The Best Home Insurance Companies (2023)

Explore our comprehensive guide to the best home insurance companies.

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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

The best homeowners companies

Protecting your home and other assets starts with getting the right homeowners policy. Luckily, we've put together a list of the best homeowners insurance companies to help you find the company that works best for you. Using information from each company’s offerings, rates, reputable third-party reviews and the results from The Zebra’s own Customer Satisfaction survey, we have provided an in-depth look at each of our top results for homeowners insurance. 

Top home insurance companies

Best Overall: USAA

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5 Rating from The Zebra Question mark icon

USAA is consistently ranked highest across customer reviews and third-party organizations. Its low rates, top marks for customer satisfaction and large market share solidify USAA’s top spot. It swept the competition in The Zebra’s customer satisfaction survey, securing first place in every category. With nationwide availability and a decades-long history, USAA is trusted by many homeowners policyholders. Unfortunately, the only possible downside seems to come with eligibility requirements— only members of the military and their families may enroll in USAA policies.

  • Top customer satisfaction scores
  • A wide range of coverage options and benefits
  • Affordable premiums
  • Limited eligibility
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Why we chose USAA

USAA’s long history of success makes it an easy choice for our top spot. Affordable rates, nationwide availability, and outstanding customer and third-party satisfaction scores contribute to its continued success. If you are a member of the military or family of military personnel, USAA is an excellent choice for your homeowners policy. 


Third-party ratings

Reputable third-party organizations like JD Power, NAIC, and A.M. Best report on important factors of insurance companies, like customer satisfaction, complaint ratio, and financial strength.

JD Power Property Claims Satisfaction: 905 (Excellent)

JD Power Home Customer Satisfaction: 889 (Excellent)

NAIC: Excellent

A.M. Best: A++ (Superior)

Zebra Customer Satisfaction Survey score: 4.6/5

2nd place: GEICO

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4.5 Rating from The Zebra Question mark icon

While GEICO is a major player in the auto insurance space, its homeowners products are sold through partner carriers. Because of this, rates and availabilty can vary. Still, customers were relatively satisfied with GEICO homeowners insurance, citing positive scores for ease of use, customer service and likelihood of recommendation. GEICO offers all the standard homeowners coverages available to customers. Though it is not clear on their website if optional add-ons are available, its possible you may still be able to add on coverages through the partner carriers they use. 

  • Multiple lines of insurance allow customers to bundle coverage.
  • Positive customer and third-party reviews
  • .The use of partner carriers to write homeowners policies leave some level of ambiguity in offerings. 
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Why we chose GEICO

GEICO's giant insurance presence allows customers peace of mind when it comes to coverage, claims and ease of use. Their standard list of coverages is satisfactory to most homeowners, and their extensive array of other insurance products allows for easy bundling. Survey respondents consistently placed GEICO in the top five results for most categories. 

Third-party ratings

JD Power Property Claims Satisfaction:  Not Rated

JD Power Home Customer Satisfaction: Not Rated

NAIC: Excellent

A.M. Best: A (Superior)

Zebra Customer Satisfaction Survey score: 4.5/5

3rd place: Kemper

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3.0 Rating from The Zebra Question mark icon

Kemper home insurance is unique in the way they offer coverage tiers. Each level includes all the standard homeowners coverages, as well as more endorsements and benefits like higher limits depending on the tier of coverage you select. Discounts are also available to help lower rates for customers. For homeowners with slightly more coverage needs, Kemper is a solid choice. 

  • Multiple lines of insurance offerings allow customers to bundle easily
  • Discounts available to lower rates
  • Poor record of customer complaints
  • Limited state availability 
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Why we chose Kemper

Kemper's customer reviews have improved significantly since last year's survey results. Customers report satisfaction with trust, claims processing, and willingness to recommend. Kemper did particularly well with homeowners aged 26-41, and female respondents gave Kemper their overall top spot. With multiple tiers of coverage, discount opportunities, and other insurance options make it a carrier worth exploring. 


Third-party ratings

JD Power Property Claims Satisfaction: Not Rated

JD Power Home Customer Satisfaction: Not Rated

NAIC: Poor

A.M. Best: A- (Excellent)

Zebra Customer Satisfaction Survey score: 4.4/5

Weigh your options and get the best value from your next insurance policy.

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The Zebra's customer satisfaction survey: full results

The Zebra recently conducted a survey to gauge overall customer satisfaction among the top auto and home insurance providers. We looked at claims satisfaction, ease of interaction, the likelihood of recommendation, trust and online satisfaction.

As mentioned above, USAA swept all categories, claiming the top position for homeowners insurance. The following is a rundown of our overall results for each of the 15 companies surveyed. 

Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.

Rank Company Average Customer Satisfaction Rating (out of 5)
1st USAA 4.6
2nd GEICO 4.5
3rd Kemper 4.4
4th Erie 4.3
5th State Farm 4.3
6th American Family 4.3
7th Travelers 4.3
8th Nationwide 4.3
9th National General 4.3
10th Progressive 4.3
11th Allstate 4.2
12th Farmers 4.2
13th Auto Club (AAA) 4.2
14th Liberty Mutual 4.1
15th Auto-Owners 4.1

Best home insurance companies for each category

After receiving the results of our survey, compiled a list of the best home insurance companies for a variety of needs. As stated, USAA topped the charts in every category included in the survey. Since eligibility requirements are rigid with USAA, the winners of the categories below are the runner-ups. Check out the results below to understand which companies were rated most highly in each category. 

Best for claims satisfaction: Farmers
Best for claims satisfaction: Farmers

Respondents who made a claim with Farmers in the last five years reported overall satisfaction with the claims process.

Best for ease of interaction: GEICO

GEICO customers are pleased with the ease of interactions with the company, including paying bills, asking questions and renewing a policy.

Best for recommending: GEICO

Likely due to GEICO's ease of use, customers chose this company as the one they’re most willing to recommend to others.

Best for trust: Kemper

Kemper was rated the most trustworthy insurance carrier by our survey respondents.

Best for online satisfaction: Travelers

This company delivers the best online and mobile experience according survey results.

Best for female homeowners: Kemper

Female respondents chose Kemper as their top overall pick for home insurance.

Best for male homeowners: GEICO

Male respondents chose GEICO as their top overall pick for home insurance.

Best for homeowners aged 26-41: Travelers

Younger homeowners preferred Travelers for best home insurance.

Best for homeowners aged 42-57: Travelers

The generation known as Gen X selected Travelers policies to protect their homes.

Best for homeowners aged 58+: Travelers

Boomers chose Travelers as the best home insurance company for their age group.

Other ratings

The last thing you want to deal with after a loss to your property is your insurance company giving you a hard time when you need them most. If you expect a smooth claims process and communicative customer service from the insurer of your choice, it's imperative you do some research before binding your insurance policy.

Let's first define what "best" means in the context of insurance companies. Using some of the same metrics used for our evaluation of auto insurance companies, we gathered ratings of the top home insurance companies in the U.S. The table below compiles each company's scores for customer satisfaction, financial strength and number of customer complaints. Each of these scores is gathered by reputable third-party organizations.


Company J.D. Power Property Claims Satisfaction Study (2021) J.D. Power Home Customer Satisfaction Index (2020) NAIC AM Best
USAA 905 (Excellent) 889 (Excellent) Excellent A++ (Superior)
Erie 869 (Poor) 839 (Above Average) Above Average A+ (Superior
American Family 890 (Above Average) 821 (Average) Below Average A (Excellent)
GEICO Not rated Not rated Average A++ (Superior)
State Farm 880 (Below Average) 829 (Above Average) Excellent A++ (Superior)
Auto-Owners 900 (Excellent) 843 (Excellent) Excellent A++ (Superior)
Farmers 884 (Average) 814 (Average) Below Average A- (Excellent)
Liberty Mutual 881 (Average) 805 (Below Average) Below Average B++ (Good)
Allstate 882 (Average) 829 (Above Average) Excellent A+ (Superior)
Nationwide 892 (Above Average) 808 (Below Average) Average A+ (Superior)
Travelers 881 (Average) 803 (Below Average) Above Average A+ (Superior)
Progressive 879 (Below Average) 797 (Poor) Excellent A (Excellent)
National General Not rated Not rated Above Average A (Excellent)
Auto Club (AAA) 865 (Poor) 820 (Average) Below Average A- (Excellent)
Kemper Not rated Not rated Below Average B-- (Fair)

Homeowners insurance companies by cost 

Along with customer satisfaction, cost is another important factor when looking for a homeowners policy. Below we've broken down the cost of homeowners insurance for a number of popular companies against the national average to give you an idea what you can expect to pay for a policy. 


USAA — $103/month

USAA has the third-largest market share in homeowners insurance and is highly regarded with top marks for customer satisfaction and financial strength. The company's policies are also well-priced, costing an average of about $103 per month. However, USAA only provides coverage for military members and their families.

Average Annual Premium Cost vs. Average
$1,231 $175 less


Amica — $91/month

Amica earns consistently positive reviews from J.D. Power and has an average monthly rate of just $91.

Average Annual Premium Cost vs. Average
$1,089 $317 less


Country Financial — $130/month

Country Financial is a smaller, Illinois-based insurance company that offers insurance in 19 states. Though it costs a tad more ($130/month) than average, this insurer has a decent customer complaint ratio, a good financial outlook and was ranked as a top company by J.D. Power in 2020.

Average Annual Premium Cost vs. Average
$1,560 $154 more


Erie — $101/month

Erie also gets positive reviews from J.D. Power but offers coverage in just 12 states and Washington, D.C. According to our data, it also tends to have affordable premiums.

Average Annual Premium Cost vs. Average
$1,208 $198 less


State Farm — $113/month

With almost 18% market share in home insurance, State Farm is a familiar name for many as it also dominates the auto insurance space. State Farm's homeowners insurance is generally regarded positively, complete with a strong financial footing for paying out claims. With an average monthly premium of $113, State Farm sits squarely middle-of-the-road in terms of insurance costs but is slightly more expensive than USAA.

Average Annual Premium Cost vs. Average
$1,356 $50 less


Auto-Owners — $109/month

Auto-Owners' home insurance has overall favorable ratings in customer satisfaction and financial strength. It also ranked as one of the more inexpensive insurance companies, costing about $109 per month.

Average Annual Premium Cost vs. Average
$1,309 $97 less


Allstate — $133/month

Another popular name in insurance, Allstate has the second-highest market share in home insurance — a little over 8% — but is pricier than State Farm. Its customer satisfaction was reviewed favorably but the company's customer complaint ratings, however, are just average.

Average Annual Premium Cost vs. Average
$1,594 $188 more


American Family — $188/month

American Family has a better customer complaint score than Progressive but its financial strength is not as robust. Coverage costs about $188 per month, making it more expensive than other top companies.

Average Annual Premium Cost vs. Average
$2,261 $855 more

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Farmers — $121/month

Farmers comes with middling scores for customer service and financial strength though it currently holds fifth-place in market share for homeowners insurance. On average, it costs about $121 per month, making it comparable to State Farm and Allstate.

Average Annual Premium Cost vs. Average
$1,455 $49 more


CSAA Insurance — $72/month

CSAA is an AAA affiliate that primarily serves northern CaliforniaNevada and Utah. This insurer ranked as the most affordable provider of home insurance — if you live in one of the states in which it's active — but has just-average scores for financial stability and customer service.

Average Annual Premium Cost vs. Average
$865 $541 less


Automobile Club (AAA) — $87/month

AAA is mostly known for roadside assistance programs, but it also offers a host of insurance products for its members. Homeowners insurance from AAA typically costs an average of $87 per month — making it one of the cheaper top companies.

Average Annual Premium Cost vs. Average
$1,049 $357 less


Auto Club of Southern California — $139/month

The largest regional subsidiary of AAA, the Auto Club of Southern California offers numerous lines of insurance, including homeowners insurance. You must be an AAA member to be eligible for their insurance. On average, this company's pricing is on the higher side — about $139 a month.

Average Annual Premium Cost vs. Average
$1,670 $264 higher


Nationwide — $103/month

The eighth-largest provider of home insurance by market share, Nationwide has passable scores for customer service, financial strength and customer complaint ratio. In terms of the cost of coverage, it's on the cheaper side — $103 a month.

Average Annual Premium Cost vs. Average
$1,236 $170 less


Travelers — $120/month

Travelers received top marks for financial strength, but its customer satisfaction rating is mediocre despite its standing as the sixth most popular company by market share. The cost of Travelers home insurance is close to the overall group average and comparable to Farmers and State Farm.

Average Annual Premium Cost vs. Average
$1,444 $38 more


AIG Insurance — $57/month

American International Group (AIG) specializes in insuring high-value properties and is considered a premier insurance company. These insurance providers typically offer additional benefits, like expanded coverage options and coverage limits, add-ons and other perks. Though it was given a good customer complaint rating by the NAIC, AIG's customer satisfaction score was subpar.

Average Annual Premium Cost vs. Average
$687 $719 less


Liberty Mutual — $118/month

Liberty Mutual is the fourth-largest provider of home insurance by market share and is generally well-priced compared to other top companies of similar size. It numbers among the cheaper insurance companies out of all surveyed — costing an average of $118 per month. However, it's worth noting that Liberty Mutual received inferior scores for customer service and the number of complaints.

Average Annual Premium Cost vs. Average
$1,414 $8 more


MetLife — $85/month

Home insurance policies with MetLife cost about $85 a month. Its customer service may not be stellar but coverage tends to be cheaper than many top insurers.

Average Annual Premium Cost vs. Average
$1,016 $390 less


Chubb — $86/month

Chubb is another premier insurance company that provides home insurance for high-worth properties and those with many assets. The company has a very positive financial outlook but not the best customer satisfaction rating.

Average Annual Premium Cost vs. Average
$1,029 $377 less


Progressive — $113/month

According to Progressive, bundling homeowners and car insurance can yield a savings of 12%. Its customer complaint score is poor compared to other companies of its size, but it's monthly cost is very affordable at $113 a month.

Average Annual Premium Cost vs. Average
$1,355 $51 less


UPC Insurance — $61/month

UPC's homeowners insurance is decently priced at only $61 per month, but its financial status — which impacts a company's ability to pay out insurance claims — was the shakiest of the insurers we surveyed. The company's customer complaint ratio was also substandard.

Average Annual Premium Cost vs. Average
$729 $677 less

The most popular home insurance companies in America

Nearly half of the homeowners insurance premiums written in America are generated by only 10 companies. 

The 10 largest home insurance companies by premiums written*
Home Insurance Company $ Premiums Written (2021) Market Share
State Farm $70,311,695 8.9%
GEICO $51,603,818 6.5%
Progressive $48,373,113 6.1%
Liberty Mutual $41,473,558 5.3%
Allstate $41,387,729 5.3%
Travelers $30,920,023 3.9%
Chubb $26,983,034 3.4%
USAA $25,257,974 3.3%
Farmers $25,009,069 3.2%
Nationwide $19,435,641 2.5%

*Insurance premiums data comes from the Insurance Information Institute.

How to find the best home insurance company for you

With all the choices out there, it can be overwhelming to find the best company to insure your home. Consider our expert tips on how to prioritize your needs and what to think about during this process.

Coverage options

All of the essential home insurance coverages should already be outlined in your home insurance policy. This comprises protection for your dwelling and other structures (at replacement cost), personal propertyliability coverageadditional living expenses and medical payments to others.

The best insurance companies will offer some additional coverages — also known as endorsements — that bolster or expand your coverage in your homeowners insurance policy. A useful one to consider is upgrading to replacement cost  for your personal property coverage; with a standard policy, losses to home contents are typically based on actual cash value, which deducts depreciation. This will ensure you receive the full amount required to replace your property.

Learn more about homeowners insurance endorsements.



If you already have auto insurance with Company A, it would be worth looking into bundling a new homeowners policy with the same company. Bundling discounts number as one of the most common discounts found at most insurance companies — and home and auto, in particular, is a popular bundling option.

However, keep in mind that even with a bundling discount, your rate could be better elsewhere; some insurance providers are just more expensive than others, even if your risk profile remains unchanged. Shopping and comparing quotes before the end of every policy period is one of the best ways to secure the cheapest rates. Don't be afraid to switch companies — if you receive a better quote from Company B midway through your policy with Company A, paying the initial cancellation fee could be worth the future savings.



The discounts offered by most insurance companies tend to be quite small, and the range of discounts also varies widely by company. But this doesn't mean they're not worth inquiring about.

Some discounts are automatically built into your insurance premium when you get a quote and can turn into sizable savings over time.

See more information on common home insurance discounts.

Popular discounts for home insurance

  • Payment methods: EFT, paperless, automatic, or pay in full
  • New home construction
  • Senior discount
  • Occupational
  • Home security systems
  • Fire prevention systems
  • Roof upgrades
  • Smoke-free


USAA was the highest rated homeowners insurance company, according to The Zebra’s Customer Satisfaction survey. Erie Insurance and American Family also ranked highly, coming in at number two and three respectively.

The best rates for home and auto bundles come from USAA and State Farm. While these companies tend to offer the cheapest bundling rates, other insurers typically offer a steep discount for pairing your home and auto policies together.

The Zebra found that Amica, AAA and MetLife home insurance were the cheapest overall, ranging from $86 to $91 per month. USAA is also a great option for veterans and active duty service members looking for good homeowners insurance rates.

Unlike auto insurance, homeowners insurance is not required by law. However, if you have a mortgage, many lenders will require you to hold homeowners insurance in their lending agreement in order to protect their vested interest.

The amount of homeowners coverage you need depends on your personal situation. Your dwelling coverage limit should be enough to cover the full cost of rebuilding your home should disaster strike. Rebuilding costs can differ depending on location, so check with a local real estate agent or insurance rep if you need help coming up with that number. You’ll also want to factor in the value of your personal belongings and set a reasonable limit for your loss of use coverage should you be unable to live in your home for a period of time. Your home insurance company will be able to help answer questions and determine how much coverage that you will need.

Homeowners insurance deductibles work the same as auto insurance deductibles. You set your deductible amount at the start of your policy, and that number represents the amount of out-of-pocket costs you are responsible to pay before insurance kicks in for covering repair costs. The higher deductible you set, the lower your premium will be.

Buying homeowners insurance is a fairly straightforward process. Start by getting a home insurance quote from a provider based on your unique needs. You can get quotes online or call in to a companies to speak to an insurance agent.. It is also always a good idea to compare quotes from many companies to make sure you are getting the best value for your policy. For this, The Zebra has you covered.

While homeowners insurance covers damages due to a variety of perils, notable exclusions are losses due to natural disasters like earthquakes and floods. Still, many companies offer endorsements for these, or you could purchase a separate flood insurance policy through the national flood insurance program.

Compare quotes to find a homeowners policy with the best value.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.