Your home is one of the most expensive purchases you’ll make, which is why choosing a home insurance company to protect your financial investment shouldn’t be taken lightly. That’s where our Policygenius home insurance reviews come in.
Our team of home insurance experts and licensed agents reviewed over 30 popular home insurance companies based on average costs, coverage options, customer service scores, and financial stability to make it easier for you to compare policies to find the best home insurance company for you.
Our home insurance company reviews
On this page, you’ll find a complete list of every home insurance company we rated, along with a brief overview of the type of homeowner they’re best for, and a few pros and cons. We’ve also linked out to each company’s full review, so you can easily learn more about a particular insurer that catches your eye.
AAA
4.3
Why we chose it
AAA home insurance is a stellar idea if you have an existing AAA membership or auto insurance policy — you’ll receive extra savings on your home insurance rate for either.
Pros and cons
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
Acuity
4.4
Why we chose it
Acuity home insurance stands out for its extensive optional coverages, a strong customer service track record, and one of the best policy bundling packages we’ve come across.
Pros and cons
Pros
Guaranteed replacement cost dwelling coverage available
Exceptional customer service and informational content
Bundling package includes several perks and incentives
Cons
Rates are higher than the national average
Limited discount options
Only available in 26 states
AIG
4.2
Why we chose it
AIG offers high-dollar policy limits, exclusive coverage add-ons, and complimentary wildfire and hurricane protection services — best for affluent homeowners looking to purchase multiple insurance policies with one luxury carrier.
Pros and cons
Pros
Offers higher coverage limits for high-value homes
Guaranteed & extended replacement cost coverage available
Complimentary wildfire and hurricane mitigation services
Cons
Can’t purchase a stand-alone home insurance policy
Only insures homes valued at $750,000+
Can’t file claims online
Allstate
4.4
Why we chose it
With industry-best coverage options, high financial strength and customer satisfaction ratings, and affordable rates in many states, Allstate is one of the best home insurance options on the market.
Pros and cons
Pros
High-quality and flexible policy options
Numerous discounts and features that help you save
Below-average customer complaints
Cons
Below-average digital experience rating with J.D. Power
American Family
4.5
Why we chose it
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 cons
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
Amica
4.6
Why we chose it
Amica home insurance is a solid choice for homeowners looking for affordable rates, a unique dividend policy option, and a company with stellar claims and customer satisfaction ratings.
Pros and cons
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
Auto-Owners Insurance
5.0
Why we chose it
Auto-Owners home insurance policies are among the most affordable and customizable around. They’re backed by impeccable financial ratings, making it a great coverage option in the 26 states where it’s available.
Pros and cons
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
Chubb
4.3
Why we chose it
Chubb home insurance is ideal for high-value properties, offering robust policy add-ons like replacement cost coverage for your home and belongings, advanced digital tools, and a personalized loss-settlement process if you need to file a claim.
Pros and cons
Pros
Extended replacement cost coverage
Cash-out claim settlements
Complimentary wildfire and hurricane mitigation services
Cons
Only insures high-value homes
Below-average J.D. Power customer satisfaction ratings
Citizens Property Insurance
2.5
Why we chose it
As Florida’s version of the Fair Access to Insurance Requirements (FAIR) Plan, Citizens home insurance might be a good fit if you’ve struggled to qualify for coverage due to multiple past claims, living in a high-risk coastal area, or having an old roof.
Pros and cons
Pros
Covers high-risk Florida homes that don’t qualify for coverage elsewhere
Wind, flood, and dwelling fire insurance policies available
Managed repair contractor network program
Cons
Rates are 3 times higher than the national average
Fewer coverage options and lower limits than competitors
No online quote tool
Encompass
4.5
Why we chose it
Encompass is an excellent option if you’re looking for comprehensive coverage add-ons with higher limits than what you’d find in a standard home insurance policy, including extended replacement cost coverage of up to 200% of your home’s value.
Pros and cons
Pros
Save up to 30% when you bundle your home and auto insurance
Guaranteed replacement cost coverage for your home available
Accepts all dog breeds — rare among insurance companies
Cons
Rates are nearly 25% higher than the national average
Can’t file insurance claims online
Not available in 10 states — Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming
Erie
4.5
Why we chose it
Erie home insurance features a wide variety of coverage options and highly-rated customer service at an affordable rate, making it a great option in the 12 states where it’s available.
Pros and cons
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
Farmers
4.5
Why we chose it
Farmers home insurance is a good option for homeowners looking for a robust lineup of coverage add-ons at a decent price to ensure your home, belongings, and personal liability are fully protected.
Pros and cons
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
Foremost
4.2
Why we chose it
Foremost is a great option for homeowners who’ve been denied coverage by traditional insurance companies. It’s willing to insure high-risk homes that are older, showing obvious signs of wear and tear, have an extensive claims history, and more.
Pros and cons
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
Geico
3.9
Why we chose it
Geico home insurance is best for homeowners looking to bundle their home insurance policy with their Geico auto insurance policy to score a multi-policy discount.
Pros and cons
Pros
Available in all 50 states
Bundling discount to save on home & auto insurance
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Geico places you with
Customer service & claims options vary by company
Hippo
4.3
Why we chose it
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.
Pros and cons
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
Homesite
4.3
Why we chose it
Homesite home insurance comes with affordable rates that are 25% lower than the national average — plus you can choose from 15 policy add-ons to ensure your home is fully protected.
Pros and cons
Pros
Affordable rates nearly 25% cheaper than the national average
15 policy add-ons for extra protection, including extended replacement cost coverage
Offers flood and earthquake insurance, plus complimentary wildfire protection and mitigation services
Cons
Low score in J.D. Power’s claims satisfaction study
Liberty Mutual
4.3
Why we chose it
Liberty Mutual is a good option for homeowners nationwide who are looking for a robust lineup of policy add-ons, including guaranteed replacement cost coverage, water backup protection, inflation guard coverage, and flood insurance through the NFIP.
Pros and cons
Pros
10+ discounts available to lower rates
Offers water backup coverage, inflation protection, and flood insurance
Available in all 50 states and Washington, D.C.
Cons
Below-average scores in J.D. Power’s overall customer satisfaction and digital experience surveys
3 times more complaints than other similar-sized insurance companies
Mercury
4.1
Why we chose it
Mercury home insurance has an impressive array of coverage options, bundling discounts, and is one of the top-rated companies for web and mobile experience, making it a solid option for homeowners in the 10 states where it’s available.
Pros and cons
Pros
Lower than average rates
Optional equipment breakdown, service line, and water backup coverage
No minimum dwelling coverage limit requirements
Cons
Strict roof underwriting restrictions
Higher-than-average number of customer complaints
Only available in 10 states
Nationwide
4.5
Why we chose it
Nationwide stands out for its multiple extended dwelling coverage options and high claims satisfaction ratings, making it a choice insurance option for homeowners in states prone to hurricanes or wildfires.
Pros and cons
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
Openly
4.6
Why we chose it
Openly insurance is ideal for homeowners with high-value homes up to $5 million who are looking for a policy they can customize to fit their unique needs, though it’s only available in 21 states.
Pros and cons
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
Plymouth Rock
4.3
Why we chose it
Plymouth Rock is ideal for homeowners in the Northeast looking for cheap rates that are 60% below the national average, as well as lots of coverage add-ons.
Pros and cons
Pros
Cheap rates that are around 60% lower than the national average
Guaranteed replacement cost coverage for your home available
Offer private flood insurance with up to $2 million in coverage through its partnership with Neptune Flood
Cons
Doesn’t offer replacement value coverage for your personal belongings
Only available in six states throughout the Northeast
Progressive
4.5
Why we chose it
As an insurance broker, We recommend Progressive home insurance if you’re looking to purchase home and auto insurance at the same time to score a multi-policy discount. Otherwise, you’re likely better off working with an insurance carrier directly.
Pros and cons
Pros
Available in all states except Alaska and Hawaii
Slew of policy and discount options available
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Progressive places you with
Customer service & claims options vary by company
Safeco
4.3
Why we chose it
Safeco home insurance could be a good pick for homeowners looking to bundle their home and auto insurance policies with one company, as it offers both a multi-policy discount and single-deductible claims if your car and home are damaged in the same event.
Pros and cons
Pros
Affordable rates — 15% below the national average
Extended replacement cost coverage for your home available
Only pay one deductible if your home and car are damaged in the same event when you bundle policies with Safeco
Cons
Not available in Alaska, Delaware, Florida, or Hawaii
Doesn’t offer water backup coverage or flood insurance
Below-average score in J.D. Power’s overall customer satisfaction study
State Auto
4.5
Why we chose it
State Auto home insurance is best for homeowners looking to find some of the lowest rates in the industry without compromising on coverage. It has the cheapest cost of all of the companies we reviewed, with an average rate of $857 per year.
Pros and cons
Pros
Cheapest overall rates of the companies we reviewed
Extended replacement cost coverage of up to 25%
15+ coverage add-ons for enhanced protection
Cons
Doesn’t offer guaranteed replacement cost coverage
Doesn’t offer flood insurance
Only available in 28 states
State Farm
4.8
Why we chose it
State Farm home insurance scores a near-perfect score 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 cons
Pros
Covers homes in all 50 states, including Florida and California
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
20% more complaints filed with the NAIC than other companies of its size
Stillwater
4.5
Why we chose it
Stillwater is a great option if you’re looking for low rates, a ton of discount opportunities, and lots of coverage add-ons. It’s also willing to work with homeowners who’ve had a lapse in coverage — rare to find in the insurance industry.
Pros and cons
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
Swyfft
3.5
Why we chose it
Swyfft homeowners insurance is best for convenience, potentially low premiums, and those who don’t mind taking their chances on what is a relatively untested insurance company.
Pros and cons
Pros
Offers up to $100,000 in blanket personal valuables coverage
Other than liability claims, prior losses don’t count against you
Optional sinkhole coverage
Cons
High number of customer complaints
Lack of industry reputation
Only available in 5 states
Tower Hill
3.6
Why we chose it
Tower Hill home insurance offers cheap rates and lots of coverage add-ons, including a rare private flood insurance endorsement with up to $5 million in protection.
Pros and cons
Pros
Cheap rates that are 50% lower than the national average
20+ coverages and policy add-ons available
Private flood insurance endorsement with up to $5 million in coverage
Cons
AM Best rating downgraded to B (fair) in Oct. 2022
Averaged 5 times more complaints than similar insurance companies in 2021
Only available in 21 states
Travelers
4.4
Why we chose it
Travelers is one of the oldest and most trusted home insurance providers in the business thanks to its industry-best financial ratings, flexible policy options for most home types and budgets, and availability in nearly every U.S. state.
Pros and cons
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
USAA
4.9
Why we chose it
USAA is the best home insurance option on the market for active duty military members, veterans, and their families, consistently scoring the best in J.D. Power’s customer and claims satisfaction studies.
Pros and cons
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
Our home insurance company ratings methodology
We don’t get paid for our company reviews and use a weighted rubric to determine each company’s rating based on four key areas: price, customer experience, coverage options, and financial strength.
Our unbiased research includes analyzing average home insurance premiums in 2022 from Quadrant Information Services; financial strength ratings from AM Best, Moody’s, and S&P; J.D. Power customer experience surveys; the National Association of Insurance Commissioners Complaint Index Report; and discount and coverage options listed on each insurer’s website.
As an insurance marketplace, some of the companies listed above are Policygenius partners who offer coverage through our licensed agents. However, this does not influence how we rate these companies, and you’ll see a disclaimer on any reviews for our partner carriers.
Learn more >> How we rate homeowners insurance companies
