Top 10 Best Homeowners Insurance Companies

For most people their home is the single largest purchase they'll ever make. That's why it is so important to protect it with the best homeowners insurance you can get. In most instances, having homeowners insurance is mandatory so you'll want to make sure you have the coverage that is right for you.

Below is a list of the best homeowners insurance companies sorted by price, coverage, customization ability, and customer service.
The Top Ten
1 Liberty Mutual Liberty Mutual is a Boston-based insurance company that has been in business since 1912. Offering various customizable home insurance policies, they are particularly known for providing comprehensive coverage and an easy claims process.

Liberty Mutual is a breeze to work with. They offer personal property replacement, 24-hour repairs for damage, and multi-policy discounts. They even have "additional living expense coverage" where, if you can't stay in your home due to a covered loss, they will provide extra coverage for living expenses, enabling your family to maintain its normal standard of living. Not only do you get all those benefits, but it's also one of the least expensive options on the market.

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2 State Farm State Farm is one of the largest providers of homeowners insurance in the United States. Founded in 1922, the company offers a wide range of coverage options and is known for its strong financial stability and customer service.

They also have multi-policy discounts to offer, as well as discounts for things like having deadbolt locks and fire extinguishers - they really stress the preventative measures you can take to safeguard your home. After all, why make a claim if you can avoid the hassle to begin with? They are really easy to work with and will get a quote back to you in a matter of minutes.

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3 Allstate Allstate is a well-known insurance provider that was founded in 1931. The company offers numerous options for homeowners insurance, including discounts for multiple policies and features such as claim-free rewards.

Fantastic company and my local agent, The Pollick Agency in Beaver, PA, has done a great job at helping us choose our coverage levels and explaining what all of it means!

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4 Farmers Farmers Insurance was founded in 1928 and is headquartered in Los Angeles, California. The company provides an array of home insurance policies and is known for its innovative policy customization options and strong claims service.

Aside from the comical commercials, Farmers offers many things to the homeowner. They do a good job of educating you as to what the coverage means, how much you need, and what is or isn't covered. Their customer service is one of the best, though you pay a little extra for that peace of mind. All in all, you can't go wrong with a Farmers plan as long as it meets your needs.

5 USAA USAA is a San Antonio-based company that primarily serves military personnel and their families. Established in 1922, it offers a range of home insurance options with exclusive discounts and benefits for its membership base.
6 Travelers Insurance Travelers Insurance, founded in 1853, is one of the oldest insurance companies in the United States. Specializing in various insurance products, including homeowners insurance, the company is praised for its competitive pricing and financial reliability.

I have used Travelers Insurance my whole life!

7 Nationwide Nationwide, headquartered in Columbus, Ohio, has been in the insurance industry since 1926. The company offers a variety of home insurance policies, complemented by add-ons like flood and earthquake coverage.

They'll cover your possessions by replacing them with a brand new version. They have fast processing times. Bundling home and auto will get you a 20% discount, and you get a dedicated agent to help you figure out what you need for your home.

8 Geico Geico is primarily known for auto insurance but also offers comprehensive homeowners insurance policies. Established in 1936, the company offers competitively priced policies and is famous for its easy-to-use online platform.

Though they don't underwrite their policies themselves, Geico can usually find you the best deal on your homeowners insurance. They manage your policy in-house, and you get discounts for multi-policy programs. So if you already have your vehicle insurance with Geico, you might as well cash in on the discount and let them manage your home too.

9 Amica Amica is a Rhode Island-based insurance company that has been in business since 1907. Specializing in home and auto insurance, Amica is noted for its high customer satisfaction ratings and flexible coverage options.
10 Progressive Progressive is a widely recognized insurance provider that was founded in 1937. Although the company initially specialized in auto insurance, it has expanded to offer a range of home insurance policies, known for their customizable features.

A very informative website and the ability to customize your coverage make Progressive a good choice for your homeowners plan. While it can be the cheapest option, there are enough add-ons to build into your plan, and your cost can grow pretty quickly. Coverage is a premium with Progressive though.

The Contenders
11 AmFam AmFam, or American Family Insurance, is headquartered in Madison, Wisconsin and was established in 1927. The company provides a diverse set of homeowners insurance options and is known for its strong focus on customer service.

You get a dedicated agent to help you build your policy with American Family. They will often provide accommodations (hotel) in the event you are forced out of your house due to damage. They also have very good liability coverage in case of accidents involving you or someone else while on your property.

12 ANPAC ANPAC, or American National Property and Casualty Company, was founded in 1973. Based in Springfield, Missouri, ANPAC offers various home insurance policies and is known for its personalized service and efficient claims process.
13 Mercury Mercury Insurance, founded in 1961, is headquartered in Los Angeles, California. The company offers an array of insurance products, including home insurance, and is praised for its affordable rates and straightforward policies.
14 Esurance Esurance was founded in 1999 as an online-only insurance provider. Acquired by Allstate in 2011, the company is known for its convenient online platform and competitive pricing on homeowners insurance.

Typical 24/7 claim filing with their customer service, protection against property theft and damage, and the ability to get discounts on your policy are the top 3 reasons to go with Esurance. They also offer online policy management and flexible payment options.

15 Lemonade Lemonade is a technology-driven insurance company that was founded in 2015. Leveraging artificial intelligence and machine learning, Lemonade offers quick and easy homeowners insurance policies with an automated claims process.
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