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 60 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.
2023 Policygenius award winner
AAA

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

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

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
Alfa Insurance

Why we chose it
With excellent customer service ratings, strong financial stability, and nearly 80 years of experience in the industry, Alfa home insurance is a solid choice for homeowners seeking reliability.
Pros and cons
Pros
Receives fewer complaints than other companies of its size
Offers a comprehensive website and mobile app
High financial strength rating with A.M. Best, meaning it likely has the reserves to pay out claims in the wake of a natural disaster
Cons
Rates are nearly $1,000 more than the national average, and it only offers 4 discounts
Only available in 6 states throughout the South
Fewer coverage add-ons and discounts compared to larger home insurance companies
2023 Policygenius award winner
Allstate

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
2023 Policygenius award winner
American Family

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
American Modern

Why we chose it
If you’ve had trouble finding a homeowners insurance policy due to the age of your home, its location, condition, or its claims history, American Modern is a good alternative to consider since it specializes in home insurance for high-risk homes.
Pros and cons
Pros
Covers high-risk homes that have been rejected by other standard insurers due to age, location, or claims history
Offers a slew of policy add-ons and coverages for different types of homes, including mobile, vacation, and vacant homes
Received 20% fewer customer complaints than other companies of its size
Cons
No online quote tool
Can be more expensive than traditional insurers
American National

Why we chose it
American National home insurance is highly rated for customer service and offers cash back for bundling multiple policies and going three years without filing a claim.
Pros and cons
Pros
If you bundle your home and auto policies and go three years without filing a claim, you’ll receive a percentage of your premiums back
Good customer service ratings — received 70% fewer complaints than similar-sized insurers in 2021
Rates on par with the national average
Cons
Not much information about coverage options and discounts available on its website
No online quotes available — must contact a local agent
Recent company acquisition might mean changes for policyholders
2023 Policygenius award winner
Amica

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
The Andover Companies

Why we chose it
The Andover Companies has a nearly 200-year-long tradition of reliable home insurance coverage with affordable rates for homeowners in eight states throughout the Northeast.
Pros and cons
Pros
Offers cheap rates that are 42% below the national average — plus, 6 home insurance discounts to save even more
Choose from plenty of coverage add-ons, including water damage, equipment breakdown, cyber, business property, and identity theft protection
Excellent customer service and financial strength ratings
Cons
No online quote tool or mobile app for managing your policy
Can’t file claims online — must call or visit your local agent in person
Only offers home insurance in 8 states throughout the Northeast
Arbella Insurance

Why we chose it
Arbella home insurance comes with cheap rates, stellar customer service, and strong financial stability for homeowners in Massachusetts, Connecticut, Rhode Island, and New Hampshire.
Pros and cons
Pros
Cheap rates that are 41% below the national average
Earns a perfect 5-star rating for customer service — it received 99% fewer complaints than expected for a company of its size in 2021
Mobile app makes it easy to manage your policy and file a claim from the palm of your hand
Cons
Doesn’t offer guaranteed or extended replacement cost coverage for your home
Only available in Massachusetts, Connecticut, Rhode Island, and New Hampshire
No online quote tool — must contact a local agent to get started
Armed Forces Insurance

Why we chose it
Armed Forces Insurance (AFI) offers home insurance policies to veterans, active military members, and their families. It’s a good pick if you’re looking for affordable rates and a slew of extra coverage add-ons.
Pros and cons
Pros
Cheap rates that are 23% below the national average
Several valuable coverage add-ons, including water backup, valuable items, flood insurance, earthquake insurance, and more
Gives back to the military community by supporting local food banks and providing resources for individuals with post-traumatic stress disorder
Cons
Only available to members of the military, veterans, and their families
Poor customer service and financial strength ratings
Doesn’t offer an app
Assurant

Why we chose it
Assurant offers manufactured and mobile home insurance coverage, as well as flood insurance through the NFIP in all states except Florida, Hawaii, and D.C.
Pros and cons
Pros
Specializes in manufactured and mobile home insurance coverage, including all-risk protection
Willing to insure previously owned mobile homes of any age — rare among other insurers
Online quote tool lets you purchase a policy online in just minutes
Cons
Website lacks detailed information about all of its coverage and discount options available
Received around 18% more customer complaints in 2021 expected for a company of its size
Not available in Florida, Hawaii, or Washington, D.C.
2023 Policygenius award winner
Auto-Owners Insurance

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
Bamboo Insurance

Why we chose it
Bamboo is an excellent option for California and Arizona homeowners who’ve struggled to find home insurance elsewhere. It’s one of the few home insurers still writing policies in the Golden State — many have pulled out due to the high risk of wildfires.
Pros and cons
Pros
Available in California — a high-risk state that many home insurance companies have stopped writing policies in due to the heightened risk of claims
Offers home insurance for standard homes, vacant properties, landlords, and vacation homes with valuable coverage add-ons, including extended replacement cost coverage
Excellent financial strength rating with AM Best, proving it likely has the funds to pay out claims in the wake of a disaster
Cons
Not included in the NAIC complaint index, meaning we weren’t able to score Bamboo on customer service
Rate information not available as of April 2023
Berkshire Hathaway Guard Insurance Companies

Why we chose it
Berkshire Hathaway Guard Insurance offers home insurance policies in 23 states — including California and Texas — to protect high-risk homes that other carriers won’t.
Pros and cons
Pros
Available in high-risk states like Texas and California where it’s more difficult to find coverage
Offers lots of coverage add-ons, including inflation guard, water backup, service line, earthquake, sinkhole, and equipment breakdown protection
Mobile app available to easily file claims, manage your policy, and pay your premiums from the palm of your hand
Cons
Annual rates are $2,400 more expensive than the national average
Doesn’t advertise guaranteed or extended replacement cost coverage for your home on its website
Can’t get a quote online — must fill out an online form to get connected with an agent
Chubb

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
Cincinnati Insurance

Why we chose it
Cincinnati Insurance home insurance scores high in customer service, financial stability, and quality coverage options for high-net worth individuals.
Pros and cons
Pros
Earns 5-star ratings for customer service, financial stability, and coverage options
Valuable policy add-ons, including excess flood insurance, earthquake coverage, wildfire protection services, emergency event cancellation coverage, child abduction protection, and more
Offers single-deductible claims if you bundle your home and auto policies, as well as a deductible waiver for expensive claims
Cons
Only insures homes valued at $1 million or more
Not available in Alaska, Mississippi, Oklahoma, or South Dakota
No online quote tool
Citizens Property Insurance

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
Country Financial

Why we chose it
Country Financial home insurance is perfect for homeowners looking for a financially stable company with superb customer service scores and lots of coverage add-ons to ensure your home is fully protected.
Pros and cons
Pros
Excellent customer service rating — received fewer complaints than other similar-sized insurers in 2021
Slew of coverage add-ons, including guaranteed replacement cost, flood and earthquake coverage, and water backup protection
Mobile app and online chat feature to easily manage your policy, file claims, and talk to a customer service rep
Cons
Rates are 43% more expensive than the national average
Only available in 19 states
Encompass

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
2023 Policygenius award winner
Erie

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
Farm Bureau

Why we chose it
Farm Bureau offers exceptional customer service and the option to bundle a slew of insurance policies on top of just home insurance to save money on rates.
Pros and cons
Pros
Excellent customer service score — received 99% fewer complaints expected for a company of its size in 2021
Excellent financial strength rating from A.M. Best, proving it likely has the funds to pay out claims in the wake of a natural disaster
Only pay one deductible if your home, car, and boat are damaged in the same event and you bundle your insurance policies with Farm Bureau
Cons
Rates are $1,400 more expensive than the national average
Only available in 8 states throughout the West
Need to have a Farm Bureau membership in your state to purchase insurance
2023 Policygenius award winner
Farmers

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
FedNat Insurance

Why we chose it
FedNat Insurance went out of business last year and is no longer writing home insurance policies. Find out what this means if you still have an open claim with FedNat, and explore alternative home insurance companies.
Pros and cons
Pros
Available in high-risk states that are often difficult to find coverage in
Cons
Terrible customer service ratings — it received over 5 times the number of complaints of similar-sized insurers in 2021
Poor outlook for the financial stability and future of the company
Florida Peninsula Insurance

Why we chose it
Florida Peninsula Insurance offers extensive home insurance coverage options to Florida homeowners — though it has one of the worst customer service ratings of the companies we reviewed.
Pros and cons
Pros
Specializes in coverage for Florida homeowners who may not have other options
Wide range of policy add-ons available, including flood, water backup, sinkhole, and equipment breakdown coverage
Cons
Average rates are 10% more expensive than the already-high Florida state average
Received 4 times the number of customer complaints expected for a company of its size in 2021
Underpaid claims by more than 80% for policyholders with homes destroyed by Hurricane Ian
2023 Policygenius award winner
Foremost

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.