Best homeowners insurance companies (2024)

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By

Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Fabio Faschi, PLCS, SBCS, CLCSFabio Faschi, PLCS, SBCS, CLCSLicensed Property & Casualty Insurance ExpertFabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

Updated

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The best home insurance companies of 2024

After researching and reviewing over 60 home insurance companies, Auto-Owners Insurance, USAA, and State Farm are the top-rated homeowners insurance companies in our analysis. They all score at or near the top for each of the four factors that make up the overall Policygenius rating: price, customer experience, coverage options, and financial strength.

Company

Best for

Average annual cost

Policygenius rating

Auto-Owners Insurance

Overall

$1,406

5.0 out of 5

Amica

Customer service

$1,756

4.6 out of 5

Farmers

Discounts and policy perks

$1,845

4.5 out of 5

Nationwide

Easy claims filing

$1,966

4.5 out of 5

Foremost

High-risk homes

$2,484

4.2 out of 5

State Farm

Widely available coverage

$1,887

4.8 out of 5

AAA

New homeowners

$1,879

4.3 out of 5

American Family

Customizable policy options

$1,692

4.5 out of 5

Erie

Comprehensive dwelling coverage

$1,284

4.5 out of 5

Openly

High-value homes

$1,125

4.6 out of 5

Stillwater

Lapse in coverage

$1,589

4.5 out of 5

Travelers

Bad credit

$1,568

4.4 out of 5

USAA

Military families

$1,479

4.9 out of 5

Allstate

Airbnbs

$1,650

4.4 out of 5

Hippo

Smart home insurance

$1,138

4.3 out of 5

Neptune

Private flood insurance

$749

5 out of 5

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Average annual cost is based on 2022 sample homeowners insurance quotes for a home with $300,000 in dwelling coverage and a $1,000 deductible.

Methodology

How we chose the best homeowners insurance companies

To find the best home insurance companies, our team of licensed home insurance experts and operations specialists reviewed over 60 companies using an extensive rubric of criteria, including 2022 average annual premiums from Quadrant Information Services, AM Best ratings, customer complaint data, coverage options, and more. See our full homeowners insurance ratings methodology.

Why you can trust Policygenius

As an online insurance marketplace, Policygenius works closely with homeowners all over the U.S. to help them find a home insurance policy that suits their needs — without bias or favor toward any one company. We don’t get paid for our company reviews, and our ratings reflect the latest pricing data, financial ratings, third-party reviews, and policy options from each company. In addition to using reputable external sources, we also leverage a vast library of internal resources, data points, and insights from our own team of home insurance experts.

Our ratings and company reviews can point you toward an insurer that you can rely on to protect your home and livelihood, but the best homeowners insurance company is based on several different factors. A licensed agent at Policygenius can guide you through your home insurance quotes and help you get the right coverage at the best price.

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2024 Policygenius award winner

Auto-Owners Insurance

Auto-Owners home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Auto-Owners Insurance is the highest rated homeowners insurance company in our analysis thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.

Pros and conschevron icon

Pros

  • Affordable rates

  • Several additional coverage options

  • Up to 12 available discounts

Cons

  • Only available in 26 states

  • Not able to get quotes or file claims online

More detailschevron icon

Why Auto-Owners Insurance is our pick for best overall company

Auto-Owners Insurance is our pick for best overall home insurance company, scoring at least a 4 out of 5 for price, customer experience, coverage options, and financial strength, which earned it a perfect 5 out of 5 Policygenius rating.

With up to 23 policy endorsements — such as guaranteed replacement cost, inland flood coverage, and a comprehensive Homeowners Plus endorsement package — Auto-Owners offers excellent value for the coverage you're getting that surpasses competitors.

And if you find your quoted premiums are higher than you'd prefer, you can take advantage of up to 12 Auto-Owners discounts to get your rates back down. To put that into context, the average number of discounts the companies we reviewed offer is only 7.

How much does Auto-Owners home insurance cost?

The national average cost of an Auto-Owners home insurance policy is $1,406 per year, according to sample quotes provided to us by Quadrant Information Services. This makes Auto-Owners Insurance about 26% cheaper than the national average. 

State availability

Auto-Owners home insurance is available in the following 26 states:

Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.

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2024 Policygenius award winner

Amica

Amica home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Why we chose itchevron icon

Amica remains the standard-bearer of customer satisfaction in residential property insurance, scoring highest in J.D. Power's customer experience survey in every year except one since 2002.

Pros and conschevron icon

Pros

  • Unique dividend policy option to earn up to 20% back on insurance premiums each year

  • Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys

  • Available everywhere except Hawaii and Alaska

Cons

  • Dividend policy isn’t available in high-risk states like Florida and California

More detailschevron icon

Why Amica is our top pick for customer service

Amica took home the top spot in J.D. Power’s 2022 Home Insurance Study, scoring a perfect 5 out of 5 in four key categories: 

  • Coverage options

  • Clarity and accuracy of the billing process

  • Customer interactions

  • Claims experience

Even more, Amica earned a superior A+ rating from A.M. Best based on its financial strength and stability, as well as 20% fewer complaints with the National Association of Insurance Commissioners than other companies of its size in 2021.

While Amica can be pricier in some states than its competitors, it may be worth the added expense when you consider the superior level of coverage and customer service you’re receiving.

How much does Amica home insurance cost?

The national average cost of home insurance with Amica is $1,756 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is around 8% cheaper than the national average. However, your actual rates will vary based on your home's location, size, the amount of coverage in your policy, claims history, and other factors.

State availability

Amica offers home insurance policies in every state and Washington, D.C. except Alaska and Hawaii. 

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • 12+ discounts to save on rates

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why Farmers is our top pick for discounts and policy perks

Farmers home insurance stands out against competitors thanks to the slew of discount opportunities and policy perks available.

It offers 17 home insurance discounts — its competitors average just seven — and policy perks that aren't easy to come by, including:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.

How much does Farmers home insurance cost?

The national average cost of home insurance with Farmers $1,845 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is on par with the national average of $1,754 per year.

State availability

Farmers offers home insurance policies in the following 41 states:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.

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2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Offers earthquake insurance

Why we chose itchevron icon

Nationwide home insurance features a slew of comprehensive coverage options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.

Pros and conschevron icon

Pros

  • Multiple high-quality coverage options

  • Highly rated for claims satisfaction with J.D. Power

  • Available in most states

Cons

  • Below-average customer satisfaction and digital experience ratings

  • Won’t cover Airbnbs or other short-term rentals

More detailschevron icon

Why Nationwide is our top pick for hassle-free claims

Nationwide earned a top five ranking in J.D. Power's 2022 Claims Satisfaction Study, scoring well in five key categories:

  • Settlement process

  • Claim servicing

  • Final notice of loss

  • Estimation process

  • Repair process

Unlike many of its regional competitors that don't offer the option to file claims online or through a mobile app, Nationwide does — making its home insurance claim process strikingly transparent and easy to follow.

Once you file your claim, you'll be assigned a claims associate to help you through the process. You'll then be provided an estimate and settled either over the phone or in person, and Nationwide can even find you a contractor via its property repairs network.

How much does Nationwide home insurance cost?

The national average cost of home insurance with Nationwide $1,966 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is on par with the national average of $1,754 per year.

State availability

Nationwide offers home insurance policies in the following 43 states and Washington, D.C.:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, Nebraska, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

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2024 Policygenius award winner

Foremost

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Foremost is willing to insure high-risk homes that are older, showing obvious signs of wear and tear, or have an extensive claims history. And it’s not afraid to work with homeowners who have bad credit.

Pros and conschevron icon

Pros

  • Insures high-risk homes that are older, showing signs of wear and tear, or have a history of claims

  • Works with homeowners with bad credit

  • Offers guaranteed and extended replacement cost coverage for your home

Cons

  • Rates are 27% higher than the national average

More detailschevron icon

Why Foremost is our top pick for high-risk homes

Unlike competitors that shy away from working with older homes, those that are obviously rundown, and homes that have lots of claims on their record, Foremost doesn't.

But that doesn't mean you'll have to skimp on coverage. Foremost offers a wealth of policy add-ons, including guaranteed and extended replacement cost coverage for your home, equipment breakdown and water backup protection, and flood insurance through the National Flood Insurance Program.

How much does Foremost home insurance cost?

The national average cost of home insurance with Foremost is $2,484 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

This makes Foremost about 27% higher than the national average. However, this isn't surprising given that home insurance for high-risk homes is typically more expensive since you're more likely to file a claim.

State availability

Foremost homeowners insurance is available in all 50 states and Washington, D.C.

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance scores a near-perfect 4.8 out of 5 thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why State Farm is our top pick for widely available coverage

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly rated home insurance to homeowners in every corner of the country.

And it doesn't skimp on coverage, offering flood, wildfire, and earthquake protection — one of few competitors that offers all three insurance policies to homeowners in high-risk states nationwide.

Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How much does State Farm home insurance cost?

The national average cost of home insurance with State Farm is $1,887 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is on par with the national average of $1,754 per year.

State availability

State Farm offers home insurance policies in all 50 states and Washington, D.C.

award icon

2024 Policygenius award winner

AAA

AAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

New homebuyer discount

Mobile app

Bundle home & auto

All 50 states

Offers earthquake insurance

Offers flood insurance

Offers extended replacement cost

Why we chose itchevron icon

AAA lands the top spot for new homeowners thanks to its new homebuyer discount that offers average savings of around 37% off your home insurance rates and robust coverage add-ons to ensure your new home is fully protected.

Pros and conschevron icon

Pros

  • Affordable rates, plus 15+ home insurance discounts available

  • 20+ policy coverages and add-ons — including flood and earthquake insurance

  • Slew of other perks and discounts that come with AAA membership

Cons

  • AAA membership required to purchase home insurance

  • Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through

  • Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies

More detailschevron icon

Why AAA is our top pick for new homeowners

AAA takes the cake for new homeowners thanks to its steep new homebuyer discount that offers average savings of around 37% off your home insurance rates — far beyond what we've seen with competitors in our analysis.

You'll also save even more if you bought a brand-new home, purchased your policy before it needs to go into effect, or have an active AAA membership.

We also like AAA for new homeowners thanks to its stellar selection of coverage add-ons to insure your new home is fully protected, including extended replacement cost coverage for your home, replacement cost coverage for your personal belongings, water damage protection, flood insurance, earthquake coverage, and more.

How much does AAA home insurance cost?

The national average cost of home insurance with AAA if you're a new homeowner is $1,295 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is 37% cheaper than if you didn't qualify for their new homeowner discount.

State availability

AAA homeowners insurance is available in all 50 states and Washington, D.C. through one of its regional auto clubs and insurance subsidiaries.

award icon

2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

More detailschevron icon

Why American Family is our top pick for customizable policy options

When it comes to both the breadth and quality of home insurance policy options, there are few companies in the same league as American Family.

Choose from three comprehensive policy tiers with various levels of protection, or customize a policy to your liking with up to 15 additional coverage options, including inland flood, equipment breakdown, and service line coverage.

We especially like its rare diminishing deductible feature that takes $100 off your policy deductible each year you go without filing a claim — a perk few competitors offer.

While it only writes homeowners insurance in 19 states, American Family is the seventh largest home insurer in the United States — which indicates it’s a popular option in the places it operates.

How much does American Family home insurance cost?

The national average cost of home insurance with American Family is $1,692 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes American Family about 13% cheaper than the national average.  e amount of coverage in your policy, claims history, and other factors.

State availability

American Family offers home insurance policies in the following 19 states:

Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

award icon

2024 Policygenius award winner

Erie

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

Erie home insurance policies are among the most robust of any company in our analysis. A basic Erie policy comes with coverages that typically cost extra with other insurers, such as guaranteed replacement cost and lost or misplaced items coverage.

Pros and conschevron icon

Pros

  • Cheap rates

  • Guaranteed replacement cost comes standard on Erie policies

  • Excellent customer service and claims satisfaction ratings

Cons

  • Only available in 12 states

  • Just three available discounts

  • Can’t get quotes or file claims online

More detailschevron icon

Why Erie is our top pick for comprehensive dwelling coverage

Erie features the most comprehensive basic homeowners insurance policy of any company in our study, including guaranteed replacement cost coverage that pays any replacement amount in the event of a disaster — regardless of your coverage limits.

That means if your house is destroyed and construction costs suddenly spike due to high demand or inflation and your coverage limits aren’t high enough to cover the costs, Erie will reimburse you the full rebuild amount anyway.

Its standard coverages also include all-risk protection that extends coverage on your personal belongings to lost or misplaced items, as well as higher coverage limits for your jewelry, watches, and other expensive items.

With most competitors, you have to pay extra for these valuable coverage upgrades — but not with Erie.

How much does Erie home insurance cost?

The national average cost of home insurance with Erie is $1,284 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes Erie about 33% cheaper than the national average. However, your own rates will depend on your home’s location and how much coverage you need.

State availability

Erie offers home insurance policies in the following 12 states and Washington, D.C.:

Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, and West Virginia.

award icon

2024 Policygenius award winner

Openly

Openly logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers earthquake insurance

Why we chose itchevron icon

Openly insures homes up to $5 million with its impressive lineup of customizable policy add-ons that come with high coverage limits — and the best part? Its rates are surprisingly affordable considering its high-net worth customer base.

Pros and conschevron icon

Pros

  • Offers up to $5 million in coverage for high-value homes

  • Robust lineup of policy add-ons with high limits to customize coverage to fit your needs

  • No restrictions on pools without fences or dangerous dog breeds

Cons

  • Only available in 21 states

  • Fewer home insurance discounts than competitors

  • Not included in J.D. Power’s customer satisfaction studies

More detailschevron icon

Why Openly is our top pick for high-value homes

Openly insurance is ideal for homeowners with high-value homes looking for a policy they can customize to fit their unique needs.

It offers the second-highest number of coverage add-ons of the nearly 70 competitor home insurance companies we reviewed, including:

  • Guaranteed replacement cost coverage for your home

  • Scheduled personal property and blanket coverage for expensive belongings

  • Water backup, equipment breakdown, and earthquake protection

  • Loss assessment coverage with high limits if you live in an HOA community.

And unlike many of its competitors, Openly doesn’t have restrictions on the types of dog breeds it’s willing to insure. You also won’t have an issue getting coverage if you have a pool — no matter if it has a diving board and slide, or no fencing around it.

However, two noticeable policy add-ons missing from Openly's home insurance that you'll find with competitors like Chubb and AIG are complimentary hurricane and wildfire mitigation services for homeowners in high-risk areas.

How much does Openly home insurance cost?

The national average cost of home insurance with Openly is $1,125 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

This is around 50% cheaper than the national average. But keep in mind that your actual rates will vary based on your location, your home's size, the amount of coverage in your policy, claims history, and other factors.

State availability

Openly offers home insurance policies in the following 21 states: 

Alabama, Arizona, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Massachusetts, Mississippi, Missouri, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, and Wisconsin.

Openly has plans to expand coverage to Connecticut and Virginia in 2024.

award icon

2024 Policygenius award winner

Stillwater

Stillwater Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

New homebuyer discount

Offers extended replacement cost

Offers earthquake insurance

Bundle home & auto

Mobile app

Why we chose itchevron icon

Stillwater's willingness to insure homes that have gone without home insurance for any period of time makes it our top pick for homeowners who've had a lapse in coverage.

Pros and conschevron icon

Pros

  • Insures homes that had a lapse in insurance coverage

  • Rates lower than the national average, plus 15 discounts to save even more

  • Offers a slew of coverage add-ons

Cons

  • Doesn’t have as strong financial strength rating as other insurers

  • Wasn’t included in J.D. Power’s 2022 customer satisfaction surveys

  • Not available in Louisiana

More detailschevron icon

Why Stillwater is our top pick for homes with a lapse in coverage

Stillwater is one of the few home insurance companies willing to work with homeowners who've had a lapse in coverage — a rarity in the industry.

Most competitors consider homes that have gone without home insurance too risky to insure, since many lapses in coverage happen due to missed or late premium payments. But not Stillwater.

It also stands out thanks to the whopping 15 home insurance discounts it offers help you save on rates. To put this into context, competitor home insurance companies average just seven discounts.

How much does Stillwater home insurance cost?

The national average cost of home insurance with Stillwater is $1,589 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes Stillwater about 18% cheaper than the national average.

State availability

Stillwater homeowners insurance is available in all states except Louisiana.

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2024 Policygenius award winner

Travelers

Travelers home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

New homebuyer discount

Mobile app

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Travelers earns our top spot for homeowners with poor credit thanks to its affordable rates that are only $200 more expensive than those for homeowners with good credit.

Pros and conschevron icon

Pros

  • Green home coverage and discounts

  • Offers short-term rental coverage for Airbnb hosts

  • Doesn’t require prior insurance on the home

Cons

  • Subpar customer service ratings with J.D. Power

  • Underwhelming number of available discounts

More detailschevron icon

Why Travelers is our top pick for homeowners with poor credit

Many home insurance competitors hike up rates as much as $2,000 if you have poor credit, since studies show you're more likely to file a claim. But not Travelers.

Its average home insurance rates for homeowners with good credit versus poor credit only vary by around $200. And you can save even more if you qualify for one of the five home insurance discounts it offers.

How much does Travelers home insurance cost?

The national average cost of home insurance with Travelers if you have poor credit is $1,789 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

This is still 6% cheaper than the national average. And rates are even lower if you have good credit, averaging $1,568 per year.

State availability

Travelers homeowners insurance is available in 48 states and Washington, D.C., but it's not available in Florida or California.

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2024 Policygenius award winner

USAA

USAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

USAA's robust coverages, high marks for customer service and claims satisfaction, and numerous policy perks for veterans make it the best home insurance company for members of the military and their families.

Pros and conschevron icon

Pros

  • Affordable rates

  • Over a dozen additional coverage options

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Limited to people affiliated with the U.S. military

More detailschevron icon

Why USAA is our top pick for military veterans

USAA stands out for offering coverage solely to current members of the military, veterans, and their families. It’s consistently a top-rated home insurance company when it comes to claims satisfaction, customer service, and financial stability.

It scores a perfect A++ rating with A.M. Best — higher than over 60 competitors we reviewed — meaning it likely has the financial strength and stability to pay out claims in the wake of a disaster.

The top-rated insurer also received 50% fewer complaints in 2021 than expected for a company of its size. To put that into perspective, our runner-up pick Armed Forces Insurance earned nearly four times more than similar-sized competitors.

And finally, USAA stands out for its stellar coverage add-ons that you won't find with other home insurance companies, including a special perk where it won’t charge you a deductible for covered losses to your military uniform or equipment while you’re on active duty.

How much does USAA home insurance cost?

The national average cost of home insurance with USAA is $1,479 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes USAA about 22% cheaper than the national average. 

State availability

USAA homeowners insurance is available in all 50 states and Washington, D.C.

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2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

All 50 states

Why we chose itchevron icon

Whether you’re looking for bare-bones coverage on the cheap or a more comprehensive policy package with additional coverages and features like short-term rental coverage and deductible rewards, you’ll likely be able to find it with Allstate.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why Allstate is our top pick for Airbnbs

If you rent out your property through a short-term rental service like Airbnb and a guest destroys or steals your property, Allstate’s HostAdvantage will pay up to $10,000 per rental host period to replace or repair your property.

And the best part? This coverage can be added directly onto your home insurance policy for a small additional fee. To put this into context, only about one-third of the nearly 70 home insurance companies we reviewed even offer home-sharing coverage at all.  

How much does Allstate home insurance cost?

The national average cost of home insurance with Allstate $1,650 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes Allstate about 13% cheaper than the national average.

State availability

Allstate offers home insurance policies in all 50 states and Washington, D.C.

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2024 Policygenius award winner

Hippo

Hippo home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Smart home discounts

Offers extended replacement cost

Usage-based discount

New homebuyer discount

Why we chose itchevron icon

Hippo's philosophy is simple: the best way to keep costs down is to prevent problems before they start. If you're interested in smart home tech or ways to keep maintenance costs down, consider Hippo for its array of tech-friendly discounts and programs.

Pros and conschevron icon

Pros

  • Affordable rates

  • Several tech-friendly discounts and incentives

  • Complimentary home maintenance service

Cons

  • Not able to file claims online

  • Lack of industry reputation

  • Tech-forward approach may not appeal to everybody

More detailschevron icon

Why Hippo is our top pick for home insurance for smart homes

Insurance premiums are, to a certain degree, based on what we don't know and the risk that comes with that uncertainty.

Installing home security systems and other protective devices is one of the most effective ways to reduce this uncertainty and save money on homeowners insurance, and no company emphasizes this more than Hippo.

Not only will Hippo discount your rates up to 25% if you have security cameras or other connected devices installed in your house — but it actually includes its own smart home monitoring kit with each policy. For context, only a handful of competitors offer something like this.

While this type of homeowners insurance isn't for everybody, if you're interested in modernizing your home and saving money on insurance in the process, Hippo is a great option.

How much does Hippo home insurance cost?

The national average cost of home insurance with Hippo $1,138 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes Hippo about 40% cheaper than the national average.

State availability

Hippo homeowners insurance is available in the following 39 states and Washington, D.C.:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, and Wisconsin.

Neptune

Neptune flood insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers flood insurance

Why we chose itchevron icon

If you live in a flood-prone area and you're interested in comprehensive flood insurance coverage with a short waiting period, look no further than Neptune flood insurance.

Pros and conschevron icon

Pros

  • Relatively affordable private flood insurance option

  • Offers up to $4 million in building coverage

  • Up to $10,000 in coverage for belongings in your basement

Cons

  • Possibly more difficult to obtain Neptune coverage compared to the NFIP

  • You'll likely pay more for Neptune flood insurance compared to the NFIP

More detailschevron icon

Why Neptune is our top private flood insurance pick

Most homeowners insurance policies won't cover flooding, which is why most homeowners turn to the National Flood Insurance Program (NFIP) to purchase coverage.

However, the NFIP limits how much flood insurance coverage you can purchase (up to $250,000 in building coverage, $100,000 in contents coverage). And if you need your policy right away — well tough luck, you'll have to wait 30 days before your coverage is active.

Alternatively, Neptune’s private flood insurance option offers higher coverage limits, more comprehensive protection for possessions, and a maximum waiting period of 10 days.

And unlike many of its private flood insurance competitors, Neptune writes policies in most areas of the country.

How much does Neptune flood insurance cost?

The national average cost of flood insurance with Neptune is $749 per year, according to policy data that Policygenius obtained from the National Association of Insurance Commissioners. This is on part with what homeowners pay for flood insurance through the NFIP.

State availability

Neptune offers flood insurance policies in every state and Washington, D.C. except Alaska, Arkansas, Idaho, Illinois, Kentucky, Louisiana, Montana, North Dakota, South Dakota, Utah, Vermont, and Wyoming.

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Best overall company: Auto-Owners Insurance

  • Coverage options: Auto-Owners offers a slew of coverage add-ons and supplemental policies, including guaranteed replacement cost, professional liability protection, and a Homeowners Plus package that rolls several policy endorsements into one.

  • Customer satisfaction ratings: Auto-Owners earned below-average scores on J.D. Power's digital experience and claims satisfaction studies. However, it did well on the National Association of Insurance Commissioner's (NAIC) National Complaint Index — it received 22% fewer customer complaints than other similar-sized home insurance companies.

  • Awards: Founded around 100 years ago in 1916, Auto-Owners has a longstanding history in the insurance space. While it's not one of the 10 largest home insurance companies in the U.S. by market share, it earns the top spot "Best overall company" on our list thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.

Best customer service: Amica

  • Coverage options: Some of Amica's standout coverage add-ons include extended replacement cost coverage for your home, water damage protection, flood insurance through the NFIP, and loss assessment coverage if you live in a condo or gated community.

  • Customer satisfaction ratings: Amica took the top spot on J.D. Power's 2023 U.S. Insurance Digital Experience Study for overall customer satisfaction for service. It also received the second-highest score on J.D. Power's 2023 U.S. Property Claims Satisfaction Study.

  • Awards: Founded over 100 years ago in 1907, Amica is a veteran in the home insurance space and earns an A+ (Superior) rating from AM Best — the second-highest rating available — for its financial strength and stability.

Best for discounts and policy perks: Farmers

  • Coverage options: Farmers shines thanks to the wealth of coverage add-ons available, including both guaranteed and extended replacement cost coverage for your home, water backup protection, ordinance or law coverage, flood insurance through the NFIP, and earthquake coverage.

  • Customer satisfaction ratings: Farmers earned the second-highest score on J.D. Power's 2023 U.S. Insurance Digital Experience Study for shopping. However, it received below-average marks on the same study for service, as well as on J.D. Power's 2023 Property Claims Satisfaction Study.

  • Awards: Founded in 1928, Farmers earns a spot on our list of the Best Auto & Home Insurance Companies of 2024, as well as the No. 5 spot on our list of the Largest Home Insurance Companies in the U.S.

Best for hassle-free claims service: Nationwide

  • Coverage options: You have the option to add up to 14 additional coverages to your Nationwide homeowners insurance policy, including guaranteed and extended replacement cost coverage for your home, better roof replacement coverage, equipment breakdown, water backup protection, and more. You can also purchase separate umbrella, earthquake, or flood insurance to fill in important gaps in coverage.

  • Customer satisfaction ratings: Nationwide earned an above-average score on J.D. Power's 2023 U.S. Insurance Digital Experience Study for service, though its score for customers' shopping experience is slightly below average. It also received the No. 3 spot for claims satisfaction on J.D. Power's 2023 U.S. Property Claims Satisfaction Study.

  • Awards: Founded in 1926, Nationwide is the eighth largest home insurance company in the country, according to our list of the 10 Largest Home Insurance Companies in 2024.

Best for high-risk homes: Foremost

  • Coverage options: Foremost offers a plethora of additional coverage add-ons that rival competitors, including guaranteed and extended replacement cost coverage for your home, water backup and equipment breakdown protection, ordinance or law coverage, service line protection, home-sharing coverage, and flood insurance through the NFIP.

  • Customer satisfaction ratings: Foremost wasn't included on J.D. Power's 2023 Claims Satisfaction or Digital Experience surveys. However, it earned 27% fewer customer complaints than similar-sized home insurance companies in 2021, according to the NAIC's National Complaint Index.

  • Awards: Founded over 70 years ago in 1952, Foremost didn't earn a spot on our Cheapest Companies, Bundling, or Largest Companies lists in 2024.

Learn more >> Best high-risk home insurance companies of 2024

Best for widely available coverage: State Farm

  • Coverage options: State Farm's coverage options include everything from extended replacement cost and home systems protection to flood coverage for homeowners in areas at high-risk of natural disasters. You also add inflation guard coverage to your policy — a valuable coverage add-on that adjusts your coverage each year to compensate for increases in construction and labor costs in your area due to inflation.

  • Customer satisfaction ratings: State Farm earned above-average scores on J.D. Power’s 2023 customer satisfaction, claims, and digital experience surveys. Where it fell short is on the NAIC National Complaint Index — it earned around 20% more complaints than other home insurance companies of its size in 2021.

  • Awards: Founded over 100 years ago in 1922, State Farm is the largest home insurance company in the U.S. by market share, according to the NAIC. [1] It also earns a spot on our list of the Best Auto & Home Insurance Bundles of 2024.

Best for new homeowners: AAA

  • Coverage options: AAA offers a stellar selection of policy add-ons, including extended replacement cost for your home, replacement cost for your personal belongings, water damage, flood insurance through the NFIP, earthquake coverage through the California Earthquake Authority, and more.

  • Customer satisfaction ratings: AAA earned an above-average score on J.D. Power’s 2023 Digital Experience Survey for its shopping experience, but a below-average score for customer service and on J.D. Power's 2023 Claims Satisfaction Study. The company as a whole also earned over four times more complaints than similar-sized home insurance companies in 2021, according to the NAIC National Complaint Index.

  • Awards: Founded in 1902, AAA earned an A rating (Excellent) with AM Best, which proves it’s in a good position financially to pay out claims in the wake of a disaster.

Best for customizable policy options: American Family

  • Coverage options: When it comes to coverage options, there are few companies that do better than American Family. You can choose from three policy tiers with various levels of protection, or customize a policy to your liking with up to 15 additional coverage options, including inland flood, equipment breakdown, and service line coverage.

  • Customer satisfaction ratings: American Family ranked No. 2 on J.D. Power’s 2023 Digital Experience Survey for its outstanding shopping experience, however it scored slightly below average for service. The insurer also earned an above-average score in J.D. Power's 2023 Claims Satisfaction Study, and received fewer customer complaints from 2019 to 2021 than other companies of its size, according to the NAIC National Complaint Index Report.

  • Awards: Founded in 1927, American Family is the seventh largest home insurance company in the U.S. by market share, according to the NAIC.

Best for comprehensive dwelling coverage: Erie

  • Coverage options: Erie offers a comprehensive base policy that rivals competitors, which includes coverages like guaranteed replacement cost, all-risk protection, and never before seen coverages like gift card reimbursements. Erie customers can also take advantage of its three comprehensive policy packages that include additional protection for things like underground service lines and appliance breakdown.

  • Customer satisfaction ratings: Erie earned the highest score possible in J.D. Power’s 2023 customer and claims satisfaction study. It also earned an above-average score for shopping in J.D. Power's 2023 Digital Experience Survey, but a below-average score for customer service. However, it fared well on the NAIC National Complaint Index Report —it earned about 68% fewer customer complaints from 2019 to 2021 compared to other companies of its size.

  • Awards: Founded around 200 years ago in 1800, Erie has the longest history in the insurance industry than any other company on this list. While it's not one of the 10 largest home insurance companies in the U.S. by market share, it earns the title of "Best for comprehensive dwelling coverage" on our list thanks to its base policy that comes with coverages that typically cost extra with other insurers, such as guaranteed replacement cost and lost or misplaced items coverage.

Best for high-value homes: Openly

  • Coverage options: Openly insurance is ideal for homeowners with high-value homes looking for a policy they can customize to fit their unique needs. It offers a slew of valuable coverage add-ons, including guaranteed replacement cost coverage for your home, scheduled and blanket personal property protection, earthquake coverage, and loss assessment protection with high limits if you live in a community with an HOA.

  • Customer satisfaction ratings: Openly wasn’t included in J.D. Power’s 2022 overall customer satisfaction, claims satisfaction, or digital experience surveys since it’s such a new insurance company with limited reach. However, in 2021, Rock Ridge Insurance Company — the company that underwrites Openly’s policies — had 90% fewer complaints than similar insurance companies of its size, according to the NAIC's National Complaint Index.

  • Awards: Founded in 1975, Openly earned an A- rating (Excellent) with AM Best, which proves it’s in a good position financially to pay out claims in the wake of a disaster.

Best for lapse in coverage: Stillwater

  • Coverage options: Stillwater Insurance offers a slew of coverages you can add on to your policy, including extended replacement cost coverage for your home and replacement cost coverage for your personal belongings, water backup and service line coverage, inland flooding protection, inflation guard coverage, and more.

  • Customer satisfaction ratings: Stillwater Insurance wasn’t included in J.D. Power’s 2022 overall customer satisfaction, claims satisfaction, or digital experience surveys. However, in 2021, Stillwater had around 30% fewer complaints than similar insurance companies of its size in the NAIC's National Complaint Index.

  • Awards: Founded just over 30 years ago in 1990, Stillwater earned an A- rating (Excellent) with AM Best, meaning it likely has the financial means to pay out claims after a natural disaster.

Learn more >> What happens when your home insurance lapses

Best for poor credit: Travelers

  • Coverage options: In addition to offering all of the standard home insurance coverages, Travelers has up to 12 optional coverages, including extended dwelling coverage, water backup coverage, and standalone flood insurance through the NFIP. 

  • Customer satisfaction ratings: Of the companies included in J.D. Power’s 2023 customer satisfaction, claims satisfaction, and digital experience surveys, Travelers scored below the industry average. However, Travelers made up for the lower-than-average J.D. Power ratings by scoring favorably in the National Association of Insurance Commissioners National Complaint Index Report. From 2019 to 2021, Travelers received about half as many complaints as expected for a company of its size.

  • Awards: In business for 170 years, Travelers takes the No. 6 spot on our list of the Largest Home Insurance Companies of 2024, with $5.6 billion in written premiums in 2022 and holds a 4.64% market share in the U.S.

Learn more >> How your credit score affects home insurance rates

Best for military families: USAA

  • Coverage options: USAA offers 15 optional policy add-ons, including extended dwelling coverage, protection for military uniforms, computers coverage, and standalone NFIP flood insurance and CEA earthquake insurance.

  • Customer satisfaction ratings: USAA earned the second-highest score in J.D. Power’s 2023 customer and claims satisfaction study, and had the third-highest score in its 2023 digital experience study for customer service.

  • Awards: Founded over 100 years ago, USAA takes the No. 3 spot on our list of the largest home insurance companies of 2024, with $8 billion in written premiums in 2022 and holds a 6.67% market share in the U.S.

Learn more >> Best home insurance for veterans & military families in 2024

Best for Airbnbs: Allstate

  • Coverage options: Allstate offers a complete standard policy package and nine available coverage endorsements, including valuable add-ons like water backup, business property, and short-term rental coverage. Allstate also offers umbrella insurance and flood insurance separately, helping potential customers fill two important coverage gaps.

  • Customer satisfaction ratings: Of the companies that were included in J.D. Power’s 2023 claims satisfaction and digital experience surveys, Allstate had below-average scores for both. But where Allstate made up ground was the below-average number of customer complaints it received from 2019 to 2021, according to the NAIC National Complaint Index Report.

  • Awards: Founded in 1931, Allstate takes the No. 2 spot on our list of the largest home insurance companies of 2024, with $10.5 billion in written premiums in 2022 and holds an 8.77% market share in the U.S.

Best for smart homes: Hippo

  • Coverage options: Hippo home insurance is a great option for homeowners willing to install smart home monitoring kits that detect everything from break-ins to water leaks in order to keep rates low. It's also a good choice if you're looking to get coverage for your home office, personal computers, and appliances without paying higher premiums. However, it doesn’t appear to offer flood insurance, ordinance or law protection, umbrella insurance, and other important coverages. 

  • Customer satisfaction ratings: Hippo wasn’t included in J.D. Power’s 2023 overall customer satisfaction, claims satisfaction, or digital experience surveys. However, in 2021, Hippo received around 30% fewer complaints than similar insurance companies of its size in the NAIC's National Complaint Index.

  • Awards: Founded less than 10 years ago in 2015, Hippo earned an A- rating (Excellent) with AM Best, meaning it likely has the financial means to pay out claims after a natural disaster.

Best private flood insurance company: Neptune

  • Coverage options: Neptune offers comprehensive flood insurance with high coverage limits of up to $4 million for your home and $500,000 for your personal belongings. In addition to standard flood insurance coverage, Neptune provides up to $10,000 in coverage for belongings stored in your basement, temporary living expenses while your house is undergoing repairs after a flood, and pool refill and repairs coverage.

  • Customer satisfaction ratings: Neptune wasn’t included in J.D. Power’s 2023 overall customer satisfaction, claims satisfaction, or digital experience surveys. However, in 2021, Hippo received fewer complaints than similar insurance companies of its size in the NAIC's National Complaint Index.

  • Awards: As a newer company founded in 2016, Neptune flood insurance is financially backed by several industry-leading companies with an A rating (Excellent) or better from AM Best. This means it’s in an excellent position to pay out claims after a disaster — regardless of whether or not there’s an economic downturn. 

Best homeowners insurance in your state

That said, homeowners insurance premiums can vary greatly depending on your state, city, or even ZIP code. You’ll find that states with more severe weather and natural disasters — like Florida, Texas, and Oklahoma — have higher homeowners insurance rates than states with more mild weather.

As of 2024, Hawaii residents have the cheapest average annual premiums, while Oklahoma residents pay the most, according to our latest analysis.

Find the best and cheapest home insurance companies in your state.

State

Average annual cost

Highest-rated insurer

Cheapest insurer

Alabama

$1,982

USAA

USAA

Alaska

$1,398

USAA

Western National

Arizona

$1,762

USAA

Armed Forces Insurance

Arkansas

$2,924

USAA

State Auto

California

$1,436

USAA

Allstate

Colorado

$2,472

USAA

State Auto

Connecticut

$1,359

USAA

Vermont Mutual

Delaware

$928

Allstate

Cumberland Mutual

District of Columbia

$1,154

USAA

Chubb

Florida

$2,442

State Farm

Security First Insurance

Georgia

$1,956

USAA

Cincinnati Insurance

Hawaii

$486

Allstate

DB Insurance

Idaho

$1,352

USAA

American National

Illinois

$1,775

USAA

Auto-Owners Insurance

Indiana

$1,719

USAA

Allstate

Iowa

$1,714

USAA

West Bend Mutual

Kansas

$3,094

Auto-Owners Insurance

Armed Forces Insurance

Kentucky

$2,622

Auto-Owners Insurance

State Auto

Louisiana

$2,507

USAA

Armed Forces Insurance

Maine

$1,076

Auto-Owners Insurance

Vermont Mutual

Maryland

$1,575

USAA

Brethern Mutual

Massachusetts

$1,285

USAA

Quincy Mutual

Michigan

$1,550

USAA

Auto-Owners Insurance

Minnesota

$1,937

Auto-Owners Insurance

Auto-Owners Insurance

Mississippi

$2,655

USAA

Allstate

Missouri

$2,627

USAA

Armed Forces Insurance

Montana

$2,213

USAA

Chubb

Nebraska

$3,741

USAA

American Family

Nevada

$1,209

USAA

Universal Group

New Hampshire

$967

USAA

NGM Insurance

New Jersey

$904

USAA

Cumberland Mutual

New Mexico

$1,686

State Farm

Farmers

New York

$1,139

Allstate

NYCM Insurance

North Carolina

$1,580

USAA

Kemper

North Dakota

$1,890

Auto-Owners Insurance

North Star Mutual

Ohio

$1,297

USAA

Westfield Insurance

Oklahoma

$4,230

USAA

Allstate

Oregon

$905

USAA

Mutual of Enumclaw Insurance

Pennsylvania

$1,162

USAA

Cumberland Mutual

Rhode Island

$1,358

Allstate

Narragansett Bay

South Carolina

$1,696

USAA

USAA

South Dakota

$2,418

USAA

State Auto

Tennessee

$2,242

USAA

State Auto

Texas

$3,027

USAA

Farmers

Utah

$923

USAA

American Family

Vermont

$900

USAA

Auto-Owners Insurance

Virginia

$1,329

Auto-Owners Insurance

Cincinnati Insurance

Washington

$1,216

USAA

Allstate

West Virginia

$1,464

USAA

USAA

Wisconsin

$1,177

USAA

West Bend Mutual

Wyoming

$1,599

USAA

USAA

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Learn more >> Home insurance rates by ZIP code

Best insurance companies for home and auto in 2024

Most major insurance providers offer significant savings when you bundle your home and auto insurance or purchase multiple types of insurance. On average, customers can save anywhere from 5% to 30% on home insurance premiums alone, according to our analysis of Quadrant Information Services bundling data.

Here are the best insurance companies for home and auto bundles, according to our 2024 analysis.

Company

Policygenius bundling rating 

Average bundling rate for home & auto

Average savings

Auto-Owners Insurance

4.9 out of 5

$2,405

12%

USAA

4.7 out of 5

$2,434

6%

State Farm

4.7 out of 5 

$2,341

26%

Erie

4.5 out of 5 

$2,142

18%

Farmers

4.0 out of 5

$3,450

18%

Learn more >> The best home and auto insurance bundles of 2024

Cheapest home insurance companies in 2024

Erie, Auto-Owners Insurance, and USAA top our list of the cheapest home insurance companies of 2024 thanks to premiums that are as much as 31% below the national average. Check out the rest of our picks to find an affordable home insurance company to get quotes from:

Company

Policygenius rating 

Average annual cost

% difference from national average

Auto-Owners Insurance

5 out of 5

$1,406

22% cheaper

USAA

4.9 out of 5 

$1,479

17% cheaper

Erie

4.5 out of 5

$1,284

31% cheaper

Travelers

4.4 out of 5

$1,568

11% cheaper

Homesite

4.3 out of 5 

$1,487

16% cheaper

Learn more >> The cheapest home insurance companies of 2024

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Best home insurance buyers guide

While purchasing homeowners insurance may seem overwhelming, comparing home insurance companies is a great way to ensure you’re selecting a company and policy that suits your needs.

In this section, we break down what homeowners insurance is, how much it costs, how to choose the best home insurance for you, and the highest rated and cheapest homeowners insurance companies in each state.

Scroll down or click on the links to jump further down the page.

How much does homeowners insurance cost?

Homeowners insurance costs an average of $1,754 per year, according to our analysis of home insurance rates provided by Quadrant Information Services.

Of the country's 15 largest insurers, Erie offers the best rates on homeowners insurance at $1,284 per year, according to our analysis of sample quotes in every state and ZIP code for a home with $300,000 in dwelling coverage.

If Erie home insurance isn't available where you live, consider the other affordable and top-rated companies below, including Narragansett Bay, Auto-Owners Insurance, USAA, and Homesite.

Company

Average annual cost

Erie

$1,284

Narragansett Bay

$1,373

Auto-Owners Insurance

$1,406

USAA

$1,479

Homesite

$1,487

Travelers

$1,568

Safeco

$1,633

Allstate

$1,650

American Family

$1,692

Chubb

$1,706

Amica

$1,756

Farmers

$1,845

AAA

$1,879

State Farm

$1,887

Nationwide

$1,966

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Based on 2022 sample homeowners insurance quotes from Quadrant Information Services for a home with $300,000 in dwelling coverage and a $1,000 deductible.

Learn more >> The 10 cheapest home insurance companies in the U.S.

How to choose the best homeowners insurance

Not all home insurance companies are created equal. Follow these steps to compare your options and find a policy that’s a perfect fit for your coverage needs at the best home insurance rates. 

How to find the best homeowners insurance company for you

  1. Determine your coverage needs

  2. Compare home insurance quotes from a few companies

  3. Research companies’ financial & customer satisfaction ratings

  4. Check for home insurance discounts

1. Determine your coverage needs

Standard home insurance policies cover the structure of your home and detached structures, temporary living expenses after a disaster, and medical and legal expenses if you’re held liable for an injury on your property.

Your dwelling coverage amount should be equal to your home’s replacement cost, or the cost to rebuild after a total loss. This amount is determined by factors such as your home’s square footage and local construction costs — not the home’s market value or remaining mortgage amount.

You’ll also want to factor in any high-value belongings that you own — such as a jewelry collection, rare artwork, or expensive electronics — when setting your personal property coverage amounts. Depending on the quantity or value of the belongings you own, you may want to consider replacement cost personal property coverage or a personal articles floater for your policy.

Learn more >> How much home insurance do I need?

2. Compare home insurance quotes from a few companies 

You know what you care about in a company and how much coverage you need. Now it’s time to shop around. We recommend comparing quotes from at least three different companies to help you find the cheapest policy you qualify for.

Our homeowners insurance experts at Policygenius can do all of the work for you — you simply need to enter some basic information about yourself and your home to get online quotes in just minutes.

When comparing costs, keep in mind that the average homeowner spends roughly $1,899 per year on homeowners insurance. But how much you pay will vary, as no two houses and homeowners are exactly the same.

You’ll also want to keep in mind that your quoted premium is just an estimate and might change after your home is inspected, your credit is checked, and discounts are applied to your policy.

3. Research financial strength and customer satisfaction ratings

Once you have your quotes, check the customer service and complaints ratings for each company. 

You can do this by reading our detailed reviews of popular home insurance companies. In these, you’ll find each company’s J.D. Power rating, which is based on feedback from customer satisfaction surveys of over 10,000 homeowners and renters annually. [2]

4. Check for home insurance discounts

Dig into what discounts are available through each of the companies you received quotes from to maximize your savings.

You might be able to score a discount for bundling your home and auto policies, buying a new home, going years with no claims, paying your premiums in full for the year, installing safety devices through your home, and more.

No one company offers all of the same discount opportunities, so do your research to find the one that helps you score the best homeowners insurance rates for your coverage needs.

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What is homeowners insurance?

Homeowners insurance is a financial safety net for your home, protecting your home and belongings from covered losses such as a fire or theft. It also shields your assets from expensive litigation in the event someone is injured on your property and you're ruled legally responsible.

Without homeowners insurance, if your house is damaged by a covered peril or you’re liable for someone’s legal or medical expenses, you’ll be left covering these costs out of pocket. For that reason, we recommend purchasing enough homeowners insurance to cover the full replacement cost of the home; and enough liability protection to cover the total value of your assets.

Learn more >> How does homeowners insurance work?

What does homeowners insurance cover?

A standard homeowners insurance policy includes six coverages:

  • Dwelling coverage: Pays to repair or rebuild your home and attached structures — like an attached garage — if it’s damaged by a covered peril, like a burst pipe.

  • Other structures coverage: Pays to repair or rebuild other structures on your property — like a shed or detached garage — if they’re damaged by a covered peril.

  • Personal property coverage: Pays to repair or replace your belongings if they’re stolen or damaged by a covered peril.

  • Loss of use coverage: Pays for additional living expenses — like hotel stays, restaurant meals, and gas — if you need to temporarily live elsewhere while your home is being repaired.

  • Personal liability coverage: Pays for someone else’s medical expenses or property damages if you’re legally responsible — like if your dog attacks a guest. Also pays for your legal fees if the injured party takes you to court over the matter.

  • Medical payments coverage: Pays for more minor medical expenses if a guest is injured at your home — like an ambulance ride or an X-ray — regardless of who’s at fault.

What does homeowners insurance not cover?

There are certain types of loss excluded from home insurance coverage. You may be able to add additional coverages, called home insurance endorsements, to your policy for a fee to cover these excluded types of loss. Or you may have the option of purchasing a separate insurance policy, like flood insurance.

Here are some common home insurance exclusions:

  • Flooding: Home insurance never covers damage caused by flooding, but some insurers may offer endorsements that you can add to your policy. You can also buy a separate flood insurance policy through the National Flood Insurance Program, a FEMA-backed organization, or on the private marketplace. 

  • Earthquakes: Homeowners insurance excludes coverage for earthquakes. If you live in an area that is at risk for quake damage, consider adding earthquake protection to your homeowners policy or purchasing separate earthquake insurance. 

  • Maintenance issues: Homeowners insurance is designed to cover sudden, accidental damage. If your roof is damaged due to maintenance issues like general wear and tear or gradual damage over time, you won’t be covered. 

  • Pest damage: Pest infestations take time to occur, so home insurance typically doesn't cover bed bugs or termites infesting your home.

  • Sump pump and water backups: Home insurance excludes coverage for damage caused by drainage, sump pump, and water backups. However, most major insurers offer water backup coverage that you can add to your policy for an additional fee.

Learn more >> What home insurance covers — and what it doesn’t 

What are the main types of homeowners insurance?

There are up to eight different kinds of homeowners insurance for various property types and coverage needs. But in most cases, if you own your home and you live there most of the year, you'll need one of the following policy types.

  • HO-3 – Special Form: An HO-3 policy is the most common form of homeowners insurance. It’s designed for standard homes and contains all of the coverages described above: dwelling, other structures, personal property, loss of use, personal liability, and medical expenses coverages. 

  • HO-5 – Comprehensive Form: An HO-5 comprehensive form policy is just what it sounds like — it offers the most complete protection for single-family homes. An HO-5 is nearly identical to the HO-3, but with more comprehensive coverage for personal belongings.

  • HO-6 – Unit Owners Form: Also known as condo insurance, HO-6 policies are designed for people who own a condominium or live in a co-op. The amount of condo insurance you need will depend on your condo association’s HOA insurance.  

Learn more >> 8 different types of homeowners insurance

Best home insurance coverages for natural disasters & inflation

Home construction costs are continuing to go up due to high inflation, ongoing labor shortages, and more destructive natural disasters.

Your homeowners insurance policy limits should be based on the home's replacement cost in case it's destroyed, so it's more important than ever to ensure your coverage amounts are keeping pace with these rising costs. [3] [4] Fortunately, many homeowners insurance providers offer optional coverages that you can add to your policy to protect against inflation and natural disaster-driven rebuild cost increases.

However, according to the 2023 Policygenius Home Insurance & Inflation Shopping Survey, many homeowners may be without this additional safety net — potentially putting their home and finances at risk.

More than half of homeowners (56%) said that they didn't review their policy in the last year to see how much coverage they had. And even fewer said that they had added valuable coverages to their policy to offset higher rebuild costs due to inflation and natural disasters.

47% of homeowners may be without crucial coverages to protect against rising rebuild costs

When looking for homeowners insurance, consider a company that offers some or all of the following coverages. These are all especially valuable if you live in an area at high risk of hurricanes, wildfires, tornadoes, or other disasters.

Home

Home insurance rates were up nationwide in 2022, but Policygenius can help you save

Home insurance premiums were up an average of 21% last year, according to the Policygenius Home Insurance Pricing Report.

Between May 2022 and May 2023, Florida homeowners faced an average premium increase of 35% at renewal, followed by Idaho at 31%, Colorado at 30%, South Dakota at 28%, and Louisiana, Texas, and Oklahoma at 27%, according to our analysis.

That’s why now, more than ever, it pays to compare home insurance quotes from at least three companies to ensure you’re getting the best possible coverage at the lowest possible price.

Policygenius can help you do this. From sending you multiple quotes to handling all of the paperwork for you, we can help you save on home insurance and get the best home insurance rate when everyone else is paying more.

And the proof is in the numbers: Our customers save an average of 30% on their homeowners insurance when shopping through us.

Learn more >> How to calculate the cost of home insurance

Best home insurance discounts

Most homeowners insurance companies will discount your premiums if you take steps to make your home safer or if you go a certain number of years without filing a claim.

So whether your homeowners insurance rate skyrocketed recently or you’re interested in taking proactive steps to keep costs down, make sure to ask your insurance agent about these widely available discounts. 

  • Multi-policy: If you bundle your home and auto insurance — or another insurance policy offered by the company.

  • Claims-free: If you go a certain number of years without filing a claim, your insurance company may reward you with a generous discount. If you haven’t filed a claim in over five years and you don’t see this discount on your policy’s declarations page, be sure to contact your insurance company to let them know.

  • Loyalty: If you’ve insured your home with the same insurer for at least two consecutive years. Typically, the more time you’ve spent with the same company, the more you’ll save.

  • Protective devices: If you have burglar alarms, fire alarms, fire sprinklers, or other safety or security devices installed in your home

  • New or remodeled home: If your home is a new build or recently underwent renovations.

  • Paid-in-full: If you pay your premiums for the year up front. 

  • Advance purchase: If you purchase your home insurance policy a certain number of days before it goes into effect.

  • Paperless: If you sign up to receive your policy and documents electronically.

How to file a home insurance claim

Follow these steps to speed up the home insurance claims process

  1. Survey the damage and file a police report if needed. If your home was broken into or vandalized, you’ll need to file a police report in order to file a claim. 

  2. Contact your insurance company right away. You can do this via phone, email, online, or through a mobile app depending on your home insurance company.

  3. Document the damage. It’s a good idea to take photos of the damage and even videos to provide proof when you file your claim. 

  4. Make temporary repairs. If your home is water damaged, for example, find the source to prevent further damage to your things. 

  5. Meet with the insurance adjuster and consider hiring a contractor. Once you file a claim, your insurance company will likely send out an adjuster to survey the damage and come up with an estimate of repair costs. You can also hire your own licensed contractor if you’d like a second opinion or think the insurance adjuster’s estimate is too low. 

  6. Receive a claim payout for repairs or to buy new things. Once your claim is submitted and approved, your insurance company will send a claim payment to you or your contractor to make repairs or replace damaged items.

How your home insurance claim is paid

The amount your homeowners insurance company reimburses you after a claim will depend on whether you have actual cash value or replacement cost coverage.

  • Actual cash value home insurance policies reimburse you for the depreciated value of your stolen or damaged property. That means if your 5-year-old TV is stolen, you'll be reimbursed for the value of a new TV minus five years of wear and tear or depreciation.

  • Replacement cost value home insurance policies reimburse you for the value of whatever was damaged or stolen without deducting for depreciation. That means if that same TV was stolen and you had a replacement cost policy, your claim payment would be the value of a new TV.

Learn more >> Actual cash value vs. replacement cost home insurance

Top-rated homeowners insurance recap

Company

Policygenius rating

Best for

Auto-Owners Insurance

5.0 out of 5

Overall

USAA

4.9 out of 5

Military families

State Farm

4.8 out of 5

Widely available coverage

Amica

4.6 out of 5

Customer service

Openly

4.6 out of 5

High-value homes

Stillwater

4.5 out of 5

Lapse in coverage

American Family

4.5 out of 5

Customizable policy options

Erie

4.5 out of 5

Comprehensive dwelling coverage

Farmers

4.5 out of 5

Discounts and policy perks

Nationwide

4.5 out of 5

Easy claims filing

Travelers

4.4 out of 5

Bad credit

Allstate

4.4 out of 5

Airbnbs

AAA

4.3 out of 5

New homeowners

Hippo

4.3 out of 5

Smart home insurance

Foremost

4.2 out of 5

High-risk homes

Neptune

Not rated

Private flood insurance

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Frequently asked questions

How do I get the best quote on my homeowners insurance?

To get the best quote on your homeowners insurance, experts recommend working with an insurance marketplace like Policygenius or an independent agent who sells policies from multiple different companies.

Whichever way you decide to go, you'll simply answer a few brief questions about your property, and a licensed insurance agent will provide you with personalized coverage options from several different home insurance companies willing to work with you. You can then compare quotes and choose the insurance policy that best fits your needs and budget.

What is the most popular type of homeowners insurace?

The most popular type of homeowners insurance is an HO-3 insurance policy. It accounted for around 78% of all home insurance policies in the U.S. in 2023, according to the National Association of Insurance Commissioners.

An HO-3 homeowners insurance policy covers your home, personal belongings, and finances in the event your property is damaged or you’re held liable for an accident. It provides coverage against all perils except for the ones specifically listed in your policy.

Who has the cheapest homeowners insurance?

Erie has the cheapest homeowners insurance of any company in our analysis thanks to its $1,284 average annual premium. However, the cheapest company for you will depend on factors like your deductible, coverage amount, add-ons, discounts you qualify for, and more.

Who has the best homeowners insurance in Texas?

State Farm, Farmers, and Nationwide top our list of the best homeowners insurance companies in Texas.

  • State Farm is one of the best overall home insurance providers in Texas thanks to its statewide availability, large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.

  • Farmers earns our best pick for policy perks and discounts thanks to its 20% discount when you bundle your home and car insurance — among other stellar discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

  • Nationwide home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.

Who has the best homeowners insurance in Florida?

State Farm, Security First Insurance, and Frontline Insurance top our list of the best homeowners insurance companies in Florida.

  • State Farm is the best overall home insurance company in Florida thanks to its statewide availability, large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.

  • Security First Insurance earns our pick for most affordable rates thanks to its premiums that are $1,000 below the state average in Florida. It also stands out thanks to its wealth of discounts — 14 to be exact — that can help you save even more on coverage.

  • Frontline Insurance offers a rare cash-back program for your hurricane deductible — if you file a hurricane-related claim and go five years without filing a claim after that, you can get up to 100% of your hurricane deductible back in cash.

Policygenius prides itself on providing transparent, unbiased reviews of home insurance companies. Though we make money when you purchase a policy through our site, this does not affect our editorial independence and rigorous editorial standards. 

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References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. National Association of Insurance Commissioners

    . "

    Market Share Reports for Property/Casualty Groups and Companies By State and Countrywide 2022 edition

    ." Accessed July 24, 2023.

  2. J.D. Power

    . "

    Home Insurers Struggle with Customer Loyalty as Boomers Flock to Rental Market, J.D. Power Finds

    ." Accessed January 28, 2022.

  3. FRED, Federal Reserve Bank of St. Louis

    . "

    U.S. Bureau of Labor Statistics, Producer Price Index by Commodity: Inputs to Industries: Net Inputs to Residential Construction, Goods

    ." Accessed March 29, 2023.

  4. U.S. Bureau of Labor Statistics

    . "

    Table 1. Job openings levels and rates by industry and region, seasonally adjusted

    ." Accessed March 29, 2023.

Author

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Expert reviewer

Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

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