Best 100+ Home Insurance Companies Reviewed

The best home insurance company will differ with each homeowner. The varying conditions of each house and property risks also play determining roles in which company will suit your household the best. There is no one policy that fits all, so to speak. Therefore, we’ve reviewed the most popular home insurers in the country to give you clarity on the multiple coverage and discounts that each company offers. We included consumer ratings to get a sense of how the company performs in paying out its claims.

Best-rated nationwide (30+ states covered) home insurance companies reviewed by HOIC in 2023

Read full reviews to find out how we rated each company:

#	Company	HOIC Overall Rating
1	Allstate	4.5
2	State Farm	4.5
3	Farm Bureau	4.5
3	Farmers	4.3
4	Nationwide	4.3
5	Chubb	4.3
6	National General	4.3
7	Progressive	4.0
8	Liberty Mutual	4.0
9	Hippo	4.0
10	Acuity	4.0
11	Cincinnati Insurance	4.0
12	Auto-Owners Insurance Group	4.0
13	GEICO	3.8
14	AIG	3.8
15	Utica National	3.8
16	USAA	3.8
17	California Casualty	3.8
18	Esurance	3.8
19	Foremost	3.8
20	Main Street America	3.8
21	Aegis Security	3.7
22	Assurant	3.5
23	Horace Mann	3.5
24	SafeCo	3.5
25	Encompass	3.5
26	Armed Forces	3.3
27	Pacific Specialty	3.3
28	Stillwater	3.3
29	Berkshire Hathaway Guard	3.3
30	Costco CONNECT	2.8
31	Zurich	2.5
32	Homesite	2.5
33	American Modern	2.5
34	ASI (American Strategic Insurance)	2.3

Best-rated regional homeowners insurance providers reviewed by HOIC in 2023

#	Company	HOIC Overall Rating	States Covered
1	Donegal Insurance Group	4.8	24 states
2	Concord Group	4.8	4 states
3	Westfield	4.5	10 states
4	Penn National	4.5	12 states
5	Grange	4.5	17 states
6	Kin	4.5	4 states
7	The Andover Companies	4.5	8 states
8	Bunker Hill	4.5	6 states
9	Celina Insurance Group	4.5	IN, TN, OH
10	Goodville Mutual	4.5	8 states
11	PURE	4.3	12 states
12	Erie	4.3	12 states
13	SECURA	4.3	13 states
14	Unitrin	4.3	13 states
15	SageSure	4.3	14 states
16	Alfa	4.3	11 states
17	Pekin	4.3	6 states
18	Rockingham Insurance	4.3	VA and PA
19	Frankenmuth	4.0	15 states
20	Openly	4.0	21 states
21	Southern Oak	4.0	Florida
22	Olympus Insurance	4.0	Florida
23	Lemonade	3.8	22 states
24	Central Insurance Companies	3.8	23 states
25	Wawanesa	3.8	California
26	CSE Insurance Group	3.8	10 states
27	United Home	3.8	9 states
28	Acceptance	3.5	15 states
29	Selective	3.5	15 states
30	Kingstone	3.5	4 states
31	Kemper	3.3	28 states
32	West Bend Mutual	3.3	11 states
33	HOAIC (Homeowners of America Insurance Company)	3.3	21 states
34	Security First	3.3	Florida
35	Edison	3.3	Florida
36	RLI	3.3	Hawaii
37	Frontline	3.0	5 states
38	Swyfft	3.0	5 states
39	NLC Insurance	3.0	3 states
40	Homeowners Choice	3.0	5 states
41	Universal Property and Casualty	3.0	19 states
42	American Reliable	2.8	28 states
43	American Integrity	2.8	Florida
44	Centauri	2.8	9 states
45	Heritage	2.8	6 states
46	American Risk	2.8	TX, OK, LA
47	Monarch National	2.8	Florida
48	Citizens	2.8	Florida
49	Wellington Insurance Group	2.8	Texas
50	American Traditions	2.8	Florida
51	Hochheim Prairie	2.7	Texas
52	SafePoint	2.0	5 states

All home insurance companies reviewed by HOIC in alphabetic order

Click on one or more companies below to learn more.

Bunker Hill

Zurich