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6 BEST HOME INSURANCE COMPANIES OF APRIL 2024
Chubb, NJM and Country Financial earned the highest ratings in NerdWallet's
analysis. Compare top-rated companies now.
ZIP code
GET STARTED
By Sarah Schlichter
Sarah Schlichter
Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet
insurance. Prior to joining NerdWallet, she spent more than 15 years in digital
media as a writer, editor and spokesperson. Sarah enjoys delving into
complicated topics and helping readers understand the ins and outs of their
insurance coverage. She lives in the Washington, D.C., metro area.
Learn More
Updated Apr 1, 2024
Edited by Caitlin Constantine
Caitlin Constantine
Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on
homeowners, renters and pet insurance. She has more than 15 years of experience
in digital media, including as the deputy managing editor at The Penny Hoarder
and as a digital producer for a 24/7 news station based in the Tampa Bay area.
Caitlin enjoys exploring the ways technology can help people become better
informed about the world. She currently lives outside Asheville, North Carolina.
Learn More
Many or all of the products featured here are from our partners who compensate
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MORE LIKE THISInsuranceHomeowners Insurance
TABLE OF CONTENTS:
* The best home insurance companies
* How to find the best home insurance policy in five common scenarios
* How to compare homeowners insurance
* Find the best homeowners insurance in your state
Your home is one of your largest and most meaningful investments, so choosing
the best homeowners insurance available to you makes sense. Naturally, you’ll
want a good price — but you also want the right mix of coverage from a company
that can afford to pay your claim if disaster strikes. Reliable customer service
is a plus, too.
To narrow down our list of the best homeowners insurance companies, we looked at
customer complaint data, consumer experience and financial strength. We also
assessed each insurer's coverage options and discounts.
Based on these factors, here are our top home insurance companies for 2024.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness
and accuracy in our coverage so you can choose the insurance policy that works
best for you. These carrier ratings are specific to home insurance — a company's
rating for other products may be different on our website. See our criteria for
evaluating homeowners insurance companies.
THE BEST HOME INSURANCE COMPANIES OF 2024
All of the home insurance companies listed below scored 5 out of 5 stars.
Hundreds of insurers compete for your business, often selling very similar
products, so it’s smart to compare home insurance quotes from a few before
making a decision.
Company
NerdWallet rating
Why we picked it
Amica
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
incorporates discounts, coverage options, website transparency, financial
strength, complaint data and more.
Best for consumer satisfaction.
Andover Companies
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
incorporates discounts, coverage options, website transparency, financial
strength, complaint data and more.
Best coverage.
Chubb
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
incorporates discounts, coverage options, website transparency, financial
strength, complaint data and more.
Best for high-value homes.
Country Financial
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
incorporates discounts, coverage options, website transparency, financial
strength, complaint data and more.
Best for using an agent.
NJM
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
incorporates discounts, coverage options, website transparency, financial
strength, complaint data and more.
Best small regional insurer.
USAA*
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
incorporates discounts, coverage options, website transparency, financial
strength, complaint data and more.
Best for military and veterans.
*USAA homeowners insurance is available only to active military, veterans and
their families.
Note: Not all insurers are available in all states.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.
Get Started
BEST HOMEOWNERS INSURANCE COMPANIES: PROS AND CONS
Below are the companies that earned a perfect 5-star rating under NerdWallet’s
scoring system. Learn more about our top home insurance companies by reading the
brief summaries below and checking out our comprehensive reviews.
AMICA: BEST FOR CUSTOMER SATISFACTION
Best for customer satisfaction
AMICA
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* High customer satisfaction ratings and low consumer complaints.
* Platinum Choice package offers extra coverage.
* Simple online claims filing and tracking.
Cons
* You can start a quote online but have to finish the buying process by phone.
* Not available in Alaska or Hawaii.
Has an approved contractor program to help with claims.
Best for customer satisfaction
Compare My Rates
AMICA
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* High customer satisfaction ratings and low consumer complaints.
* Platinum Choice package offers extra coverage.
* Simple online claims filing and tracking.
Cons
* You can start a quote online but have to finish the buying process by phone.
* Not available in Alaska or Hawaii.
Has an approved contractor program to help with claims.
States served: Washington, D.C., and every state except Alaska and Hawaii.
Company overview: Amica home insurance offers the standard coverage you’d expect
along with strong customer service. Amica draws far fewer complaints than
expected for a company of its size, according to the National Association of
Insurance Commissioners.
Those looking for extra coverage can select Amica’s Platinum Choice package,
with perks like extended dwelling coverage, higher liability limits and coverage
for damage due to backed-up drains or overflowing sump pumps.
Amica offers a program called Contractor Connection, which helps pair customers
with licensed and insured contractors.
The company also has discounts for:
* Staying with an insurer for at least two years.
* Insuring a new or remodeled home.
* Receiving bills electronically and paying automatically each month.
» Read the full review: Amica home insurance
↑ Back to top
--------------------------------------------------------------------------------
ANDOVER COMPANIES: BEST COVERAGE
Best coverage
THE ANDOVER COMPANIES
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Superior coverage sold through independent agents in select states.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Far fewer consumer complaints than expected.
* Includes more generous dwelling and personal property coverage than most
insurers.
* Many additional coverage options to choose from.
Cons
* No online quotes.
* Not available in most states.
Includes coverage that costs extra from most other companies.
Best coverage
Compare My Rates
THE ANDOVER COMPANIES
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Superior coverage sold through independent agents in select states.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Far fewer consumer complaints than expected.
* Includes more generous dwelling and personal property coverage than most
insurers.
* Many additional coverage options to choose from.
Cons
* No online quotes.
* Not available in most states.
Includes coverage that costs extra from most other companies.
States served: Connecticut, Illinois, Maine, Massachusetts, New Hampshire, New
Jersey, New York and Rhode Island.
Company overview: Andover Companies stands out for its generous coverage. Most
homeowners are eligible for guaranteed replacement coverage on the structure of
their home. That means the company will pay what it takes to rebuild the house
if it’s destroyed by a covered disaster, even if your coverage limit isn’t high
enough.
Andover also offers replacement cost coverage on your personal belongings, which
ensures you’ll get more for stolen or destroyed items than you would if you had
actual cash value coverage.
Andover’s coverage comes with strong customer service, too. It draws far fewer
consumer complaints than expected for a company of its size, according to the
NAIC.
» Read the full review: Andover Companies home insurance
↑ Back to top
--------------------------------------------------------------------------------
CHUBB: BEST FOR HIGH-VALUE HOMES
Best for high-value homes
CHUBB
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Significantly fewer consumer complaints than expected for a company of its
size.
* Standard coverage includes features that many companies only offer as extras.
* Large number of discounts.
Cons
* Most consumers aren't able to get a quote online and will instead need to
contact a local agent.
Top-of-the-line coverage options for well-to-do homeowners.
Best for high-value homes
Compare My Rates
CHUBB
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Significantly fewer consumer complaints than expected for a company of its
size.
* Standard coverage includes features that many companies only offer as extras.
* Large number of discounts.
Cons
* Most consumers aren't able to get a quote online and will instead need to
contact a local agent.
Top-of-the-line coverage options for well-to-do homeowners.
States served: All states and Washington, D.C.
Company overview: Chubb targets owners of expensive homes, tailoring much of its
experience toward well-to-do clients. It offers a substantial number of coverage
options, including atypical ones such as HomeScan, which helps uncover issues
with your home that require attention before they can cause damage.
Chubb also offers extended replacement cost coverage for your dwelling and
replacement value for your belongings as part of its standard policy — another
unusual benefit for consumers. This means that if your home costs more than
expected to rebuild after a covered disaster, Chubb will pay more than your
selected dwelling limit to help cover the cost. It also means that you’ll
receive enough of a payout to buy brand-new replacements for your damaged
belongings, rather than getting only their depreciated value.
Chubb has significantly fewer complaints to state regulators than expected for a
company of its size, according to three years’ worth of data from the NAIC.
» Read the full review: Chubb home insurance
↑ Back to top
--------------------------------------------------------------------------------
COUNTRY FINANCIAL: BEST FOR USING AN AGENT
Best for using an agent
COUNTRY FINANCIAL
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Best for those who prefer to have a personal conversation with an agent when
choosing coverage.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Far fewer complaints than expected for a company of its size.
* Many discounts and coverage options available.
Cons
* Can get an online quote but must finish the purchase over the phone.
* Not available in all states.
Offers solid coverage with useful add-ons and many ways to save.
Best for using an agent
Compare My Rates
COUNTRY FINANCIAL
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Best for those who prefer to have a personal conversation with an agent when
choosing coverage.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Far fewer complaints than expected for a company of its size.
* Many discounts and coverage options available.
Cons
* Can get an online quote but must finish the purchase over the phone.
* Not available in all states.
Offers solid coverage with useful add-ons and many ways to save.
States served: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois,
Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma,
Oregon, Tennessee, Washington and Wisconsin.
Company overview: Although Country Financial may offer online quotes to some
users, you’ll need to speak with a local representative to buy your policy. That
allows homeowners to make sure they have exactly the coverage types and limits
they need.
Depending on which type of policy you choose, Country Financial may cover
household mishaps, such as countertop burns or spilled paint. In most states,
Country Financial offers guaranteed replacement cost coverage that pays the cost
of standard new construction materials and labor if you need to rebuild your
home, with no limits.
Customers can get safety-focused discounts for features such as:
* A new roof.
* A safe heating source.
* Smoke detectors and automatic sprinkler systems.
Given its size, Country Financial sees far fewer complaints to regulators than
expected regarding its home insurance, according to the NAIC.
» Read the full review: Country Financial home insurance
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--------------------------------------------------------------------------------
NJM: BEST SMALL REGIONAL INSURER
Best small regional insurer
NJM
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Offers strong coverage in Connecticut, Maryland, New Jersey, Ohio and
Pennsylvania.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Includes coverage other companies charge extra for.
* Far fewer consumer complaints than expected for a company of its size.
* Many extra coverage options available.
Cons
* No app to manage your policy.
* Available in only five states.
Generous coverage included standard.
Best small regional insurer
Compare My Rates
NJM
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Offers strong coverage in Connecticut, Maryland, New Jersey, Ohio and
Pennsylvania.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Includes coverage other companies charge extra for.
* Far fewer consumer complaints than expected for a company of its size.
* Many extra coverage options available.
Cons
* No app to manage your policy.
* Available in only five states.
Generous coverage included standard.
States served: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
Company overview: NJM’s homeowners policies include several types of coverage
that often cost extra from other insurers. For example, the company’s guaranteed
replacement cost coverage will pay to rebuild your home if it’s destroyed, even
if the damage exceeds your dwelling limit.
NJM has a streamlined online experience that allows you to easily manage the
claims process. In addition, nonsmokers and people 65 and older may receive
discounts on their premiums.
Complaints to state regulators about NJM’s homeowners insurance are far fewer
than expected for a company of its size, according to the NAIC.
» Read the full review: NJM home insurance
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--------------------------------------------------------------------------------
USAA: BEST FOR MILITARY AND VETERANS
Best for military and veterans
USAA
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Offers perks for the military community.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Policies include standard coverage that often costs extra elsewhere.
* Far fewer customer complaints to state regulators than expected for a company
of its size.
* Average rates are below the national average, according to NerdWallet’s
analysis.
Cons
* Available only to active military members, veterans and their families.
Generous coverage at rates below the national average.
Best for military and veterans
Compare My Rates
USAA
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Offers perks for the military community.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Policies include standard coverage that often costs extra elsewhere.
* Far fewer customer complaints to state regulators than expected for a company
of its size.
* Average rates are below the national average, according to NerdWallet’s
analysis.
Cons
* Available only to active military members, veterans and their families.
Generous coverage at rates below the national average.
States served: All states and Washington, D.C.
Company overview: USAA is open only to active military members, veterans and
their families. For those who qualify, USAA provides several standard features
that many other insurers don't:
* Identity theft coverage in most states to help with expenses if you are the
victim of identity fraud.
* Military uniform coverage for those on active duty or deployed, which
provides full reimbursement without a deductible if a uniform is damaged or
stolen during a covered event.
* Replacement cost coverage, which pays the cost to replace items rather than
providing only the depreciated value.
USAA has far fewer complaints to state regulators for home insurance than
expected for a company of its size, according to the NAIC.
» Read the full review: USAA home insurance
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--------------------------------------------------------------------------------
OTHER HOME INSURANCE COMPANIES TO CONSIDER
We combed through all of our 4.5-star companies to find the ones that took top
honors on various aspects of our rating system, such as coverage and consumer
complaints.
ERIE: MOST GENEROUS COVERAGE
Most generous coverage
ERIE
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Serves homeowners in a dozen states and Washington, D.C.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
* Rates generally below the national average.
* Policies may include guaranteed replacement cost coverage.
* Receives fewer complaints than expected for a company of its size.
Cons
* No online quotes.
* Not available in most states.
Provides guaranteed replacement cost coverage for the structure of your home.
Most generous coverage
Compare My Rates
ERIE
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Serves homeowners in a dozen states and Washington, D.C.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
* Rates generally below the national average.
* Policies may include guaranteed replacement cost coverage.
* Receives fewer complaints than expected for a company of its size.
Cons
* No online quotes.
* Not available in most states.
Provides guaranteed replacement cost coverage for the structure of your home.
States served: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina,
Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and
Washington, D.C.
Company overview: If you live in one of the states Erie serves, its policies are
worth considering. In some locations, the company includes guaranteed
replacement cost coverage in its standard policies. This means Erie will pay as
much as necessary to rebuild your home if it’s destroyed, even if the amount is
higher than your dwelling limit.
To further customize your policy, you can add options such as identity recovery,
service line protection and water backup coverage. Discounts are available for
bundling your homeowners insurance with another Erie policy or installing
burglar or sprinkler systems.
Erie doesn’t offer as many online bells and whistles as some other insurers do.
You’ll have to call an agent to get a quote, for instance, and you can’t file
claims online. But if you prefer having a personal relationship with a local
agent, the company might be a good fit.
» Read the full review: Erie home insurance
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--------------------------------------------------------------------------------
NATIONWIDE: BEST ONLINE EXPERIENCE
Best online experience
NATIONWIDE
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the
bill.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
* Offers some coverage standard that other companies charge extra for.
* Many discounts available.
* Website offers lots of useful features and information.
Cons
* Doesn't insure mobile or manufactured homes.
* Unavailable in a handful of states.
Many useful coverage choices and ways to save on your policy.
Best online experience
Compare My Rates
NATIONWIDE
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the
bill.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Great set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
* Offers some coverage standard that other companies charge extra for.
* Many discounts available.
* Website offers lots of useful features and information.
Cons
* Doesn't insure mobile or manufactured homes.
* Unavailable in a handful of states.
Many useful coverage choices and ways to save on your policy.
States served: Washington, D.C., and all states except Alaska, Hawaii and
Louisiana.
Company overview: Nationwide earns high marks for its consumer experience.
Policyholders can file and track claims online or by phone, and the company’s
website has a large library of consumer-centric content.
Nationwide also stands out by offering ordinance or law insurance in its
standard homeowners insurance policy. This means if you have a covered loss and
need to update your home to meet current building codes, your insurance may
cover the costs.
» Read the full review: Nationwide home insurance
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--------------------------------------------------------------------------------
OPENLY: FEWEST CONSUMER COMPLAINTS
Fewest consumer complaints
OPENLY
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Premium coverage for high-end homes with no dog breed restrictions.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Policies include guaranteed replacement cost for your home's structure.
* Broad coverage for personal belongings.
* No restricted dog breeds.
Cons
* No online quotes.
* Not available in all states.
Will pay the full cost to rebuild your home after a covered disaster, up to $5
million.
Fewest consumer complaints
Compare My Rates
OPENLY
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Premium coverage for high-end homes with no dog breed restrictions.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
About average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
* Policies include guaranteed replacement cost for your home's structure.
* Broad coverage for personal belongings.
* No restricted dog breeds.
Cons
* No online quotes.
* Not available in all states.
Will pay the full cost to rebuild your home after a covered disaster, up to $5
million.
States served: Alabama, Arizona, Georgia, Illinois, Indiana, Kansas, Kentucky,
Maine, Massachusetts, Mississippi, Missouri, New Hampshire, New Mexico, Ohio,
Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah and Wisconsin.
Company overview: Of all the homeowners insurance companies we rated, Openly had
the lowest number of complaints in relation to its size, according to the NAIC.
Openly sold its first policies in 2019 and aims to offer a fresh take on
homeowners insurance. The company’s policies include guaranteed replacement cost
in many states, which means Openly will pay whatever it takes to rebuild your
home, up to $5 million. (This feature isn’t available from all insurers and
typically costs extra.)
The standard Openly policy also provides “open-perils” coverage for your
personal belongings, which covers more potential problems than most homeowners
policies do. You can choose from several optional types of coverage for things
like damage from backed-up water lines and the breakdown of major appliances.
Openly is currently available only through independent agents, with no option to
get an online quote.
» Read the full review: Openly home insurance
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--------------------------------------------------------------------------------
STATE FARM: BEST PERKS
Best perks
STATE FARM
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Compare My Rates
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
* User-friendly website.
* Agents offer personalized service.
* Policies generally include extra coverage for your home’s structure.
Cons
* Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other
insurers do.
Best perks
Compare My Rates
STATE FARM
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
overview
pros & cons
why we picked it
Coverage optionsRatings are based on the number of coverage options a company
offers in comparison to other insurers.
More than average
--------------------------------------------------------------------------------
DiscountsRatings are based on the number of discounts a company offers in
comparison to other insurers.
Average set of discounts
--------------------------------------------------------------------------------
NAIC complaintsRatings are based on complaints to state regulators relative to a
company’s size, according to three years’ worth of data from the National
Association of Insurance Commissioners. NerdWallet conducts its data analysis
and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
* User-friendly website.
* Agents offer personalized service.
* Policies generally include extra coverage for your home’s structure.
Cons
* Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other
insurers do.
States served: Washington, D.C., and all states except California, Massachusetts
and Rhode Island.
Company overview: The nation’s largest home insurer, State Farm recently
celebrated its 100th anniversary. Its homeowners policies generally include
extended replacement coverage for your home’s structure — a useful perk that
costs extra from some companies.
State Farm offers other freebies that can help keep your home safe. In most
states, you can get a smart device called Ting that plugs into an outlet and
monitors your home’s electrical system. In select states, you may also be able
to get a free ADT security system, along with a discounted rate on professional
monitoring.
You can do a lot on the State Farm website, including getting a quote, filing
and tracking claims, paying bills and signing up for autopay. The mobile app is
similarly useful.
» Read the full review: State Farm home insurance
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--------------------------------------------------------------------------------
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HOW TO FIND THE BEST HOME INSURANCE POLICY IN FIVE COMMON SCENARIOS
YOU’RE A FIRST-TIME HOME BUYER
We get it. The homebuying process can be a whirlwind and getting a homeowners
policy may feel like one more item to check off a seemingly endless to-do list.
But it’s still worth understanding the basics to make sure you’re financially
protected.
For a quick primer, check out the essential terms to understand in your
homeowners policy. Then, consider setting a calendar reminder to call your
insurer six months after closing. By that point, you’ll be settled in and have a
bit more time to double-check that you’ve got all the coverage you need.
» MORE: Homeowners insurance for first-time home buyers
YOU LIVE IN A HIGH-RISK AREA
Is your region prone to hurricanes, wildfires, earthquakes or other disasters?
If so, you might want to spend a little extra time researching your coverage
options.
For example, most homeowners policies don't cover damage from floods and
earthquakes, so you may need to purchase additional insurance. If you live along
the coast, you may have a separate windstorm or hurricane deductible that’s
higher than your standard deductible for other disasters. A local agent can help
you assess your risks and make sure you’re fully covered.
» MORE: Complete guide to hurricane insurance
YOU HAVE A DOG
If your furry pal bites a visitor or attacks someone at the dog park, the
liability section of your home insurance policy may be able to help with
resulting legal or medical expenses. But don’t just assume you’re covered.
Some insurance companies exclude certain breeds such as pit bulls or
Rottweilers, while others won’t cover animal liability claims unless you add
extra coverage to your policy. Check with your insurance company or agent to
make sure your canine companion is properly covered.
» MORE: Why your dog needs liability insurance even if she’s perfect
YOU OWN VALUABLE ITEMS
If you have expensive belongings, such as an antique diamond ring or a high-end
guitar, check whether your homeowners policy offers enough coverage for them.
Many valuable items are insured for theft only up to certain sublimits, such as
$1,500.
If that’s not enough, you can typically buy extra coverage for individual items
or collections. You may need to have a professional appraisal of each item.
» MORE: Jewelry insurance: Everything you need to know
YOU OWN AN OLDER HOME
Say the wiring in your century-old Victorian isn’t up to modern safety
standards, or the house has unique architectural features that would be
expensive to rebuild. These and other factors could make it tough to find
affordable insurance for an older home. You might even need to make upgrades
before you’re approved for coverage.
An experienced agent can help you weigh your options. For instance, you may want
to add ordinance or law coverage to your policy to pay expenses associated with
bringing your house up to current building codes during repairs.
HOW TO COMPARE HOMEOWNERS INSURANCE
1. Decide how much coverage you need. Finding the best homeowners insurance
company for you starts with making sure you’re shopping for the right coverage.
A standard policy covers your house and other structures, but the amount of
coverage you need depends on how much it would cost to rebuild your home.
You’ll also have several options to consider, including the amount of your
homeowners insurance deductible (the amount you pay out of pocket in the event
of a claim) and whether you need extra insurance for valuable items. You might
also want policy upgrades to cover earthquake damage or to ensure you can
replace old belongings with new ones after a loss, rather than being paid for
their depreciated value. Check out How Much Home Insurance Do You Need? to learn
more.
By figuring out what you need before you compare home insurance companies, you
can be sure each policy you’re considering provides the same level of coverage.
You can also eliminate companies that don’t offer the options you want.
» MORE: What does homeowners insurance cover?
2. Compare home insurance quotes. After you outline your coverage needs, you can
start shopping for homeowners insurance. You’ll want to compare home insurance
quotes from at least three companies to be sure you’re getting the cheapest
policy you can.
Homeowners insurance costs an average of about $149 a month, according to a
NerdWallet analysis. But rates can vary dramatically because no two houses are
the same and each insurer uses its own formula to calculate premiums and
discounts.
You can shop for quotes online or by phone, or you can work with an insurance
agent or broker to find the cheapest home insurance for you. Whichever route you
choose, make sure to compare policies with similar coverage and deductibles.
Also, be aware that a homeowners insurance quote is only an estimate. Your price
may change if an insurance company inspects your house and determines you need a
different amount of coverage.
» MORE: 9 ways to lower homeowners insurance costs
3. Research home insurance discounts. Most companies offer savings for things
like:
* Having multiple policies with the same insurer.
* Installing safety, security or smart-home devices.
* Avoiding claims for consecutive years.
Beyond those, you may see differences in both the number and type of discounts
available. Matching the discounts your home is eligible to receive will ensure
that you get the policy you want and that you benefit from investments you've
made in your home.
» MORE: How to get home insurance discounts
4. Check customer satisfaction and complaints. If you choose a home insurance
company that’s known for making its customers happy, you can feel more confident
that you'll have a good experience.
To see whether previous customers have been satisfied, you can look at studies
on homeowners insurance and property claims satisfaction from J.D. Power, which
surveys thousands of homeowners annually.
The NAIC website is another source of information about how insurance companies
have performed. You can find out how many complaints were filed against an
insurer with state regulators, the reasons for the complaints, and whether there
were more complaints than expected for a company of its size.
» MORE: See all NerdWallet homeowners insurance reviews
5. Consider financial strength. You’ll want to buy homeowners insurance from a
stable company with enough money to pay claims. Financial strength is one way to
evaluate whether an insurer meets that standard. You can check financial
strength through a rating firm such as AM Best.
NerdWallet typically recommends considering insurers with ratings of A- or
higher. Any company with an AM Best rating of B+ or higher has a “good” ability
to meet its obligations in AM Best’s opinion. Companies with ratings below that
may not be quite as safe a bet and often have higher rates of complaints
relative to their size.
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FIND THE BEST HOMEOWNERS INSURANCE IN YOUR STATE
* Alabama home insurance
* Alaska home insurance
* Arizona home insurance
* Arkansas home insurance
* California home insurance
* Colorado home insurance
* Connecticut home insurance
* Delaware home insurance
* Florida home insurance
* Georgia home insurance
* Hawaii home insurance
* Idaho home insurance
* Illinois home insurance
* Indiana home insurance
* Iowa home insurance
* Kansas home insurance
* Kentucky home insurance
* Louisiana home insurance
* Maine home insurance
* Maryland home insurance
* Massachusetts home insurance
* Michigan home insurance
* Minnesota home insurance
* Mississippi home insurance
* Missouri home insurance
* Montana home insurance
* Nebraska home insurance
* Nevada home insurance
* New Hampshire home insurance
* New Jersey home insurance
* New Mexico home insurance
* New York home insurance
* North Carolina home insurance
* North Dakota home insurance
* Ohio home insurance
* Oklahoma home insurance
* Oregon home insurance
* Pennsylvania home insurance
* Rhode Island home insurance
* South Carolina home insurance
* South Dakota home insurance
* Tennessee home insurance
* Texas home insurance
* Utah home insurance
* Vermont home insurance
* Virginia home insurance
* Washington home insurance
* Washington, D.C. home insurance
* West Virginia home insurance
* Wisconsin home insurance
* Wyoming home insurance
HOW WE RANKED THE BEST HOMEOWNERS INSURANCE COMPANIES
NerdWallet’s editorial team considered coverage options, discounts, complaint
data from the National Association of Insurance Commissioners, financial
strength grades from AM Best and more to determine the best homeowners insurance
companies.
Our rating system rewards companies with many coverage options and discounts, a
low number of consumer complaints and a strong financial rating. Within the
consumer experience category, we looked at features such as online quotes and
claim reporting. To calculate each insurer’s rating, we adjusted the scores to a
curved 5-point scale.
These ratings are a guide, but we encourage you to shop around and compare
several insurance quotes to find the best rate for you.
Frequently asked questions
What is homeowners insurance?
A homeowners policy is insurance that protects you financially if a fire damages
your home, someone steals your belongings or another catastrophe strikes.
Mortgage lenders generally require you to buy homeowners insurance as a
condition of your loan.
What does homeowners insurance cover?
Homeowners insurance typically covers your house and everything in it from
damage due to fire, wind, heavy snow and other disasters known as “perils.” The
loss of use section of your policy reimburses you for hotel stays or other
expenses if you need to move out of your home during covered repairs. And your
policy’s personal liability insurance will pay if you injure someone else or
damage their property.
To learn more, see our story on homeowners insurance coverage.
What does home insurance not cover?
Standard homeowners policies don’t cover damage due to flooding, earthquakes,
landslides or infestations. Nor will they cover everyday wear and tear or
problems caused by neglect.
You may be able to buy extra insurance to cover some of these problems. For
example, flood insurance is available through the National Flood Insurance
Program and private providers.
How much does homeowners insurance cost?
The average cost of homeowners insurance in the U.S. is $1,915 per year,
according to NerdWallet’s rate analysis. However, this cost varies based on
where you live, the size of your house and how much coverage you need.
What is homeowners insurance?
A homeowners policy is insurance that protects you financially if a fire damages
your home, someone steals your belongings or another catastrophe strikes.
Mortgage lenders generally require you to buy homeowners insurance as a
condition of your loan.
What does homeowners insurance cover?
Homeowners insurance typically covers your house and everything in it from
damage due to fire, wind, heavy snow and other disasters known as “perils.” The
loss of use
section of your policy reimburses you for hotel stays or other expenses if you
need to move out of your home during covered repairs. And your policy’s
personal liability insurance
will pay if you injure someone else or damage their property.
To learn more, see our story on
homeowners insurance coverage
.
What does home insurance not cover?
Standard homeowners policies don’t cover damage due to flooding, earthquakes,
landslides or infestations. Nor will they cover everyday wear and tear or
problems caused by neglect.
You may be able to buy extra insurance to cover some of these problems. For
example,
flood insurance
is available through the National Flood Insurance Program and private providers.
How much does homeowners insurance cost?
The
average cost of homeowners insurance
in the U.S. is $1,915 per year, according to NerdWallet’s rate analysis.
However, this cost varies based on where you live, the size of your house and
how much coverage you need.
About the author
Sarah Schlichter
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MarketWatch and The Washington Post. Read more
Methodology
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first
features and practices. Ratings are based on weighted averages of scores in
several categories, including financial strength, consumer complaints, coverage,
discounts and online experience. These ratings are a guide, but we encourage you
to shop around and compare several insurance quotes to find the best rate for
you. NerdWallet does not receive compensation for any reviews. Read our full
ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and
reported to the National Association of Insurance Commissioners in 2020-2022. To
assess how insurers compare to one another, the NAIC calculates a complaint
index each year for each subsidiary, measuring its share of total complaints
relative to its size, or share of total premiums in the industry. To evaluate a
company’s complaint history, NerdWallet calculated a similar index for each
insurer, weighted by market shares of each subsidiary, over the three-year
period. NerdWallet conducts its data analysis and reaches conclusions
independently and without the endorsement of the NAIC. Ratios are determined
separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various
insurance companies in every ZIP code across the U.S. All rates are rounded to
the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family,
two-story home built in 1984. They had a $1,000 deductible and the following
coverage limits:
* $300,000 in dwelling coverage.
* $30,000 in other structures coverage.
* $150,000 in personal property coverage.
* $60,000 in loss of use coverage.
* $300,000 in liability coverage.
* $1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above
coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own
rates will be different.
On a similar note...
Best Car Insurance Companies of 2024
7 Best Life Insurance Companies in April 2024
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7 Best Term Life Insurance Companies in April 2024
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