Best Homeowners Insurance Companies of 2026

Amica earned the second-highest rating on J.D. Power's home insurance customer survey, behind only USAA. In addition, Amica only gets around one-third as many complaints as an average company its size. So if your home or something in it is damaged, Amica's quick claims process and great service will help you get repairs made quickly.

Amica also has some of the best rates, along with a good set of discounts. Home insurance from Amica costs an average of $1,521 per year. That's 30% cheaper than the national average.

The main downside of Amica home insurance is its limited coverage options. You can choose between two packages — standard or platinum.

There are a few customizations you can add on, such as coverage for water backups or replacing belongings if they're lost or stolen. But some useful coverage choices aren't available, such as equipment breakdown or guaranteed replacement coverage to pay to rebuild your home, no matter what it costs.

NJM's home insurance is extremely affordable. At $942 per year, home insurance from NJM costs less than half the national average of $2,159 per year. In addition, NJM has lots of discounts to help lower your rates. This includes a discount for homeowners over the age of 65, which makes NJM one of the best home insurance companies for seniors.

NJM also offers lots of ways to personalize your coverage, including fungi and rot protection and extra protection for valuable items, like jewelry.

Since NJM is only available in 5 states , many people can't buy a policy.

Unlike many other midsize insurance companies, you can get a quote for NJM home insurance online. But the company doesn't have an app where you can manage your policy or file a claim. That means you'll have to log into its online portal or contact an agent if you want to change your coverage or report damage.

Erie's home insurance policies automatically include extra coverage that you have to pay for with other companies.

For example, you'll get guaranteed replacement cost coverage, which pays to rebuild your home no matter how much it costs. Plans also include coverage for lost and stolen belongings. In comparison, most basic policies won't pay to replace items you lose. This can be very useful if you lose your cell phone in a restaurant or your wedding ring slips off at the beach.

The main downside of Erie is it's only available in 12 states and Washington, D.C. So many people can't get a policy. If you can't get a policy from Erie, you should consider another regional company like NJM or Auto-Owners instead.

Erie is not a good choice if you want to get insurance online. To get a quote or buy a policy, you'll have to work with an agent who sells Erie insurance. You also can't file a claim online, but you can use your online account to check the status of your claim.

State Farm offers online quotes, so you can quickly compare rates when shopping for home insurance. It also has a highly rated app, where you can easily file a claim, make changes to your policy or pay your bill.

State Farm also has some of the best home insurance rates, compared to other major companies. At $1,514, home insurance from State Farm is 30% cheaper than the national average.

State Farm is also a very popular insurance company. In fact, it's the largest home insurance company in 39 states and Washington, D.C..

The main downside of State Farm home insurance is that its policy options are fairly basic. If you want to customize your policy, Auto-Owners will give you a better set of coverage options. And if you have an expensive home, Chubb is a better choice.

In addition, State Farm doesn't always get the best customer reviews. Although it earned an above-average rating from J.D. Power, State Farm gets 23% more customer complaints than an average company its size. Most complaints are about State Farm's long claims process, so it may take longer to fix your home after it's damaged.

State Farm has also stopped selling home insurance in California. Even though its rates have been steady overall, State Farm may not be a good choice if you live in a high-risk area.

In addition to the standard types of home insurance coverage, Chubb offers specialty benefits such as wildfire defense, home scans to find issues, risk consulting and the option to get a cash payout if your home is destroyed.

Policies also include a property manager service for second homes at risk of hurricane damage. After a storm, Chubb can send an inspector to check your home, send you a report, start a claim for you and arrange for urgent repairs.

Plus, you can get high liability limits of up to $100 million so that you'll have protection if there's an injury on your property.

Chubb's coverage options aren't a good fit if your home has a moderate value or you need a typical home insurance policy. A company like Amica is better for most people because you'll have coverage options that are more relevant and the ability to manage your policy online.

The variety of coverage options means you can get a policy that covers most types of damage. You can also build a policy with only the add-ons you want because coverage options are sold individually, rather than as a package.

Auto-Owners even has unique options, such as inland flood coverage. This is a great way for homes with low or moderate flood risk to get protection against water damage, without having to buy a separate flood policy.

Plus there are unique ways to save on home insurance, such as a discount for having a backup generator.

Auto-Owners home insurance isn't always the best deal. Rates vary widely based on where you live. Auto-Owners is cheap in Georgia and Colorado, but it's expensive in Indiana, North Carolina and Utah. If Auto-Owners is giving you expensive quotes, try State Farm, which has consistently cheap rates for most people.

And Auto-Owners' customer satisfaction is middle-of-the-road. You're not likely to have major issues because the company gets very few formal complaints. But it has a poor rating from J.D. Power, so you might not have the friendly or efficient service that you'd get with Amica.

Farm Bureau has a wide network of agents that take a hands-on approach. They'll work with you to get you a home insurance policy, and they'll check in with you each year to review your coverage. This can help you stay on top of changes that can affect your policy, such as if you add a pool or get a dog.

Farm Bureau home insurance is also a great choice for families who want to bundle home and car insurance. It has cheap rates for teenage drivers, and you can combine deductibles for home and car insurance. So if there's a big storm that damages both your roof and car, you'll only have to pay one deductible.

Farm Bureau is not a great choice if you want to manage your policy online, without talking to an agent.

Plus, Farm Bureau's rates for home insurance policies have been getting more expensive in recent years. And you don't have as many options to customize your policy as you do with other companies. For example, you can't add on coverage for underground utility lines or water damage caused by backed-up pipes. If you want a policy with lots of coverage options, choose Auto-Owners home insurance.

With Allstate's add-on for green improvements coverage, your insurance will pay for energy-efficient items, even if it costs more than what you currently have. So if you have to replace your water heater after it's damaged, Allstate will give you extra money to get a better water heater that's more energy efficient.

Energy-efficient improvements can save you money for years by lowering your utility bills. That's why Allstate has a better green coverage option than Farmers and Travelers, which focus on one-time costs like using recycled materials.

Plus, Allstate's homeowners insurance rates are reasonable. And its many discounts can help you get a good deal.

Allstate's customer service is average, so you can expect a fairly typical experience when dealing with the insurance company.

Allstate might not be the best insurance for homes in high-risk areas. Allstate has stopped selling home insurance in California. It's also pulling back in Florida. So if you have a high-risk home and are able to get an Allstate policy now, potential changes in the future could mean that you won't be able to renew the policy.

American Family has a unique discount that helps you save on insurance if you've replaced your plumbing, electrical and heating. And if you're currently fixing up your home, American Family offers a great add-on to cover home renovations. It will cover building materials and tools, even if they're in storage. It will also cover your home's foundation issues if it's damaged from the changing pressure in the soil around your home.

American Family's other great perk is a diminishing deductible, which gives you a $100 credit toward your deductible for every year you don't make a claim.

American Family's home insurance rates are generally expensive, but its many discounts can make policies affordable. The company offers more discounts than most competitors, including a smart home security system discount, a renovation discount, an age-of-home discount, a loyalty discount and payment discounts.

American Family doesn't have outstanding customer service. But it's still better than average for its claims process. That means you can trust it to come through for you if your home is damaged. However, you might still have some frustrations when working with the insurance company.

The United Services Automobile Association (USAA) combines great features with outstanding customer service. You can manage your policy online, and USAA will also connect you with contractors to help with any repairs. This is a great perk if you have home damage while you're deployed.

Plus, USAA's home insurance policies automatically include replacement cost coverage, which pays the full cost to replace items that are damaged, rather than considering their age and condition and paying you less. Most other companies charge extra for this.

You can only get USAA insurance if you're connected to the military, including active duty, National Guard, the reserves, a veteran or a family member of someone who's eligible.

USAA's home insurance is not as cheap as its car insurance. However, USAA's policies may still be affordable because they include more coverage, and the company offers many discounts. For example, you can save 15% for not having a recent claim, 10% for bundling with auto insurance and 5% for having a policy for at least three years.