2026 Rankings

Best Homeowners Insurance Companies

Compare top-rated home insurance providers. See customer ratings, average rates, and find the best coverage for your home.

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Top Rated Providers

Based on customer satisfaction, financial strength, and coverage options

Editor's Choice

USAA

Best for: Military Families

4.9

/5 rating

$98/moaverage
  • Excellent customer service
  • Competitive rates
  • Military-specific benefits
Get Quote from USAA
Editor's Choice

State Farm

Best for: Overall Value

4.7

/5 rating

$125/moaverage
  • Largest provider network
  • Local agents everywhere
  • Excellent financial strength
Get Quote from State Farm

Compare All Top Providers

CompanyRatingAvg. RateBest ForAction
USAA
4.9
$98/moMilitary FamiliesGet Quote →
State Farm
4.7
$125/moOverall ValueGet Quote →
Allstate
4.5
$142/moCustomizable CoverageGet Quote →
Liberty Mutual
4.3
$156/moDiscountsGet Quote →
Farmers
4.4
$138/moPersonalized ServiceGet Quote →
Travelers
4.6
$132/moGreen Home CoverageGet Quote →

How to Choose the Best Home Insurance

1

Compare Coverage Options

Look beyond price. Make sure the policy covers your specific needs, including dwelling, personal property, liability, and additional living expenses.

2

Check Financial Strength

Choose a company with strong financial ratings (A.M. Best, Moody's) to ensure they can pay claims when needed.

3

Read Customer Reviews

Look at claims satisfaction ratings and read reviews about the company's customer service and claims handling.

4

Ask About Discounts

Bundle with auto insurance, install security systems, or maintain a claims-free history to save up to 25%.

Ready to Find Your Best Rate?

Compare quotes from all top providers and save up to 25% on your homeowners insurance.

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