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:

#CompanyHOIC Overall Rating
1Allstate4.5
2State Farm4.5
3Farm Bureau4.5
3Farmers4.3
4Nationwide4.3
5Chubb4.3
6National General4.3
7Progressive4.0
8Liberty Mutual4.0
9Hippo4.0
10Acuity4.0
11Cincinnati Insurance4.0
12Auto-Owners Insurance Group4.0
13GEICO3.8
14AIG3.8
15Utica National3.8
16USAA3.8
17California Casualty3.8
18Esurance3.8
19Foremost3.8
20Main Street America3.8
21Aegis Security3.7
22Assurant3.5
23Horace Mann3.5
24SafeCo3.5
25Encompass3.5
26Armed Forces3.3
27Pacific Specialty3.3
28Stillwater3.3
29Berkshire Hathaway Guard3.3
30Costco CONNECT2.8
31Zurich2.5
32Homesite2.5
33American Modern2.5
34ASI (American Strategic Insurance)2.3

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

#CompanyHOIC Overall RatingStates Covered
1Donegal Insurance Group4.824 states
2Concord Group4.84 states
3Westfield4.510 states
4Penn National4.512 states
5Grange4.517 states
6Kin4.54 states
7The Andover Companies4.58 states
8Bunker Hill4.56 states
9Celina Insurance Group4.5IN, TN, OH
10Goodville Mutual4.58 states
11PURE4.312 states
12Erie4.312 states
13SECURA4.313 states
14Unitrin4.313 states
15SageSure4.314 states
16Alfa4.311 states
17Pekin4.36 states
18Rockingham Insurance4.3VA and PA
19Frankenmuth4.015 states
20Openly4.021 states
21Southern Oak4.0Florida
22Olympus Insurance4.0Florida
23Lemonade3.822 states
24Central Insurance Companies3.823 states
25Wawanesa3.8California
26CSE Insurance Group3.810 states
27United Home3.89 states
28Acceptance3.515 states
29Selective3.515 states
30Kingstone3.54 states
31Kemper3.328 states
32West Bend Mutual3.311 states
33HOAIC (Homeowners of America Insurance Company)3.321 states
34Security First3.3Florida
35Edison3.3Florida
36RLI3.3Hawaii
37Frontline3.05 states
38Swyfft3.05 states
39NLC Insurance3.03 states
40Homeowners Choice3.05 states
41Universal Property and Casualty3.019 states
42American Reliable2.828 states
43American Integrity2.8Florida
44Centauri2.89 states
45Heritage2.86 states
46American Risk2.8TX, OK, LA
47Monarch National2.8Florida
48Citizens2.8Florida
49Wellington Insurance Group2.8Texas
50American Traditions2.8Florida
51Hochheim Prairie2.7Texas
52SafePoint2.05 states

All home insurance companies reviewed by HOIC in alphabetic order

Click on one or more companies below to learn more.