Updated: October 8, 2025
Advertising & Editorial Disclosure
Amica takes the top spot for the best overall homeowners insurance company based on value, customer satisfaction and coverage, according to our research. USAA, AAA, Farmers and Chubb are also strong options.
Amica offers the lowest average home insurance rates for a variety of homeowner profiles, with an overall average rate of $1,428 per year.
What you pay for homeowners insurance varies based on personalized factors like your location, home value and coverage needs. Compare quotes from multiple providers to find the best cost and coverage.
We analyzed dozens of home insurance companies on their average costs, customer service and coverage options to identify the standout performers on the market. Amica emerged as the top choice, especially for its low average rates and exceptional customer service reputation. These five insurers represent the best options for different homeowner needs, from budget-conscious buyers looking for the cheapest home insurance to those seeking a positive customer experience.
Amica | Best Overall Home Insurance Company | $1,428 |
USAA | Best for Military | $2,233 |
AAA | Best Value | $1,623 |
Farmers | Best Discount Opportunities | $2,251 |
Chubb | Best Customer Experience | $4,431 |
Best Overall Home Insurance Company
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Best for Military
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Best Value
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Best Discount Opportunities
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Best Customer Experience
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
We analyzed top-performing insurers in each state based on their affordability, customer satisfaction and available coverage options. The table below shows the best provider for each state with average premiums for $250K in dwelling coverage.
| Alabama | USAA | $3,720 |
| Alaska | USAA | $1,209 |
| Arizona | USAA | $1,655 |
| Arkansas | USAA | $2,491 |
| California | USAA | $1,351 |
| Colorado | USAA | $4,314 |
| Connecticut | USAA | $1,289 |
| Delaware | Allstate | $953 |
| District of Columbia | USAA | $865 |
| Florida | Chubb | $10,821 |
| Georgia | USAA | $1,930 |
| Hawaii | AIG Insurance | $519 |
| Idaho | USAA | $1,634 |
| Illinois | USAA | $1,766 |
| Indiana | USAA | $1,904 |
| Iowa | USAA | $1,984 |
| Kansas | Farmers | $2,974 |
| Kentucky | Allstate | $2,663 |
| Louisiana | USAA | $3,453 |
| Maine | Chubb | $892 |
| Maryland | USAA | $1,488 |
| Massachusetts | USAA | $1,187 |
| Michigan | USAA | $1,970 |
| Minnesota | Chubb | $1,990 |
| Mississippi | USAA | $2,811 |
| Missouri | USAA | $2,464 |
| Montana | USAA | $2,736 |
| Nebraska | USAA | $2,566 |
| Nevada | USAA | $1,499 |
| New Hampshire | Amica | $742 |
| New Jersey | Chubb | $957 |
| New York | Farmers | $1,414 |
| North Carolina | USAA | $2,652 |
| North Dakota | Allstate | $1,892 |
| Ohio | USAA | $1,361 |
| Oklahoma | USAA | $4,656 |
| Oregon | USAA | $882 |
| Pennsylvania | USAA | $1,313 |
| Rhode Island | Amica | $1,354 |
| South Carolina | USAA | $2,453 |
| South Dakota | USAA | $3,734 |
| Tennessee | USAA | $2,041 |
| Texas | USAA | $4,243 |
| Utah | USAA | $1,238 |
| Vermont | USAA | $903 |
| Virginia | Chubb | $1,663 |
| Washington | USAA | $1,592 |
| West Virginia | USAA | $1,241 |
| Wisconsin | Chubb | $1,021 |
| Wyoming | USAA | $1,478 |
Home insurance costs vary by state due to differences in weather risks, building costs and state regulations, with premiums in hurricane- and wildfire-prone areas often double those in low-risk regions. Even within the same state, rates differ between cities and even ZIP codes based on local factors like crime rates, proximity to fire stations and neighborhood claims history. Always compare quotes from multiple insurers since companies weigh these location factors differently, potentially saving you hundreds of dollars annually.
Filing a homeowners insurance claim feels overwhelming when you're already dealing with property damage, but knowing the process ahead of time helps you act quickly and protect your financial interests. The faster you report damage and document everything properly, the smoother your claim experience will be.
Call your insurer's claims number as soon as it's safe to do so. Most major insurers offer 24/7 claim reporting. Report your claim within 24 hours when possible. Some policies require notification within a specific timeframe.
When you call, you'll receive a claim number. Write this down and keep it handy for all future communications.
Take photos and videos of all damage before making any temporary repairs. Capture wide shots showing the overall scene, then close-ups of specific damage. Don't forget less obvious areas like water stains on ceilings or damaged electrical outlets.
Create a written inventory of damaged items, including purchase dates and approximate values when possible. Keep receipts for emergency repairs and additional living expenses if you can't stay in your home.
Your insurer will assign an adjuster to inspect the damage and estimate repair costs. Be present during this inspection to point out all damage and ask questions about coverage. If the damage is extensive or you disagree with the adjuster's assessment, consider hiring a public adjuster to represent your interests.
Your insurer will provide a settlement offer based on the adjuster's report and your policy terms. Review this carefully and compare it against repair estimates from contractors. If you disagree with the amount, you can negotiate or request a re-inspection.
Remember that you'll pay your deductible out of pocket before insurance covers the remaining costs.
Don't wait to report damage, make major repairs before the adjuster inspects the damage or accept the first settlement offer without reviewing it carefully. Keep detailed records of all communications with your insurer.
Most insurers process straightforward claims within two to four weeks after completing their investigation. Complex claims involving extensive damage can take several months to resolve. Filing a homeowners insurance claim doesn't have to be a nightmare if you're prepared.
Coverage from the best homeowners insurance companies doesn't have to break the bank, but many people overpay without realizing it. The average homeowner can save hundreds annually by making strategic changes to their coverage and shopping habits. Here's how to cut your costs while keeping the protection you need.
Rate differences between insurers can be staggering. We found some insurers charge double or triple what others do for the same coverage in identical ZIP codes. Get quotes from at least three insurers to find the best combination of cost and coverage for your needs. You may save money by switching insurers.
Bundling your home insurance with your auto insurance policy usually saves about 5% to 25% on your homeowners premium. We analyzed bundling discounts from major insurers and found State Farm offers the highest discount at 25% and the cheapest bundle at $2,559 annually, though discounts and costs vary by provider.
Opting for a higher deductible can lower your annual house insurance cost. Our team found that increasing your deductible from $500 to $2,000 can save you an average of $500 per year on your premium. The key is choosing a deductible you can actually afford if disaster strikes, because you'll have to cover that amount out of pocket if you need to file a claim.
Your credit score impacts homeowners insurance rates in most states (except California, Hawaii, Massachusetts and Michigan), and the difference is major. Homeowners with good credit pay an average of $3,548 annually, compared to $6,711 per year for those with poor credit — a difference of over $3,000 based on credit score alone. Pay bills on time, keep credit card balances low and avoid opening unnecessary new accounts to gradually improve your credit score and qualify for lower insurance rates.
Home security improvements offer double benefits: protection and discounts. Monitored security systems can earn about 5% in premium reductions, while smoke and fire detection systems can often help you save between 5% and 10% on your home insurance premium. Water leak detection systems can be particularly valuable, with discounts ranging from 5% to 15%. Check with your insurer to see which systems qualify you for savings.
Location influences rates more than most homeowners realize. Details like how close you live to a fire station or your home’s proximity to a fire hydrant factor into what you pay. Local crime rates and natural disaster risk factor into your rate as well.
If you're house hunting, run insurance quotes before making an offer. A home that costs $50 more monthly to insure means $18,000 in additional costs over a 30-year mortgage.
Most homeowners miss money-saving opportunities hiding in plain sight. Insurance companies offer dozens of discounts that many customers never think to ask about.
Beyond the home safety system discounts mentioned above, loyalty discounts reward long-term customers who stay with the same insurer for several years. Claims-free discounts recognize homeowners who maintain clean records without filing frequent claims. These are often automatic, but it's worth confirming you're receiving them.
Don't assume your insurer knows about every discount you qualify for. When shopping or reviewing your policy, specifically ask about discounts that might apply to your situation.
Your coverage should evolve with your home's value and your belongings. Inflation means rebuild costs increase annually, but many policies don't automatically adjust over time. Underinsurance saves money upfront but costs more when you file a major claim.
If you're paying for $100,000 in personal property coverage but own $40,000 worth of belongings, you're wasting money. Use a home inventory app to document your possessions and right-size your coverage.
Finding the right homeowners insurance means matching coverage to your specific needs and budget. The cheapest policy isn't always the best value if it leaves you underprotected, while the most comprehensive coverage might include extras you don't need.
Use these factors to guide your search:
Our Best Home Insurance Company Matcher helps you find insurers that fit your specific situation, budget and coverage needs in just a few questions.
Find the home insurance provider that fits your personal needs and preferences.
“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
The best homeowners insurance company for you depends on what matters most, whether that's Amica's affordable rates, USAA's military-focused benefits or Chubb's premium service. Getting quotes from multiple insurers helps you understand your options and find the right balance of coverage and cost for your situation.
Here are answers to common questions about choosing the best home insurance company:
The best home insurance companies vary by what you prioritize, but our top picks include Amica for overall value and affordability, USAA for military members, AAA for budget-conscious homeowners, Farmers for discount opportunities and Chubb for premium customer service. Each excels in different areas, so the "best" depends on what matters most to you in a home insurance policy and company.
Amica consistently ranked as the most affordable option across nearly every homeowner profile we analyzed, with an average cost of $119 per month and competitive rates for various coverage scenarios. AAA also offers excellent value with an average monthly premium of $135, particularly for homeowners with poor credit or other high-risk profiles that typically face higher rates elsewhere.
Your location has the biggest impact on rates, with homes in areas prone to hurricanes, wildfires or crime costing much more to insure than properties in low-risk regions. Other major factors include your home's age and condition, your credit score (in most states), your claims history, chosen coverage limits and deductible.
Don’t let price be your only guide. A low-cost policy might seem like a bargain until it leaves you underinsured when it matters most. Before choosing an insurer, check customer service ratings from trusted sources like J.D. Power to ensure reliability. Also, think about the unique risks your home may face and look for companies that offer the right coverage add-ons to fit your situation.
Chubb earned our "Best Customer Experience" award and ranked second in the J.D. Power 2025 U.S. Home Insurance Study with a score of 705. For military members and their families, USAA stands out for its exceptional customer service reputation. It also earned the highest score in the J.D. Power Home Insurance Study with 737 out of 1,000 points.
Your dwelling coverage should equal the full cost to rebuild your home (not its market value), which often requires a professional appraisal or construction cost calculator. For personal property, inventory your belongings to determine adequate coverage limits and choose liability coverage that matches your total assets to protect against lawsuits.
It can be challenging to find the right homeowners insurance for your needs when you're looking to purchase a policy. MoneyGeek consulted industry experts, leaders and academics nationwide to provide insights on homeowners coverage to simplify the process for you.
Why Trust MoneyGeek to Help You Find the Right Home Insurance?
MoneyGeek's home insurance analysis draws from data provided by Quadrant Information Services, an insurance analytics firm. Our research approach combines premium data, customer satisfaction ratings, financial stability assessments, and coverage analysis to help consumers get accurate, relevant information when comparing insurers, though rates represent averages that may not reflect your individual circumstances.
Data Sources and Analysis
We analyzed premium data from major homeowners insurance carriers across all 50 states and evaluated companies based on multiple factors including affordability, customer service, financial stability, coverage options, and available discounts. Our evaluation incorporated J.D. Power customer satisfaction scores, AM Best financial ratings, and detailed coverage comparisons to identify which companies excel in different categories and offer the best value for specific homeowner needs.
Sample Homeowner Profile
For accurate rate comparisons, we built our analysis around a typical homeowner profile that reflects common demographics and property types:
Homeowner Demographics:
Property Characteristics:
Coverage Standards
Our base profile uses these coverage limits representing typical protection levels:
We also analyzed premium coverage scenarios with higher limits to evaluate companies across different protection levels and customer needs.
Evaluation Criteria
We picked our "best" companies by looking at more than just rates:
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
