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 serves only military members, veterans and their families, charging some of the industry's lowest rates while including features other insurers charge extra for.

USAA includes replacement cost coverage and identity theft protection at no extra cost. Most competitors charge separately for these benefits. Military families get more protection than basic policies from other companies provide.

USAA tops customer satisfaction surveys because military families say the company understands their circumstances. The military-only focus lets USAA offer specialized services other insurers can't match. Eligible service members and veterans get competitive rates, full coverage and customer service built for military life.

Military members and their families pay $186 monthly on average through USAA, one of the cheapest options we found. The company packs more into standard policies than competitors do. Replacement cost coverage and identity theft protection come included while other insurers add separate charges for these features.

The table shows how USAA's rate compares to other insurers.

USAA scored 737 out of 1,000 points in the J.D. Power Home Insurance Study, the highest score. J.D. Power doesn't officially rank it because only military families qualify. Military families say USAA understands challenges like frequent moves and deployment coverage needs. File a claim while deployed overseas or adjust coverage during a move and USAA's team handles it quickly.

USAA offers extensive add-ons built for military families' needs, covering property and liability risks:

Property Protection:

• Home Protector: Boosts dwelling coverage by 25% for unexpected rebuilding costs or code upgrades.
• Water backup coverage: Pays for damage from water or sewage backing up through plumbing.
• Earthquake coverage: Protects your home and belongings from earthquake damage.
• Wildfire Response program: Protects your home from active wildfires in covered states.

High-Value Items:

• Valuable Personal Property (VPP): Covers jewelry, firearms and smartwatches without a deductible.
• Electronics coverage: Pays for accidental damage to computers, tablets, wearables and phones.
• Collectibles insurance: Covers vintage toys, model trains, military memorabilia and comic books.

Liability and Specialized Coverage:

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

AAA earned our "Best Value" award for combining solid protection with low rates, particularly for high-risk homeowners.

AAA charges some of the lowest premiums for homeowners insurers consider risky: poor credit, older homes and high fire-risk areas. The company holds an A rating from AM Best for financial stability. AAA's Triple Check service reviews your coverage to confirm you're getting full protection and every available discount.

AAA's membership structure lets it bundle insurance with other services, creating more ways to save through member benefits. The coverage addresses gaps standard policies miss, like service line protection and home systems coverage.

AAA members with credit challenges or hard-to-insure properties get reliable coverage at competitive rates.

AAA earned its "Best Value" award with an average monthly premium of $135, ranking among the cheapest options for homeowners who pay more elsewhere. The company charges competitive rates for high-risk profiles: poor credit, older homes and high fire-risk properties.

AAA offers personalized service through its Triple Check program: free coverage reviews that explain your insurance, find available discounts and confirm you're using all AAA membership benefits. This goes beyond standard insurance sales by building the right coverage for your needs and budget. The company's A rating from AM Best proves financial stability and reliability when paying claims.

AAA offers fewer coverage options than many competitors, but the choices address common gaps in standard policies:

• Service Line Coverage: Pays for damage to underground utilities like water, sewer or power lines.
• Home Systems Protection: Covers breakdowns of air conditioning, furnaces and water heaters.
• Inland Flood Coverage: Built for low to moderate risk areas, covering residential flood losses other policies exclude.

Farmers offers 14 different discounts, more than most competitors provide.

Our research shows Farmers charges affordable rates on average. The company helps customers cut premiums through discount programs, from bundling policies to installing safety features.

Farmers offers solid coverage with flexible customization, including guaranteed replacement cost coverage that pays full rebuilding costs regardless of policy limits. The agent-focused model means you work with a local representative who explains coverage and maximizes your discounts. Customers who want personalized service and lower premiums through discounts get strong value from Farmers.

Farmers charges an average of $188 monthly, ranking among the cheapest house insurers. Base rates aren't the absolute lowest, but the extensive discount program cuts your actual premium. With 14 discount opportunities, more than most competitors, qualifying homeowners save significantly through bundling, safety features and loyalty programs.

Farmers works through local agents who explain coverage options and discounts. This gives you a dedicated representative for policy questions and claims. The company's A rating from AM Best proves strong financial stability and reliable claim payments.

Farmers offers extensive customization beyond standard coverage:

Enhanced Dwelling Protection:

• Extended replacement cost: Pays up to 25% above policy limits if rebuilding exceeds your coverage.
• Guaranteed replacement cost: Pays full rebuilding costs regardless of policy limits.
• Building ordinance or law: Covers required code upgrades after damage.

Additional Property Coverage:

• Sewer and drain water damage: Pays for water backing up through drains and sumps.
• Scheduled personal articles: Enhanced coverage for jewelry, firearms and silverware.
• Identity shield: Professional help if your identity gets stolen.

Separate Policy Options:

• Flood insurance: Covers flood damage standard policies exclude.
• Earthquake insurance: Pays for earthquake damage homeowners policies don't cover.
• Personal liability umbrella: Adds $1 million to $10 million liability coverage beyond standard limits.

Chubb earned our "Best Customer Experience" award for personalized attention standard insurers don't provide.

Chubb ranked second in the J.D. Power 2025 Home Insurance Study with a score of 677 for superior customer care. The company includes complimentary home appraisals with risk consultants who visit your property, confirm full protection and give security advice.

Chubb holds an A++ rating from AM Best for outstanding financial stability. Customers know claims get paid reliably. The company offers innovative services like HomeScan technology that finds hidden problems before damage occurs, plus replacement cost coverage that rebuilds your home exactly as it was.

Chubb charges higher premiums than average, but exceptional service and unique benefits suit homeowners who want superior protection and personalized attention over basic coverage.

Chubb charges an average of $369 monthly for comprehensive coverage and superior service. This runs higher than the national average but includes extensive features other insurers don't offer or charge extra for: 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 first in 2024. Risk consultants conduct complimentary home appraisals, note details that make your house a home and give security and fire prevention advice. During claims, Chubb arranges temporary housing, including homes in your school district when possible. The A++ AM Best rating confirms financial strength and prompt claim handling.

Chubb offers comprehensive coverage with unique features beyond standard policies:

Enhanced Protection:

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

Innovative Services:

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

Additional Benefits:

• Flexible settlements: Choose cash payments instead of replacement for damaged belongings.
• Comprehensive extras: Covers tree removal and lock replacement.