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Best homeowners insurance companies for July 2022

Updated Jul 21, 2022
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Bankrate’s insurance editorial team reviewed more than 50 homeowners insurance companies across the nation, paying particular attention to those ranked highly by third parties in key market areas. We found that USAA and State Farm may be great choices for many homeowners, while Lemonade topped our list for providing tech-savvy and low-cost home insurance. However, the best home insurance company for you will be a carrier that offers the coverage types, discounts, policy features and other attributes that most closely meet your needs.

Compare top-ranked home insurance companies in July 2022

Company name Best for AM Best rating J.D. Power rating
USAA* Overall A++ (Superior) 882/1,000
State Farm Overall A++ (Superior) 835/1,000
Erie Robust coverage A+ (Superior) 835/1,000
NJM Unique discounts A+ (Superior) Not rated
Lemonade Digital experience Not rated Not rated
Amica Customer service A+ (Superior) 854/1,000
Nationwide High-value home coverage A+ (Superior) 812/1,000
Allstate Educational insurance resources A+ (Superior) 829/1,000

*Not officially ranked with J.D. Power due to eligibility restrictions

Best home insurance companies in detail

Best home insurance company overall

JD Power:
882 /1000
AM best:
A ++
Avg. annual premium for 250k dwelling
$ 978

Why USAA may be best overall: Although USAA only offers coverage to active-duty military and veterans, as well as their immediate families, the company has consistently high customer service scores, robust coverage options and low average premium. It ranked as one of the best home insurance companies overall in our 2022 Bankrate Awards. Unique add-ons, such as coverage for military uniforms for active duty or deployed policyholders, are also offered.

Availability: Coverage is available in all states for policyholders that meet USAA’s eligibility criteria.

*Not officially ranked with J.D. Power due to eligibility restrictions

How to get started: You can get a USAA home insurance quote by calling 800-531-8722 or visiting one of its few office locations. Online quotes are also available for home insurance.

Best home insurance company overall

JD Power:
835 /1000
AM best:
A ++
Avg. annual premium for 250k dwelling
$ 1360

Why State Farm may be best overall: State Farm is a highly rated, financially strong insurer with more than 19,000 local exclusive agents throughout the U.S. It tied with USAA for best home insurance companies overall in our 2022 Bankrate Awards. Compared to other home insurance companies, State Farm’s agency footprint is abundant, which might be attractive if you like handling your insurance needs locally and in person.

Availability: Coverage is available in all states except Massachusetts and Rhode Island.

How to get started: State Farm makes getting a homeowners insurance quote easy. You can get a quote online, call 800-782-8332 or visit a State Farm agency in your area.

Best home insurance company for robust coverage

JD Power:
835 /1000
AM best:
A +
Avg. annual premium for 250k dwelling
$ 959

Why Erie may be best for robust coverage: Erie offers numerous coverage options, from water backup to guaranteed home replacement coverage, to help you personalize a policy that fits your specific coverage needs. Erie is a super-regional insurer, so it is only an option for homeowners in 12 states and Washington, D.C. But if you live in an area that Erie services, you may find the insurer appealing for its numerous optional coverage types, high overall customer satisfaction scores and strong financial standing.

Availability: Coverage is available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, Washington, D.C., West Virginia and Wisconsin.

How to get started: Erie only provides quotes through its distribution network of local independent agents. The company’s website has a tool that could help you find an agent and even select a preferred language.

Best home insurance company for unique discounts

JD Power:
N/A
AM best:
A +
Avg. annual premium for 250k dwelling
$ 373

Why NJM may be best for unique discounts: New Jersey Manufacturers, or NJM, is a regional property and casualty insurer, but may be one of the best home insurance companies for homeowners who want a host of savings opportunities. The company’s premiums are far below the national average, and plenty of discounts are available — like savings for having a backup generator, a home alarm system or storm shutters (in some states). However, keep in mind that the specific type of generator, alarm system or storm shutters may affect the savings you receive.

Availability: Coverage available in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

How to get started: You can get an NJM quote by calling 800-232-6600 or using the online quote tool.

Best home insurance company for digital experience

JD Power:
N/A
Demotech:
A
Avg. annual premium for 250k dwelling
N/A

Why Lemonade may be best for digital experience: Lemonade’s artificial intelligence and digital-first approach to underwriting home insurance is innovative and allows the carrier to offer useful online tools and, according to the insurer, lower-cost policies. Rather than maintaining brick-and-mortar agencies, Lemonade operates via a highly rated mobile app. The interface can process simple claims incredibly quickly; the fastest claim time recorded was just three seconds.

Availability: Coverage available in Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington, D.C. and Wisconsin.

*Rate data is unavailable for Lemonade, and it has not yet been reviewed or rated by J.D. Power or AM Best for home insurance. However, the company has been rated by Demotech for financial stability and received a letter grade of “A,” which is considered exceptional. J.D. Power also awards Lemonade the top position for renters insurance in its 2021 Home Insurance Study.

How to get started: Lemonade is known for its technology. Home insurance quotes can be obtained online or through the mobile app. If you need to talk to a representative, you can call 844-733-8666.

Best home insurance company for customer service

JD Power:
854 /1000
AM best:
A +
Avg. annual premium for 250k dwelling
$ 2851

Why Amica may be best for customer service: Amica’s consistently highly rated claims service may be ideal for policyholders seeking a positive customer service experience. The company earned the top spot in the 2022 J.D. Power Property Claims Study, which it has held for ten consecutive years since 2012. Its high customer satisfaction performance is coupled with “Superior” financial strength, as rated by AM Best.

Availability: Coverage is available in all states except Alaska and Hawaii.

How to get started: Amica has an online quoting tool that you can use, or you can call 800-242-6422 for a home insurance quote.

Best home insurance company for high-value home coverage

JD Power:
812 /1000
AM best:
A +
Avg. annual premium for 250k dwelling
$ 1075

Why Nationwide may be best for cheap rates for high-value homes: Offered through its Nationwide Private Client subsidiary, the company’s rates are particularly competitive for high-value homes, based on Bankrate’s study of 2022 quoted annual premiums. Compared to the national average premium for homes that carry $750,000 in dwelling coverage, which averages $3,414 per year, Nationwide’s rates average $2,884 per year — a difference of $530.

Availability: Coverage is available in all states except Alaska, New Mexico, Louisiana, Florida, New Jersey and Massachusetts.

How to get started: You can get a homeowners insurance quote from Nationwide in a few ways, such as by using the online quote feature, calling 877-669-6877 or by working with a local independent agent that represents the company.

Best home insurance company for educational insurance resources

JD Power:
829 /1000
AM best:
A +
Avg. annual premium for 250k dwelling
$ 1300

Why Allstate may be best for educational resources: Abundant informational resources can help policyholders better understand their home insurance policy and make informed choices about coverage. Allstate offers numerous educational resources on its website to help first-time buyers navigate the homeowners insurance buying process. For example, Allstate’s Common and Costly Claims tool provides information about the most common and expensive insurance claims by ZIP code, which can help you assess the need for specific coverage options on your policy.

Availability: Coverage is available in all states.

How to get started: Allstate offers online home insurance quotes. If you prefer working with an agent, you could call 866-702-6500 or visit a local Allstate agency.

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Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in

Additional home insurance companies to consider

Best home insurance company for luxury home coverage

JD Power:
N/A
AM best:
A ++
Avg. annual premium for 250k dwelling
$ 1763

Why Chubb may be best for luxury home coverage: If you own a luxury home, Chubb’s specialized homeowners insurance policies offer risk consulting, which involves a trained risk consultant evaluating your home’s features to determine your home’s rebuilding cost. In addition, Chubb offers a HomeScan tool, which may help homeowners identify potential issues before they cause property damage claims.

Availability: Coverage is available in all states.

How to get started: Chubb sells its coverage exclusively through local independent agents. You can use the company’s Find an Agent tool to locate a Chubb office in your area.

Best home insurance company for home warranties

JD Power:
810 /1000
AM best:
A
Avg. annual premium for 250k dwelling
N/A

Why Safeco may be best for home warranties: Home insurance isn’t designed to cover normal wear and tear, but Safeco offers homeowners the added perk of a home warranty, in partnership with American Home Shield, that can help with various types of unexpected expenses. A Liberty Mutual company, Safeco offers numerous home insurance endorsements that could allow customers to tailor their coverage to their unique needs, including equipment breakdown coverage, service line coverage and identity theft coverage. You can even round out your coverage with a home warranty that could help pay for damage that standard property insurance typically doesn’t cover, like normal deterioration.

Availability: Coverage is available in all states except Delaware, Hawaii and Washington, D.C.

How to get started: Safeco allows you to start quotes online, but policies must be purchased from an independent agent.

How Bankrate picked the best homeowners insurance companies

To find the best homeowners insurance companies, Bankrate’s insurance experts first looked at each carrier’s market share percentages, customer satisfaction ratings from the 2021 J.D. Power U.S. Home Insurance Study and 2021 J.D. Power U.S. Property Claims Satisfaction Study, and financial strength ratings from major credit rating agencies. We also reviewed average premium information to assess each carrier’s affordability, as well as discount opportunities to maximize further savings. Our final list of the best homeowners insurance companies includes carriers that feature a variety of coverage options, a combination of competitive rates and discount options, plus unique options that allow you to personalize your policy to your needs.

How to compare the best home insurance companies

Each of the home insurance companies listed here have unique strengths, but not all of them will be the best fit for your needs. Before comparing the carriers, first consider your priorities. Whether that includes diverse policy options, discounts or quality customer service, knowing what your expectations are helps narrow down the list of companies from which to request a quote. During the quoting process, you’ll be able to get an estimate of how much your homeowners insurance policy might cost. You can also ask any questions about a carrier’s coverage details so that you can make the most informed choice about your policy’s inclusions.

What is the best homeowners insurance company for bundling home and auto?

Bundling home and auto insurance means you are buying both policies from the same company. Most companies offer a discount on both auto and home policies (and sometimes other policies as well) as an incentive to policyholders. This has the potential to make both policies cheaper than if you were to purchase the policies from two separate insurance companies. To help give you an idea of how much you could potentially save by bundling policies, we checked each carrier’s website or contacted them to see how significant each company’s bundling discount could be.

Keep in mind that the best carrier for you will depend on your individual needs and preferences. One way to find the right fit for your needs is to make a list of the features you are looking for in both your home and auto insurance policies. Then you can get quotes from several carriers who might match your needs.

Home insurance company Potential typical bundle discount*
USAA Up to 10%
State Farm Up to $1,127 annually
Erie Up to 20%
NJM Not stated
Lemonade Not stated
Amica Up to 30%
Nationwide Up to 20%
Allstate Up to 25%

*Note that potential discount amounts for bundling are taken directly from the carrier website and are subject to change. Additionally, there is no guarantee that you would receive the discount advertised by the insurance company. If you want more information about bundling discounts from your insurance company, contact your insurance agent.

What is homeowners insurance?

Homeowners insurance protects your finances if your home is damaged or destroyed by a covered peril. Your policy will likely also include liability coverage, which provides you with essential financial protection if someone is hurt on your property or their belongings are damaged and you are found at fault.

Home insurance isn’t required by law, but if you have a mortgage or home loan, your lender will likely require you to have a policy. Even if your home is paid off, industry experts strongly recommend you consider purchasing home insurance coverage. A home insurance policy is designed to help you avoid financial stress or devastation if your home is extensively damaged by a covered loss.

What does homeowners insurance cover?

Home insurance covers damage to your home, detached structures and personal property from the losses indicated in your policy. Your liability exposure is likely also covered. Standard policies typically contain these coverage types:

  • Dwelling coverage: This is the main coverage in homeowners insurance and covers your home and any attached structures from certain types of damage, like fire, vandalism and wind.
  • Other structures coverage: Also called “detached structures coverage,” this is usually 10-20% of your dwelling amount and covers things like fences, sheds, gazebos, detached garages and in-ground swimming pools.
  • Personal property coverage: This part of your policy covers your belongings, like your furniture, clothing and decor. Your personal property coverage is generally 50-75% of your dwelling amount, although you might be able to increase it if necessary.
  • Liability coverage: If you damage someone’s belongings or if someone is hurt on your property and you are found at fault, your liability coverage may pay the damages and your legal fees.
  • Additional living expenses: Additional living expenses (ALE), also known as loss of use, pays the costs of living while away from your home if it’s uninhabitable due to damage caused by a covered property claim.

Most standard home insurance policies also include medical payments to others coverage, which pays for guest injuries regardless of fault, up to the coverage limit. Keep in mind too that all policies are different; you can often add endorsements to bolster your policy with more coverage. And home insurance comes in several different types, all of which cover different types of losses.

Types of homeowners insurance policies

Given the wide variety of homes, there are many different types of homeowners insurance policies for every situation. While the standard HO-3 policy is what we typically refer to when discussing homeowners insurance, there are actually eight different policy types, each one best suited for a different type of home or insurance need:

  • HO-1: As the most basic type of home insurance, an HO-1 policy provides coverage for the structure of your home for named perils only. There is no coverage for your personal belongings, additional living expenses or liability. Insurers rarely use this policy form.
  • HO-2: This policy type offers expanded coverage for personal property, liability and additional living expenses, but for named perils only.
  • HO-3: Widely considered the standard home insurance policy, this policy type comes with all the coverage options in the HO-2 plus medical payments coverage. Unlike the first two types of home insurance policies, the dwelling in an HO-3 is covered on an open perils basis.
  • HO-4: An HO-4 is intended for renters as a solution to insure their personal belongings and provide liability coverage. As renters are not homeowners, this policy does not insure the structure of their home.
  • HO-5: As an open-peril policy, an HO-5 expands coverage for dwelling and personal belongings to all perils except those specifically excluded.
  • HO-6: A condominium owner’s policy insures the interior of their unit, as the exterior and shared spaces may be covered by the master condominium policy. It also insures the owner’s personal belongings and provides liability coverage.
  • HO-7: An HO-7 insurance policy is for mobile homes and manufactured homes, such as RVs, trailers, modular homes and sectional homes. It insures both the structure of the home, as well as personal belongings and liability, medical expenses and additional living expenses.
  • HO-8: The HO-8 policy type is a named peril policy that only covers 10 perils. It is intended for homes where the repair or replacement cost may be higher than its resale value, such as older or historical homes, or architecturally significant homes.

Types of home insurance discounts

Most major home insurance companies offer home insurance discounts that could help lower your premium. Some common categories include:

  • Protective devices and home monitoring discounts: Home insurance companies often offer this type of discount as an incentive for homeowners to be proactive about protecting their home with smoke alarms, security devices or a professional monitoring service.
  • Claims-free discount: Some home insurance companies offer an additional discount If you have been claims-free for a set number of years.
  • Restoration discount: These discounts are often earnable if you have recently done qualifying renovations or restorations on your home. Some companies may also offer a discount if you rebuild your home using green materials.
  • Billing discounts: Whether you enroll in paperless billing, automatic payments, or pay-in-full, you could earn an additional discount on your home insurance.

How to choose the best homeowners insurance policy

Dozens of home insurance companies might be available in your area, so how do you choose the right provider for you? Here’s a few steps you can take:

  1. Understand your needs. Do you live in an area where wind damage is common? How much would your home cost to rebuild? Do you have specialty belongings that might need additional coverage? Understanding what you need from a home insurance company is often the first step to choosing the best carrier for your circumstances.
  2. Determine what matters to you. Would you feel more comfortable with a local agent who knows the area and can help you navigate the insurance buying process? Or do you like to handle your policies digitally? Is customer service important to you? Analyzing third-party reviews might help you decide if a company will be a good fit.
  3. Shop around. Once you know what you are looking for in a policy, you can get quotes from several different property insurers. Most companies offer a different combination of optional coverage types and discounts, so getting a minimum of three quotes helps you compare, according to the Insurance Information Institute (Triple-I). Also, insurance costs can vary significantly between companies, even for the same level of coverage.
  4. Reevaluate your coverage occasionally. Life changes, and your insurance should change with it. If you experience a life event — maybe you get married, have a child or suffer a home insurance loss — you should talk to your insurance company or agent to evaluate your coverage needs. This helps to ensure you have the coverage and policy features that work best for you. The Triple-I recommends conducting an annual insurance review with your agent to ensure you have the right amounts and types of coverage.

Working with a licensed insurance agent can be very helpful during the process of purchasing homeowners coverage. An agent can assess your needs and help you choose the options that are best for you.

How to find the best homeowners insurance policy in five common scenarios

How to buy homeowners insurance

Once you are ready to purchase homeowners insurance, here is an overview of steps to follow:

  1. Estimate what you need to be insured. Starting with your home, consider the square footage, remodels or renovation and any external structures like a swimming pool or detached garage that needs to be insured. Also take inventory of personal belongings, especially if you have any high-value items that might need a separate endorsement.
  2. Calculate how much coverage you need. After thinking about what and how much you own, you can start to determine your dwelling, personal property and liability coverage amounts. An insurance agent can also help review the coverage limits to ensure you have the right amount of insurance. Depending on where your home is located, you may also need flood or earthquake insurance, which is purchased separately.
  3. Choose which insurance companies to request a quote from. Researching the top home insurance companies can reveal financial strength ratings and customer service reviews, which can help you narrow down your options. Requesting quotes will give you a better picture of policy offerings, estimated premiums and discount opportunities. Requesting quotes from more than one carrier will give you the best chance to see which company offers the best coverage for your needs and budget. Additionally, depending on how you want to manage your policy, this can be a great way to familiarize yourself with the company’s online services or connect with local insurance agents.
  4. Finalize the policy. Once you have made a decision, you’ll need to make a payment to bind, or finalize, the policy. If you are switching carriers, you can choose to have your new policy begin when the old one ends, or you have your new policy start immediately. If that’s the case, you’ll need to issue a request to your old insurance company to cancel the policy and request a refund for any unused premium.

How much does home insurance usually cost?

Nationally, the average cost of homeowners insurance is $1,383 per year for $250,000 in dwelling coverage. This is up about $70 from 2021. While this is useful for comparison, the typical cost of homeowners insurance will vary widely depending on personal rating factors, such as the location of your home, the year it was built and square footage. Requesting quotes from multiple carriers will give you a range of how much your home insurance is expected to cost.

Why location matters when choosing the best home insurance for you

Home insurance companies use multiple rating factors to determine your annual premium, and location — including state, city, ZIP code, claims history and proximity to a fire station and fire hydrants — can have a substantial impact on the cost of home insurance coverage. Nationally, the average cost of homeowners insurance is $1,383 per year for $250,000 in dwelling coverage. However, different areas of the country come with distinct risk factors, which affect premiums. For example, a homeowner living along the coastline may need to consider how hurricanes might affect their property, while someone in the Rocky Mountain region may need to consider the impacts of heavy snow and wildfires.

Becoming familiar with your state’s risks and common causes of loss could help you make a more educated decision regarding your homeowners insurance coverage. Links to Bankrate’s picks for the best homeowners insurers in your state are included in the table below.

Average cost of home insurance by state
State Average annual premium* Average monthly premium*
Alabama $1,597 $133
Alaska $1,001 $83
Arizona $1,216 $101
Arkansas $2,104 $175
California $1,084 $90
Colorado $1,863 $155
Connecticut $1,216 $101
Delaware $681 $57
Florida $1,648 $137
Georgia $1,373 $114
Hawaii $378 $32
Idaho $858 $72
Illinois $1,376 $115
Indiana $1,180 $98
Iowa $1,290 $108
Kansas $2,800 $233
Kentucky $1,820 $152
Louisiana $2,009 $167
Maine $944 $79
Maryland $1,136 $95
Massachusetts $1,274 $106
Michigan $1,292 $108
Minnesota $1,880 $157
Mississippi $1,840 $153
Missouri $1,647 $137
Montana $1,752 $146
Nebraska $2,849 $237
Nevada $874 $73
New Hampshire $731 $61
New Jersey $775 $65
New Mexico $1,939 $162
New York $1,289 $107
North Carolina $1,317 $110
North Dakota $1,872 $156
Ohio $1,119 $93
Oklahoma $3,593 $299
Oregon $704 $59
Pennsylvania $786 $66
Rhode Island $1,221 $102
South Carolina $1,165 $97
South Dakota $2,035 $170
Tennessee $1,644 $137
Texas $1,860 $155
Utah $668 $56
Vermont $668 $56
Virginia $924 $77
Washington $899 $75
Washington, D.C. $897 $75
West Virginia $1,089 $91
Wisconsin $928 $77
Wyoming $902 $75
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in

Frequently asked questions

Written by
June Sham
Insurance Writer

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute