{"id":325256,"date":"2025-11-11T20:47:56","date_gmt":"2025-11-12T01:47:56","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=97531"},"modified":"2025-11-12T14:18:37","modified_gmt":"2025-11-12T19:18:37","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/","title":{"rendered":"The Best Homeowners Insurance Companies of 2025"},"content":{"rendered":"\n    <script src=\"\/\/insurance.mediaalpha.com\/js\/serve.js\"><\/script>\n\n                                    \n                            \n<script>\n\n    \/\/ Flag used to automatically load results if zipcode is present in URL\n    var loadResults = '' ? true : false;\n    var urlParams = [];\n    var correlationId = \"8a7e02cf-2f4e-4db1-a289-4a29b1dd09bd\";\n\n    window.placement_id = 'mUwlKDtyKQ53FROgUE2Dqi_DIZaQ0Q';\n\n    var MediaAlphaExchange = {\n        data: {\n            zip: '',\n        },\n        placement_id: placement_id,\n        sub_1: '',\n        sub_2: '',\n        sub_3: '',\n        version: '17',\n    };\n\n    cohesion('ready', function() {\n        \/\/ Do something now that Cohesion is done\n        MediaAlphaExchange.sub_1 = window._Tagular.webContext.page.url;\n        MediaAlphaExchange.sub_2 = window._Tagular.webContext.sessionId;\n        MediaAlphaExchange.sub_3 = correlationId;\n\n    });\n<\/script>\n\n\n<div class=\"samepage-form\"  data-preamp=\"\" style=\"display:none\"   >\n    <div class=\"samepage-form__form\">\n            <script>\n    var insuranceType = 'home';\n<\/script>\n\n        <div class=\"samepage-form__fields\" >\n\n                <div class=\"samepage-form__form\" >\n            <div class=\"samepage-form__fields\" >\n            <div class=\"samepage-form__bottom\">\n                <h3 class=\"samepage-form__heading\">Find the Best Home Insurance<\/h3>\n                <div class=\"samepage-form__form-group samepage-form__single-line\">\n                    <div class=\"samepage-form__input-container samepage-form__input-container_radios samepage-form__radio-container\">\n                        <label class=\"samepage-form__input-label\">Are you currently insured?<\/label>\n                        <div class=\"samepage-form__radio-group-input\" >\n                            <input id=\"radio-insured-yes\" type=\"radio\" name=\"currently_insured\" value=\"1\" checked >\n                            <label for=\"radio-insured-yes\" class=\"samepage-form__radio-input samepage-form1__radio-input-left\">Yes<\/label>\n                            <input id=\"radio-insured-no\" type=\"radio\" name=\"currently_insured\" value=\"0\"  >\n                            <label for=\"radio-insured-no\" class=\"samepage-form__radio-input samepage-form1__radio-input-right\">No<\/label>\n                        <\/div>\n                    <\/div>\n                    <div class=\"samepage-form__input-container\">\n                        <input id=\"samepage-form__grid-check-input\" class=\"samepage-form__zip-inputs\" name=\"zipcode\" type=\"text\" placeholder=\"Zip Code\" value=\"\" data-tag=\"fieldInput\"data-tag-field-type=\"INPUT\"data-tag-form-type=\"ZIPFORM\"data-tag-form-name=\"SERVICEABILITY\"\/>\n                    <\/div>\n                    <div class=\"samepage-form__input-container samepage-form__home-button\">\n                        <button id=\"samepage-form__grid-check-submit\" class=\"reviews-btn--primary\" data-tag=\"formSubmit\"data-tag-location=\"ZIPFORM\"data-tag-text=\"Compare Rates\"data-tag-outbound-url=\"{{current_url}}\">Compare Rates<\/button>\n                    <\/div>\n                <\/div>\n                <p id=\"samepage-form__grid-check-error-message\" class=\"samepage-form__error-message\">Please enter a valid zip code<\/p>\n            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n        <\/div>\n    <div id=\"samepage-form__grid\" class=\"samepage-form__grid\">\n        <div class=\"samepage-form__grid-results-info\">\n            <p id=\"samepage-form__grid-number\" class=\"samepage-form__grid__number\"><\/p>\n            <p class=\"samepage-form__grid-instructions\">Click at least <strong> 2-3 companies <\/strong> to find the very best rate.<\/p>\n        <\/div>\n        <ul id=\"samepage-form__grid-results\" class=\"samepage-form__grid-results\"><\/ul>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Based on the latest independent satisfaction and claims studies, complaint data, and financial strength checks, Amica Mutual is our top overall pick for service and claims experience; Erie and Auto-Owners also stand out for value and claims support.<\/li>\n\n\n\n<li>These top home insurance companies were chosen using up-to-date factors including unique and abundant discounts, customizable endorsements, strong financial strength, current customer satisfaction and claims results, complaint ratios, and state-by-state availability.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The 7 Best Homeowners Insurance Companies of 2025<\/h2>\n\n\n\n<ul>\n<li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners<\/a>: Best for Value and Claims Support<\/li>\n\n\n\n<li><a href=\"#amica\" rel=\"nofollow\" class=\"achor-toggles\">Amica<\/a>: Best Overall Service and Claims Experience<\/li>\n\n\n\n<li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\">Nationwide<\/a>: Best for Flexible Endorsements and Bundling<\/li>\n\n\n\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best for Bundling Savings<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best for Military Families<\/li>\n\n\n\n<li><a href=\"#erie\" rel=\"nofollow\" class=\"achor-toggles\">Erie<\/a>: Best Regional Value and Service <\/li>\n\n\n\n<li><a href=\"#njm\" rel=\"nofollow\" class=\"achor-toggles\">NJM<\/a>: Best for Policy Dividends<\/li>\n<\/ul>\n\n\n\n<p>Given the significant financial investment a home represents, insurance is a recommended protection and is commonly required by mortgage companies if your home is financed. When it comes to choosing a provider, options and availability can vary by state. This review reflects current conditions and incorporates recent independent satisfaction results (J.D. Power\u2019s 2024 U.S. Home Insurance Study and 2025 U.S. Property Claims Satisfaction Study), NAIC complaint data, AM Best financial strength, and updated pricing benchmarks (NAIC 2022 actuals and Bankrate\u2019s 2024 modeled averages) to help you find the right fit.<\/p>\n\n\n\n<p>Reviews.com benchmarks average premiums using the latest official NAIC data (countrywide average about $1,544 in 2022) and more current modeled rates from Bankrate (around $1,759 nationally in 2024 for a standard profile). We also compare discounts, coverage options, and third-party evaluations. Compare quotes from home insurance providers in your state to help you get the best homeowners insurance rate available. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare the Top Home Insurance Companies <\/h2>\n\n\n\t\t\n<section id=\"block_5fa00e996cea7\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fa00e996cea7-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,165<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa00e996cea7-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Amica<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,644<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>854<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa00e996cea7-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,042<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>812<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa00e996cea7-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,458<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa00e996cea7-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$992<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>882<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa00e996cea7-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$897<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa00e996cea7-7\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='7'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">NJM<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$355<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>*Based on $250,000 dwelling coverage<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>; USAA is not ranked by J.D. Power due to eligibility requirements <\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Best Home Insurance Companies<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Auto-Owners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall Home Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is our top selection for homeowners insurance of the companies we reviewed. The company has excellent third-party reviews for customer satisfaction and financial strength, plus it offers a variety of discounts and add-ons that allow homeowners to design a customized policy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is our top selection for homeowners insurance of the companies we reviewed. The company has excellent third-party reviews for customer satisfaction and financial strength, plus it offers a variety of discounts and add-ons that allow homeowners to design a customized policy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>12 possible discounts<\/li>\n                            <li>Highly-rated for customer satisfaction<\/li>\n                            <li>Guaranteed home replacement cost coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online or mobile claim-filing capabilities<\/li>\n                                        <li>No online quote option<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Pay in full<\/li>\n<li>Paperless billing<\/li>\n<li>Mortgage-free<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Identity theft<\/li>\n<li>Sewer or drain backup<\/li>\n<li>Ordinance or law coverage<\/li>\n<li>Extended personal property<\/li>\n<li>Equipment breakdown<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Auto-Owners Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\" target=\"_blank\" rel=\"noopener\">Auto-Owners Car Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"amica\" title=\"Amica\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Amica<\/h2>\n\n\n                                                \n\n\n<section id=\"amica\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Amica<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Among our top companies, Amica receives the highest scores for customer satisfaction by J.D. Power, for companies considered eligible for ranking. In addition, the company offers a few unique options for extended coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=323259-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">854*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Among our top companies, Amica receives the highest scores for customer satisfaction by J.D. Power, for companies considered eligible for ranking. In addition, the company offers a few unique options for extended coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Highly-rated for customer satisfaction<\/li>\n                            <li>Unique extended coverage options<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>AM Best downgraded financial strength in 2017<\/li>\n                                        <li>Lengthy quote process<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Claims-free<\/li>\n<li>Multi-policy<\/li>\n<li>New\/remodeled home<\/li>\n<li>Alarm system<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Catastrophic coverage<\/li>\n<li>Valuable items<\/li>\n<li>Identity fraud<\/li>\n<li>+30% dwelling replacement limit<\/li>\n<li>Home business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Amica Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\">Amica Home Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Nationwide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide<\/h2>\n\n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Add-On Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide may be a great choice for policyholders looking for specific optional coverages that can fill gaps in your standard policy. Some of the add-ons available from Nationwide include Brand New Belongings coverage, Better Roof Replacement coverage, extended replacement cost, and law\/ordinance coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316830-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">812*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide may be a great choice for policyholders looking for specific optional coverages that can fill gaps in your standard policy. Some of the add-ons available from Nationwide include Brand New Belongings coverage, Better Roof Replacement coverage, extended replacement cost, and law\/ordinance coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Superior financial strength ratings from AM Best<\/li>\n                            <li>Unique add-on coverage options<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Lower-than-average customer satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Home purchase<\/li>\n<li>Multi-policy<\/li>\n<li>Home renovation<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water back up<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extended replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better roof replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Brand new belongings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ordinance and law<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Nationwide Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\" target=\"_blank\" rel=\"noopener\">Nationwide Homeowners Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Allstate\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you are looking for affordable home insurance, Allstate offers several options to help you potentially lock in or lower your rate. With Allstate\u2019s Claim RateGuard and Deductible Rewards programs, your premium won\u2019t change after filing your first claim, and you can get $100 off your deductible for each year you stay claim-free, up to $500.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you are looking for affordable home insurance, Allstate offers several options to help you potentially lock in or lower your rate. With Allstate\u2019s Claim RateGuard and Deductible Rewards programs, your premium won\u2019t change after filing your first claim, and you can get $100 off your deductible for each year you stay claim-free, up to $500.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Multiple premium savings opportunities<\/li>\n                            <li>Digital home insurance tools and apps<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Average customer satisfaction rating<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Auto-pay<\/li>\n<li>Homebuyer discount<\/li>\n<li>10% welcome discount<\/li>\n<li>Early signing discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>ID theft<\/li>\n<li>Eco-friendly improvements<\/li>\n<li>Sports\/musical equipment<\/li>\n<li>Yard and garden<\/li>\n<li>Water backup<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\" target=\"_blank\" rel=\"noopener\">Allstate Homeowners Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"USAA\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA exclusively sells insurance to active duty and retired military personnel, as well as their eligible spouses and children. If you are a member of the Armed Forces, USAA may be a top choice for home insurance, as it has excellent customer satisfaction ratings and competitive premiums, based on 2021 quoted annual premiums from Bankrate.com.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">882*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA exclusively sells insurance to active duty and retired military personnel, as well as their eligible spouses and children. If you are a member of the Armed Forces, USAA may be a top choice for home insurance, as it has excellent customer satisfaction ratings and competitive premiums, based on 2021 quoted annual premiums from Bankrate.com.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong financial and customer satisfaction ratings<\/li>\n                            <li>Mobile claim filing and tracking<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited available discounts<\/li>\n                                        <li>Only available to former and active military and their families<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Claims-free<\/li>\n<li>Home security system<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul>\n<li>Home sharing<\/li>\n<li>Earthquake<\/li>\n<li>Identity theft<\/li>\n<li><span style=\"font-weight: 400;\">Vehicle base storage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\" target=\"_blank\" rel=\"noopener\">USAA Homeowners Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie\" title=\"Erie\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Erie<\/h2>\n\n\n                                                \n\n\n<section id=\"erie\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">ERIE<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Basic Home Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                For homeowners who are only looking for a basic policy with standard coverage, Erie may be worth considering. The company offers 24\/7 customer support and has high customer satisfaction ratings, in addition to low premiums \u2014 based on our evaluation of average annual rates. Plus, every policy includes replacement cost coverage if you make basic home improvements, depending on your state.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316528-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior) AM Best Rate<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                For homeowners who are only looking for a basic policy with standard coverage, Erie may be worth considering. The company offers 24\/7 customer support and has high customer satisfaction ratings, in addition to low premiums \u2014 based on our evaluation of average annual rates. Plus, every policy includes replacement cost coverage if you make basic home improvements, depending on your state.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong financial ratings from AM Best<\/li>\n                            <li>Above average claim satisfaction scores<\/li>\n                            <li>24\/7 customer support<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not available in all states<\/li>\n                                        <li>No home insurance mobile app or online claims<\/li>\n                                        <li>Limited discounts<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Smoke\/burglary alarm system or automatic sprinkler system<\/li>\n<li>Advanced quote<\/li>\n<li>Multi-policy<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul>\n<li>Water backup and sump pump<\/li>\n<li>Identity theft<\/li>\n<li>Service lines<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Erie Insurance Reviews <\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\" target=\"_blank\" rel=\"noopener\">ERIE Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"njm\" title=\"NJM\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">New Jersey Manufacturers<\/h2>\n\n\n                                                \n\n\n<section id=\"njm-home-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">NJM Home Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Policy Dividends<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                New Jersey Manufacturers (NJM) is unique among the best insurers for its dividend policies. NJM policyholders have the opportunity to recoup a portion of their premiums at the end of the year based on company performance, which may help you save money on home insurance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=362270-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                New Jersey Manufacturers (NJM) is unique among the best insurers for its dividend policies. NJM policyholders have the opportunity to recoup a portion of their premiums at the end of the year based on company performance, which may help you save money on home insurance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Bundling discounts available<\/li>\n                            <li>Opportunity to receive dividends<\/li>\n                            <li>Variety of endorsements<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not rated by J.D. Power<\/li>\n                                        <li>Some coverages and discounts are not available in every state<\/li>\n                                        <li>Limited online tools and resources<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Smoke alarm\/fire sprinkler system<\/li>\n<li>Retired homeowner<\/li>\n<li>Backup or portable generator<\/li>\n<li>Non-smoker<\/li>\n<li>Storm shutters and hurricane glass<\/li>\n<li>Pay in full<\/li>\n<li>Electronic payment<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Scheduled personal property<\/li>\n<li>Credit card fraud<\/li>\n<li>Valuable items<\/li>\n<li>Identity theft fraud<\/li>\n<li>Family liability<\/li>\n<li>Fungi, wet\/dry rot, and bacteria<\/li>\n<li>Supplemental loss assessment<\/li>\n<li>Water backup\/sump pump<\/li>\n<li>Earthquake insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More NJM Insurance Reviews<\/h4>\n                <div> <p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/#:~:text=In%20J.D.%20Power's%202019%20U.S.,insurance%20companies%20on%20the%20list.&amp;text=Policyholders%20can%20get%20new%20car,reimbursement%2C%20and%20even%20pet%20insurance.\"><span style=\"font-weight: 400;\">NJM Auto Insurance Review<\/span><\/a><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance <\/h2>\n\n\n\n<p>Premiums have risen markedly since 2021. For context, the latest official NAIC countrywide average homeowners premium was about $1,544 in 2022, and more current modeled averages from Bankrate indicate roughly $1,759 nationally in 2024 for a standard $300,000 dwelling policy. The table below reflects sample averages for $250,000 in dwelling coverage and may not mirror current prices.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Homeowners Insurance Company<\/strong><\/td><td><strong>Average Annual Premiums*<\/strong><\/td><\/tr><tr><td>Citizens Property<\/td><td>$4,086<\/td><\/tr><tr><td>American National<\/td><td>$3,682<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\">Amica<\/a><\/td><td>$2,644<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\">Farmers<\/a><\/td><td>$1,980<\/td><\/tr><tr><td>Chubb<\/td><td>$1,630<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/the-hartford-review\/\">The Hartford<\/a><\/td><td>$1,609<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm<\/a><\/td><td>$1,503<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate<\/a><\/td><td>$1,458<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\">American Family<\/a><\/td><td>$1,295<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\">Travelers<\/a><\/td><td>$1,269<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\">Nationwide<\/a><\/td><td>$1,042<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA<\/a><\/td><td>$992<\/td><\/tr><tr><td>Erie<\/td><td>$897<\/td><\/tr><tr><td>Union Mutual<\/td><td>$887<\/td><\/tr><tr><td>Virginia Farm Bureau<\/td><td>$886<\/td><\/tr><tr><td>Quincy<\/td><td>$852<\/td><\/tr><tr><td>Farm Bureau<\/td><td>$619<\/td><\/tr><tr><td>Mercury<\/td><td>$614<\/td><\/tr><tr><td>Texas Farm Bureau<\/td><td>$566<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Based on $250,000 of dwelling coverage<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bundling Your Home and Auto Insurance <\/h2>\n\n\n\n<p>Bundling home and auto insurance is a popular option offered by top home insurance companies. Insurance providers may offer up to a <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\">10% to 25% discount<\/a> on premiums when customers bundle home and car insurance with the same company, with some carriers advertising lower caps on the auto side (around 5%) and higher caps on the homeowners side (up to about 29%), depending on the brand and state. If you\u2019re shopping for affordable home or auto insurance, bundling can streamline the process and potentially save money on both policies. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_60b7ba19bb0fe\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the best home insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">While our review includes some of the most widely-known names in the industry and may provide useful metrics for comparison, the best home insurance for each person will depend on their budget, coverage needs, and which state they live in. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5ef4fc9ea3723\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does home insurance cost?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on a review of average annual premiums for $250,000 in dwelling coverage, the average cost of home insurance is $1,312 a year, according to 2021 data from Bankrate.com.<\/span><span style=\"font-weight: 400;\"> However, your coverage and limits will affect rates, among other factors unique to you and your home.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodologies<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Home Insurance Methodology<\/h3>\n\n\n\n<p>We evaluated the companies based on recent independent satisfaction and claims studies, regulatory complaint indices, financial stability, availability, and coverage options to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with service and claims. We measured this using <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power\u2019s 2024 U.S. Home Insurance Study<\/a> ratings and findings from J.D. Power\u2019s 2025 U.S. Property Claims Satisfaction Study.<\/li>\n\n\n\n<li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li>\n\n\n\n<li>Customer Experience \u2014 The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.<\/li>\n<\/ul>\n\n\n\n<p>Rates and benchmarks draw on the latest NAIC homeowners averages (2022 actuals) and Bankrate\u2019s 2024 modeled rates. These are sample benchmarks and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is homeowners insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Homeowners insurance is a type of insurance policy designed to provide coverage against damage, theft, and other types of loss when you purchase a home. Since homes are typically the biggest investment you\u2019ll make in your lifetime, it\u2019s essential to have an insurance policy to protect it.\"}},{\"@type\":\"Question\",\"name\":\"What does home insurance cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Home insurance typically cover the cost of repairing your home\u2019s structure, the cost of replacing your personal property within the home, liability coverage for property damage or bodily injury that you cause, and living expenses if your home becomes uninhabitable.\"}},{\"@type\":\"Question\",\"name\":\"How much does home insurance cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"According to the Insurance Information Institute, the average person in the U.S. pays $1,211 per year, although this varies by state. Policies are cheapest in Idaho, where homeowners can expect to pay around $730 in premiums. Louisiana has the most expensive coverage with a typical home insurance policy priced at $1,968.\"}},{\"@type\":\"Question\",\"name\":\"How does homeowners insurance claims work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Usually, you would file a claim either online, if your insurer allows it, or by calling your agent. A claims adjuster will be assigned to you, and he or she will work with you to assess repairs needed and determine an appropriate payout. For more on when and how to file a claim, check out our guide to filing a claim.\"}}]}<\/script><!--FAQPage Code Generated by https:\/\/saijogeorge.com\/json-ld-schema-generator\/faq\/-->\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report The 7 Best Homeowners Insurance Companies of 2025 Given the significant financial investment a home represents, insurance is a recommended protection and is commonly required by mortgage companies if your home is financed. When it comes to choosing a provider, options and availability can vary by state. This review reflects current conditions and [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":360298,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[21174],"post_author":[6067],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Home Insurance Companies 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of homeowners insurance companies takes a look at availability, financial strength, and more to help you find the best fit for your home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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