Our rate database covers 925 ZIP codes across all 50 states and Washington, D.C., 57 carriers and homeowner profiles ranging from new construction to older homes with prior claims history. We analyzed 83,056 quotes to build our comparisons. Here is exactly how we built it and why we made the choices we did.
Home Insurance Review and Cost Analysis Methodology
Updated: May 6, 2026
Advertising & Editorial Disclosure
How We Research Home Insurance
Where Our Rate Data Comes From
Our rates come from Quadrant Information Services, which collects home insurance premium data directly from state insurance filing records. In every state, carriers are required by law to file their rates with the state insurance regulator before they can charge them. Those filings are public record. Quadrant aggregates that filed data and provides it to researchers and publishers.
This matters because our rates are not broker estimates or online quote approximations. They are the actual filed rates that carriers have committed to regulators, pulled from 925 ZIP codes across all 50 states and Washington, D.C. Our figures reflect current market conditions.
Our Base Homeowner Profile
We built our analysis around a typical homeowner to compare rates accurately. This profile reflects common demographics and property types, letting you see how companies price similar homes.
The Homeowner
Our sample homeowner is 41 to 60 years old with good credit (769 to 792 credit score), no recent claims and standard risk. A homeowner in this age range typically carries a mortgage, has established claims history and represents the largest segment of the U.S. homeowner market. Good credit reflects the most common credit tier among homeowners and produces rates most relevant to the widest audience. Using a clean claims history as the baseline captures the majority of homeowners at any given time, since most policyholders go several years between claims.
The Property
Our base property: built in 2000, wood-frame construction, composite shingle roof, standard safety features and a $250,000 replacement value. A home built in 2000 sits near the median age of the U.S. housing stock, old enough to reflect realistic maintenance considerations but new enough to meet modern building codes in most states. Wood-frame construction with a composite shingle roof is by far the most common combination in the U.S. residential market. Using a $250,000 replacement value keeps the baseline representative of a mid-range home without skewing toward high-value or entry-level properties.
The Coverage
Our base coverage represents typical protection levels: $250,000 dwelling coverage, $125,000 personal property, $200,000 liability and a $1,000 deductible. We also analyzed scenarios with higher limits to evaluate companies across different protection levels and customer needs.
These are representative rates. Older homes, properties in high-risk weather areas, higher coverage limits or a prior claims history will produce higher premiums. Every rate table on our site is filterable by home age, coverage level, credit score and claims history so you can find figures that match your actual profile.
Our MoneyGeek Home Insurer Scoring System
We score carriers on three factors, weighted based on what matters most when choosing home insurance:
Affordability | 55% | Rates for identical coverage across major providers; discount availability |
Customer Satisfaction | 30% | J.D. Power ratings, AM Best, NAIC Complaint Index, Trustpilot, app feedback |
Coverage Options | 15% | Add-on availability; state- and market-specific coverage options |
1. Affordability: 55% of Score
We compared rates for identical coverage across major providers and evaluated discount availability. The lower a carrier's rate relative to competitors for a given profile, the higher its affordability score. Scores are calculated separately for each homeowner profile, so a carrier that is affordable for standard homes but expensive for older homes reflects both realities.
2. Customer Satisfaction: 30% of Score
We assess customer satisfaction using several independent sources that reveal how insurers actually perform when homeowners file claims for water backup, storm damage or other losses:
- J.D. Power ratings
- AM Best financial strength ratings
- NAIC Complaint Index scores
- Trustpilot reviews
- App store feedback
3. Coverage Options: 15% of Score
We assessed add-on availability and coverage options relevant to specific states and markets. Carriers with broader add-on menus and state-specific options score higher. This includes endorsements like water backup coverage, equipment breakdown, scheduled personal property and coverage for high-risk weather regions.
Which Companies Are Represented?
Our ratings and data represent the following home insurance companies:
AAA
Agraria Insurance
AIG Insurance
Alfa Insurance
Allstate
AMCO Insurance
American Family
American Modern
Amica
Auto-Owners Insurance
Capital Insurance Group
Chubb
Cincinnati Insurance
Concord Group Insurance
COUNTRY Financial
CSAA
DB Insurance
Erie
Farm Bureau
Farmers
First Insurance Company of Hawaii
Florida Peninsula Insurance
Foremost Insurance
Grange Insurance
Hawaiian Insurance and Guaranty Company
Heritage Insurance
Homesite
IAT Insurance Group
Idaho Farm Bureau
Island Insurance
Kentucky Farm Bureau
Louisiana Farm Bureau
Main Street America Insurance
Mercury Insurance
Mississippi Farm Bureau
MMG Insurance
Mutual of Enumclaw
Narragansett Bay Insurance Company
Nationwide
New Jersey Skylands
North Carolina Farm Bureau
North Star Mutual
Oklahoma Farm Bureau
Plymouth Rock
Progressive
PURE
RLI
Shelter
State Farm
The Andover Companies
The Hanover
Travelers
Umialik Insurance
Universal Property
USAA
Vermont Mutual
Westfield Insurance
Why You Can Trust Our Editorial Standards
MoneyGeek's carrier rankings and recommendations are entirely independent of our business relationships. We don't accept payment to rank any insurer higher than our methodology supports, and no carrier can influence our scores or recommendations. Read our full editorial policy.
Methodology Disclaimer
MoneyGeek rate data reflects filed insurance rates and does not constitute a binding quote. Your actual rate depends on your specific profile, location, home characteristics and the carrier's underwriting decisions at the time of application. Get quotes directly from carriers before making a coverage decision. Insurance regulations vary by state. Rate factors including credit score may be prohibited or restricted in certain states — specifically California, Maryland and Massachusetts. Verify coverage requirements with your state's insurance department.
About Nicole Goldkamp
Nicole Goldkamp is an SEO and Content Manager at MoneyGeek, leading the home and renters insurance editorial team. With five years of experience evaluating home, renters, auto and pet insurance products and a decade in content and editorial roles, Nicole brings deep industry knowledge to her work.
As MoneyGeek's lead for home and renters insurance, Nicole authors in-depth guides, company reviews and comparison pages, and reviews all content written by her team for accuracy and practical value before it's published. She maintains editorial standards, research methodologies and MoneyGeek's provider evaluation frameworks for home and renters insurance, including structured insurer assessment criteria, data collection protocols and insurance product comparison models that support objective, consumer-focused decision-making.