Best home insurance companies for claims in 2026

Best home insurance companies for claims

USAA topped our annual best home insurance companies survey, which asked customers to rate their insurer for homeowners claims, at 87%, but is only open to military families. Nationwide is the best national home insurance carrier for claims without eligibility requirements, with a score of 84%.

American Family and Erie, regional carriers with limited availability, both tied with Nationwide with satisfaction ratings of 84%.

While a few companies saw increases in claims satisfaction year-over-year, many saw large drops.

Erie dropped from 100% last year to 84% this year
Progressive dropped from 80% to 65%
Allstate had the biggest increase in satisfaction, from 75% to 82%

The table below compares our 2026 survey results with the 2025 survey. Note that some carriers were not ranked last year due to survey limitations.

Company	2026 claims satisfaction	2025 claims satisfaction
Allstate	82%	75%
American Family	84%	78%
Amica	83%	96%
Auto Club Enterprises	75%	NR
Auto Club Group	81%	NR
Auto-Owners	62%	76%
CSAA	59%	NR
Erie	84%	100%
Farmers	76%	84%
Liberty Mutual	79%	90%
Nationwide	84%	82%
Progressive	65%	80%
State Farm	79%	79%
The Hartford	69%	90%
Safeco	68%	63%
Travelers	76%	75%
USAA*	87%	88%

Read our methodology

NR = not rated

*USAA offers insurance only to military members, veterans, and their families and is not ranked in our survey.

Top home insurance companies for claims

USAA, Nationwide, American Family and Erie, scored the highest in claims satisfaction in our survey. These insurers have a history of satisfying their customers. Although Chubb was not ranked in our survey due to a lack of responses, it earned first place with J.D. Power.

Read on for more information on our survey's top-ranking home insurance companies for claims.

USAA

Although we don't rank USAA against other companies we do gather survey data on the carrier, and it consistently performs very well. At 87%, USAA had the highest score for claims satisfaction this year.

USAA caters to military families, and its claims service is no different. That includes offering the option to handle a claim remotely if you're deployed.

Nationwide

In second place among national carriers with a score of 84%, Nationwide tied with two top-performing regional carriers.

The company offers 24/7 claims service and claims can be filed online, over the phone or using the mobile app. You can even sign up to get claim status updates via text.

Erie Insurance

Erie tied for second place among all carriers and first among regional carriers, and has a long history of excellent claims service.

As an agent-driven carrier, Erie offers personalized assistance throughout your claim with your agent, but you can also file a claim 24 hours a day by phone.

American Family

American Family tied with Erie and Nationwide, making it one of the top two overall and sharing first place among regional carriers.

The company offers innovative claims assistance, including the option to report storm damage simply by texting STORM to AMFAM (26326), avoiding the need to locate contact information during a stressful time.

Which home insurance companies deny the most claims?

A recent study by Weiss Ratings found that Farmers, USAA and Allstate have the highest rate of claim denials.

Each insurer has its own claims process that customers must adhere to. This process typically involves filing a claim, providing necessary documentation, and possibly meeting with an adjuster. Because of this, there are numerous reasons why your insurer may deny the claim.

Reasons your homeowners insurance company may deny your claim include:

The damage isn’t covered. For example, if a flood damages your home, your claim will be denied because home insurance doesn’t cover floods. That requires separate flood insurance.
Missing documentation. Your insurer requires specific items to complete your claim, such as pictures, claims form, police report, and receipts. Not having the proper documentation can slow or stop the claims process.
Missed deadlines. Missing a deadline can lead to a denied or delayed claim.
Negligence. If you intentionally caused the damage or didn’t do the necessary repairs to keep your property from being damaged, your claim can be denied.
High deductible. If the damages are less than your deductible, the amount you must pay out of pocket before your insurance kicks in, the insurer will deny the claim.

This table shows the percentage of claims denied among top home insurance companies, based on the Weiss study.

Homeowners insurance companies	Average of claims closed without payment (%)
Allstate	39.50%
American Family	34.30%
Amica Mutual	29.50%
Auto-Owners	16.70%
Erie Insurance	16.70%
Farmers	48.00%
Nationwide	15.90%
Progressive	28.30%
State Farm	37.40%
Travelers	6.20%
USAA	48.10%

Read our methodology

Keep in mind that an insurer can legitimately deny claims for numerous reasons. If you feel your insurer incorrectly denied your claim, you can file an appeal with the carrier.

What makes a home insurance company good for claims?

A good claims experience can make life much more manageable after your home suffers damage. But what makes the claims process better for consumers? Responsiveness, consistency, efficiency and a fair settlement offer.

An insurer that responds quickly to your questions and concerns about the claims process helps make the experience easy. Getting consistent answers to your questions, regardless of who you talk to, is also important.

Whether you’re waiting on your claims settlement or a reimbursement, how quickly your insurer responds to a claim makes a huge difference. Delayed communication leads to headaches and missed deadlines. With repair times taking longer than ever, homeowners want the claims process to move as quickly as possible to regain the use of their homes.

Repair costs have also increased significantly. Homeowners want insurers to resolve the claim and make a fair settlement quickly. Insurers understand that labor and material costs have risen and should reflect those costs in a settlement.

How to choose a homeowners insurance company with good claims service

Homeowners can find an insurer with good claims service by researching customer complaints and surveys. Our survey asks real customers to rate their experience, but it's important to look at a variety of sources and remember that anecdotal evidence doesn't reflect everyone's experience.

In addition to our survey, J.D. Power ranks home insurers for claims satisfaction as well. Here's our overview of their rankings.

Insurers that rank highly for customer satisfaction and have fewer complaints typically have a good claims process.

Sources:

Weiss Ratings. “Insurance non-payment table.” Access January 2026.

Methodology

In late 20245, we surveyed 2,000 home insurance customers.

Among the questions, customers were asked to rate their satisfaction with the claims process offered by their insurance company. Ratings were from 1 (very unsatisfied) to 5 (very satisfied), with the number of responses at a 4 (satisfied) or a 5 used to calculate the percentage of satisfied customers.

Learn more about our data and methodology.

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