Home insurance company reviews (2024)

Our home insurance reviews look at each company’s average costs, coverage options, customer service ratings, and financial stability to help you find the one that’s best for you.

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By

Jennifer 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.

Edited by

Pat HowardPat 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.

Updated|1 min read

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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.

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 ($$$$$).

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Why we chose itchevron icon

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 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

Acuity

Acuity home & auto 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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

AIG 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 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 ($$$$$).

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Why we chose itchevron icon

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 conschevron icon

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

Alfa 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 starEmpty gray star

4.1

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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

award icon

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 ($$$$$).

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Why we chose itchevron icon

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 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

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 ($$$$$).

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$

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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

American Modern

American Modern 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

4.9

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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

American National 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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

award icon

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 ($$$$$).

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$

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Why we chose itchevron icon

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 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

The Andover Companies

The Andover Companies 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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

Arbella 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 ($$$$$).

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$

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$

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Why we chose itchevron icon

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 conschevron icon

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

Armed Forces 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 starEmpty gray star

4.0

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).

B+

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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

Assurant 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 starEmpty gray star

4.1

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 ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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.

award icon

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 ($$$$$).

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$

$

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$

Why we chose itchevron icon

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 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

Bamboo Insurance

Bamboo 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 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 ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

Pros

  • Available in high-risk areas of California

  • Offers coverage for regular homes, vacant properties, rentals, and vacation homes

  • Excellent financial strength rating with AM Best

Cons

  • Not included in the NAIC complaint index, meaning we weren’t able to rate Bamboo on customer service

  • Policy cost information not available as of Feb. 2024

Berkshire Hathaway Guard Insurance Companies

Berkshire Hathaway Guard Insurance Companies 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 starEmpty gray star

4.0

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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

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 ($$$$$).

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$

$

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Why we chose itchevron icon

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 conschevron icon

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

Cincinnati 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

4.8

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 ($$$$$).

NA

Why we chose itchevron icon

Cincinnati Insurance home insurance scores high in customer service, financial stability, and quality coverage options for high-net worth individuals.

Pros and conschevron icon

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

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 starHalf orange starEmpty gray starEmpty gray star

2.5

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 ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

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 conschevron icon

Pros

  • Provides homeowners insurance to high-risk homes that are often denied coverage by private insurers

  • Wind, flood, and dwelling fire insurance policies available

  • Sets up catastrophe response centers after natural disasters to offer in-person support to homeowners without power or means of communication

Cons

  • Rates are nearly 3 times higher than the national average — and the insurer proposed a 12% rate hike in June 2023

  • Fewer coverage options and lower limits than competitors

  • No online quote tool

Country Financial

Country Financial 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 ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

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 conschevron icon

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

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 ($$$$$).

$

$

$

$

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Why we chose itchevron icon

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 conschevron icon

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

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 ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

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 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

Farm Bureau

Farm Bureau Financial Services 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 starHalf orange starEmpty gray star

3.9

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 ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

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 conschevron icon

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

award icon

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.

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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 ($$$$$).

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Why we chose itchevron icon

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 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

FedNat Insurance

FedNat 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.

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2.6

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).

NA

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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

Florida Peninsula 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 starHalf orange starEmpty gray star

3.9

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).

NA

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 ($$$$$).

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$

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Why we chose itchevron icon

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 conschevron icon

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

award icon

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 ($$$$$).

$

$

$

$

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Why we chose itchevron icon

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 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

Geico

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 starHalf orange starEmpty gray star

3.9

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 ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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

Grange Insurance

Grange 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 ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Grange Insurance is best suited for homeowners who prefer to work with a local agent to get a quote — you can't get a home insurance quote online. However, it makes up for it with its mobile app that makes managing your policy and filing claims a breeze.

Pros and conschevron icon

Pros

  • Rates are 10% cheaper than the national average

  • Received around 65% fewer complaints than other insurers of its size in 2021

  • Mobile app makes it easy to manage your policy and file claims

Cons

  • Only available in 13 states

  • No option for online quotes

  • Doesn’t offer flood insurance

The Hanover