Home Insurance Providers - Home Insurance (2023)

There are many home insurance providers to choose from. Providers come in lots of sizes and offer different options. Some carriers are only available in certain parts of the United States. To help you determine which to use, get to know what providers are available.

Which are the biggest home insurance carriers out there?

Large, national insurers offer a few advantages over regional carriers:

  • Accessible: Many national companies write policies in every state, which gives you the option to stick with the same insurance provider if you move.
  • Discount programs: Large companies often offer the best discount programs. National insurance companies feature all types of discounts for association members, military members and retirees, as well as rate reductions for homes equipped with safety and security devices such as fire alarms and security systems.
  • Financial security: Large carriers have more assets, ensuring that they can meet their obligation to pay claims.
  • Product options:Typically, national insurance companies have a broader spectrum of financial products. For example, USAA sells insurance policies to cover cars, dwellings and recreational equipment such as boats and motorcycles. It also offers checking and savings accounts, credit cards, home mortgages and retirement plans. Because many homeowners need several types of insurance, choosing a carrier that meets all their needs can make it easier to manage their finances.
  • Technology trends: Large insurance companies keep up with technological trends, which simplifies the insurance process for policyholders. Many national carriers offer online quotes on their websites and have mobile apps, which enable you to access policy information, contact your agent, file or track a claim and pay your insurance bill from a smartphone or tablet.

Consumer research company J.D. Power produces an annual survey of home insurance companies. Based on rating factors such as billing, claims handling, customer service, policy offerings and overall customer satisfaction, Power ranks the top homeowners insurance companies. In its 2019 U.S. Home Insurance Study, the best large insurers included:

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  • Auto Club of Southern California Insurance Group (AAA)
  • Amica Mutual
  • USAA


  • J.D. Power ranking: #3
  • Better Business Bureau rating: A+
  • AM. Best rating: Not rated

AAA home insurance ranked third in the Power study, with four out of five stars for overall customer satisfaction and five stars for policy offerings and price. AAA’s standard homeowners policies include additional living expenses, detached structures, dwelling, medical payments to others, personal liability and personal property coverages. All AAA home policies are customizable, enabling you to purchase additional coverage for expensive items such as jewelry or musical instruments.

Policyholders also have the option to purchase a AAA Smart Home security system, with monitoring starting at $19.99 per month for AAA members. AAA members enjoy discounts on automobile maintenance, dining, entertainment, shopping and travel. Members who purchase AAA auto policies can also earn a reduced rate on home insurance. AAA offers home insurance through subsidiary and affiliate insurance companies in all states except Louisiana and New York.

Amica Mutual

Amica Mutual writes policies in all 50 states and the District of Columbia. Amica’s standard homeowners policies include additional living expenses, dwelling, detached structures, personal liability and personal property coverages. Amica also gives you the option to purchase additional insurance to cover valuable items such as fine art, catastrophic coverage to cover earthquake and flood damage, home business coverage to pay for business equipment and identity fraud coverage to help cover the expenses of restoring your identity.

Amica’s Platinum Choice Home policies include many of the add-on options, including replacement cost coverage, water backup coverage and additional coverage for computers, phones and TVs. The nationwide carrier also gives you several ways to reduce your rate, including autopay, claims-free, electronic billing, loyalty and multi-policy discounts.

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USAA scored five out of five stars in all J.D. Power rating categories. However, USAA only offers insurance to military members and their families, so it doesn’t qualify for ranking in the Power study. However, if you qualify for USAA coverage, you can expect a home policy packed with benefits. USAA’s standard home insurance policies include additional living expenses, detached structures, dwelling, personal liability and personal property coverage. USAA also includes earthquake coverage and home sharing coverage, which most companies only offer as an addon.

USAA gives policyholders several options to reduce their rates, including bundling and claims-free discounts. You can also earn a discount by installing an ADT home security system or by raising your deductible. USAA writes policies in all states, the District of Columbia, Guam and the U.S. Virgin Islands.

Which are the smaller home insurance carriers?

Small carriers often offer benefits that national insurers can’t compete with.

  • Customized for the area: Small, regional insurance companies have a better understanding of their customers’ needs and the risks they face. For instance, a regional Midwest insurance company has experience dealing with the aftermath of tornadoes and windstorms.
  • Niche options: Some small insurance carriers specialize in covering hard to insure properties. For example, UPC Insurance sells homeowners policies in just 12 states, most along the East and Gulf Coasts, which often experience hurricanes and tropical storms.
  • Personal service: Regional insurance companies often provide more personal service. Having a dedicated agent, whom you can call or visit, can make buying insurance and filing claims quicker and easier.

Smaller companies that ranked highly on the J.D. Power 2019 U.S. Home Insurance Study included:

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  • Auto-Owners Insurance
  • Country Financial
  • Erie Insurance

Auto-Owners Insurance

Auto-Owners sells insurance through independent agents in 31 states in the Midwest, Pacific Northwest, Southeast, Southwest and Western regions. Ranked fifth in the J.D. Power study, Auto-Owners offers business, auto, home and life insurance products. Standard home policies include additional living expenses, detached structures, dwelling, medical payments to others, personal liability and personal property coverages.

Auto-Owners provides some standard optional addons such as guaranteed home replacement cost, identity theft, special personal property and water backup coverages. But the carrier also offers a few unique coverages that address common home perils. Homeowners plus coverage pays for food spoilage caused by power outages and equipment breakdown coverage helps to replace defective equipment such as air conditioners and heating units. Auto-owners stands out in the crowd with 11 ways to reduce your premium, including, automatic backup generator, mortgage-free, paperless billing and protective devices discounts.

Country Financial

This Company writes insurance policies in 19 states throughout the country. The small insurance provider ranked seventh on the Power survey, with a three-star overall satisfaction rating. Country’s standard home policies include dwelling, medical payments to others, personal liability and personal property coverages. But it gives customers four options for dwelling replacement cost coverage, including a no-limit option in some states. Country policyholders can also set liability limits up to $1 million and medical payments up to $25,000.

Customers can choose from standard add ons such as earthquake, flood and identity insurance, along with water backup coverage up to $25,000 or more. You may qualify for a discount if you purchase additional Country policies and earn a rate reduction if you install an alarm system or replace your home’s roof or wiring.

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Erie Insurance

Erie ranked second in the Power study, with a five-star rating in overall customer satisfaction. The carrier employs 5,000 people and sells insurance products through 12,000 independent agents, primarily in East Coast and Midwest states. Erie’s standard policies cover all the bases, with additional living expenses, dwelling, personal liability and personal property coverages. But Erie goes a step further by featuring dwelling replacement cost coverage in all its standard policies.

Policyholders also have the option to add identity recovery and water backup coverage, along with service line protection to cover damage to utility lines. Erie’s discount programs also pull ahead of the pack. You can earn a discount for installing safety devices and security systems and save 16% to 20% for purchasing multiple Erie policies.

What are unique values to look for when looking for when choosing a company?

Home insurance doesn’t come in one-size-fits-all packages, so it’s important to find a company that can fit your specific needs. Here are some tips.

  • Search for a company that covers all your property’s structures. For example, if you own a rural home, you might need a policy that covers detached structures such as fences or a barn. Likewise, if you have a swimming pool, make sure the insurer you choose can cover it, along with water damage the pool may cause to your home.
  • Look for a company that offers flexible, customizable policies. Standard policies often do not offer all the coverage you need, so look for an insurer that allows you to increase certain types of coverage. For instance, you may need to increase your liability coverage if you have tall trees in your yard, which could fall and damage your neighbor’s house. Or, you might need a separate policy or an endorsement to your personal property coverage to pay for expensive items such as jewelry or a coin collection.
  • Consider your current and future needs when searching for home insurance. Many folks prefer one-stop-shopping, even when purchasing insurance. Today, you may only need a homeowners policy, but if you plan to have kids or open a small business, you’ll probably want other types of coverage in the future. Finding a single insurer that can cover your business, car, home and life can simplify your life.
  • Shop for the lowest rate, but also consider the quality of coverage and a company’s service. Use the resources provided by the Better Business Bureau, J.D. Power and financial rating companies to help narrow your search. Read reviews of insurance companies, along with complaints, paying close attention to the way a company handles claims and billing.

While large providers aren’t necessarily better than small providers, different companies provide different advantages. Consider these things to help you decide what kind of provider you would feel most comfortable with.

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Who is best home insurer in UK? ›

Best Home Insurance Companies in the UK 2022
  1. Admiral. Family legal protection. ...
  2. Alan Boswell. 'All risk' coverage. ...
  3. Homeprotect. New-for-old cover. ...
  4. The AA. 24/7 legal helpline. ...
  5. MoreThan. Up to £200 home emergency assistance. ...
  6. Swinton. Cover for high-value properties (over £500,000) ...
  7. John Lewis Finance. ...
  8. Aviva.

What company has the cheapest homeowners insurance? ›

Our Cheapest Homeowners Insurance Companies of 2022
  • #1 State Farm.
  • #2 Nationwide.
  • #3 Farmers Insurance.
  • #4 American Family. #5 Amica.
30 Aug 2022

Which home insurance company has best customer service? ›

USAA is consistently ranked highest across customer reviews and third-party organizations. Its low rates, top marks for customer satisfaction and large market share solidify USAA's top spot.

What insurance is recommended when buying a house? ›

Buildings insurance: To cover the rebuild costs if something happens to your home. Life insurance: To cover the cost of paying off your mortgage, if you die before it is paid off. Critical illness cover: To help cover the cost of paying off your mortgage if you get diagnosed with a life-changing condition.

What is the average home insurance cost UK? ›

On average, a typical UK home is worth around £230,000 and contains some £35,000 worth of goods – which is what makes home insurance so important. The average cost of it isn't huge (between £146 and £152 per year) but the cost of not having it can be disastrous.

What is the most trusted insurance company? ›

  • USAA. 4.3. U.S. News Rating. USAA is the best insurance company in our ratings. ...
  • State Farm. 4.2. U.S. News Rating. ...
  • Farmers. 4.1. U.S. News Rating. ...
  • Nationwide. 4.1. U.S. News Rating. ...
  • Geico. 4.1. U.S. News Rating. ...
  • Allstate. 4.0. U.S. News Rating. ...
  • Travelers. 4.0. U.S. News Rating. ...
  • Progressive. 3.9. U.S. News Rating.
4 days ago

What are 5 ways to reduce homeowners insurance costs? ›

  • Shop around.
  • Raise your deductible.
  • Don't confuse what you paid for your house with rebuilding costs.
  • Buy your home and auto policies from the same insurer.
  • Make your home more disaster resistant.
  • Improve your home security.
  • Seek out other discounts.
  • Maintain a good credit record.

How much does most homeowners insurance cost? ›

The average cost of homeowners insurance throughout the United States is $1,383 per year for a policy with $250,000 in dwelling coverage. However, your actual rates may vary depending on a variety of factors.

Can you negotiate home insurance rates? ›

You cannot negotiate your homeowners insurance quote, but you can lower the amount you pay by taking a variety of steps—maintaining a good credit score, paying in full, installing protective devices, researching discounts, and more.

Who is the top five insurance company? ›

State Farm is the number one auto insurer in the U.S., followed by Geico, Progressive, Allstate and USAA. State Farm has a market share of 16% for car insurance, and the company sells policies online as well as through agents across the country.

What are the three types of homeowners insurance? ›

Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value. Policy rates are largely determined by the insurer's risk that you'll file a claim; they assess this risk based on past claim history associated with the home, the neighborhood, and the home's condition.

How do I know if my insurance agent is good? ›

The most important quality that makes a good insurance agent or broker is commitment. It is imperative that the insurance agent is committed and in it for the long haul. Indeed, it can be a frustrating episode if it is different persons serving you when you sign your policies and when you make claims.

Should I shop around for house insurance? ›

You should also shop your homeowner insurance every year or two. While that's totally counterproductive, and there is equity in a customer keeping the same carrier for many years, you may find your carrier wants to keep a good customer and will reward him or her with a lower rate.

What makes a house high risk for insurance? ›

A home may be considered high risk for several reasons. The location could make it high risk, especially if the area has high crime rates or higher-than-average homeowners claims because of weather. A high-risk home could also be a vacation rental or a second home you don't live in year-round.

What should I look for when buying insurance? ›

7 tips to find the right insurance coverage
  • Shop around. ...
  • Only buy insurance to maintain your existing standard of living. ...
  • Ask your insurance provider what the policy doesn't cover. ...
  • Consider bundling several policies with one insurance carrier. ...
  • Review your insurance needs on a yearly basis. ...
  • Don't defer payments.

Why has house insurance gone up so much in 2022? ›

Why are property insurance premiums increasing? In recent months there's been increasing inflationary pressure on the economy. According to the Consumer Prices Index, inflation rose by 8.8% in the 12 months to July 2022.

How much is insurance for a 3 bedroom house? ›

The average cost of combined buildings and contents insurance policies by number of bedrooms purchased through Gocompare between January-March 2021. Our research shows that the average cost of a combined buildings and contents insurance policy for a three-bedroom home is £156.

Why has my home insurance gone up so much? ›

Increasing number of claims

And insurers tell us the market is hardening, which means that not only premiums are increasing but also some insurers are less willing to take on some risks. They can see that both the frequency and size of claims has been increasing.

What is the most popular insurance plan? ›

Preferred provider organization (PPO) plans

The preferred provider organization (PPO) plan is the most common insurance coverage plan offered by employers.

Who is the number 1 insurance company in the world? ›

Ping An Insurance Group

What insurance sells the most? ›

According to a 2021 NAIC report, Northwestern Mutual, New York Life, Metropolitan, and Prudential are the four largest life insurance companies in the United States, all together holding 31.09% of the market.

What is the best deductible for homeowners insurance? ›

It's generally a good idea to select a homeowners insurance deductible of at least $1,000. While this means that you'd have to pay $1,000 to file a claim, having a higher homeowners insurance deductible reduces your rates — often by a significant amount.

Does your credit score affect your homeowners insurance? ›

If you have a good credit score, your insurer may view you as a “low-risk insured” and offer you cheaper rates. Conversely, if your credit score is bad, you're viewed as riskier to insure and therefore you'll generally pay higher homeowners insurance premiums.

Does my age affect home insurance? ›

While age often impacts car insurance rates, your age shouldn't affect your home insurance. One exception: some insurance providers may offer discounts for senior citizens. Personal factors that hold more influence on your home insurance premium often includes your credit history, claims history, and marital status.

What is the 80% rule in insurance? ›

The 80% rule means that an insurer will only fully cover the cost of damage to a house if the owner has purchased insurance coverage equal to at least 80% of the house's total replacement value.

What are the 3 biggest factors in determining the cost for homeowners insurance? ›

Factors like where you live, your home's replacement cost, and your policy deductible generally affect your home insurance premiums the most.

How much has homeowners insurance increased 2022? ›

Based on S&P data from January 1, 2022 to May 18, 2022, home insurance companies have been approved for rate increases in almost every state, with an average rate increase of 4.48%.

Is homeowners insurance cheaper when house is paid off? ›

No, house insurance isn't any cheaper without a mortgage. Your home still has the same risks as it had while you were paying off your mortgage. You're no longer required to have a policy without a lender, but very few people recommend dropping homeowners insurance after you pay off your mortgage.

What actions can a person take to reduce the cost of home insurance? ›

12 Ways to Lower Your Homeowners Insurance Costs
  • Raise your deductible. ...
  • Insure for replacement cost, not market value. ...
  • Package your home & auto policies together. ...
  • Newer/updated homes may be eligible for discounts. ...
  • Improve your home security. ...
  • Maintain a good credit record. ...
  • Stay with the same insurer.

What are some signs that it's time to find a new insurance company? ›

Here are 5 signs that may indicate you may want to search for a new insurance agent:
  • Your premiums have increased without explanation. ...
  • Your agent hasn't met with you in the past year. ...
  • Your agent is no longer with their agency. ...
  • You've experienced service or claims issues.

What are the big 3 insurance companies? ›

The insurance sector, however, has a few bright spots. Three of the world's 20 largest insurance companies – AXA Group, Chubb, and American International Group (AIG) – moved up the rankings, with AIG registering the biggest improvement, rising from 439th last year to claim the 90th spot in 2022.

What are America's Top 10 2022 insurance? ›

Joining Nationwide in recognition across five categories are Alfa Insurance, Allstate, American Family Insurance, Erie Insurance, Farm Bureau Insurance, Liberty Mutual, Progressive, State Farm and USAA.

What are the four main insurance rating companies? ›

The four major insurance company rating agencies in the U.S. are A.M. Best, Moody's, Standard & Poor's, and Fitch.

What are 2 things not covered in homeowners insurance? ›

Standard homeowners insurance policies typically do not include coverage for valuable jewelry, artwork, other collectibles, identity theft protection, or damage caused by an earthquake or a flood.

Is home insurance and homeowners insurance the same thing? ›

Homeowners insurance, also known as home insurance, is coverage that is required by all mortgage lenders for all borrowers.

What are the 2 types of home insurance? ›

Types of Home Insurance policies in India and what it covers
  • Types of Home Insurance Policies. ...
  • Standard Fire and Special Perils Policy: ...
  • The building or Home Structure Policy: ...
  • Liability Insurance: ...
  • Personal Accident Insurance: ...
  • Burglary & Theft Insurance:

What questions should you ask an insurance agent? ›

Start a conversation: 8 questions to ask your insurance agent.
  • What is my deductible? ...
  • What is my premium? ...
  • What happens if I get in a car accident? ...
  • Does my homeowners insurance policy offer enough protection? ...
  • Is it time for me to consider life insurance? ...
  • Do I have enough liability coverage? ...
  • Do I need an umbrella policy?
6 Jan 2021

Why should I choose insurance agent? ›

They offer one-stop shopping – Independent agents can often meet all of your insurance needs with the companies they represent, providing auto, home, renter's, and business coverage. Many offer life and health insurance as well. They are consultants for a lifetime – Independent agents periodically review your coverage.

Why do so many insurance agents fail? ›

Most agents quit because they can't get enough sales to support themselves and their families. The only way to change that is to learn how to get more leads, better leads, and follow up on them. People go on fact-finding missions online. They don't care who answers their question, as long as they get answers.

What should you not say to homeowners insurance? ›

You should never make statements that could be taken as an admission of guilt. For example, if a tree falls through your window, you should not tell your insurance adjuster you've been worried for a long time that the tree would fall.

Is it OK to switch home insurance companies? ›

Yes. You have the right to switch your homeowners insurance at any time. If you're in the market for a home, you'll want to start shopping for home insurance before you purchase a house. That's because most mortgage lenders require you to buy some type of homeowners coverage before closing.

What is the most important part of homeowners insurance? ›

The most important part of homeowners insurance is the level of coverage. Avoid paying for more than you need. Here are the most common levels of coverage: HO-2 – Broad policy that protects against 16 perils that are named in the policy.

What are 3 things that could make home insurance go up? ›

5 reasons your homeowners insurance rates went up
  • Record-high inflation. ...
  • More extreme natural disasters. ...
  • Your house is older and due for upgrades. ...
  • Your insurance score went down. ...
  • Attractive nuisances. ...
  • Ask about discounts. ...
  • Increase your deductible. ...
  • Re-shop your homeowners insurance.
22 Nov 2022

Why would I be denied homeowners insurance? ›

Why Can't I Get Homeowners Insurance Coverage? The most common reason you've been denied coverage is because they have determined that there is a high-risk element to your application. Insurers try to avoid issuing high-risk policies because those are the policies that will cost them more money in the long run.

What are the 5 most common causes of homeowners insurance losses? ›

The most common causes of home insurance claims, from an analysis of Travelers Insurance policyholders, are wind, nonweather water damage, hail, weather-related water damage and theft. Altogether, these five causes make up 77% of all homeowners insurance claims.

What types of insurance should be purchased when buying a house? ›

5 Types of Insurance Every Homeowner Needs
  • Homeowners insurance. Most lenders will require you to have homeowners insurance, also commonly known as hazard insurance, and often abbreviated as HOI. ...
  • Private mortgage insurance. ...
  • Title insurance. ...
  • Flood insurance. ...
  • Legal insurance.

Which home insurance company has the lowest complaint index? ›

Relative to its size, Chubb also has the fewest customer complaints reported for home insurance based on data from the NAIC. The National Complaint Index from NAIC is a measurement of complaints made against an insurance company.

What should you compare when deciding which company to buy insurance from? ›

Here are the main points to keep in mind when selecting an insurance company:
  • Licensing. Not every company is licensed to operate in each state. ...
  • Price. Many companies sell insurance policies and prices vary greatly from one to another, so it really pays to shop around. ...
  • Financial Solidity. ...
  • Service. ...
  • Comfort.

Who is the number 1 insurance company in the UK? ›

Admiral Group

The Admiral Group is the largest auto insurance company in the UK with 14% of the motor insurance market, underwriting policies through their Admiral, Bell, Diamond, elephant.co.uk and Gladiator brands.

What are the top 5 insurance rating agencies? ›

Five independent agencies—A.M. Best, Fitch, Kroll Bond Rating Agency (KBRA), Moody's and Standard & Poor's—rate the financial strength of insurance companies. Each has its own rating scale, its own rating standards, its own population of rated companies, and its own distribution of companies across its scale.

How can I lower my home insurance UK? ›

There are a number of things you can do to cut the cost of your home insurance premium.
  1. Shop around. ...
  2. Don't over-insure. ...
  3. Combine buildings and contents insurance. ...
  4. Secure your home. ...
  5. Choose to pay a higher excess. ...
  6. Pay your premium in one go. ...
  7. Maintain your no claims discount. ...
  8. Accurately calculate the value of your contents.

What is the best insurance in UK? ›

Best term life insurance providers
  • Legal & General.
  • Liverpool Victoria (LV)
  • Aviva.
  • Scottish Widows.
  • VitalityLife.
  • Royal London.
  • AIG.
  • Aegon.

What are the big four insurance companies? ›

According to a 2021 NAIC report, Northwestern Mutual, New York Life, Metropolitan, and Prudential are the four largest life insurance companies in the United States, all together holding 31.09% of the market.

What is the No 1 insurance company in the world? ›

Berkshire Hathaway

What is the most popular insurance company in the US? ›

The Largest Auto Insurance Companies
RankAuto insurance companyMarket share %
1State Farm16.73
4Geico (Berkshire Hathaway Inc.9.49
32 more rows
4 Feb 2022

How do I know if my insurance company is good? ›

Here's a checklist for things you must consider in an insurance company:
  1. #1: Check the insurance company's financial strength. ...
  2. #2: Check for proper state licensing, claims and complaints. ...
  3. #3: Consider a company's claims process. ...
  4. #4: Work with an independent agent who has relatable experiences with various carriers.

How do I know if an insurance company is a rated? ›

Before you buy, check out the insurance company's financial rating:
  1. A.M. Best Co. ( www.ambest.com) 908-439-2200.
  2. Fitch Ratings (www.fitchratings.com) 800-893-4824.
  3. Moody's Investor Service, Inc. ( www.moodys.com) ...
  4. Standard & Poors (www.standardandpoors.com) 800-523-4534.
  5. Weiss Ratings (www.weissratings.com) 877-934-7778.

Is home insurance cheaper if you are older? ›

Is home insurance cheaper if you're over 50? Home insurance can be cheaper for over 50s. In general, this is because insurance providers consider older people to be lower risk as they're less likely to make a claim. And when they do claim, it's often for smaller amounts.


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