Best Homeowners Insurance
Top-rated home insurance companies — compare coverage, premiums, claims satisfaction, and bundling discounts.
| Product | Pricing | Best For | Key Feature | Rating | Actions |
|---|---|---|---|---|---|
USAA USAA Renters Insurance Editor's Choice | From ~$8/mo | Active-duty, veterans, and military families | Military | 4.7 | |
USAA USAA Umbrella Insurance | $1M from ~$150/yr | Military members, veterans, and families wanting a | Military pricing | 4.7 | |
USAA USAA Homeowners Insurance | From ~$125/mo | Military members, veterans, and families | Military | 4.7 | |
USAA USAA Auto Insurance | From ~$98/mo | Active-duty military, veterans, and families | Military deployment | 4.7 | |
Chubb Chubb Masterpiece® Homeowners Insurance | Premium tier pricing | High-net-worth homeowners with properties valued a | Protective devices | 4.7 | |
Chubb Chubb Umbrella Insurance | $1M from ~$400/yr | High-net-worth individuals and families with signi | Multi-policy | 4.6 | |
MassMutual MassMutual Disability Insurance | Up to 80% income | Professionals who want maximum coverage and custom | Multi-policy | 4.6 | |
Pacific Life Pacific Life Term Life | From ~$28/mo (30yr, $500K) | Healthy adults seeking competitive 10–30 year term | Preferred rates for excellent health | 4.6 | |
Amica Mutual Amica Renters Insurance | From ~$9/mo | Budget-conscious renters who value top satisfactio | Dividend payback | 4.6 | |
Amica Mutual Amica Mutual Homeowners Insurance | From ~$150/mo | Homeowners who value top claims satisfaction | Dividend payback | 4.6 | |
New York Life New York Life Term & Whole Life | Dividends since 1854 | Families seeking permanent whole life coverage wit | Mutual company dividend payback | 4.5 | |
Erie Insurance Erie Insurance Homeowners | From ~$107/mo | Homeowners in Mid-Atlantic and Midwest states | Multi-policy | 4.5 | |
Lemonade Lemonade Renters Insurance | From $5/mo | Digital-first renters who want fast claims | Bundling | 4.5 | |
Guardian Life Guardian Disability Insurance | All 50 states | Employees and individuals needing long-term disabi | Group rates | 4.5 | |
Healthy Paws Healthy Paws Pet Insurance | Unlimited benefits | Pet owners who want unlimited coverage for major i | Multi-pet | 4.5 | |
GEICO GEICO Auto Insurance | From ~$110/mo | Good drivers seeking lowest rates | Military 15% | 4.5 | |
Auto-Owners Insurance Auto-Owners Homeowners Insurance | From ~$117/mo | Homeowners in 26 states who want low rates + excep | Multi-policy | 4.5 | |
Kaiser Permanente Kaiser Permanente Health Plans | Silver from ~$484/mo | Members in CA, CO, GA, HI, MD, OR, VA, WA, DC who | Wellness incentives | 4.5 | |
Northwestern Mutual Northwestern Mutual Disability Insurance | Own-occupation coverage | High-earning professionals (doctors, lawyers) who | Multi-policy with NWM | 4.4 | |
Travelers Travelers Umbrella Insurance | $1–10M coverage | Families and homeowners who need high-limit liabil | Multi-policy | 4.4 | |
Travelers Travelers Homeowners Insurance | From ~$167/mo | Owners of high-value or older homes who need guara | Multi-policy | 4.4 | |
Lemonade Lemonade Pet Insurance | Dogs from $22/mo | Budget-conscious pet owners who want fast AI claim | Multi-pet | 4.4 | |
Openly Openly Homeowners Insurance | Agent-placed premium policy | Homeowners with properties $400K–$5M working with | Claims-free | 4.4 | |
Trupanion Trupanion Pet Insurance | Pays vet directly | Pets with chronic conditions; owners who want dire | Multi-pet | 4.4 | |
State Farm State Farm Auto Insurance | From ~$138/mo | Customers who value agent support & claims service | Bundle save ~17% | 4.4 | |
Banner Life Banner Life Term Life | From ~$34/mo ($500K) | Cost-conscious buyers who want cheap, reliable ter | Preferred plus rates for best health | 4.4 | |
Lemonade Lemonade Homeowners Insurance | From $25/mo | Tech-savvy homeowners who want fast, app-based ser | Bundling | 4.4 | |
Blue Cross Blue Shield Blue Cross Blue Shield Plans | All 50 states | Anyone who wants the largest doctor/hospital netwo | Wellness programs | 4.4 | |
Allstate Allstate Umbrella Insurance | $1M from ~$200/yr | Allstate auto/home customers who want the deepest | Multi-policy save 15–25% | 4.3 | |
Cincinnati Financial Cincinnati Financial Homeowners Insurance | From ~$148/mo | Midwest and East Coast homeowners who want reliabl | Claims-free | 4.3 | |
Kin Insurance Kin Homeowners Insurance | Instant online quotes | Homeowners in FL, TX, LA, CA who struggle to find | Hurricane mitigation | 4.3 | |
Progressive Progressive Auto Insurance | From ~$125/mo | High-risk drivers, DUI history, at-fault accidents | Snapshot usage-based | 4.3 | |
State Farm State Farm Renters Insurance | From $12/mo | Renters with State Farm auto who want bundling sav | Bundle auto save 17% | 4.3 | |
Breeze Breeze Disability Insurance | Apply in minutes | Young professionals who want fast, affordable, cus | Online discounts | 4.3 | |
Ladder Ladder Life Insurance | No-exam up to $3M | Busy adults who want fast, no-exam life insurance | No exam required | 4.3 | |
State Farm State Farm Homeowners Insurance | From ~$152/mo | Homeowners who want local agent support + bundling | Multi-policy up to 20% | 4.3 | |
ASPCA Pet Insurance ASPCA Pet Health Insurance | Dogs from $39/mo | Owners of older pets or those wanting broad covera | Multi-pet | 4.3 | |
Embrace Pet Insurance Embrace Pet Insurance | Deductible shrinks yearly | Owners who want wellness + alternative therapy cov | Diminishing deductible ($50/yr) | 4.2 | |
American Family Insurance American Family Homeowners Insurance | From ~$158/mo | Midwest homeowners seeking guaranteed rebuild cove | Smart home device | 4.2 | |
Allstate Allstate Homeowners Insurance | From ~$147/mo | Homeowners who want many ways to lower their premi | Claim RateGuard | 4.2 | |
UnitedHealthcare UnitedHealthcare Plans | Nationwide PPO/HMO | Anyone seeking broad PPO access nationwide | Telehealth included | 4.2 | |
Aetna Aetna (CVS Health) Plans | CVS integration | Members who use CVS pharmacies and want integrated | CVS pharmacy discounts | 4.1 | |
Hippo Insurance Hippo Homeowners Insurance | Quotes in 4 min | Tech-savvy homeowners with smart devices and elect | Smart home sensors | 4.1 | |
Allstate Allstate Auto Insurance | From ~$155/mo | Drivers who want digital tools + accident forgiven | Drivewise | 4.1 | |
Nationwide Nationwide Homeowners Insurance | From ~$146/mo | Homeowners who want unique coverage perks and add- | Home renovation | 4.0 | |
Farmers Insurance Farmers Homeowners Insurance | From ~$192/mo | Homeowners who value local agent relationships and | Declining deductible | 4.0 | |
Hanover Insurance Hanover Insurance Homeowners | From ~$155/mo | Owners of older, historical, or architecturally un | Claims-free | 4.0 | |
Liberty Mutual Liberty Mutual Homeowners Insurance | From ~$165/mo | Homeowners who want to build a fully custom policy | New home purchase | 3.9 | |
GEICO GEICO Homeowners Insurance | From ~$146/mo | Existing GEICO auto customers seeking bundle savin | Auto bundle 15% | 3.9 | |
Toggle Insurance Toggle Homeowners Insurance | From ~$90/mo | Homeowners who want flexible month-to-month covera | Annual pay | 3.8 | |
Progressive Progressive Homeowners Insurance | From ~$159/mo | Progressive auto customers who want to bundle for | Auto bundle up to 20% | 3.8 |