Home insurance protects you from the financial loss of a covered incident. Covered incidents could be theft, fire, windstorm, or specific water damage. The best home insurance companies make quoting easy, have great service, and walk homeowners through claims effortlessly. After all, the claims process is where an insurance company earns its keep – homeowners want to know that they are taken care of when they have to deal with a difficult loss.

Here are our top home insurance companies for you to consider:

Best Overall: State Farm

State Farm is a personal lines insurance giant with more than 19,000 agents nationwide serving their communities with policies and advice. Its homeowners insurance policies have all the standard coverage and include extra coverage for identity theft and valuable papers. All policies cover replacement cost, not the depreciated value. Separate coverage for computers and jewelry help homeowners with extended coverage for no additional cost. Homeowners can save up to 17% when combining home and auto insurance. 

Best for Senior Citizens: The Hartford

The Hartford is a national leader for homeowners insurance and can be considered an expert having offered insurance products since 1810. This company is especially strong in protecting the senior community with a co-branded policy offered via AARP. AARP members can save 5% on home insurance by bundling policies with auto insurance. There are also discounts for home security and safety devices such as security systems and sprinklers.  

Best Discounts: Liberty Mutual

Liberty Mutual is a national insurance carrier that offers most lines of personal insurance including homeowners, auto, and umbrella policies. It offers a multitude of discounts that include a claims-free discount, safe homeowner program, and early shopper discounts for comparing policies before your expiration date. In addition to these discounts, there are also newly purchased home discounts, renovations, and a new roof discount. Policies can also get a multi-policy discount for having auto combined for bigger savings. 

Best for Modernized Homes: Allstate

Allstate has more than 12,200 independent agents’ offices around the country, serving small sectors of the communities they reside in. Allstate offers home, auto, life, and commercial insurance and views itself as part of the communities it serves. Customers with modernized homes can benefit from incentives and discounts for things like energy-efficient upgrades. There are also discounts for seniors and smoke-free homes. 

Best for Military: USAA

USAA has created a loyal customer base by catering to the needs of mobilized military families. They serve active, reserve, and retired military as well as their families for home, auto, and life insurance. Not only does USAA price policies right for their members, but they also treat them with the respect deserve for serving our country. 

Best Mutual Insurer: Amica Mutual Insurance

Amica Mutual Insurance is a carrier with offices throughout most of the U.S., serving 44 states. It sells auto, home, and life insurance as well as offers many other financial products. Amica is a mutual company, meaning it is owned by policyholders, not shareholders. As such, it is proud of its annual dividend paid back to policyholders each year which can be as much as 20% of their premiums. 

Best Personal Service: ERIE Insurance

ERIE Insurance is a regional carrier with offices in the East and Midwest in 12 states. It offers auto, home, and life insurance policies through independent agents appointed to bind policies. Because it is regional, Erie agents truly understand the risks that their customers face as homeowners. ERIE Insurance has representatives available 24/7 for claims, giving that personal touch for when you are in a time of loss.

Best All-In-One Financial Advisor: Nationwide Insurance

Nationwide is a well-known national insurance carrier that offers a wide range of personal and commercial insurance lines that include home, auto, and motorcycle insurance. It also has a wide range of annuities, mortgages, mutual funds, and specialty health services. It is the perfect place to get all your insurance and financial services products in one location.

Best for Hazard Insurance: Kin 

Kin is a new regional insurance carrier specializing in homeowners insurance policies. It is currently in Florida, California, and Louisiana. What makes Kin policies special is they automatically include hazard insurance such as hurricane or wildfire. Additionally, for the cost of an inexpensive rider, policyholders can add flood insurance to their policies.

How We Review Home Insurance

Our reviews of home insurance are based on unbiased insights into what companies offer, do well at, and underwrite. We think about companies and categories in terms of what customers want. Because pricing varies so widely, we focus on discounts available where pertinent. We also consider other policies and services offered by each company.