Your home is one of the most expensive purchases you’ll make, which is why choosing a home insurance company to protect your financial investment shouldn’t be taken lightly. That’s where our Policygenius home insurance reviews come in.
Our team of home insurance experts and licensed agents reviewed over 60 popular home insurance companies based on average costs, coverage options, customer service scores, and financial stability to make it easier for you to compare policies to find the best home insurance company for you.
Our home insurance company reviews
On this page, you’ll find a complete list of every home insurance company we rated, along with a brief overview of the type of homeowner they’re best for, and a few pros and cons. We’ve also linked out to each company’s full review, so you can easily learn more about a particular insurer that catches your eye.
2024 Policygenius award winner
AAA
![AAA logo](https://images.ctfassets.net/3uw9cov4u60w/S6cwMkKGXIdjlxrGNv5US/b840f8e6fe68dd6db910d243fa7015d4/quote-output-logo-aaa.png?w=384&h=128&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
AAA home insurance is a stellar idea if you have an existing AAA membership or auto insurance policy — you’ll receive extra savings on your home insurance rate for either.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates, plus 15+ home insurance discounts available
20+ policy coverages and add-ons — including flood and earthquake insurance
Slew of other perks and discounts that come with AAA membership
Cons
AAA membership required to purchase home insurance
Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through
Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies
Acuity
![Acuity home & auto insurance logo](https://images.ctfassets.net/3uw9cov4u60w/3YQdO7xNBKapZrNGcau61q/c2b09bba6dab21d321be346e4fd7cf9a/Acuity-Black-and-White.svg.png?w=800&h=223&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Acuity home insurance stands out for its extensive optional coverages, a strong customer service track record, and one of the best policy bundling packages we’ve come across.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Guaranteed replacement cost dwelling coverage available
Exceptional customer service and informational content
Bundling package includes several perks and incentives
Cons
Rates are higher than the national average
Limited discount options
Only available in 26 states
AIG
![AIG home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/3ddci3SxRgPN0cDHdHXFeN/ffbc3c342da3702391ea955f05e64752/AIG-b-W-logo.svg.png?w=800&h=411&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
AIG offers high-dollar policy limits, exclusive coverage add-ons, and complimentary wildfire and hurricane protection services — best for affluent homeowners looking to purchase multiple insurance policies with one luxury carrier.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Industry-best customer and claims satisfaction ratings with J.D. Power
Guaranteed & extended replacement cost coverage available
Complimentary wildfire and hurricane mitigation services
Cons
Doesn't allow you to purchase standalone home insurance
Alfa Insurance
![Alfa Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2cIpAjz1pdLaR4gshl75CM/20cdfd0fb96f919d77b42575a3c8a346/AlfaInsuranceLogo.png?w=988&h=164&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.1
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
With excellent customer service ratings, strong financial stability, and nearly 80 years of experience in the industry, Alfa home insurance is a solid choice for homeowners seeking reliability.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Receives fewer complaints than other companies of its size
Offers a comprehensive website and mobile app
High financial strength rating with A.M. Best, meaning it likely has the reserves to pay out claims in the wake of a natural disaster
Cons
Rates are nearly $1,000 more than the national average, and it only offers 4 discounts
Only available in 6 states throughout the South
Fewer coverage add-ons and discounts compared to larger home insurance companies
2024 Policygenius award winner
Allstate
![Allstate logo](https://images.ctfassets.net/3uw9cov4u60w/vwS7jsqtBukZQEV9HR2DH/1fcc2cef5582831a0501f88c51c31179/Allstate.jpg?w=219&h=74&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
With industry-best coverage options, high financial strength and customer satisfaction ratings, and affordable rates in many states, Allstate is one of the best home insurance options on the market.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
High-quality and flexible policy options
Numerous discounts and features that help you save
Below-average customer complaints
Cons
No longer sells home insurance policies in California
Below-average digital experience rating with J.D. Power
2024 Policygenius award winner
American Family
![American Family home insurance](https://images.ctfassets.net/3uw9cov4u60w/5yt8aUhVb0fLyiGxn94Qzn/e6329cd59462e7b33e413f9fa4d84131/AmericanFamilylogo.png?w=412&h=122&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates and 11 available discounts
Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study
Diminishing deductible feature to lower out-of-pocket claim costs
Cons
Only available in 19 states
Offers online quotes, but requires talking to an agent to complete the process
American Modern
![American Modern insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2K9OZRZQT906PxYja9JbK9/842f46024de85ebb7835ab12c83e246f/american-modern-insurance-group-vector-logo.png?w=900&h=500&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
If you’ve had trouble finding a homeowners insurance policy due to the age of your home, its location, condition, or its claims history, American Modern is a good alternative to consider since it specializes in home insurance for high-risk homes.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Covers high-risk homes that have been rejected by other standard insurers due to age, location, or claims history
Offers a slew of policy add-ons and coverages for different types of homes, including mobile, vacation, and vacant homes
Received 20% fewer customer complaints than other companies of its size
Cons
No online quote tool
Can be more expensive than traditional insurers
American National
![American National logo](https://images.ctfassets.net/3uw9cov4u60w/GO7eMAZAgNYjIwsNAc4JQ/42c3edf9cb3801748319995ace25eb0c/AmericanNational.png?w=2100&h=962&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
American National home insurance is highly rated for customer service and offers cash back for bundling multiple policies and going three years without filing a claim.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
If you bundle your home and auto policies and go three years without filing a claim, you’ll receive a percentage of your premiums back
Good customer service ratings — received 70% fewer complaints than similar-sized insurers in 2021
Rates on par with the national average
Cons
Not much information about coverage options and discounts available on its website
No online quotes available — must contact a local agent
Recent company acquisition might mean changes for policyholders
2024 Policygenius award winner
Amica
![Amica home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/3zu1djIn8JHprPgozXvMAK/e83bedb87d1f688753cf4e3f3a3438d0/_2022_Amica_LOGO.png?w=2800&h=946&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Amica home insurance is a solid choice for homeowners looking for affordable rates, a unique dividend policy option, and a company with stellar claims and customer satisfaction ratings.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Unique dividend policy option to earn up to 20% back on insurance premiums each year
Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys
Available everywhere except Hawaii and Alaska
Cons
Dividend policy isn’t available in high-risk states like Florida and California
The Andover Companies
![The Andover Companies logo](https://images.ctfassets.net/3uw9cov4u60w/5gdeTQ4ts0sqO7ZeQQtb7T/390af8e73be3940e899493f818994acf/andover-logo.png?w=600&h=183&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
The Andover Companies has a nearly 200-year-long tradition of reliable home insurance coverage with affordable rates for homeowners in eight states throughout the Northeast.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Offers cheap rates that are 42% below the national average — plus, 6 home insurance discounts to save even more
Choose from plenty of coverage add-ons, including water damage, equipment breakdown, cyber, business property, and identity theft protection
Excellent customer service and financial strength ratings
Cons
No online quote tool or mobile app for managing your policy
Can’t file claims online — must call or visit your local agent in person
Only offers home insurance in 8 states throughout the Northeast
Arbella Insurance
![Arbella Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/3nPJxaymBSNBUABLYEZ0Bw/f97fade510b828809d10469d16abc963/Arbella_Insurance_Logo.png?w=800&h=352&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Arbella home insurance comes with cheap rates, stellar customer service, and strong financial stability for homeowners in Massachusetts, Connecticut, Rhode Island, and New Hampshire.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheap rates that are 41% below the national average
Earns a perfect 5-star rating for customer service — it received 99% fewer complaints than expected for a company of its size in 2021
Mobile app makes it easy to manage your policy and file a claim from the palm of your hand
Cons
Doesn’t offer guaranteed or extended replacement cost coverage for your home
Only available in Massachusetts, Connecticut, Rhode Island, and New Hampshire
No online quote tool — must contact a local agent to get started
Armed Forces Insurance
![Armed Forces Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/4gEBFtKRXE6f0ozmCT32Oh/2002d92e1ef1f93ac6764eaf503fe971/AFI-logo-w.jpg?w=1120&h=500&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Armed Forces Insurance (AFI) offers home insurance policies to veterans, active military members, and their families. It’s a good pick if you’re looking for affordable rates and a slew of extra coverage add-ons.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheap rates that are 23% below the national average
Several valuable coverage add-ons, including water backup, valuable items, flood insurance, earthquake insurance, and more
Gives back to the military community by supporting local food banks and providing resources for individuals with post-traumatic stress disorder
Cons
Only available to members of the military, veterans, and their families
Poor customer service and financial strength ratings
Doesn’t offer an app
Assurant
![Assurant logo](https://images.ctfassets.net/3uw9cov4u60w/5d6yiipamrOk9zzZb1qEs9/1c463b76c49c9748832fd466f078156b/assurant-logo.png?w=736&h=154&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.1
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Assurant offers manufactured and mobile home insurance coverage, as well as flood insurance through the NFIP in all states except Florida, Hawaii, and D.C.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Specializes in manufactured and mobile home insurance coverage, including all-risk protection
Willing to insure previously owned mobile homes of any age — rare among other insurers
Online quote tool lets you purchase a policy online in just minutes
Cons
Website lacks detailed information about all of its coverage and discount options available
Received around 18% more customer complaints in 2021 expected for a company of its size
Not available in Florida, Hawaii, or Washington, D.C.
2024 Policygenius award winner
Auto-Owners Insurance
![Auto-Owners home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2Od78Ha9fmoSGjnoz6rKgQ/e5f1902c779a75c5f7a34f2bb3ce13c7/Auto_Owners_Insurance.png?w=700&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Auto-Owners home insurance policies are among the most affordable and customizable around. They’re backed by impeccable financial ratings, making it a great coverage option in the 26 states where it’s available.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates
Several additional coverage options
Up to 12 available discounts
Cons
Only available in 26 states
Not able to get quotes or file claims online
Bamboo Insurance
![Bamboo Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/O8mXDQGxS9wxP91aumfDj/51f722ff5e84de6fcad8bccade09b3b8/Bamboo_Insurance_Logo_Logo.jpg?w=800&h=149&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Bamboo is an excellent option for California and Arizona homeowners who’ve struggled to find home insurance elsewhere. It’s one of the few home insurers still writing policies in the Golden State — many have pulled out due to the high risk of wildfires.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in high-risk areas of California
Offers coverage for regular homes, vacant properties, rentals, and vacation homes
Cons
Not included in the NAIC complaint index, meaning we weren’t able to rate Bamboo on customer service
Policy cost information not available as of Feb. 2024
Berkshire Hathaway Guard Insurance Companies
![Berkshire Hathaway Guard Insurance Companies logo](https://images.ctfassets.net/3uw9cov4u60w/6O1KdXBQRQ9mlsVkcHK2GU/2471f9b6da1a063dc8592502686360a6/BHGuardlogo.png?w=512&h=148&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Berkshire Hathaway Guard Insurance offers home insurance policies in 23 states — including California and Texas — to protect high-risk homes that other carriers won’t.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in high-risk states like Texas and California where it’s more difficult to find coverage
Offers lots of coverage add-ons, including inflation guard, water backup, service line, earthquake, sinkhole, and equipment breakdown protection
Mobile app available to easily file claims, manage your policy, and pay your premiums from the palm of your hand
Cons
Annual rates are $2,400 more expensive than the national average
Doesn’t advertise guaranteed or extended replacement cost coverage for your home on its website
Can’t get a quote online — must fill out an online form to get connected with an agent
Chubb
![](https://images.ctfassets.net/3uw9cov4u60w/4rru9KpzyUKWUqqY8ks8Aw/7616dd0019f9d7cb9323666ab06c7849/quote-output-logo-chubb.png?w=384&h=128&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Chubb home insurance is ideal for high-value properties, offering robust policy add-ons like replacement cost coverage for your home and belongings, advanced digital tools, and a personalized loss-settlement process if you need to file a claim.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Extended replacement cost coverage
Cash-out claim settlements
Complimentary wildfire and hurricane mitigation services
Cons
Only insures high-value homes
Below-average J.D. Power customer satisfaction ratings
Cincinnati Insurance
![Cincinnati Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2rbt7mOHuXppkDf0JaOJoA/952527b4bd16a8b32cbd1ec5a42c3da9/CincinnatiInsuranceLogo.png?w=700&h=264&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.8
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Cincinnati Insurance home insurance scores high in customer service, financial stability, and quality coverage options for high-net worth individuals.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Earns 5-star ratings for customer service, financial stability, and coverage options
Valuable policy add-ons, including excess flood insurance, earthquake coverage, wildfire protection services, emergency event cancellation coverage, child abduction protection, and more
Offers single-deductible claims if you bundle your home and auto policies, as well as a deductible waiver for expensive claims
Cons
Only insures homes valued at $1 million or more
Not available in Alaska, Mississippi, Oklahoma, or South Dakota
No online quote tool
Citizens Property Insurance
![](https://images.ctfassets.net/3uw9cov4u60w/6FWyZJwr6L14qim3VvGY8l/4cb3c5a54502d52689ceb0f7816c94f8/CitizensInsuranceLogo.png?w=700&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
2.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
As Florida’s version of the Fair Access to Insurance Requirements (FAIR) Plan, Citizens home insurance might be a good fit if you’ve struggled to qualify for coverage due to multiple past claims, living in a high-risk coastal area, or having an old roof.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Provides homeowners insurance to high-risk homes that are often denied coverage by private insurers
Wind, flood, and dwelling fire insurance policies available
Sets up catastrophe response centers after natural disasters to offer in-person support to homeowners without power or means of communication
Cons
Rates are nearly 3 times higher than the national average — and the insurer proposed a 12% rate hike in June 2023
Fewer coverage options and lower limits than competitors
No online quote tool
Country Financial
![Country Financial logo](https://images.ctfassets.net/3uw9cov4u60w/3Y9e4eTm0oTYp8JGkzVEXZ/862e9209afacd93aab6f446bd12a2fac/CountryFinancialLogoB-W.png?w=301&h=167&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Country Financial home insurance is perfect for homeowners looking for a financially stable company with superb customer service scores and lots of coverage add-ons to ensure your home is fully protected.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Excellent customer service rating — received fewer complaints than other similar-sized insurers in 2021
Slew of coverage add-ons, including guaranteed replacement cost, flood and earthquake coverage, and water backup protection
Mobile app and online chat feature to easily manage your policy, file claims, and talk to a customer service rep
Cons
Rates are 43% more expensive than the national average
Only available in 19 states
Encompass
![](https://images.ctfassets.net/3uw9cov4u60w/6GaKEc0qMcebDDsXlsZT61/e950f389601188a7b2866f702494a0cc/Encompass_3x.jpg?w=673&h=206&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Encompass is an excellent option if you’re looking for comprehensive coverage add-ons with higher limits than what you’d find in a standard home insurance policy, including extended replacement cost coverage of up to 200% of your home’s value.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Save up to 30% when you bundle your home and auto insurance
Guaranteed replacement cost coverage for your home available
Accepts all dog breeds — rare among insurance companies
Cons
Rates are nearly 25% higher than the national average
Can’t file insurance claims online
Not available in 10 states — Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming
2024 Policygenius award winner
Erie
![](https://images.ctfassets.net/3uw9cov4u60w/5Dllw5v10HxgHm1o1Ojywa/24e84eaeeb4b91d9b0ee80739c21e165/Erie_insurance_logo.png?w=359&h=140&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Erie home insurance features a wide variety of coverage options and highly-rated customer service at an affordable rate, making it a great option in the 12 states where it’s available.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheap rates
Guaranteed replacement cost comes standard on Erie policies
Excellent customer service and claims satisfaction ratings
Cons
Only available in 12 states
Just three available discounts
Can’t get quotes or file claims online
Farm Bureau
![Farm Bureau Financial Services logo](https://images.ctfassets.net/3uw9cov4u60w/7aSdW0U3iUCWs1MyGWRlCE/754f723aceaa2ad2df12b8059947136c/farm-bureau-logo.png?w=797&h=317&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Farm Bureau offers exceptional customer service and the option to bundle a slew of insurance policies on top of just home insurance to save money on rates.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Excellent customer service score — received 99% fewer complaints expected for a company of its size in 2021
Excellent financial strength rating from A.M. Best, proving it likely has the funds to pay out claims in the wake of a natural disaster
Only pay one deductible if your home, car, and boat are damaged in the same event and you bundle your insurance policies with Farm Bureau
Cons
Rates are $1,400 more expensive than the national average
Only available in 8 states throughout the West
Need to have a Farm Bureau membership in your state to purchase insurance
2024 Policygenius award winner
Farmers
![Farmers Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2qgL2CGH6CHISpJLrr7jYJ/44925b09d90e6aedb179a4f6b525741a/farmers-logo2.png?w=800&h=160&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Farmers home insurance is a good option for homeowners looking for a robust lineup of coverage add-ons at a decent price to ensure your home, belongings, and personal liability are fully protected.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Above-average property claims satisfaction rating with J.D. Power
Extended and guaranteed replacement cost for your home
Shave $50 off your deductible each year you’re with Farmers
Cons
Below-average scores on J.D. Power’s digital experience survey
FedNat Insurance
![FedNat Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/6mNIhYOIkHMVHoETYWVapm/52419ddec2716b8389cf9e36b95e8a72/fednat.png?w=300&h=118&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
2.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
FedNat Insurance went out of business last year and is no longer writing home insurance policies. Find out what this means if you still have an open claim with FedNat, and explore alternative home insurance companies.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in high-risk states that are often difficult to find coverage in
Cons
Terrible customer service ratings — it received over 5 times the number of complaints of similar-sized insurers in 2021
Poor outlook for the financial stability and future of the company
Florida Peninsula Insurance
![Florida Peninsula Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/4r7Yb5XssaOJB2JfuO4zAS/e9585ff2d9c14d141c984b4a3d993529/florida-peninsula_logo.png?w=800&h=212&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Florida Peninsula Insurance offers extensive home insurance coverage options to Florida homeowners — though it has one of the worst customer service ratings of the companies we reviewed.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Specializes in coverage for Florida homeowners who may not have other options
Wide range of policy add-ons available, including flood, water backup, sinkhole, and equipment breakdown coverage
Cons
Average rates are 10% more expensive than the already-high Florida state average
Received 4 times the number of customer complaints expected for a company of its size in 2021
Underpaid claims by more than 80% for policyholders with homes destroyed by Hurricane Ian
2024 Policygenius award winner
Foremost
![](https://images.ctfassets.net/3uw9cov4u60w/2f619wGpWFuq7H4csLxZCx/9c59f161cf3e92e6ae2dd10f61064a35/Foremost-Insurance-Group-logo.png?w=800&h=266&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.2
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Foremost is a great option for homeowners who’ve been denied coverage by traditional insurance companies. It’s willing to insure high-risk homes that are older, showing obvious signs of wear and tear, have an extensive claims history, and more.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Insures high-risk homes that are older, showing signs of wear and tear, or have a history of claims
Works with homeowners with bad credit
Offers guaranteed and extended replacement cost coverage for your home
Cons
Rates are 27% higher than the national average
Geico
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Geico home insurance is best for homeowners looking to bundle their home insurance policy with their Geico auto insurance policy to score a multi-policy discount.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in all 50 states
Bundling discount to save on home & auto insurance
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Geico places you with
Customer service & claims options vary by company
Grange Insurance
![Grange Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/6jbpwMc93wEQLYnEvy9NJf/b56df7b6f287a6a91385040d2ba2eaec/Grange_4c_logo.jpg?w=800&h=400&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Grange Insurance is best suited for homeowners who prefer to work with a local agent to get a quote — you can't get a home insurance quote online. However, it makes up for it with its mobile app that makes managing your policy and filing claims a breeze.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Rates are 10% cheaper than the national average
Received around 65% fewer complaints than other insurers of its size in 2021
Mobile app makes it easy to manage your policy and file claims
Cons
Only available in 13 states
No option for online quotes
Doesn’t offer flood insurance
The Hanover
![The Hanover Insurance Group logo](https://images.ctfassets.net/3uw9cov4u60w/6AHuKlgOd4pLc9lwu1J2jy/a717dd2216207ef70a351bd5c4780a79/TheHanoverLogo.png?w=998&h=382&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
The Hanover home insurance policies come with a slew of quality coverage add-ons, high customer service marks, and a mobile app to easily manage your policy and file claims.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Offers three tiers of coverage for all types of homes, including a specialized policy for high-value homes
Received 85% fewer complaints in 2021 according to the NAIC complaint index
Mobile app allows you to manage your policy, contact your agent, and report claims on the go
Cons
Rates are nearly 50% higher than the national average
Only available in 27 states and Washington, D.C.
No online quote tool or live-chat feature on its website
The Hartford
![The Hartford & AARP home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2YzY14X2hhmBB3u6AlxJ9e/444ddf9dbd1a9d814d6af9d39ad90cd5/download-1.png?w=318&h=158&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
The Hartford’s partnership with AARP makes it an excellent home insurance option for homeowners who are already AARP members. There are no age restrictions on AARP membership, though their benefits are aimed mainly at people over 50.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
High ratings for financial stability, customer service, and coverage options
Mobile app makes it easy to report and track claims, view digital ID cards, and update your policy
Disappearing deductible program if you go three years without filing a claim
Cons
Must be an AARP member to purchase a policy
Rates are 27% higher than the national average
Not available in all 50 states
2024 Policygenius award winner
Hippo
![Hippo home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/485jCQo1idtyRWy7jGv0d0/202d6832e205bfab8a2317f9b4450bc3/Hippo.jpg?w=698&h=301&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Hippo home insurance is a great option for homeowners willing to install smart home monitoring kits that detect everything from break-ins to water leaks in order to keep rates low.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates
Several tech-friendly discounts and incentives
Complimentary home maintenance service
Cons
Not able to file claims online
Lack of industry reputation
Tech-forward approach may not appeal to everybody
Homeowners Choice
![Homeowners Choice logo](https://images.ctfassets.net/3uw9cov4u60w/IE4W2KwdZFg8DdNN12RlA/d2d6ea3bd15e9b93debf5426dd5b4cb1/homeowners_choice_logo.png?w=792&h=225&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Homeowners Choice insurance is best for Florida homeowners who are looking to purchase both home and private flood insurance coverage. It’s one of few insurers willing to write policies in The Sunshine State.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Specializes in coverage for Florida homeowners in high-risk areas
Offers private flood insurance coverage
Earns an A (Exceptional) score with financial strength rating company Demotech
Cons
Receives nearly 6 times the number of complaints than other insurers of its size
Can’t bundle home and auto insurance
Website provides very little information and transparency about coverages it offers
Homesite
![](https://images.ctfassets.net/3uw9cov4u60w/4o4F8AWmWbn6Ydo1mHNT7a/7c646d87c9af7985807a0d6d5893ab75/Homesite-Logo.png?w=700&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Homesite home insurance comes with affordable rates that are 25% lower than the national average — plus you can choose from 15 policy add-ons to ensure your home is fully protected.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates nearly 25% cheaper than the national average
15 policy add-ons for extra protection, including extended replacement cost coverage
Offers flood and earthquake insurance, plus complimentary wildfire protection and mitigation services
Cons
Low score in J.D. Power’s claims satisfaction study
Kemper
![Kemper logo](https://images.ctfassets.net/3uw9cov4u60w/1d8EfC1Sbx5y52tDKJXAJg/581aae34c356d3135a73cca78beeae9f/Kemper.jpg?w=703&h=196&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Kemper home insurance is ideal for homeowners looking for cheap insurance that doesn’t fall flat on customer service. Its average rates are nearly $1,000 below the national average, and it receives 50% fewer complaints than other companies of its size.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheap rates nearly $1,000 below the national average
Offers three levels of coverage to tailor your policy to your needs and budget
50% fewer customer complaints than other insurers of its size
Cons
Only available in 18 states
Website lacks detailed policy information and it doesn't offer a mobile app
Only offers 4 discounts
Kin
![Kin insurance logo](https://images.ctfassets.net/3uw9cov4u60w/g6DXNR1Ea8mBFt2ME6r05/aabca8b4a89c3cfb7d7f153e25a7c0ad/Kin_logo.png?w=800&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Kin homeowners insurance is ideal for homeowners in California, Florida, Louisiana, and South Carolina who aren’t afraid to work with a company based solely online.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in Alabama, Arizona, Florida, Louisiana, Mississippi, and South Carolina — states at high risk of weather-related damage and often difficult to find coverage in
Claims to save homeowners an average of $730 when they switch to Kin
Offer private flood insurance endorsement — rare among other insurance companies
Cons
No local agents to meet with in person
Can’t bundle your home and auto insurance
Lemonade
![Lemonade home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/OpflX12QEGsBeQPgBFbRO/77cae3931ced0746098bb308332ef2ec/Logo_of_Lemonade__Inc.svg.png?w=2560&h=585&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Lemonade uses technology to make purchasing homeowners insurance through its app fast and painless, while still receiving high scores for customer service.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Its app offers quick, easy service — whether you’re purchasing a policy, making a claim, or paying your premium
Donates any unused portion of your premium — after paying fees and claims — to a charity of your choice through its Lemonade Giveback program
Earns a perfect 5-star customer experience rating thanks to the minimal number of complaints it received in 2021
Cons
Only available in 22 states and Washington, D.C.
Doesn’t have financial stability rating from A.M. Best like older, larger companies
Doesn't offer in-person customer service
Liberty Mutual
![Liberty Mutual home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2BRYxu6wbngmGdFSGmkR6p/c8e26cf8a0f86ce7fd5515e166463eb3/liberty_mutual.jpg?w=947&h=497&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Liberty Mutual is a good option for homeowners nationwide who are looking for a robust lineup of policy add-ons, including guaranteed replacement cost coverage, water backup protection, inflation guard coverage, and flood insurance through the NFIP.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
10+ discounts available to lower rates
Offers water backup coverage, inflation protection, and flood insurance
Available in all 50 states and Washington, D.C.
Cons
Below-average scores in J.D. Power’s overall customer satisfaction and digital experience surveys
3 times more complaints than other similar-sized insurance companies
MAPFRE Insurance
![MAPFRE Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/hKWnYIb9cNgsK2jFky5e5/c71dcce16e85f2758b63db44664a0777/MAPFRE.png?w=800&h=83&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.8
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
MAPFRE Insurance boasts a wide range of home insurance coverage add-ons, fewer customer complaints than other insurers, and affordable rates in the 13 states it writes policies in.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Average annual rates are nearly $800 cheaper than the national average
Policy perks include cash-settlement option if your home is completely destroyed in a covered loss and you decide not to rebuild, plus a deductible waiver for claims over $50,000
Special home restoration program that pays the full cost to restore your historical home using authentic materials — regardless of your policy limits
Cons
Only available in 13 states throughout the Northeast and West Coast
Only offers four discounts to save on costs — fewer than other home insurance companies
Mercury
![Mercury home and auto insurance logo](https://images.ctfassets.net/3uw9cov4u60w/1wjOCm3o97SoYWrQ6fykPT/1bd5a20420ebf668dd8b595d5e243da2/Mercury.jpg?w=702&h=218&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.1
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Mercury home insurance has an impressive array of coverage options, bundling discounts, and is one of the top-rated companies for web and mobile experience, making it a solid option for homeowners in the 10 states where it’s available.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Lower than average rates
Optional equipment breakdown, service line, and water backup coverage
No minimum dwelling coverage limit requirements
Cons
Strict roof underwriting restrictions
Higher-than-average number of customer complaints
Only available in 10 states
Mutual of Enumclaw
![Mutual of Enumclaw logo](https://images.ctfassets.net/3uw9cov4u60w/2o1MpuYdiTcavngBofgC73/33851a9d2fdbbef78e6da55b3b28719e/MutualOfEnumclawLogo.png?w=700&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Mutual of Enumclaw offers low prices, high customer service ratings, and invaluable wildfire coverage in every home insurance policy.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Wildfire insurance and private firefighter services included in all policies at no extra cost
Prices are $1,200 below the national average
Offers an app for paying bills, reporting claims, and viewing your policy
Cons
Only available in Washington, Oregon, Idaho, Utah, Arizona, Montana, and Wyoming
No online quote option
Narragansett Bay
![Narragansett Bay home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/4svElbxYMtRTKeOBvPJQlF/60b82b361bd466b4d9d6658fdee6c5e1/NarragansettBayLogo.png?w=514&h=98&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Narragansett Bay offers exceptional coverage at an affordable price in eight New England and Mid-Atlantic states.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates 20% below the national average
Exceptional customer service scores — it received 99% fewer complaints expected for a company of its size in 2021
Offers in-person home reviews to ensure you have the right amount of coverage and to identify areas of your home vulnerable to damage or safety threats
Cons
Only available in 8 states throughout New England and the Mid-Atlantic
Can’t bundle your home and auto insurance
National General
![National General logo](https://images.ctfassets.net/3uw9cov4u60w/3XosoVMMcV4HnXHSJjYvgu/60ce5e62723d8ea6666618cdf6e72bd0/NationalGeneralLogo.jpg?w=800&h=257&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
National General home insurance is the ideal mix of low prices, reliable customer service, and plenty of coverage options to suit the needs of many types of homeowners.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates nearly 50% cheaper than the national average
Offers both private flood insurance and coverage through the National Flood Insurance Program
Received 70% fewer complaints than other insurers of its size in 2021
Cons
Doesn’t offer coverage for mobile or manufactured homes
2024 Policygenius award winner
Nationwide
![Nationwide logo](https://images.ctfassets.net/3uw9cov4u60w/2x668y7XVV29HZquSrNUGO/b63d76f11bdf72dc696a9f13f28cd789/Nationwide.jpg?w=697&h=281&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Nationwide stands out for its multiple extended dwelling coverage options and high claims satisfaction ratings, making it a choice insurance option for homeowners in states prone to hurricanes or wildfires.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Multiple high-quality coverage options
Highly rated for claims satisfaction with J.D. Power
Available in most states
Cons
Below-average customer satisfaction and digital experience ratings
Won’t cover Airbnbs or other short-term rentals
NJM Insurance
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
NJM Insurance offers a slew of home insurance coverage add-ons to customize your policy while keeping customer service high and prices low.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheap rates and 9 discounts to save even more, including ones for being a non-smoker and owning a backup generator
Excellent NAIC score for customer service — received 100% fewer complaints than other insurers of its size in 2021
Offers a variety of lesser-seen endorsements, such as earthquake, flood, and assisted living care coverage
Cons
Only available in five states — Connecticut, Maryland, New Jersey, Pennsylvania, and Ohio
Doesn’t offer mobile app or customer service via online chat
2024 Policygenius award winner
NYCM Insurance
![NYCM Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/KSzGE64pluJJUCU9brIkh/cb37afedf9f3f8bf9ab7c8e2e77dbe6c/NYCM_Logo_166_431C.jpg?w=800&h=189&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
NYCM Insurance packs a punch with better service and more coverage options than the average home insurance policy at half the price.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Average annual rates are $500 cheaper than the state average
Earns 5-star ratings for customer service, financial stability, and coverage options
Valuable policy add-ons, including NFIP and excess flood insurance, water backup protection, equipment breakdown coverage, and more
Cons
Only available in New York
No online quotes — must contact a local NYCM agent
2024 Policygenius award winner
Openly
![Openly logo](https://images.ctfassets.net/3uw9cov4u60w/4YeN9dkRRN27awXKeKL4xT/e2f028fd876cd4350dd8d591c409c581/OpenlyLogo_____small.jpg?w=700&h=268&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Openly insurance is ideal for homeowners with high-value homes up to $5 million who are looking for a policy they can customize to fit their unique needs, though it’s only available in 21 states.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Offers up to $5 million in coverage for high-value homes
Robust lineup of policy add-ons with high limits to customize coverage to fit your needs
No restrictions on pools without fences or dangerous dog breeds
Cons
Only available in 21 states
Fewer home insurance discounts than competitors
Not included in J.D. Power’s customer satisfaction studies
Orchid Insurance
![Orchid Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/574dGKDHdRJIi5hu6SVWj7/24a9b8f5278392889ba6287a80ff7b71/OI_Logo_ThreeColorJPG.jpg?w=800&h=331&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Orchid Insurance is best for high-value homes and those at risk of severe weather damage all across the country.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Specializes in coverage for both high-risk and high-value homes — including 5-star policy add-ons, such as flood, earthquake, and wind-only coverage
Only partners with home insurance companies rated A- or higher with A.M. Best
Available in all 50 states — including areas at high risk of storm damage
Cons
Not a direct insurance carrier — this means cost, customer service, and claims options varies depending on the company you’re placed with
Doesn’t cover mobile or manufactured homes
Website is geared toward agents and lacks coverage & discount information for homeowners
Pacific Specialty
![Pacific Specialty logo](https://images.ctfassets.net/3uw9cov4u60w/2riWkX5J7AQqFfdO4xiNr1/fadba39f1a21eac55850dd7bfb271dd2/Pacific-Specialty.png?w=800&h=357&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pacific Specialty home insurance comes with a slew of valuable policy add-ons to customize coverage that fits your unique needs.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates that are $800 cheaper than the national average — plus a slew of discounts to cut down costs even more
Offers a slew of valuable coverage add-ons, including NFIP, private, and excess flood insurance; mortgage payment protection; water backup and equipment breakdown coverage; and more
Available in all 50 states and Washington, D.C.
Cons
No online quote tool, mobile app, or online claim filing
Can’t make policy changes online — must contact your local agent
Plymouth Rock
![Plymouth Rock logo](https://images.ctfassets.net/3uw9cov4u60w/4ITXJgTDCj7nyzg5zx7GCF/6c50de97d8a30640a9360d59fd2f5346/PlymouthRockLogo.png?w=700&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Plymouth Rock is ideal for homeowners in the Northeast looking for cheap rates that are 60% below the national average, as well as lots of coverage add-ons.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheap rates that are around 60% lower than the national average
Guaranteed replacement cost coverage for your home available
Offer private flood insurance with up to $2 million in coverage through its partnership with Neptune Flood
Cons
Doesn’t offer replacement value coverage for your personal belongings
Only available in six states throughout the Northeast
Progressive
![](https://images.ctfassets.net/3uw9cov4u60w/2hLOubd2LEieOegnJ7fXDo/d4b21966d733432ed391749cc812a20b/progressive-600x340.png?w=814&h=234&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
As an insurance broker, We recommend Progressive home insurance if you’re looking to purchase home and auto insurance at the same time to score a multi-policy discount. Otherwise, you’re likely better off working with an insurance carrier directly.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in all states except Alaska and Hawaii
Slew of policy and discount options available
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Progressive places you with
Customer service & claims options vary by company
PURE Insurance
![PURE Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/7fLO52Y43gp8FrpPiVrYYz/90e720fc426e5b4e4f78ae1a170e1045/PURE.png?w=800&h=282&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
PURE Insurance offers extensive home insurance coverage, high limits, and specialized services to high-net worth individuals looking to protect their luxury lifestyle.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Earns a perfect 5-star rating in every category in our analysis: price, customer experience, coverage options, and financial strength
Offers complimentary risk assessment program to all policyholders, as well as wildfire and hurricane mitigation services to homeowners in high-risk areas
Additional policy add-ons include private flood insurance, increased coverage limits for high-value items, and a cash-out settlement option
Cons
Only insures homes valued at $1 million or more
QBE Insurance
![QBE Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/3EAzdgXh0UwMbrfOpbBHTo/d0969abf76e07d2656fdd74d048c3b1b/QBE-Insurance_copy.png?w=800&h=418&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
QBE Insurance earns high marks for its strong financial stability ratings and decent customer experience score, but it’s not transparent about costs, coverages, or discounts available.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in all 50 states and Washington, D.C.
Strong financial strength rating with A.M. Best and established company history
Offers flood insurance through the National Flood Insurance Program
Cons
Limited information about discounts and coverage options available on its website
No online quote tool and difficult-to-navigate website
Safeco
![Safeco Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/2rsQIhHF97sWp08OLS6Tq7/2a275b04a53e705baa1dd302db693de7/Safeco.jpg?w=697&h=178&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Safeco home insurance could be a good pick for homeowners looking to bundle their home and auto insurance policies with one company, as it offers both a multi-policy discount and single-deductible claims if your car and home are damaged in the same event.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates — 15% below the national average
Extended replacement cost coverage for your home available
Only pay one deductible if your home and car are damaged in the same event when you bundle policies with Safeco
Cons
Not available in Alaska, Delaware, Florida, or Hawaii
Doesn’t offer water backup coverage or flood insurance
Below-average score in J.D. Power’s overall customer satisfaction study
Safety Insurance
![Safety Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/1HNmh5jSmPURy0UIfHmHVn/26dfb690b142f9c4523aeef756d940c1/SafetyInsuranceLogo.png?w=471&h=106&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Safety Insurance offers affordable, robust home insurance with excellent customer service and financial stability ratings to homeowners in Maine, Massachusetts, and New Hampshire.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheap rates are 50% below the national average
Excellent coverage add-ons, including water backup, service line, equipment breakdown, and ordinance or law
Received 90% fewer customer complaints than expected for a company of its size in 2021
Cons
Only available in Maine, Massachusetts, and New Hampshire
Doesn’t offer flood insurance — a valuable coverage for New England homeowners
SageSure
![SageSure home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/5TBW9HSO2fEsnzjKiRHgQl/f64d0e7bad900ce8a0c32e4813a2c8d6/SageSureLogo_copy.png?w=486&h=151&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Offering separate coverage for flood and wind damage, SageSure home insurance is a great option for coastal homes that need extra protection from severe weather.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Insures homes in high-risk areas other insurance companies won’t touch
Specializes in coverage related to storm damage, including flood and windstorm protection
Its reinsurance policies offer customers added assurance that claims will be paid if disaster strikes
Cons
Can’t get an online quote — must reach out to a SageSure agent
Only available in 14 states throughout the South and Northeast
Shelter Insurance
![Shelter Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/5ZDZ3Cekqt7VXCyuCDhv4S/46a461b4b3cb85ef9563e29e39473b56/ShelterInsuranceLogo.png?w=800&h=391&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Shelter Insurance specializes in home insurance coverage for homeowners in states at high risk of earthquake, wildfire, winter storm, and tornado damage.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Earns a 5-star rating for its customer service and coverage options
Offers both private flood insurance and government-backed coverage through the National Flood Insurance Program
Mobile app makes it easy to manage your policy, make payments, and file claims from the palm of your hand
Cons
Rates are around $900 more expensive than the national average
Only available in 15 states throughout the Midwest and South
Slide Insurance
![Slide Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/qznsVZO1p3tE4LPU8nGeV/684e5992615d59356db55a2d4c76bbbc/SlideInsuranceLogo.png?w=800&h=251&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
As other home insurance companies are leaving Florida or going out of business altogether, Slide Insurance has been purchasing renewal rights and selling new home insurance policies.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Offers coverage to Florida homeowners who may not have other options
Earns A (Exceptional) rating from Demotech for its financial strength and stability
Cons
Still too new to gauge customer service around claims and policy management
Website lacks detailed information about all of its coverage and discount options available
Doesn’t offer a mobile app, access to an online account, or online quotes
State Auto
![State Auto logo](https://images.ctfassets.net/3uw9cov4u60w/3S4UEC6Bt3zScp51fbqTkR/5b2aacde287ed0023a1c29cb84b98328/StateAutoLogo.png?w=700&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
State Auto home insurance is best for homeowners looking to find some of the lowest rates in the industry without compromising on coverage. It has the cheapest cost of all of the companies we reviewed, with an average rate of $857 per year.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Cheapest overall rates of the companies we reviewed
Extended replacement cost coverage of up to 25%
15+ coverage add-ons for enhanced protection
Cons
Doesn’t offer guaranteed replacement cost coverage
Doesn’t offer flood insurance
Only available in 28 states
2024 Policygenius award winner
State Farm
![State Farm logo](https://images.ctfassets.net/3uw9cov4u60w/2xseYU7XlvUK9PovSVHlRt/f19914fd74103ddc71b73caf095408c1/State-Farm-Logo.png?w=768&h=432&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.8
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
State Farm home insurance scores a near-perfect score thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Save up to $1,127 per year when you bundle your home and auto insurance
Excellent line-up of policy add-ons, including extended replacement cost coverage
Cons
No longer sells home insurance policies in California
20% more complaints filed with the NAIC than other companies of its size
2024 Policygenius award winner
Stillwater
![Stillwater Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/6xEDP5S6cSi9IBywyL6xXX/4691dcd2268f165dc9e8f1f212cf013c/Stillwater.jpg?w=696&h=192&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Stillwater is a great option if you’re looking for low rates, a ton of discount opportunities, and lots of coverage add-ons. It’s also willing to work with homeowners who’ve had a lapse in coverage — rare to find in the insurance industry.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Insures homes that had a lapse in insurance coverage
Rates lower than the national average, plus 15 discounts to save even more
Offers a slew of coverage add-ons
Cons
Doesn’t have as strong financial strength rating as other insurers
Wasn’t included in J.D. Power’s 2022 customer satisfaction surveys
Not available in Louisiana
Swyfft
![Swyfft home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/oSfRtCQbY7Bi5PVKaeTnx/d9037078b5fe9095bda5b5313517f548/SwyfftLogo_____smalll.jpg?w=700&h=266&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Swyfft homeowners insurance is best for convenience, potentially low premiums, and those who don’t mind taking their chances on what is a relatively untested insurance company.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Offers up to $100,000 in blanket personal valuables coverage
Other than liability claims, prior losses don’t count against you
Optional sinkhole coverage
Cons
High number of customer complaints
Lack of industry reputation
Only available in 5 states
Tower Hill
![](https://images.ctfassets.net/3uw9cov4u60w/2CUnpl9mD93WajvhXipwFg/f0dd64e5bb81c256063edc3c772f51e1/tower-hill-logo-home.png?w=324&h=151&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
B
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Tower Hill home insurance offers cheap rates and lots of coverage add-ons, including a rare private flood insurance endorsement with up to $5 million in protection.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Private flood insurance endorsement with up to $5 million in coverage
Cheap rates that are 50% lower than the national average
20+ coverages and policy add-ons available
Cons
AM Best rating downgraded to B (fair) in Oct. 2022
Averaged 5 times more complaints than similar insurance companies in 2021
Only available in 21 states
2024 Policygenius award winner
Travelers
![Travelers home insurance logo](https://images.ctfassets.net/3uw9cov4u60w/1jUKPq26LnVpxaQrHa5X94/bddd7e25499c698064e25530a5ad59e8/Travelers.jpg?w=695&h=200&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Travelers is one of the oldest and most trusted home insurance providers in the business thanks to its industry-best financial ratings, flexible policy options for most home types and budgets, and availability in nearly every U.S. state.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Green home coverage and discounts
Offers short-term rental coverage for Airbnb hosts
Doesn’t require prior insurance on the home
Cons
Subpar customer service ratings with J.D. Power
Underwhelming number of available discounts
UPC Insurance
![UPC Insurance logo](https://images.ctfassets.net/3uw9cov4u60w/6SMSMnRbXiRoXaaaDi21KS/88b56d67b357136b01464e2efd2be19f/UPC-Insurance.png?w=375&h=135&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
NA
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
UPC Insurance is no longer writing home insurance policies. Find out why it’s not renewing any policies in 2023 — and what this means if you currently have coverage with the insurer.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Available in high-risk states that are often difficult to find coverage in
Cons
Terrible customer service ratings — it received over 10 times the number of complaints of similar-sized insurers in 2021
Poor outlook for the financial stability and future of the company
2024 Policygenius award winner
USAA
![USAA logo](https://images.ctfassets.net/3uw9cov4u60w/2egiUIRiAUFJv6ThnA7zFY/01567b2fc122befe94759c8836798a43/usaa-logo.png?w=700&h=400&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
USAA is the best home insurance option on the market for active duty military members, veterans, and their families, consistently scoring the best in J.D. Power’s customer and claims satisfaction studies.
Pros and cons![chevron icon](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTIiIGhlaWdodD0iNiIgdmlld0JveD0iMCAwIDEyIDYiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CiAgPHBhdGggZmlsbD0iIzM4MzgzOCIgZD0iTTEyIDEuMTQgNiA2IDAgMS4xNCAxLjQwNiAwIDYgMy43MjIgMTAuNTk0IDB6Ii8+Cjwvc3ZnPg==)
Pros
Affordable rates
Over a dozen additional coverage options
Industry-best customer service and claims satisfaction ratings
Cons
Limited to people affiliated with the U.S. military
Our home insurance company ratings methodology
We don’t get paid for our company reviews and use a weighted rubric to determine each company’s rating based on four key areas: price, customer experience, coverage options, and financial strength.
Our unbiased research includes analyzing average home insurance premiums in 2022 from Quadrant Information Services; financial strength ratings from AM Best, Moody’s, and S&P; J.D. Power customer experience surveys; the National Association of Insurance Commissioners Complaint Index Report; and discount and coverage options listed on each insurer’s website.
As an insurance marketplace, some of the companies listed above are Policygenius partners who offer coverage through our licensed agents. However, this does not influence how we rate these companies, and you’ll see a disclaimer on any reviews for our partner carriers.
Learn more >> How we rate homeowners insurance companies