Call our licensed agents toll free 844.855.0163
Go To Top
Why you can trust is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. maintains editorial integrity through strict independence from insurance companies.

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

Based on a wide-ranging analysis by the editors of and its sister site, our No. 1 pick overall is State Farm. It earns our top star rating for a combination of customer service, price, and discounts. In a close second, Auto-Owners ranks highly across the board. And rounding out the top three is AIG. In addition to the overall rankings, we have broken down the best picks for several specific needs, from those with older homes to budget insurance shoppers.

  • State Farm is the best home insurance company in the U.S. based on our analysis.
  • The best insurance company depends on your needs, such as an older or high-value home.
  • It’s crucial to balance rates with customer service, coverage options, and claims satisfaction to find the best homeowners insurance company for you.

Compare the best home insurance companies 

There are many ways to rank insurance companies, and 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 of course a solid reputation for taking good care of customers.

“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.

While your specific home insurance quotes will differ, we gathered average rates fielded by Quadrant Data Services, and then dug through compiled discount details and ratings from sources like J.D. Power and A.M. Best to help you compare home insurance companies with ease.

The best homeowners insurance companies overall

These top three companies were ranked as the best overall based on a 2022 analysis of average premiums, discounts, and both J.D. Power and A.M. Best ratings. Star ratings are out of five.

State Farm: 4.5/5

State Farm is the top insurance company in America by market share, and it continues to set the gold standard for home insurance. Ranking at 4.5/5 overall, the company’s A++ A.M. Best rating and large multi-policy discount propelled it to the top spot.

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

Auto-Owners: 4.25/5

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 second-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.

AIG: 4/5

While it’s not the first name that comes to mind when shopping for insurance, AIG offers low rates, along with a strong record for customer service. It also offers some products the competition doesn’t because it’s generally aimed toward high-value homes.

AIG recently left the home insurance market in California but is available in all other states.

While USAA earned the best marks overall in our rankings at an impressive 4.75/5, the company caters only to military families and veterans. If that’s you, it’s likely your best bet. However, we chose to rank the top three among companies without eligibility requirements.

Best for cheap home insurance: CSAA Insurance

Headquartered in California, CSAA is an insurance company that branched off from AAA, best known for its roadside assistance program. It offers home, auto, and many other insurance policies.

Why it’s the best: In’s rate comparison, CSAA’s average home insurance rate was $1,113 a year. That’s several hundred dollars less than the next closest rate, which was $1,638 from Amica Mutual.

Where it’s available: 23 states and D.C.

Pros and cons: CSAA is only available in half the country, and you’ll need to be a AAA member to get insurance through the company. On the pro side, however, AAA membership comes with many perks like discounts, roadside assistance, and travel assistance.

Best for customer satisfaction: Amica Mutual

Amica Mutual has been in business since 1907 and offers auto and life in addition to home insurance. It’s a direct-buy company that doesn’t work with agents, but representatives are available by phone to help you buy a policy.

Why it’s the best: Amica Mutual built its reputation on customer service. They’ve won J.D. Power’s top award for customer service in 10 of the past 11 years.

Where it’s available: Every state except Alaska and Hawaii.

Pros and cons: Amica Mutual is a mutual company offering dividend policies that pay policyholders back, and it offers comprehensive coverage. However, since it doesn’t use agents, it may not be for you if you want personal, local service.

Best for discounts: State Farm

State Farm is a household name and the largest insurance company in the U.S. It’s our top pick for home insurance overall and also lands the top spot for home insurance discounts.

Why it’s the best: State Farm offers more and better discounts than the competition. Based on’s 2022 analysis of the number of discount categories and the average amount of those discounts among top companies, State Farm won with 12 categories and an average discount of 16% per year.

Where it’s available: All 50 states and D.C.

Pros and cons: State Farm is a captive-agent-based company, so you will be assigned an agent whether you want one or not. However, the company has done a great job of moving into the modern age with a highly-rated app and online services.

Best for online and mobile services: Liberty Mutual

Liberty Mutual is one of the top insurance companies in the U.S. and has been around for more than a hundred years. It offers a wide range of insurance products for bundling, including auto and life.

Why it’s the best: analyzed the available online and mobile services for the top insurance companies, as well as the app ratings in the Google Play and Apple stores. Liberty Mutual came out on top with an average app rating of 4.75 and the ability to make home insurance policy changes from your phone.

Where it’s available: All 50 states and D.C.

Pros and cons: Liberty Mutual doesn’t make its rates public, so it’s difficult to compare them for value. It has below-average customer service ratings with J.D. Power, but policies are widely available.

Best for bundling home and auto: State Farm

State Farm is the biggest insurance company in the U.S. for both car and home insurance, so it’s no surprise that it’s our winner for bundling those policies. 

Why it’s the best: State Farm earns the top spot once more for bundling, which isn’t surprising since it ranks highly for discounts, too. Of the top companies analyzed by State Farm’s average home and auto discount of 32% and nationwide availability make it the best choice for bundling.

Where it’s available: All 50 states and D.C.

Pros and cons: State Farm is a big company with a solid financial base, but as noted previously, you must work with an agent. It’s not always the cheapest company, but these big discounts can make a difference.

Best for military and veterans: USAA

USAA (United Services Automobile Association) was founded by military members and it continues to focus on the needs of military families with expanded policy options and financial services.

Why it’s the best: USAA is the largest insurance company catering to military families and veterans in the U.S. It offers a wide range of coverage options, rates highly with J.D. Power and has highly competitive rates.

Where it’s available: All 50 states and D.C.

Pros and cons: The biggest pro of USAA is that the company serves military members, veterans and their families. You’ll need to be a member of USAA to buy insurance, and you can’t get coverage unless you meet the specific eligibility requirements.

Best for claims satisfaction: Amica Mutual and The Hartford (tie)

Amica Mutual is a direct-buy insurance company that offers a range of products, including auto and life, and is owned by policyholders as s a mutual company.

The Hartford is a long-standing insurance company founded in 1810 and named for its birthplace of Hartford, CT. The company partners with AARP to offer special policies to seniors.

Why they’re the best: Amica and The Hartford earned a score of 886 out of 1000 on J.D. Power’s claims satisfaction survey for 2022. The industry average was 871.

Where they’re available: Amica Mutual is available in all states except Alaska and Hawaii. The Hartford is available in all 50 states and D.C.

Pros and cons: These companies have great reputations for claims and overall customer satisfaction. The Hartford’s association with AARP may make it more appealing to AARP members. At the same time, Amica’s direct-buy approach appeals to those who prefer not to work with an agent. The Hartford’s rates aren’t available for comparison, but Amica Mutual offers some of the lowest rates in’s most recent analysis.

Best for older homes: Chubb

Chubb is an international insurance company specializing in high-value or historic homes. It has been in business since 1792, and its 2016 merger with ACE made it the world’s biggest publicly traded property and casualty company.

Why it’s the best: Chubb’s average annual rate for a home older than 30 years is lower than its competition, and it offers comprehensive coverage, including extras like tree removal after a storm and electronic data retrieval. That makes it our top pick for older home insurance.

Where it’s available: All 50 states and D.C.

Pros and cons: Chubb has a solid reputation and financial standing, but not all homes will qualify for a policy. Older homes needing many repairs or with a low value may not be eligible for coverage.

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 consider looking 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 coverages 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

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. This is the calculated replacement cost of your home if it needed to be rebuilt from the ground up.

Personal property. This is 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. This pays for any damages or injuries where you are responsible, as well as legal fees, up to the limit. 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 a 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 previously fielded home insurance rates from Quadrant Data Services for HO-3 home insurance policies at $300,000 in dwelling coverage and $600,000 in dwelling coverage, both with $300,000 in liability and a $1,000 deductible. Additionally, data was gathered from J.D. Power’s 2022 Property Claims Satisfaction Study and 2021 Home Insurance Study (the most recent), A.M. Best’s financial ratings (ratings as of publication date), and directly from insurance companies for details on coverage and discounts.’s editorial team weighted each factor differently as needed to determine the top-ranked companies in each specific category.

Helpful Home Insurance Articles & Guides