Updated: October 22, 2025
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MoneyGeek's homeowners insurance comparison hub delivers detailed guides for every property owner's needs, evaluating the best-value companies across different coverage options, home types and states. You can find a collection of six specialized comparison guides tailored to different homeowner situations below.
We compare homeowners insurance companies on more than just price, analyzing customer satisfaction reputations, financial ratings and claims handling alongside rates.
Homeowners who review rates annually can uncover meaningful savings over auto-renewing, as prices change frequently and loyalty discounts seldom match competitive offers.
Shopping for homeowners insurance means balancing cost with coverage quality, and that's where our research comes in handy. We analyzed thousands of quote estimates from major insurers to help you understand what different companies offer and what you'll actually pay based on your home and location.
We show how companies stack up on both price and service, so you can find coverage that fits your budget without sacrificing protection when you need to file a claim.
Shopping for homeowners insurance requires balancing costs and coverage options, but here's the straightforward approach that actually works. We've helped thousands of homeowners find the right coverage while saving both time and money.
Most people guess at coverage amounts, leaving them underprotected or overpaying. Your dwelling coverage should reflect how much it would currently cost to rebuild your home, not its purchase price.
Beyond the structure itself, take a detailed inventory of your belongings to determine how much personal property coverage you need. Personal property coverage usually costs about 50% to 70% of your dwelling amount, though high-value items may require additional coverage.
To get accurate homeowners insurance quotes, prepare the right information ahead of time. Start with the basics: your home's square footage, year built, roof type, heating system and foundation details. Don't guess on this info — check your home inspection report, tax records or county assessor's website for accurate information.
You have three main options for gathering quotes: Working with an independent agent lets you compare multiple insurers at once and get personalized advice, calling insurers directly lets you ask detailed questions, and getting quotes online is often the quickest way to check rates at your convenience. We recommend getting quotes from at least three insurers to compare your home insurance options.
Ask about all available discounts when getting quotes. Many insurers offer savings for everything from being claims-free for several years to having a college degree or working in certain professions. Bundling your home and auto insurance with the same company can also save you 5% to 25% on your policy, depending on the insurer.
The cheapest premium isn't always the best deal if the insurer can't pay your claims or provides poor customer service when you need help. Look for insurers rated A- or higher by AM Best or with scores above the industry average in J.D. Power satisfaction studies. Pay attention to policy exclusions that leave you vulnerable as well. Some insurers exclude windstorm damage in coastal areas or have strict limits on water damage. When disaster strikes, these details matter more than saving $50 on your annual premium.
Insurance rates change constantly, and what was the best deal last year might not be competitive anymore. Set a calendar reminder 30 days before your policy renews each year to give you time to gather quotes without rushing. Homeowners who shop annually save $200 to $500 compared to simply renewing.
Don't assume loyalty pays off in insurance. While some companies offer small loyalty discounts, the savings from switching to a more competitive insurer often outweigh these benefits. Annual shopping gives you a chance to reassess your coverage needs as your home's value and your possessions change over time.
Looking at homeowners insurance quotes side-by-side makes it easier to spot the real differences between companies and coverage options. We analyzed quotes from major national insurers to highlight what to look for and how price differences reflect actual coverage value for your home.
The table below demonstrates how the same coverage can vary dramatically between insurers, sometimes by hundreds of dollars annually. See which national insurers offer the most affordable average rates for different coverage levels.
| Amica | $119 | -56% |
| CSAA | $126 | -54% |
| AAA | $135 | -50% |
| American Modern | $174 | -36% |
| USAA | $186 | -32% |
| Farmers | $188 | -31% |
| Allstate | $198 | -27% |
| State Farm | $204 | -25% |
| Homesite | $210 | -23% |
| Nationwide | $287 | 5% |
| Chubb | $369 | 36% |
| Progressive | $454 | 67% |
| Travelers | $571 | 110% |
Amica offers the cheapest homeowners insurance quotes for every coverage level, with average costs ranging from 55% to 58% below the national average. Compare prices along with the insurer’s financial stability, customer service and claims handling.
Why Trust MoneyGeek for Homeowners Insurance? MoneyGeek compared home insurance quotes from 20+ insurance providers across the U.S. using a profile that reflects the average homeowner. When you compare home insurance rates from different locations and companies, you get a reliable estimate of what homeowners can expect to pay.
Home insurance costs vary dramatically across the country, with some states paying three times more than others for similar coverage. Your location plays a major role in determining your premium because insurers factor in regional risks like hurricanes, tornadoes, wildfires and crime rates when setting prices.
Here's how each state compares to the national average, so you can see where your area stands and understand whether you're getting a competitive rate for your region.
| Alabama | $386 | 31% |
| Alaska | $110 | -63% |
| Arizona | $217 | -27% |
| Arkansas | $420 | 42% |
| California | $112 | -62% |
| Colorado | $340 | 15% |
| Connecticut | $192 | -35% |
| Delaware | $81 | -72% |
| District of Columbia | $107 | -64% |
| Florida | $853 | 189% |
| Georgia | $188 | -36% |
| Hawaii | $50 | -83% |
| Idaho | $140 | -53% |
| Illinois | $264 | -11% |
| Indiana | $258 | -13% |
| Iowa | $198 | -33% |
| Kansas | $309 | 5% |
| Kentucky | $269 | -9% |
| Louisiana | $708 | 140% |
| Maine | $119 | -60% |
| Maryland | $219 | -26% |
| Massachusetts | $172 | -42% |
| Michigan | $184 | -38% |
| Minnesota | $200 | -32% |
| Mississippi | $430 | 46% |
| Missouri | $249 | -16% |
| Montana | $409 | 38% |
| Nebraska | $522 | 77% |
| Nevada | $101 | -66% |
| New Hampshire | $96 | -68% |
| New Jersey | $148 | -50% |
| New Mexico | $149 | -50% |
| New York | $130 | -56% |
| North Carolina | $313 | 6% |
| North Dakota | $188 | -36% |
| Ohio | $173 | -41% |
| Oklahoma | $640 | 117% |
| Oregon | $90 | -69% |
| Pennsylvania | $195 | -34% |
| Rhode Island | $174 | -41% |
| South Carolina | $259 | -13% |
| South Dakota | $301 | 2% |
| Tennessee | $244 | -17% |
| Texas | $571 | 93% |
| Utah | $121 | -59% |
| Vermont | $88 | -70% |
| Virginia | $223 | -25% |
| Washington | $123 | -58% |
| West Virginia | $143 | -52% |
| Wisconsin | $116 | -61% |
| Wyoming | $158 | -47% |
Each state’s insurance market varies based on local regulations, the number of insurers and the level of competition. Some insurers excel in certain regions but aren't available nationwide, while others may offer competitive rates in one state but struggle in another. Understanding which companies perform best in your state helps you focus your shopping efforts on insurers most likely to provide good value and service in your area.
While state averages give you a baseline, your specific city and even ZIP code can impact your rates within the same state.Â
We've analyzed the best home insurance companies and rates for major cities across the country, taking into account local risk factors, available insurers and regional pricing patterns. These city-specific guides can help you compare the most competitive options in your market.
Gathering multiple homeowners insurance quotes isn't enough — smart comparison requires analyzing details beyond the premium. Many homeowners choose the lowest price and miss critical coverage differences. Use this framework to evaluate quotes effectively.
Before analyzing prices, confirm all quotes reflect the same coverage specifications. Even small differences in coverage limits and deductible amounts can dramatically impact costs and protection.
Check your deductible options. A $1,000 deductible costs about $200 less annually than a $500 deductible, but you'll need to make sure you can afford to pay your chosen deductible if you file a claim.
Review what's excluded. Standard policies don't cover flood or earthquake damage. You'll need separate policies for these perils. Many insurers also cap jewelry, art and electronics coverage at $1,500 to $2,500 unless you add scheduled personal property coverage.
Look at each insurer's financial strength rating from AM Best. Companies rated A or higher demonstrate the financial stability to pay claims. According to MoneyGeek's analysis, customer satisfaction scores vary significantly between insurers, even at similar price points. J.D. Power's annual home insurance satisfaction studies also rank insurers on claims handling and customer service. Look for which providers score above the industry average to determine reliability.
Choose the insurer that provides the best combination of adequate coverage, competitive pricing, financial stability and customer service reputation. The cheapest quote isn't always the best value if it leaves you underprotected or dealing with a company known for claims disputes.
Your home is likely your largest investment. Paying an extra $200 to $400 a year for better coverage and service can be well worth it when it’s time to file a claim.
Use our home insurance calculator to get a personalized estimate based on your home's details and location. When you’re ready to compare home insurance quotes, this tool helps you understand what you should expect to pay and whether your current rate is competitive.
Enter your details once and see how much you could save. It takes 30 seconds to see how rates can vary by hundreds of dollars between companies in your area, and we won't call you or send you emails unless you want to proceed with getting a finalized quote.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 22, 2025
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About Mark Fitzpatrick
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
