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The best homeowners companies for 2021

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 for 2021 to help you find the company that works best for you. Take a look at our comprehensive reviews and ratings below, starting with the top three home insurance companies based on the results of The Zebra's Customer Satisfaction Survey.

USAA Home Insurance
Best overall: USAA home insurance

USAA topped all categories in The Zebra's Customer Satisfaction Survey, including claims satisfaction, ease of interaction, the likelihood of recommendation, trust and online satisfaction.

Erie Home Insurance
2nd place: Erie home insurance

With an overall score of 4.5/5, Erie home insurance placed 2nd overall in the Zebra's Customer Satisfaction Survey, doing particularly well in ease of interaction, the likelihood of recommendation and trust.

American Family homeowners insurance
3rd place: American Family home insurance

American Family home insurance placed 3rd overall with a score of 4.4/5, scoring particularly well in claims satisfaction, trust and online satisfaction.


The Zebra's customer satisfaction survey 2021 — 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.

RankCompanyAverage Customer Satisfaction Rating (out of 5)
1stUSAA4.6
2ndErie4.5
3rdAmerican Family4.4
4thGEICO4.4
5thState Farm4.4
6thAuto-Owners4.4
7thFarmers4.3
8thLiberty Mutual4.3
9thAllstate4.3
10thNationwide4.3
11thTravelers4.3
12thProgressive4.3
13thNational General4.2
14thAuto Club (AAA)4.2
15thKemper4.0

 


Survey results by category

Claims satisfaction
Claims satisfaction

Customers who made a claim with the company in the past five years were asked to rate their overall satisfaction with the claims process. 

  1. USAA
  2. National General
  3. American Family
Ease of interaction:
Ease of interaction

Customers were asked about the ease of interaction with the company, including paying bills, asking questions or renewing a policy. 

  1. USAA
  2. Erie
  3. State Farm
Likelihood of recommendation
Likelihood of recommendation

Below are the top three companies that respondents rated as the most likely to recommend.

  1. USAA
  2. Erie
  3. GEICO
Trust
Trust

Below are the top three most trustworthy home insurance carriers as rated by our survey respondents.

  1. USAA
  2. Erie
  3. American Family
Online Satisfaction
Online satisfaction

The following companies deliver the best online or mobile experience according to our survey results. 

  1. USAA
  2. GEICO
  3. American Family

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.

See more information — and average homeowners rates — from each of these insurance companies below, or see tips on how to choose the best company.

TOP HOME INSURANCE COMPANIES IN 2021
CompanyJ.D. Power Property Claims Satisfaction Study (2021)J.D. Power Home Customer Satisfaction Index (2020)NAICAM Best
USAA905 (Excellent)889 (Excellent)ExcellentA++ (Superior)
Erie869 (Poor)839 (Above Average)Above AverageA+ (Superior
American Family890 (Above Average)821 (Average)Below AverageA (Excellent)
GEICONot ratedNot ratedAverageA++ (Superior)
State Farm880 (Below Average)829 (Above Average)ExcellentA++ (Superior)
Auto-Owners900 (Excellent)843 (Excellent)ExcellentA++ (Superior)
Farmers884 (Average)814 (Average)Below AverageA- (Excellent)
Liberty Mutual881 (Average)805 (Below Average)Below AverageB++ (Good)
Allstate882 (Average)829 (Above Average)ExcellentA+ (Superior)
Nationwide892 (Above Average)808 (Below Average)AverageA+ (Superior)
Travelers881 (Average)803 (Below Average)Above AverageA+ (Superior)
Progressive879 (Below Average)797 (Poor)ExcellentA (Excellent)
National GeneralNot ratedNot ratedAbove AverageA (Excellent)
Auto Club (AAA)865 (Poor)820 (Average)Below AverageA- (Excellent)
KemperNot ratedNot ratedBelow AverageB-- (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 costs for a number of popular homeowners insurance companies to give you an idea what you can expect to pay for a policy. 

 

USAA

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 PremiumCost vs. Average
$1,231$175 less

 

Amica

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

Average Annual PremiumCost vs. Average
$1,089$317 less

 

Country Financial

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 PremiumCost vs. Average
$1,560$154 more

 

Erie

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 PremiumCost vs. Average
$1,208$198 less

 

State Farm

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 PremiumCost vs. Average
$1,356$50 less

 

Auto-Owners

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 PremiumCost vs. Average
$1,309$97 less

 

Allstate

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 PremiumCost vs. Average
$1,594$188 more

 

American Family

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 PremiumCost vs. Average
$2,261$855 more

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Farmers

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 PremiumCost vs. Average
$1,455$49 more

 

CSAA Insurance

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 PremiumCost vs. Average
$865$541 less

 

Automobile Club (AAA)

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 PremiumCost vs. Average
$1,049$357 less

 

Auto Club of Southern California

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 PremiumCost vs. Average
$1,670$264 higher

 

Nationwide

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 PremiumCost vs. Average
$1,236$170 less

 

Travelers

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 PremiumCost vs. Average
$1,444$38 more

 

AIG Insurance

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 PremiumCost vs. Average
$687$719 less

 

Liberty Mutual

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 $117 per month. However, it's worth noting that Liberty Mutual received inferior scores for customer service and the number of complaints.

Average Annual PremiumCost vs. Average
$1,414$8 more

 

MetLife

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 PremiumCost vs. Average
$1,016$390 less

 

Chubb

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 PremiumCost vs. Average
$1,029$377 less

 

Progressive

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 PremiumCost vs. Average
$1,355$51 less

 

UPC Insurance

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 PremiumCost vs. Average
$729$677 less

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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 coverage for your personal property; 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.

coverage

Bundling

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.

Discounts

icon-money

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

FAQs

What is the best home insurance company? 

USAA was the highest rated homeowners insurance company for 2021 according to The Zebra’s Customer Satisfaction survey. Erie Insurance and American Family also ranked highly, coming in at number two and three respectively. 

 

What company has the best home and auto insurance bundle? 

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. 

 

What is the cheapest homeowners insurance?

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 rates. 

 

How much homeowners insurance do I need? 

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 property 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. 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent and one of The Zebra’s in-house content researchers and writers.

With a background in copywriting, she covers the ins and outs of auto, home, life and renters insurance, providing data-backed insights and information to help insurance shoppers make informed decisions. Kristine has contributed her insurance expertise to publications such as Automoblog, USInsuranceAgents.com and BestCompany.com. Her research has been cited by Car and Driver.

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.