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
1Amica4.8
2Allstate4.5
3State Farm4.5
4Travelers4.5
5Farm Bureau4.5
6Branch Insurance4.5*
7Farmers4.3
8Nationwide4.3
9Chubb4.3
10National General4.3
11Progressive4.0
12Liberty Mutual4.0
13Hippo4.0
14Acuity4.0
15Cincinnati Insurance4.0
16Auto-Owners Insurance Group4.0
17The Hartford4.0
18GEICO3.8
19AIG3.8
20Utica National3.8
21USAA3.8
22California Casualty3.8
23Esurance3.8
24Foremost3.8
25Main Street America3.8
26Aegis Security3.7
27Assurant3.5
28Horace Mann3.5
29SafeCo3.5
30Encompass3.5
31Armed Forces3.3
32Pacific Specialty3.3
33Stillwater3.3
34Berkshire Hathaway Guard3.3
35Midvale3.0
36American National (ANICO)3.0
37Costco CONNECT2.8
38Zurich2.5
39Homesite2.5
40American Modern2.5
41QBE2.5
42ASI (American Strategic Insurance)2.3

*New, not much data

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

#CompanyHOIC Overall RatingStates Covered
1Wisconsin Mutual5.0WI & MN
2Donegal Insurance Group4.824 states
3Arbella4.84 states
4Western Mutual4.87 states
5Concord Group4.84 states
6Pioneer State Mutual4.8Michigan
7MAPFRE4.513 states
8Westfield4.510 states
9Penn National4.512 states
10Grange4.517 states
11Kin4.54 states
12The Andover Companies4.58 states
13Bunker Hill4.56 states
14Celina Insurance Group4.5IN, TN, OH
15Northern Neck4.5VA
16Goodville Mutual4.58 states
17Country Financial4.319 states
18PURE4.312 states
19Erie4.312 states
20SECURA4.313 states
21Unitrin4.313 states
22SageSure4.314 states
23Alfa4.311 states
24Badger Mutual4.37 states
25Pekin4.36 states
26NJM4.35 states
27Germania4.3Texas
28Rockingham Insurance4.3VA and PA
29American Family (AmFam)4.019 states
30The Hanover4.029 states
31Frankenmuth4.015 states
32Openly4.021 states
33Southern Oak4.0Florida
34Olympus Insurance4.0Florida
35Lemonade3.822 states
36Hastings Mutual3.86 states
37Central Insurance Companies3.823 states
38Wawanesa3.8California
39CSE Insurance Group3.810 states
40United Home3.89 states
41SURE3.87 states
42Acceptance3.515 states
43Selective3.515 states
44Kingstone3.54 states
45Allied Trust3.5TX & LA
46Kemper3.328 states
47West Bend Mutual3.311 states
48HOAIC (Homeowners of America Insurance Company)3.321 states
49Mercury3.311 states
50Velocity Risk3.3TX & FL
51Security First3.3Florida
52Florida Peninsula3.3Florida
53Edison3.3Florida
54RLI3.3Hawaii
55Frontline3.05 states
56Swyfft3.05 states
57NLC Insurance3.03 states
58Homeowners Choice3.05 states
59Universal Property and Casualty3.019 states
60Bamboo3.0AZ & CA
61American Reliable2.828 states
62Tower Hill2.817 states
63American Integrity2.8Florida
64Centauri2.89 states
65Heritage2.86 states
66Ocean Harbor2.85 states
67American Risk2.8TX, OK, LA
68Monarch National2.8Florida
69Citizens2.8Florida
70Wellington Insurance Group2.8Texas
71American Traditions2.8Florida
72Hochheim Prairie2.7Texas
73Cypress Property & Casualty2.5TX & FL
74Castle Key2.3FL
75SafePoint2.05 states

All home insurance companies reviewed by HOIC in alphabetic order

Click on one or more companies below to learn more.

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