Best home insurance companies for claims
According to our annual best home insurance companies survey, which asked customers to rate their insurer for homeowners claims, Erie tops the list. It had a 100% score for claims handling satisfaction. It came in seventh on the J.D. Power survey with a score out of 1,000.
Second on our list is Amica, scoring 96% for claims handling. Amica came in second on the J.D. Power survey as well, with a 906 score.
J.D. Power ranked Chubb first for claims satisfaction, scoring 773.
The table below compares Insurance.com survey results for claims handling among top insurers with the findings from J.D. Power’s study.
| Company | Insurance.com survey score / rank | J.D. Power survey** score / rank |
|---|---|---|
| Allstate | 75% / 10 | 665 / 11 |
| American Family | 78% / 8 | 680 / 8 |
| Amica | 96% / 2 | 745 / 2 |
| Auto-Owners | 76% / 9 | 719 / 4 |
| Erie | 100% / 1 | 705 / 6 |
| Farmers | 84% / 4 | 676 / 10 |
| Nationwide | 82% / 5 | 709 / 5 |
| Progressive | 80% / 6 | 697 / 7 |
| State Farm | 79% / 7 | 661 / 12 |
| Travelers | 75% / 10 | 678 / 9 |
| USAA* | 88% / NR | 746 / NR |
| Safeco | 63% / 11 | 644 / 13 |
| The Hartford | 90% / 3 | 725 / 3 |
| Liberty Mutual | 90% / 3 | 707 / 5 |
| Chubb | NR | 773 / 1 |
| Homesite | NR | 592 / 14 |
NR = not ranked.
*USAA offers insurance only to military members, veterans, and their families and is not ranked in our survey, nor does J.D. Power rank it for the same reason.
**Out of 1,000. The study average was 682
Top home insurance companies for claims
Erie, Amica, The Hartford, and Liberty Mutual 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.
Erie Insurance
Erie came in first in our survey and was ranked seventh by J.D. Power for claims satisfaction. The insurer only offers coverage in 12 states plus Washington, D.C.
According to our annual survey, Erie came in second and earned a 4.62 out of 5 for customer satisfaction.
“Erie Insurance was founded on the promise to be Above All in Service. For the past 100 years, the human touch and putting service above all else have been our guiding principles. Our customers trust us to provide them with the protection they need and the service they expect,” said Michelle Tennant, vice president of home products at Erie.
Erie focuses on customer satisfaction, which is regularly backed by customer surveys. The company is the twelfth-largest home insurer in the U.S. and has excellent financial stability ratings with an A+ (Superior) from AM Best.
Erie has over 7 million policies in place and offers numerous types of homeowners insurance, such as home, renters, condo, mobile home coverage, and other policies, including auto, motorcycle, and boat coverage.
Amica
Amica came in second in our claims satisfaction survey and earned the same spot with J.D. Power. The insurer is known for low rates and excellent customer satisfaction. Amica doesn’t use agents; customers deal directly with the company for all insurance needs, including claims.
Amica was our No. 1 home insurance company for 2025 overall, with a score of 4.73 out of 5.
Amica touts an empathetic approach to insurance, which is shown by its high customer satisfaction ratings in surveys. It offers insurance in 27 states plus Washington, D.C., and is rated A+ (Superior) for financial stability by AM Best.
Amica offers various types of homeowners insurance, such as home, renters, condo, and flood coverage. Additionally, the insurer provides auto, life, marine, umbrella, and pet insurance.
Liberty Mutual
Liberty Mutual tied for third in our survey with 90% and ranked above average in the J.D. Power results. It’s the eighth-largest global property and casualty insurer with an A (Excellent) rating with AM Best. Additionally, the company has earned numerous awards, such as being a military-friendly employer and various workplace awards.
The insurer was founded in 1912 and offers coverage in every state, including home, renters, auto, and life insurance.
The Hartford
The Hartford also earned a 90% for claims satisfaction and earned third place with J.D. Power. The Hartford has been offering insurance since 1810 and has a proven track record for customer satisfaction. The Hartford caters to AARP members with a special home insurance program.
The insurer has an A+ (Superior) financial stability rating from AM Best. The Hartford offers home, renters, condo, and flood coverage. Other forms of insurance offered include auto, RV, and classic car coverage.
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% |
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
According to our survey, Erie, Amica, The Hartford and Liberty Mutual offer homeowners the best claims experience. Chubb also ranked highly with J.D. Power.
Homeowners can find an insurer with good claims service by researching customer complaints and surveys.
Insurers that rank highly for customer satisfaction and have fewer complaints typically have a good claims process.
Sources:
- J.D. Power “2025 J.D. Power U.S. property claims satisfaction study.” Accessed March 2025.
- Weiss Ratings. “Insurance non-payment table.” Access March 2025.
Methodology
In late 2024, our sister site Insure.com surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.
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.
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