More on Home Insurance
More on Home Insurance
Policygenius offers editorially independent reviews of homeowners insurance carriers. Look what we take into account to help you make the right choice.
Policygenius provides in-depth reviews on the homeowners insurance companies we work with to help you find the right option:
We rate each carrier in five different categories on a scale of 1 (lowest) to 10 (highest). These individual category scores are averaged for a final overall rating out of 10.
The categories are:
Average annual premium cost for a medium-sized home.
The factors we look at for our cost score include:
Consumer confidence based on scores from major financial rating institutions.
The factors we look at for our confidence score include:
These company ratings are normalized and scored out of 10.
Satisfaction from consumer sentiment institutions and complaints to state insurance boards.
The factors we look at for our customer rating score include:
Both the quality and number of coverage options, like unique homeowners insurance product tiers and availability of certain coverage endorsements.
The factors we look at for our policy option score include:
Ease of use, convenience, online tools, and availability.
The factors we look at for our customer experience score include:
Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.
About the author
Pat Howard is an Insurance Editor at Policygenius in New York City, specializing in homeowners insurance. He has been featured on Property Casualty 360, MSN, and more. Pat has a B.A. in journalism from Michigan State University.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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Yes, we have to include some legalese down here. Policygenius Inc. (DBA Policygenius Insurance Services in California) (“Policygenius”), a Delaware corporation, is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.
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