

Insurance.com's sister site, Insure.com, in the fall of 2023, surveyed more than 1,750 insurance consumers (1,151 people with home insurance). The survey was conducted by online market research company Slice MR.

Respondents were asked to name their home insurer and then grade it in the following categories: customer satisfaction, ease of service, claims satisfaction and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – including digital experience, discounts best for auto/home bundling and best for discounts. The number of responses for each attribute were totaled before dividing by the number of each company’s customers who responded to that survey question to create a percentage. 

Respondents were then asked if they would recommend their home insurer to someone else and if they planned to renew their policies. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

They also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25% of total score
  • Annual premium: 20% of total score
  • NAIC: 15% of total score

Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

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