Top Rated Home Insurance Companies

After crunching the data, these 10 home insurance companies stood out as consistently providing excellent policy options, strong customer service, and financial strength and stability. Purchasing a home owner’s insurance policy from one of these 10 companies will help to ensure that you’ll get the support and compensation you need to rebuild after a disaster.

1. Country Financial — Best Overall

Insurify Composite Score: 97
Company name: COUNTRY Financial
Founded in: 1925
Number of customers/policies: Over $3.5 billion in revenues
Awards and rankings:

‘A+’ financial rating from A.M. Best
Fortune 1000 company
Product highlights: Country Financial sells homeowners policies with basic coverage (for major catastrophes like fire, theft and the like), premier coverage (which adds in coverage for things like spilled paint and countertop burns) and combination coverage (which provides basic coverage on belongings and premier coverage on the home itself).

Available discounts: Country Financial offers multi-product, safe heating system, and home alarm system discounts on home insurance policies, among others.

2. USAA

Insurify Composite Score: 96
Company name: United Services Automobile Association
Founded in: 1922
Number of customers/policies: 11.9 million members
Awards and rankings:

‘A++’ financial rating from A.M. Best
Fortune 500 company
#20 on Fortune’s World’s Most Admired Companies® 2018 list
Product highlights: USAA is a financial services provider that accepts members only from military and ex-military households (widows, spouses and other family members of USAA members can also join). Many of the company’s benefits are geared towards military personnel, such as uniforms coverage for active duty or deployed members.

Available discounts: USAA offers loyalty, multi-product and home construction material discounts, among others.

3. Allstate

Insurify Composite Score: 92
Company name: Allstate Insurance Company
Founded in: 1931
Number of customers/policies: 16 million households
Awards and rankings:

‘A+’ financial rating from A.M. Best
2018 World’s Most Ethical Companies Honoree, Ethisphere Institute
Product highlights: Allstate has homeowners, condo, landlord, renters and mobile home insurance policies. Specific coverage options vary by state—for example, California homeowners can get a separate earthquake insurance policy attached to their basic homeowners policy.

Available discounts: Allstate offers new home, claim-free, and multi-product discounts, among others.

4. Shelter Insurance

Insurify Composite Score: 92
Company name: Shelter Insurance
Founded in: 1946
Number of customers/policies: 2.1 million policies
Awards and rankings:

‘A+’ financial rating from A.M. Best
Member of Business Insurance magazine’s “2017 Best Places to Work” list
Product highlights: Shelter Insurance offers both homeowners insurance and what it calls “dwelling insurance,” which provides basic, cash-value coverage for your home and belongings. The company also has policies for mobile homes, apartment buildings, and condos.

Available discounts: Shelter Insurance offers new home, claim-free, and alarm system discounts, among others.

5. Amica

Insurify Composite Score: 92
Company name: Amica Mutual Insurance Company
Founded in: 1907
Number of customers/policies: 1.6 million policies
Awards and rankings:

‘A+’ financial rating from A.M. Best
Member of Providence Business News’ 2018 Best Places to Work list
Product highlights: Amica has three different levels of home insurance coverage: standard (which includes structure, property and detached structure coverage); extended (which lets you tack on additional coverage such as home business or valuable items coverage); and premier (with even more options, including credit card and computer coverage).

Available discounts: Amica offers alarm system, loyalty, and multi-product discounts, among others.

6. Chubb

Insurify Composite Score: 92
Company name: Chubb Limited
Founded in: 1882
Number of customers/policies: $36 billion in premiums
Awards and rankings:

‘A++’ financial rating from A.M. Best
Most Preferred Insurer on 2017 Advisen Claims Satisfaction Survey Report
Product highlights: Chubb has homeowners, renters, and condo insurance policies. It also provides extra coverage options, such as equipment breakdown and flood insurance policies. Chubb has a HomeScan program, which sends a thermographer with an infrared camera to scan your home for potential issues.

Available discounts: Chubb offers multi-product, alarm system, and fire protection discounts, among others.

7. American Family

Insurify Composite Score: 90
Company name: American Family Insurance
Founded in: 1927
Number of customers/policies: 10.2 million policies
Awards and rankings:

‘A’ financial rating from A.M. Best
Fortune 500 company
Product highlights: American Family has homeowners, renters, mobile home, and condo insurance policies. You can also add coverage for home businesses, sewer back-ups, and identity theft, and other potential problems not included in the basic policy.

Available discounts: American Family offers multi-product, renovated home, and alarm system discounts, among others.

8. Liberty Mutual

Insurify Composite Score: 89
Company name: Liberty Mutual Insurance
Founded in: 1912
Number of customers/policies: $5.87 billion in premiums
Awards and rankings:

‘A’ financial rating from A.M. Best
Fortune 100 company
Product highlights: Liberty Mutual has homeowners, renters, landlord, mobile home, and condo insurance policies. The standard home insurance policy includes structure, personal property, liability, and living expense coverage (meaning the cost of living elsewhere while repairs are made). You can also buy extra coverage options such as valuables coverage and inflation protection.

Available discounts: Liberty Mutual offers multi-product, new home, and claims-free discounts, among others.

9. Auto Owners

Insurify Composite Score: 89
Company name: Auto-Owners Insurance Group
Founded in: 1916
Number of customers/policies: 2.7 million policyholders
Awards and rankings:

‘A++’ financial rating from A.M. Best
Fortune 500 company
Product highlights: Auto-Owners has homeowners, condo, renters, and mobile home insurance policies. It works solely through independent agents, arguing that this ensures a local, friendly face will be there to help out in case a customer needs to file a claim.

Available discounts: Auto-Owners offers multi-product, good payment history, and protective devices discounts, among others.

10. State Farm

Insurify Composite Score: 89
Company name: State Farm
Founded in: 1922
Number of customers/policies: 83.4 million policies
Awards and rankings:

‘A++’ financial rating from A.M. Best
Member of 2018 Fortune Magazine’s Most Admired Company list
Product highlights: State Farm sells homeowners policies as well as condo unit and renter’s insurance. It’s possible to apply and file claims online through the company’s website; State Farm also has local agents in brick-and-mortar offices.

Available discounts: State Farm offers multi-product, home alert, and roofing discounts, among others.