Best Homeowners Insurance Companies for 2025: Reviews, Rankings and Rates


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Key Takeaways

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Auto-Owners is the best overall homeowners insurance company based on value, customer satisfaction and financial stability. Chubb, American Family, State Farm and Nationwide are also strong options.

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Chubb offers the lowest rates for most homeowners while earning high marks for customer service.

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Your location, home value and coverage needs affect your rate — compare personalized quotes to find the best coverage.

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$250,000

Top Homeowners Insurance Companies

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Best Overall Homeowners Insurance Company: Auto-Owners

  • MoneyGeek score: 96 out of 100
  • Annual premium: $2,061 for $250K in dwelling coverage

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Best Affordable Homeowners Insurance: Chubb

  • MoneyGeek score: 99 out of 100
  • Annual premium: $991 for $100K in dwelling coverage

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Best for Customer Service: Chubb

  • MoneyGeek score: 96 out of 100
  • Annual premium: $2,480 for $250K in dwelling coverage

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Best for Coverage Options: Nationwide

  • MoneyGeek score: 79 out of 100
  • Annual premium: $2,426 for $250K in dwelling coverage

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Best for New Homes: Auto-Owners

  • MoneyGeek score: 89 out of 100
  • Annual premium: $1,342 for $250K in dwelling coverage

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Best for Veterans, Military Members and Family: USAA

  • MoneyGeek score: 92 out of 100
  • Annual premium: $2,097 for $250K in dwelling coverage

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Best for Those With Poor Credit: Chubb

  • MoneyGeek score: 97 out of 100
  • Annual premium: $5,378 for $250K in dwelling coverage

Best Overall Homeowners Insurance Company: Auto-Owners

Company logo for Auto-Owners Insurance
Best OverallAuto-Owners Insurance
MoneyGeek Score:
96/ of 100

Annual Premium$2,061
Monthly Premium$172
Overview

Auto-Owners is the best homeowners insurance company, ranking first nationally with a MoneyGeek score of 96/100. The average annual premium is $2,061 for $250K in dwelling coverage.

The company offers responsible payment discounts to homeowners who have paid premiums on time for 36 months. You can also qualify for a mortgage-free discount if you own your home outright.

The overall best homeowners insurance company nationally is Auto-Owners, offering the best combination of affordability, customer satisfaction and financial stability. The average annual cost of a policy is $2,061, covering $250K for dwelling, $125K for personal property and $200K for liability.

However, the best homeowners insurance for you depends on your coverage needs. See the top options in the table below based on your preferred coverage level.

Data filtered by:Results filtered by:
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Coverage:$250K Dwelling Coverage
Auto-Owners Insurance96$ 2,061
Chubb94$ 2,480
State Farm89$ 1,986
American Family88$ 1,962
Nationwide79$ 2,426
Farmers73$ 2,271
Allstate67$ 2,435
Travelers45$ 6,224

Best Affordable Homeowners Insurance Company: Chubb

Company logo for Chubb
Cheapest Homeowners Insurance ProviderChubb
MoneyGeek Score:
99/ of 100

Annual Premium$991
Monthly Premium$83
Overview

Chubb is as the cheapest home insurance provider nationally, with an affordability score of 75/75 and an annual premium of $991 for $100K in dwelling coverage. 

Homeowners can save more through discounts for security and fire protection devices. A discount rewards those insured with Chubb for at least three years without claims.

Chubb is the most affordable homeowners insurance provider, with an average annual premium of $991 for $100K in dwelling coverage, $50K in personal property coverage and $100K in liability coverage. 

These rates can vary based on individual circumstances. Compare home insurance quotes from at least three companies to find your best rate.

Data filtered by:Results filtered by:
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Coverage:$100K Dwelling Coverage
Chubb$ 909
State Farm$ 988
Chubb$ 991
State Farm$ 995
Chubb$ 1,005
Nationwide$ 1,069
State Farm$ 1,074
Farmers$ 1,144
American Family$ 1,156
State Farm$ 1,169
Chubb$ 1,169
American Family$ 1,178
Nationwide$ 1,191
American Family$ 1,196
American Family$ 1,214
Auto-Owners Insurance$ 1,223
Farmers$ 1,229
Nationwide$ 1,246
Farmers$ 1,258
Auto-Owners Insurance$ 1,270
Nationwide$ 1,292
Auto-Owners Insurance$ 1,309
Farmers$ 1,328
Allstate$ 1,353
Auto-Owners Insurance$ 1,373
Allstate$ 1,443
Allstate$ 1,528
Allstate$ 1,691
Travelers$ 3,592
Travelers$ 3,789
Travelers$ 3,997
Travelers$ 4,224

Best Homeowners Insurance Company for Customer Service: Chubb

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
96/ of 100

Annual Premium$2,480
Monthly Premium$207
Overview

Chubb ranks first for customer satisfaction in home insurance, with an annual premium of $2,480 for $250K in dwelling coverage. It offers extra coverage options like water backup for sewers or drain protection. Its unique cash settlement option provides a cash payout up to your policy limit if you choose not to rebuild after a total loss.

Chubb leads the homeowners insurance market for customers who prioritize service over price. It's nationally recognized for quality service. A Chubb policy averages $2,480 yearly for $250K in dwelling coverage.

Selecting an insurer with excellent service ensures reliable support and efficient claims processing. Having dependable coverage when a tree damages your home provides peace of mind. If service matters more than cost, check the table below to find the best provider based on your dwelling coverage needs.

Data filtered by:Results filtered by:
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Coverage:$250K Dwelling Coverage
Chubb$ 2,448
Auto-Owners Insurance$ 1,905
American Family$ 1,902
State Farm$ 1,931
Nationwide$ 2,404
Travelers$ 6,120
Farmers$ 2,261
Allstate$ 2,392
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Best Homeowners Insurance Company for Coverage Options: Nationwide

Company logo for Nationwide
Best for Range of OptionsNationwide
MoneyGeek Score:
79/ of 100

Annual Premium$2,426
Monthly Premium$202
Overview

Nationwide excels with varied additional coverages, charging an average annual premium of $2,426 for $250K in dwelling coverage. Its Brand-New Belongings covers full replacement cost of damaged or stolen items. Better Roof Replacement ensures your roof is rebuilt with stronger materials after a covered loss. Equipment breakdown coverage helps pay to repair or replace faulty appliances and home systems.

Nationwide offers customizable homeowners insurance for customers seeking flexibility. Check the table below for its many optional coverages, which allow you to tailor policies to your home and lifestyle.

Coverage designed around your needs gives you security, knowing you're protected against the risks that matter most to you.

Coverage
Description

Brand-New Belongings

Pays to repair or replace belongings at current value regardless of age or condition

Better Roof Replacement

Rebuilds your roof with stronger materials after a covered loss

Valuables Plus

Provides extra protection for jewelry, watches, antiques and fine art

Water Backup

Covers damage from water backing up through sewers, drains or sump pump overflows

Service Line Coverage

Protects against damage to underground utility lines

Equipment Breakdown

Covers repair or replacement of appliances and home systems due to mechanical or electrical failures

Dwelling Replacement Cost

Pays up to twice your dwelling coverage limit for rebuilding after a loss

Ordinance or Law Coverage

Covers costs to rebuild to current building codes

Flood Insurance

Protects financially against flood damage as a separate policy

Earthquake Insurance

Provides coverage for earthquake damages with a separate deductible

Identity Theft Protection

Safeguards personal data and covers expenses related to identity theft

Umbrella Insurance

Adds extra liability protection for accidents on your property

Best Homeowners Insurance Company for Newly Built Homes: Auto-Owners

Company logo for Auto-Owners Insurance
Best for New HomesAuto-Owners Insurance
MoneyGeek Score:
89/ of 100

Annual Premium$1,342
Monthly Premium$112
Overview

Auto-Owners is the best homeowners insurance for newly constructed properties, ranking first for coverage options and financial stability. For $250K in dwelling coverage, it charges an average of $1,342 annually. New homeowners can benefit from its responsible payment and mortgage-free discounts.

Auto-Owners is the best homeowners insurance provider nationally for newly built homes, combining affordability, customer satisfaction and financial stability. The average policy costs $1,342 yearly for $250K in dwelling coverage, $125K in personal property protection and $200K in liability protection.

Newer homes typically cost less to insure because they rarely have outdated wiring or plumbing. The table below provides recommendations for the best insurance company for your new home based on your coverage needs.

Data filtered by:Results filtered by:
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Coverage:$250K Dwelling Coverage
Auto-Owners90$ 1,243
State Farm85$ 1,110
American Family84$ 1,118
Nationwide83$ 936
Chubb81$ 1,816
Allstate65$ 1,264
Farmers64$ 1,519
Travelers45$ 2,741

Best Homeowners Insurance Company for Military Families: USAA

Company logo for USAA
Best for Military FamiliesUSAA
MoneyGeek Score:
92/ of 100

Annual Premium$2,097
Monthly Premium$175
Overview

USAA exclusively offers policies to military members, veterans and their families. It provides strong value with an average annual premium of $2,097 for $250K in dwelling coverage. USAA coverage includes personal property replacement, which replaces lost or damaged items without considering depreciation.

USAA is the best home insurance provider for military families, ranking first for customer satisfaction and financial stability. Its average policy costs $2,097 for $250K in dwelling coverage.

The top insurer for veterans understands their unique challenges, including frequent relocations and potential deployments. USAA ensures homes and belongings remain protected under all circumstances.

Best Homeowners Insurance Company for Poor Credit: Chubb

Company logo for Chubb
Best for Poor CreditChubb
MoneyGeek Score:
97/ of 100

Annual Premium$5,378
Monthly Premium$448
Overview

Chubb offers competitive rates for homeowners with poor credit, charging an average annual premium of $5,378 for $250K in dwelling coverage. It provides various discounts for bundling policies, installing protective devices or maintaining a claims-free record.

Chubb is a top homeowners insurance company for homeowners with poor credit. It offers $250K in dwelling coverage at an average annual cost of $5,378 for customers with low credit scores.

Most insurers use credit scores to set premiums, except in California, Hawaii, Massachusetts and Maryland. People with poor credit typically face higher rates. To save money, maintain a good credit score and compare multiple providers to find the best coverage.

Data filtered by:Results filtered by:
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Credit Tier:Poor
Select
Coverage:$250K Dwelling Coverage
Chubb$ 5,378
State Farm$ 4,719
American Family$ 3,434
Nationwide$ 4,000
Farmers$ 8,250
Allstate$ 5,094
Travelers$ #,###
Auto-Owners Insurance$ #,###
badCredit icon
NO-CREDIT-CHECK HOME INSURANCE: STATES WHERE YOUR SCORE DOESN'T COUNT

Home insurance providers cannot use credit scores in California, Maryland, Hawaii and Massachusetts when setting premiums.

Best Homeowners Insurance by State

The national average cost for home insurance is $2,604 per year, but rates vary significantly by state, from $891 in New Jersey to $5,185 in Florida. Location-specific factors like weather risks and home values influence these differences. 

Top performers by state include:

  • Auto-Owners (best in 13 states)
  • State Farm (11 states)
  • Chubb (eight states)
AlabamaAuto-Owners100$3,313
AlaskaCOUNTRY Financial80$1,050
ArizonaAuto-Owners96$1,732
ArkansasState Farm94$2,750
CaliforniaTravelers88$882
ColoradoAuto-Owners96$1,673
ConnecticutState Farm89$1,710
DelawareTravelers91$724
District of ColumbiaNationwide81$1,010
FloridaState Farm93$5,185
GeorgiaAuto-Owners96$1,611
HawaiiState Farm84$440
IdahoAmerican Family93$953
IllinoisAuto-Owners96$1,999
IndianaAmerican Family91$1,433
IowaAuto-Owners99$1,472
KansasAuto-Owners99$2,521
KentuckyAuto-Owners91$2,157
LouisianaState Farm87$3,521
MaineChubb92$868
MarylandChubb92$2,039
MassachusettsAmica86$2,252
MichiganAuto-Owners97$351
MinnesotaAuto-Owners98$1,445
MississippiState Farm92$3,482
MissouriAAA83$1,558
MontanaChubb99$1,017
NebraskaAmerican Family93$3,644
NevadaAmerican Family74$1,081
New HampshireAmica95$713
New JerseyChubb96$891
New MexicoState Farm93$1,501
New YorkState Farm84$976
North CarolinaAuto-Owners93$2,425
North DakotaAmerican Family88$1,702
OhioAuto-Owners99$1,227
OklahomaChubb91$6,267
OregonNationwide85$911
PennsylvaniaErie92$1,315
Rhode IslandAmica89$1,521
South CarolinaChubb99$1,606
South DakotaAuto-Owners96$2,538
TennesseeErie93$2,490
TexasState Farm89$3,098
UtahFarmers85$689
VermontState Farm82$1,022
VirginiaChubb95$1,495
WashingtonNationwide90$1,019
West VirginiaNationwide87$1,380
WisconsinChubb99$1,067
WyomingState Farm82$1,564

Note: USAA was excluded from state rankings due to eligibility requirements. If you're military-affiliated, it's a top-rated option worth considering.

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Homeowners Insurance Companies: Buying Guide

Finding the best homeowners insurance requires understanding your coverage needs, budget and provider reputation. This guide covers key factors from coverage types to discounts, helping you choose the right policy to protect your home and finances.

How to Save On Homeowners Insurance

Homeowners insurance costs can add up, but strategic choices help reduce costs while maintaining protection. Save money by exploring discounts, raising your deductible and comparing quotes from multiple providers.

  1. 1

    Compare quotes from multiple providers

    Shopping around lowers your rate effectively. Even small differences between insurers can create significant long-term savings.

  2. 2

    Bundle home and auto insurance

    Most insurers offer a discount when you bundle home and auto policies. This simple strategy saves money and simplifies your coverage management.

  3. 3

    Raise your deductible

    A higher deductible typically reduces your premium. Ensure you can afford this amount upfront when filing a claim.

  4. 4

    Improve your credit score

    In most states, insurers use credit when setting rates. Pay bills on time and reduce debt to qualify for lower premiums.

  5. 5

    Install safety and security upgrades

    Smoke detectors, burglar alarms and monitored security systems can qualify for discounts while reducing damage or theft risk.

  6. 6

    Consider location and risk

    Location matters. Homes near fire stations or in low-risk areas typically cost less to insure than properties in flood zones or disaster-prone regions.

  7. 7

    Review your policy annually

    As life changes, so should your insurance. Annual policy reviews ensure appropriate coverage at the best rate. Remember to compare quotes again.

Best Homeowners Insurance Discounts

Most insurers offer discounts to help you save money, especially when you take steps to reduce risk or bundle coverage. Discount availability varies by provider and state. Here are common ways to cut costs:

    carInsurance icon

    Multi-policy (Bundling)

    Save by combining your home and auto insurance, often the biggest discount insurers offer.

    mortgage icon

    Claims-free

    Homeowners who haven't filed claims in recent years may qualify for lower rates as a reward for low risk.

    fireHydrant icon

    Protective device

    Installing smoke detectors, fire alarms, burglar alarms or monitored security systems can reduce your premium.

    buyingAHouse icon

    New home

    Insuring a newer home (typically under 10 years old) may qualify you for lower rates because of modern building standards.

    bigHouseRent icon

    Renovation

    Upgrading your plumbing, heating, electrical or roofing systems may lead to discounts by reducing hazards.

    discount2 icon

    Loyalty

    Some insurers reward long-time policyholders with lower rates after a certain number of years.

    ecoHouse icon

    Paperless or auto-pay

    You may receive a small discount for enrolling in paperless billing or setting up automatic payments.

    house icon

    Gated community

    Living in a gated or security-patrolled community may qualify you for lower premiums due to reduced theft risk.

    seniors icon

    Senior or retiree

    Some insurers offer special rates for retirees or policyholders over a certain age (typically 55+), based on increased home occupancy and lower claims frequency.

Factors to Consider When Choosing the Best Homeowners Insurance

When choosing a homeowners insurance company, focus on factors that matter most to you. Prioritize your needs and compare providers to find optimal coverage.

Factors
Description

Sufficient coverage levels

Ensuring adequate protection for a total loss helps you choose the right homeowners insurance.

Cost

Select a policy with a premium you can afford annually. Even excellent coverage provides no benefit if payments become unmanageable.

Customer reviews

Customer feedback reveals a company's reputation. Reviews help determine if a provider offers pleasant phone interactions and timely claims payments.

Financial rating

Companies with higher financial strength ratings are more likely to fulfill future claims.

Discounts

A seemingly expensive provider may offer discounts that significantly reduce premiums.

flood icon
DO YOU NEED FLOOD INSURANCE?

“All areas of the U.S. face flood risks. According to the Insurance Information Institute, 90% of natural disasters involve flooding, yet standard home policies don't cover floods. Homeowners can purchase separate flood insurance through the National Flood Insurance Program or private insurers.” — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute.

Best Insurance Companies for Home: Bottom Line

The best homeowners insurance company depends on your location, budget and coverage needs. Auto-Owners, State Farm and Chubb consistently rank highly overall, but comparing quotes and features helps you find the right fit.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Finding the Best Homeowners Insurance: FAQ

Consider several factors when selecting a home insurance company. Here are answers to common questions:

What factors impact rates at the best home insurance companies?

How much does home insurance cost at the best companies?

Homeowners Insurance: Expert Insights

Home insurance can confuse shoppers, making it challenging to find essential information before purchasing a policy. MoneyGeek consulted industry experts, leaders and academics nationwide to provide insights on homeowners coverage.

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Best Homeowners Insurance Quotes: Our Review Methodology

MoneyGeek evaluated homeowners insurance carriers using insights and premiums from Quadrant Information Services' official databases.

Homeowner Profile

For our analysis, we created a sample homeowner with:

  • Good credit score (769 to 792)
  • Home built in 2000
  • Wood-frame construction
  • Composite shingle roof

Homeowners Insurance Coverage Details

Unless specified otherwise, we used these coverage limits for comparison quotes:

  • $250K dwelling coverage
  • $125K personal property coverage
  • $200K personal liability coverage
  • $1,000 deductible

We also gathered data for higher-value policies to identify the best companies for expensive homes, increasing limits to $1M dwelling coverage, $500K personal property coverage and $1M liability coverage.

Home Insurance Companies: Related Articles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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