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.
Best Homeowners Insurance Companies in 2025
Updated: October 21, 2025
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Key Takeaways
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.
Homeowners insurance costs vary based on personalized factors like your location, home value and coverage needs. Compare quotes from multiple providers to find the best cost and coverage.
Top Homeowners Insurance Companies
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 |
Amica
Best Overall Home Insurance Company
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.9/5Customer Experience
3.6/5Coverage Options
Average Annual Premium
$1,428Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleAverage Monthly Premium
$119Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleJ.D. Power Customer Satisfaction Score
705/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.
USAA
Best for Military
MoneyGeek Rating
4.8/ 5
4.8/5Affordability
5/5Customer Experience
4.7/5Coverage Options
Average Annual Premium
$2,233Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleAverage Monthly Premium
$186Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleJ.D. Power Customer Satisfaction Score
737/1,000*From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000. *USAA earns a score but is not ranked due to its eligibility requirements.
AAA
Best Value
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
3.8/5Customer Experience
4.8/5Coverage Options
Average Annual Premium
$1,623Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleAverage Monthly Premium
$135Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleJ.D. Power Customer Satisfaction Score
Varies by AAA ClubFrom the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.
Farmers
Best Discount Opportunities
MoneyGeek Rating
4.4/ 5
4.8/5Affordability
4.3/5Customer Experience
3.5/5Coverage Options
Average Annual Premium
$2,251Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleAverage Monthly Premium
$188Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleJ.D. Power Customer Satisfaction Score
631/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.
Chubb
Best Customer Experience
MoneyGeek Rating
4.4/ 5
4.3/5Affordability
4.6/5Customer Experience
4.4/5Coverage Options
Average Annual Premium
$4,431Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleAverage Monthly Premium
$369Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductibleJ.D. Power Customer Satisfaction Score
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.
Other Home Insurance Company Reviews
Compare rates and coverage from other homeowners insurance providers we evaluated:
Best Homeowners Insurance by State
We analyzed top-rated home insurers in each state based on their affordability, customer satisfaction and available coverage options. The table below shows the best home insurance 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 |
MONEYGEEK EXPERT TIP
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.
How to File a Homeowners Insurance Claim: Step-by-Step Guide
A homeowners insurance claim can be stressful when you’re already dealing with damage. Knowing what to do ahead of time helps you act quickly and protect your finances, while quick reporting and good documentation make the process easier.
- 1Contact Your Insurance Company Immediately
Once it’s safe, call your insurer’s claims line to report the damage. Most major insurers accept claims 24/7, and it’s best to do this within 24 hours if possible. Some policies also specify a time limit for reporting, so check your terms.
When you file the claim, you’ll receive a claim number — keep it somewhere accessible for future updates and communication.
- 2Document Everything Thoroughly
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.
- 3Meet With the Insurance Adjuster
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.
- 4Review Your Settlement Offer
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.
COMMON MISTAKES TO AVOID
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.
How to Save on Homeowners Insurance
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.
Compare Quotes From Multiple Providers
We found some insurers charge double or triple what others do for identical coverage in the same ZIP codes. Get quotes from at least three insurers to find the best rate. You may save money by switching insurers.
Bundle Home and Auto Insurance
Bundling your home and auto insurance saves 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. Discounts and costs vary by provider.
Raise Your Deductible Strategically
Opting for a higher deductible can lower your annual house insurance cost. Our team found that increasing your deductible from $500 to $2,000 saves an average of $500 per year. Choose a deductible you can afford if disaster strikes, since you'll need to cover that amount out of pocket when filing a claim.
Improve Your Credit Score
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 rates.
Consider Location and Risk Factors
Location influences rates more than most homeowners realize. Distance to a fire station or fire hydrant, local crime rates and natural disaster risk all affect what you pay.
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.
Maximize Available Discounts
Insurance companies offer dozens of discounts most customers never request. Loyalty discounts reward long-term customers. Claims-free discounts recognize clean records. New home discounts apply to recently built properties. Protective device discounts cover burglar alarms and deadbolt locks. Retirees may qualify for savings since they're home more often.
Ask your insurer about all applicable discounts when shopping or reviewing your policy.
Review Coverage Limits Annually
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. Being underinsured saves money up front but costs more when you file a major claim.
How to Find the Best Homeowners Insurance Provider for You
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:
- Compare coverage limits, not just premiums: Understand what home insurance covers so a lower rate with inadequate dwelling coverage doesn't cost you thousands after a claim.
- Research customer service and reputation: Check J.D. Power ratings, state complaint data and online reviews on sites like Trustpilot to understand how insurers handle claims and customer support.
- Consider your home's unique risks: Older homes, flood-prone areas and high-crime neighborhoods require different coverage priorities.
- Factor in available discounts: Bundling policies, security systems and loyalty programs can reduce your actual premium.
- Match the insurer to your preferences: Some home insurance companies excel at digital service, others provide local agents, and a few specialize in high-value homes.
Our Best Home Insurance Company Matcher helps you find insurers that fit your specific situation, budget and coverage needs in just a few questions.
Best Home Insurance Company Matcher
Find the home insurance provider that fits your personal needs and preferences.
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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
Top-Rated Home Insurance Companies: Bottom Line
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.
Finding the Best Homeowners Insurance: FAQ
Here are answers to common questions about choosing the best home insurance provider:
What are the best home insurance companies?
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.
Who has the cheapest homeowners insurance?
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, especially for homeowners with poor credit or other high-risk profiles who tend to receive higher rates from other insurers.
What factors affect the cost of a home insurance policy?
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.
How do you choose the best homeowners insurance company?
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.
Which home insurance company has the best customer service?
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.
How much homeowners insurance coverage do I need?
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.
Homeowners Insurance: Expert Insights
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.
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Our Methodology: How We Determined the Best Home Insurance Companies
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:
- Ages 41 to 60 with good credit scores (769 to 792 range)
- No recent claims history
- Financially stable with standard risk profile
Property Characteristics:
- Home built in 2000
- Wood-frame construction with composite shingle roof
- Standard safety features and building materials
- $250,000 replacement value
Coverage Standards
Our base profile uses these coverage limits representing typical protection levels:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 personal liability coverage
- $1,000 deductible
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:
- Affordability and Discounts: How competitive prices are for different types of homeowners, plus how many ways you can save money
- Customer Service: J.D. Power ratings and how satisfied customers actually are
- Financial Stability: AM Best ratings and whether the company can actually pay claims
- Coverage Options: What extra protection you can add to your policy
Home Insurance Companies: Related Articles
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.