Best Homeowners Insurance Companies in 2025

Amica ranked as the most affordable option across multiple homeowner profiles we looked at, providing budget-conscious homeowners with low average rates while also providing a positive customer service experience.

Our rate analysis found Amica consistently offers some of the lowest premiums. Whether you're insuring an older home with high coverage limits or a newer property with basic protection, Amica's rates beat competitors by meaningful margins. 

This affordability becomes more impressive considering what you get for those lower premiums. Amica earned top marks in customer service, with policyholders praising responsive claims handling and knowledgeable representatives. The company's strong financial ratings from AM Best confirm its ability to pay claims reliably.

Amica's main limitation is fewer coverage add-ons compared to larger insurers like State Farm or Allstate. However, the company covers all the essentials most homeowners need, and its standard policies often include features that competitors charge extra for.

With an average rate of $119 per month, Amica consistently offers some of the cheapest homeowners insurance rates we've found. Whether you're covering an older home or a new build, want high or low coverage limits or have filed claims before, Amica's prices beat most competitors. This makes it a great choice if you want to keep your premium low without sacrificing quality customer service.

Find out what Amica charges on average for your home coverage and where it ranks among competitors.

Amica earned the top spot in the J.D. Power 2025 Home Insurance Study with a score of 705 out of 1,000, reflecting the company's commitment to exceptional customer service. This confirms what policyholders consistently report: Amica delivers responsive claims handling and knowledgeable support when you need it most. 

Positive reviews for the company mention that helpful representatives take time to explain coverage details and walk customers through the claims process without rushing them off the phone. For homeowners who value reliable support and clear communication from their insurance company, Amica's track record of customer satisfaction makes it a standout choice.

While Amica doesn't offer as many add-on options as larger insurers, the company covers the coverage enhancements that most homeowners actually need:

• Water backup coverage: Covers damage from water or sewage backing up through your home's plumbing system.
• Flood insurance: Separate coverage for flood damage not covered by standard homeowners policies.
• Scheduled personal property: Additional protection for valuable items like jewelry, art and antiques.
• Replacement coverage: Reimburses the full cost to replace damaged items at today's prices, not their depreciated value.
• Electronics coverage: Covers accidental damage to laptops, smartphones, and tablets.
• Identity theft coverage: Helps recover from financial impacts of stolen identity.

USAA delivers exceptional value exclusively to military members, veterans and their families, combining some of the lowest rates in the industry with comprehensive coverage that includes features other insurers charge extra for.

Our analysis found USAA offers affordable home insurance coverage while providing benefits like replacement cost coverage and identity theft protection at no extra cost. The company's policies often include more comprehensive protection than basic offerings from competitors, giving military families better value.

USAA consistently ranks at the top of customer satisfaction surveys, with military families praising the company's understanding of their unique circumstances. The company's military-only focus allows it to provide specialized services that other insurers can't match. For eligible service members and veterans, USAA delivers great value through competitive rates, comprehensive coverage and customer service designed specifically for military life.

USAA offers competitive rates for eligible military members and their families, with an average monthly premium of $186. The company is one of the most affordable options based on our analysis. Plus, USAA includes a good bit in its policies. While other insurers charge extra for features like replacement cost coverage and identity theft protection, USAA includes these benefits in its standard policies, making the overall value even better.

Check USAA’s average rate for your home and see how it compares to other insurers.

USAA earned the highest score in the J.D. Power Home Insurance Study with 737 out of 1,000 points, though it's not officially ranked due to its military-only eligibility requirements. Military families consistently report that USAA understands the unique challenges of military life, from frequent relocations to deployment-related coverage needs. Whether you're dealing with a claim while deployed overseas or need to adjust coverage during a permanent change of station, USAA's support team knows how to help efficiently and effectively.

USAA offers extensive add-on options tailored to military families' unique needs, providing comprehensive house insurance protection for both property and liability risks:

Property Protection:

• Home Protector: Increases dwelling coverage by 25% for unexpected rebuilding costs or building code requirements.
• Water backup coverage: Covers damage caused by water or sewage backing up through your home’s plumbing.
• Earthquake coverage: Offers protection for your home and belongings from earthquake damage.
• Wildfire Response program: Helps protect your home from active wildfires in covered states.

High-Value Items:

• Valuable Personal Property (VPP): Extra coverage for high-value items like jewelry, firearms and smartwatches with no deductible.
• Electronics coverage: Protects computers, tablets, wearable tech and cell phones against accidental damage.
• Collectibles insurance: Coverage for vintage toys, model trains, military memorabilia and comic books.

Liability and Specialized Coverage:

• Home-sharing coverage: Increases liability and property coverage for short-term rentals.
• Umbrella insurance: Additional liability coverage beyond your homeowners policy limits for major lawsuits.

AAA earned our "Best Value" award due to its combination of solid protection options and affordable rates, especially for high-risk homeowner profiles.

Our research found that AAA offers some of the lowest premiums for homeowner profiles that insurers consider higher risk, such as those with poor credit, older properties and homes in higher fire-risk areas. The company's A rating from AM Best confirms solid financial stability, while their unique AAA Triple Check service provides personalized coverage reviews to ensure you're getting optimal protection and available discounts.

AAA leverages its membership organization structure to offer insurance alongside other services, creating additional savings opportunities through bundling and member benefits. The company's coverage options address gaps that standard policies often miss, such as service line protection and home systems coverage.

For AAA members seeking reliable coverage at competitive rates, particularly those with credit challenges or hard-to-insure properties, AAA delivers exceptional value.

AAA earned its “Best Value” award with its average monthly premium of $135, consistently ranking among the most affordable options for homeowners who pay higher rates elsewhere. The company provides competitive pricing for high-risk profiles in particular, including homeowners with poor credit, older homes and properties in higher fire-risk areas.

AAA provides personalized service through its unique Triple Check program, offering free comprehensive household coverage reviews to help members understand their insurance, identify available discounts and make sure they’re taking advantage of all AAA membership benefits. This consultative approach goes beyond standard insurance sales, focusing on creating the right coverage plan for each member's specific needs and budget. The company's A rating from AM Best demonstrates financial stability and reliability in paying claims when members need coverage most.

AAA’s list of coverage options is shorter than many competitors, but the choices the insurer offers address common gaps in standard policies that homeowners are looking for:

• Service Line Coverage: Protects against loss or damage to exterior underground utilities like water, sewer, or power lines.
• Home Systems Protection: Covers breakdowns of essential household systems like central air conditioning, furnaces, and water heaters.
• Inland Flood Coverage: Designed for low-to-moderate risk areas, covering common residential flood losses including risks excluded from other flood policies.

Farmers stands out for its extensive discount opportunities, offering 14 different ways to save on your homeowners insurance — more than most competitors provide.

Based on our research, Farmers offers some of the most affordable coverage on average. And on top of that, the company places a focus on helping customers reduce their premiums through various discount programs, from bundling policies to installing safety features. 

Farmers offers solid coverage options with flexible policy customization, including guaranteed replacement cost coverage that ensures full rebuilding costs regardless of policy limits. The company's agent-focused model means you'll work with a local representative who can explain coverage options and help you maximize available discounts. For customers who value personalized service and want to actively reduce their premiums through discounts, Farmers delivers strong value.

Farmers' average monthly premium of $188 ranks it among the cheapest house insurance companies. While the base rates may not be the absolute lowest available, the company's extensive discount program can help reduce your actual premium. With 14 different discount opportunities, which is more than most competitors offer, qualifying homeowners can save a good bit on their annual premium through bundling, safety features and loyalty programs.

Farmers operates through local agents who provide personalized service and explain the company’s coverage options and discounts. This agent-focused approach gives you a dedicated representative who can help with policy questions and claims. The company’s A rating from AM Best shows strong financial stability, giving customers confidence that claims will be paid on time.

Farmers offers extensive customization options beyond standard coverage:

Enhanced Dwelling Protection:

• Extended replacement cost: Pays up to 25% above policy limits if rebuilding costs exceed your coverage amount.
• Guaranteed replacement cost: Covers full rebuilding costs regardless of policy limits for covered losses.
• Building ordinance or law: Covers required upgrades to meet current building codes after covered damage.

Additional Property Coverage:

• Sewer and drain water damage: Protects against water backing up through drains and sumps.
• Scheduled personal articles: Enhanced coverage for valuable items like jewelry, firearms, and silverware.
• Identity shield: Professional services if your identity is stolen.

Separate Policy Options:

• Flood insurance: Coverage for flood damage excluded from standard policies.
• Earthquake insurance: Protection against earthquake damage not covered by homeowners policies.
• Personal liability umbrella: Additional liability coverage from $1 million to $10 million beyond standard limits.

Chubb delivers exceptional customer service and comprehensive coverage, earning our "Best Customer Experience" award because of its dedication to personalized attention that standard insurers simply don't provide.

Chubb ranked second in the J.D. Power 2025 Home Insurance Study with a score of 677, reflecting its consistent focus on superior customer care. The company's unique approach includes complimentary home appraisals with risk consultants who visit your property to ensure you're fully protected and provide security advice.

Chubb's A++ rating from AM Best demonstrates outstanding financial stability, giving customers confidence their claims can be paid reliably. The company goes beyond standard coverage with innovative services like HomeScan technology that detects hidden problems before they cause damage, plus comprehensive replacement cost coverage that ensures your home can be rebuilt exactly as it was.

While Chubb's house insurance premiums are higher than average, the combination of exceptional service and unique benefits makes it ideal for homeowners who value superior protection and personalized attention over basic coverage.

Chubb's average monthly premium of $369 reflects the company's focus on comprehensive coverage and superior service. While higher than the national average cost, this premium includes extensive features and personalized services that other insurers either don't offer or charge extra for, such as complimentary home appraisals and advanced replacement cost coverage that rebuilds your home exactly as it was.

Chubb earned our "Best Customer Experience" award and ranked second in J.D. Power's 2025 Home Insurance Study with a score of 677 after holding the top spot in 2024. The company's personalized approach includes risk consultants who conduct complimentary home appraisals, noting specific details that make your house a home while providing security and fire prevention advice. During claims, Chubb helps arrange comfortable temporary housing, including finding homes in your school district when possible. The company's A++ AM Best rating confirms their financial strength and ability to handle claims promptly.

Chubb offers comprehensive coverage with unique features that go beyond standard policies:

Enhanced Protection:

• Extended replacement cost: Pays full rebuilding costs even if they exceed policy limits, including building code upgrades.
• Cash settlement option: Flexibility to take cash payment instead of rebuilding after total loss.
• Replacement cost coverage: Replaces custom details like upgraded appliances, cabinets, and flooring with exact or latest models available.

Innovative Services:

• HomeScan technology: Uses infrared detection to find hidden problems like leaks or electrical issues before damage occurs.
• Risk consulting: Complimentary home appraisals and security consultations from trained specialists.
• Temporary living assistance: Help finding comfortable accommodations during repairs, including homes in your area.

Additional Benefits:

• Flexible settlements: Option to choose cash payments instead of replacement for damaged belongings.
• Comprehensive extras: Coverage for situations like tree removal and lock replacement.