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.

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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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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Allstate allows you to design your coverage based on the type of home you own and the lifestyle you enjoy. Additionally, according to their agents, "Allstate has optional features to offer you protection when you need it and rewards when you don't." These include their Claim RateGuard, which "helps keep your rate from going up just because of a claim."
They also offer incentives for switching to them if you have a clean claim record. Furthermore, they provide a useful feature that lets you see the coverage options available in each state, so you know what you're getting before you sign up.

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.


I have used Travelers Insurance my whole life!

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.

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.


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 premium with Progressive, though.
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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.

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.