- The best and worst homeowners insurance companies for claims: 2025 rankings
- Why are property claims satisfaction ratings important when choosing an insurer?
- The best and worst homeowners insurance companies for overall satisfaction
- How are J.D. Power scores calculated?
- What other ratings should I consider while choosing my home insurance carrier?
- How to choose the best homeowners insurance company
- FAQ: J.D. Power home insurance rankings
The best and worst homeowners insurance companies for claims: 2025 rankings
The 2025 J.D. Power U.S. Property Claims Satisfaction Study ranked Chubb as the No. 1 home insurance company for claims satisfaction in 2025. J.D. Power releases its claims satisfaction survey annually in March. For the claims survey, which was redesigned for 2025, J.D. Power asked 5,178 homeowners insurance policyholders how they felt about their recent claims experience in key areas, including the final settlement, interaction with representatives, and the estimate and repair process.
Customer satisfaction with the claims experience continues to suffer as rate increases, slow repair times and catastrophic events affect the home insurance industry. The study found that customers who use digital tools are more satisfied, especially younger customers.
“Customers are, in essence, paying higher prices for slower service. The average claimant does not receive final payment on a claim until 44 days after the first notice of loss, and unless insurers are communicating frequently and clearly along the way, customer satisfaction suffers,” says Mark Garrett, director of insurance intelligence at J.D. Power in a press release.
Here are the J.D. Power insurance ratings for 2025 for claims satisfaction on a 1,000-point scale.
While J.D. Power notes that the survey has changed from last year and results can't be compared, it's worth noting that Amica remains among the top three, having been in first place last year. USAA, which isn't ranked due to its eligibility requirements, scored 746.
People ask
Chubb vs. Amica: Which is better for you?
Chubb and Amica are the top two companies in J.D. Power's rankings but generally serve different markets. Chubb's home insurance program is largely aimed at high-value homes, while Amica has a wider market.
The study found that claims took, on average, 32.4 days from filing to finished repairs and 44 days from first notice of loss to final payment. That's the longest claim cycle time reported since the study began in 2008.
The 2025 study had several other important findings, including:
- Rate increases are affecting customer satisfaction, with half of the customers surveyed reporting rating increases in the past 12 months. When insurers initiated a premium increase, satisfaction went down.
- Customers are more satisfied when they are able to easily communicate with their insurer during a claim, and report less satisfaction when they have to leave voicemails or make repeated calls and follow-up is not timely.
- Gen Z and Millennials are far more comfortable with digital tools for handling claims (87%) compared to Boomers and Pre-Boomers at 40%.
Read more about the best home insurance companies for claims.
Why are property claims satisfaction ratings important when choosing an insurer?
A claim is the most important test of an insurance company. You pay for insurance so that you'll be covered if something goes wrong.
It's important to know that your insurance company has a solid reputation for handling claims. The claims process can be difficult and complex, and you want a company that makes it as easy as possible.
People ask
Why should I trust J.D. Power ratings while choosing home insurance companies?
J.D. Power has been around since 1968 and has earned a solid reputation for unbiased evaluation of services and products. Its reputation for trustworthiness is why companies proudly advertise J.D. Power awards.
The best and worst homeowners insurance companies for overall satisfaction
The 2025 J.D. Power U.S. Home Insurance Study found that ongoing rate increases are hurting customer loyalty and leading more people to shop around. Meanwhile, the ongoing home insurance crisis in states like Florida and California, where companies are leaving the market, leaves people with fewer options.
“In a year marked by inflation, severe weather and tightening reinsurance markets, home insurance premiums have risen sharply in many parts of the country. While these increases often reflect real cost pressures, they’re also eroding trust and driving customers to shop for alternatives,” Craig Martin, executive director, global insurance intelligence at J.D. Power says in a press release.
The larger overall home insurance study surveyed 14,511 homeowners and renters on five factors: trust; price for coverage; people; digital channels; problem resolution; product/coverage offering; and ease of doing business.
Of the top three from 2024, Amica and Chubb both held a place in the 2025 top three, with Amica returning to the No. 1 spot it has frequently held and Chubb dropping from first to second. Erie Insurance rejoined the top three after falling out last year.
This year's study includes many smaller carriers that have previously not appeared in the rankings. Only seven of the 28 companies ranked had scores above the segment average of 642.
Below is a list of J.D. Power's best insurance companies for overall satisfaction.
*Company doesn't provide rates to our data partner, Quadrant Information Services.
State Farm climbed back into the top five this year, but last year's second place winner, AIG, doesn't appear on this year's rankings. Automobile Club of Southern California rose one place to fourth. USAA, which was not ranked due to its eligibility requirements, scored 737.
PEOPLE ASK
What if my home insurance company does not have a rating, but I am satisfied with the service?
Your personal experience with your homeowners insurance company is the most important factor. If you're pleased with your insurer, there's no need to change. J.D. Power doesn't evaluate all homeowners insurance companies, and there are many regional companies offering great service.
A few other findings of the home insurance study include:
- Most of those who switched carriers (57%) did so for a better price.
- Auto and home bundle rates among those who switched dropped by 10%.
- Bundling is less common in the states where carriers are leaving and rates are rising, especially Florida, California and Louisiana.
How are J.D. Power scores calculated?
J.D. Power fields two home insurance surveys annually asking insurance customers about their insurance experience. Although the exact number of survey respondents changes year by year, it's generally in the area of 14,000-15,000 people for the overall satisfaction study and 5,000-6,000 for the claims satisfaction study.
The Home Insurance Study for overall customer satisfaction ranks companies in these areas:
- Digital Channels
- Ease of Doing Business
- People
- Price for Coverage
- Problem Resolution
- Product/Coverage Offerings
- Trust
The Property Claims Satisfaction Study ranks companies in these areas:
- First Notice of Loss
- Repair Process
- Estimation Process
- Claim Servicing
- Settlement
What other ratings should I consider while choosing my home insurance carrier?
There are a lot of ways to evaluate and find the best homeowners insurance company. The National Association of Insurance Commissioners (NAIC) provides complaints data for insurance companies; look for a company with a ratio of less than 1.0.
AM Best rates insurance companies for financial stability, which measures the company's ability to pay claims.
Insurance.com also offers our careful evaluation of the best homeowners insurance companies annually. Additionally, we rank home insurance companies on a state level. If you're in a state where insurance is hard to find, state-level rankings are helpful. Check out our ranking of the best homeowners insurance companies in Florida and the best homeowners insurance companies in California.
J.D. Power also releases ratings for renters insurance; see our overview of the 2024 J.D. Power renters insurance ratings for more information.
How to choose the best homeowners insurance company
Start your search for home insurance with the top-rated homeowners insurance companies, including those listed by J.D. Power and our ranking of the best home insurance companies, but don't limit yourself. Follow a few additional steps:
- Look at smaller companies. Due to limitations of data and the difficulty of comparing small insurers to major providers, smaller companies don't appear on nationwide rankings. It's important to compare not just national companies but smaller regional companies as well. The best home insurance company for you might be local.
- Consider your needs. Your home insurance needs are unique to your house. Do you need extras that another homeowner might not, such as extra valuable personal property coverage, extended liability coverage or coverage for a specific pet? Look for an insurance company that can meet your needs.
Related Resources
- J.D. Power. "2025 Property Claims Satisfaction Study." Accessed September 2025
- J.D. Power. "2025 U.S. Home Insurance Study." Accessed September 2025
FAQ: J.D. Power home insurance rankings
Which insurance company is best at paying claims?
According to J.D. Power's property claims satisfaction study, the best insurance companies for paying claims are Chubb, Amica and The Hartford, highlighting their commitment to customer satisfaction when handling claims. This evaluation considers several factors, including the ease of filing claims, the fairness of claim amounts, and overall customer satisfaction.
Which homeowners insurance company has the highest customer satisfaction?
Based on J.D. Power's home insurance ratings, Amica is the best home insurance company for customer satisfaction. It has the highest score, 705 out of 1,000, followed by Chubb and Erie Insurance.
Which home insurance company has the most complaints?
Complaints are measured by many different sources, including the National Association of Insurance Commissioners and state insurance departments. The number of complaints for any given company varies depending on location, which subsidiary company operates in that location and even over time. It's therefore difficult to name one company as having the most complaints.
How often does J.D. Power release new ratings?
J.D. Power homeowners insurance ratings are released annually. The homeowners insurance claims satisfaction study is released in the spring, and the overall homeowners insurance satisfaction study is released in the fall.
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