The best and worst homeowners insurance companies for claims
The 2026 J.D. Power U.S. Property Claims Satisfaction Study ranked Amica as the No. 1 home insurance company for claims satisfaction in 2026. Additionally:
- The Hartford came in second
- Chubb was No. 3
- USAA, which isn't ranked due to eligibility requirements, would have taken second if ranked
- Safeco and Homesite were the bottom two
J.D. Power releases its claims satisfaction survey annually in March. For the claims survey, J.D. Power asked 5,093 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 has increased even with rate increases. The study found that customers who use digital tools to handle claims are more satisfied.
“There was no shortage of headwinds to customer satisfaction with the property claims experience this year, particularly when it comes to the financial burden customers face, but carriers were really able to counter the negative effects of higher prices by delivering exceptional service,” said Mark Garrett, director of insurance intelligence at JD Power.
Below are the J.D. Power insurance ratings for 2026 for claims satisfaction on a 1,000-point scale.
The study found that claims took, on average, 29.6 days from filing to finished repairs and 40.7 days from first notice of loss to final payment, down 3.4 days from last year.
The 2026 study had several other important findings, including:
- Rate increases are affecting customer satisfaction, with 19% of customers surveyed reporting rate increases, a deductible of at least $1,000, and out-of-pocket expenses 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.
- Customers who used digital tools to file and monitor a claim reported high satisfaction with submitting a claim (38%), submitting photos (49%), and receiving updates (45%).
Read more about the best home insurance companies for claims.
People ask
Chubb vs. Amica: Which is better for you?
For most homeowners, Amica is the more accessible choice; Chubb caters largely to high-value homes. However, it's always best to compare quotes and coverage options from both carriers to see which offers the best value for your home.
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 2026 J.D. Power U.S. Home Insurance Study found that Amica is the best-rated home insurance company overall. Additionally:
- Chubb dropped to third place, down from second last year
- Erie rose back up to the No. 2 company overall after dropping to third last year
- USAA was not ranked due to eligibility requirements, but would have been in first place
- Tower Hill and Universal Direct were the bottom two
The larger overall home insurance study surveyed 17,191 homeowners and renters on seven factors: trust; price for coverage; people; digital channels; problem resolution; product/coverage offerings; and ease of doing business.
Ongoing rate increases are putting financial pressure on homeowners, and carriers that approach rate increases with clear communication about the reasons fared better in the customer survey.
“Because household costs are rising and insurance rates are under pressure, customers need carriers to explain what is changing, why it matters and what value they are getting in return. Carriers that communicate early, make service easy and help customers understand coverage are better positioned to keep homeowners who are facing increasing financial pressure,” Craig Martin, executive director, global insurance intelligence at J.D. Power says in a press release.
Changes in the top three rankings from last year:
- Amica retained the No. 1 spot
- Erie Insurance moved back into second place after dropping to third last year
- Chubb dropped from second to third
- Nine of the 28 companies ranked had scores above the segment average of 644. USAA, which is not ranked because it does not meet the study's criteria, had the highest score of 741.
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.
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. J.D. Power doesn't evaluate all homeowners insurance companies, and there are many regional companies offering great service. To assess a carrier not rated by J.D. Power, check National Association of Insurance Commissioners (NAIC) complaint data and look for a score below 1.0. If you're pleased with your insurer, however, there's no need to change.
A few other findings of the home insurance study include:
- Customers who trust their carrier are 2.6 times less likely to shop around and 3 times more likely to stay.
- The number of people who completely understand what their policy covers was 55%, rising to 60% among those who report proactive carrier outreach.
- Overall satisfaction is 230 points higher when customers report a seamless insurance experience
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 varies year to year, it's generally around 17,000 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 2026 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. "2026 Property Claims Satisfaction Study." Accessed September 2026
- J.D. Power. "2026 U.S. Home Insurance Study." Accessed September 2026
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 Amica, The Hartford and Chubb, 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?
Because complaints are measured by many different sources, including the NAIC and state insurance departments, it's difficult to single out one company as having the most complaints. The number of complaints for any given company varies depending on location, which subsidiary company operates in that location and even over time. To check the complaints data for a specific carrier, visit content.naic.org and use the search tool; a score over 1.0 indicates more complaints than expected for a carrier of that size.
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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