A burst pipe or an unexpected storm can cause significant damage, leaving you with a big bill and a similarly sized headache. This is why homeowners insurance exists: to protect your finances from these and other scenarios. But with countless insurance providers offering their services, it’s not always easy to find the best one for your coverage needs.
That’s why we evaluated the top homeowners insurance companies across coverage scope and limits, endorsements and flexibility, financial strength, and more to bring you a comprehensive list of the seven best home insurance providers of 2026. We even included some runners-up, just in case they’re a better fit.
Learn more: Is homeowners insurance required? The answer might surprise you.
7 best homeowners insurance providers
Chubb: Best overall
Travelers: Best for claims experience
Erie Insurance: Best for high coverage limits
Nationwide: Best for balanced coverage
American Family Insurance: Best for coverage add-ons
Liberty Mutual: Best for customer experience
USAA: Best for military and veterans
1. Chubb: Best overall
Pros
Cons
Offers excellent standard coverage options
Substantially low number of complaints
Holds an AM Best Financial Strength Rating of A++ (Superior)
Star rating: 4.6 out of 5 ⭐
Why we like Chubb homeowners insurance
From our research, Chubb offers some of the best standard homeowners insurance options, including replacement cost value (RCV) with no depreciation as the default coverage for personal property.
You can also get additional living expenses (ALE) without a stated limit in certain locations. Meaning, you don’t have to worry about hitting a cap as long as the ALE coverage is sticking to reasonable expenses.
Among the providers we researched and compared, Chubb scored highest across multiple sections, including financial strength. This is evidenced by a low NAIC complaint index and an A++ (Superior) AM Best Financial Strength Rating.
(Note: AM Best is an independent, global credit rating agency that rates insurers on their financial strength — the higher the rating, the more financially secure the company.)
Read more: What is homeowners insurance? How it works and what it covers.
2. Travelers: Best for claims experience
Pros
Cons
Gives the option to file claims online or over the phone, and you can use a dedicated mobile app
You can access online quotes in most states without talking to an agent
Holds an AM Best Financial Strength Rating of A++ (Superior)
Star rating: 4.6 out of 5⭐
Why we like Travelers
Travelers hits the right notes to provide a high-quality customer experience, including your first step with the quote process. With Travelers, you don’t have to talk to someone over the phone; you can just access an online quote at your own pace and on your own time.
This online-friendly experience continues once you become a customer because you can file claims online rather than call in. You can even use a dedicated mobile app to manage your policy and claims.
Travelers falls short on a few endorsement options, but its standard coverage is solid, and it has a great reputation to back up its other offerings. It’s one of only a few providers on our list to receive an AM Best Financial Strength Rating of A++ (Superior).
Read more: How to get paid after a homeowners insurance claim
3. Erie Insurance: Best for high coverage limits
Pros
Cons
Offers guaranteed replacement cost (GRC) dwelling coverage
Provides extensive and detailed endorsement options
Holds an AM Best Financial Strength Rating of A (Excellent)
Star rating: 4.5 out of 5 ⭐
Why we like Erie Insurance
Erie Insurance is one of only a few providers on our list to offer guaranteed replacement cost with its dwelling coverage. This is typically better than extended replacement cost or actual cash value because you know your home’s repairs or building costs will be covered.
Erie also offers extensive add-on and endorsement options, with coverage details publicly available on its website, making it easy for you to customize your homeowners insurance policy.
While Erie most likely offers multiple claim payout options, we couldn’t find specific details online.
Read more: How much homeowners insurance do you need?
4. Nationwide: Best for balanced coverage
Pros
Cons
Offers comprehensive standard coverage options
Provides extensive endorsement options
Holds an AM Best Financial Strength Rating of A (Excellent)
Star rating: 4.4 out of 5 ⭐
Why we like Nationwide
Nationwide offers a wide range of useful coverage options, including additional living expenses, ordinance or law insurance, and the option to upgrade your personal property coverage to replacement cost value rather than actual cash value.
You can also choose from various endorsement options, such as water backup and sump overflow, scheduled personal property, equipment breakdown, and more.
While Nationwide has a lot of coverage options, it doesn’t make viewing specific details about coverage easy. You have to go through the quote process or talk to an agent.
Read more: Does homeowners insurance cover water damage?
5. American Family Insurance: Best for coverage add-ons
Pros
Cons
Provides extensive and detailed endorsement options
Substantially low number of complaints
Holds an AM Best Financial Strength Rating of A (Excellent)
Star rating: 4.4 out of 5 ⭐
Why we like American Family Insurance
American Family Insurance is one of only two providers on our list, along with Erie Insurance, to score the highest marks for its endorsement coverage. We found that American Family offered a wide range of add-ons and provided detailed information about each option.
Even after our research, it’s unclear whether American Family offers electronic payouts (or only uses checks). However, it’s a solid company, as evidenced by its AM Best Financial Strength Rating of A (Excellent) and its substantially low NAIC complaint index.
Learn more: What does homeowners insurance not cover?
6. Liberty Mutual: Best for customer experience
Pros
Cons
Gives the option to file claims online or over the phone, and you can use a dedicated mobile app
Provides multiple electronic payout options
Holds an AM Best Financial Strength Rating of A (Excellent)
Star rating: 4.3 out of 5 ⭐
Why we like Liberty Mutual
During our research, we found that Liberty Mutual emphasizes providing a superior customer experience. You can access a full online quote without speaking to an agent and view coverage options in detail.
You can also file a claim online or over the phone, and you have access to a dedicated mobile app if that better suits your needs. Unlike some providers on our list, Liberty Mutual offers multiple electronic payout options for successful claims, including bank account and PayPal transfers.
7. USAA: Best for military and veterans
Pros
Cons
Gives the option to file claims online or over the phone, and you can use a dedicated mobile app
Provides replacement cost value with no depreciation as the default for personal property coverage
Holds an AM Best Financial Strength Rating of A++ (Superior)
Star rating: 4.3 out of 5 ⭐
Why we like USAA
USAA is best known as a provider that exclusively serves military members and their families, which immediately rules out a lot of people from accessing its offerings.
However, if you’re able to secure a membership, USAA has solid financial backing and decent coverage options. We particularly like that its personal property coverage uses replacement cost value rather than actual cash value, though it’s unclear whether you can add equipment breakdown or service line coverage.
On the customer experience side, USAA does a good job of providing multiple ways to file claims, including using a mobile app.
Other homeowners insurance companies to consider
While these companies didn’t make our top list, they’re still worth considering, depending on your needs.
Auto-Owners Insurance
Star rating: 4.3 out of 5 ⭐
What we think: Auto-Owners Insurance scored well with its availability of endorsements and overall flexibility. It was also one of the best providers in terms of financial strength, but it fell slightly short with its online quote process because it didn’t provide many details and directed you to contact a local agent.
Farmers Insurance
Star rating: 4.1 out of 5 ⭐
What we think: Farmers Insurance had a standout score for its claims experience, providing options to file claims online or over the phone, and also giving customers the opportunity to use a mobile app.
However, while Farmers offered sufficient coverage, it didn’t necessarily exceed that of most other providers on our list. One coverage highlight is that it offers guaranteed replacement cost for dwelling coverage, even if the full cost to replace your home exceeds your policy limits.
Allstate
Star rating: 4 out of 5 ⭐
What we think: Allstate is the only provider on our list to achieve a perfect score for its transparency with coverage and the quote process. Meaning, you can access full quotes online, easily view details about specific types of coverage, and obtain sample policy contracts without making any sort of purchase or creating an account.
Allstate did fall short in a few areas, specifically with its available coverage, but we liked that it’s transparent about what it offers.
State Farm
Star rating: 4 out of 5 ⭐
What we think: State Farm scored average or above average in everything we researched, but didn’t really stand out against better providers on our list. One of State Farm’s better areas was its claims experience, as you can file claims over the phone or online, and it’s nice to have those options.
Progressive
Star rating: 3.5 out of 5 ⭐
What we think: Compared to the other providers on our list, Progressive scored rather poorly in our research. It’s fairly transparent about its coverage details and offers an online quote process, but it has an NAIC complaint index above the industry median, and its available coverage options weren’t necessarily better than those offered by competitors.
How to choose the best homeowners insurance
Assess your coverage needs
Standard homeowners insurance policies include:
Dwelling coverage: Covers the structure of your home, including the walls, floors, and roof. This insurance may also include coverage for attached structures, such as a garage.
Personal property coverage: Covers your belongings, such as furniture and electronics.
Personal liability coverage: Provides liability coverage if someone is injured on your property.
Loss of use coverage: Helps pay for additional reasonable expenses you incur, such as lodging and food costs, if you can’t stay in your home while repairs or rebuilding are underway.
In general, you want all of these coverage options, but you have to determine what coverage limits you need by calculating the cost of your home and belongings and figuring out how much risk you want to take on versus how much you want to pay.
Read more: 6 home improvements that could lower your home insurance costs
Consider endorsements and add-ons
In addition to the standard homeowners insurance coverage, you may want to consider adding endorsements to your policy. Here are some popular options:
Other structures coverage: Covers other structures on your property, such as a shed or detached garage, that aren’t attached to your home.
Additional replacement cost: Provides additional coverage for rebuilding your home, often without factoring in depreciation. This can be useful if building costs exceed your home’s value.
Water backup: Covers water damage from your sewer, sump pump, or similar system backing up.
Ordinance or law insurance: Helps cover the costs of meeting existing building codes if needed during repairs or rebuilding.
Valuables endorsement: Provides additional coverage for high-value items. Standard personal belongings coverage typically sets limits on replacement cost and may exclude certain high-value items.
Flood insurance: Covers you in case of flooding.
Earthquake insurance: Covers you from earthquake damage.
Learn more: How much does flood insurance cost in every state?
Compare providers
Once you’ve compiled a list of your coverage needs, it’s time to compare quotes between providers. You can use an agent or comparison website to quickly view offers from multiple companies at the same time, or you can individually research available providers on your own. There’s no right or wrong way; it just comes down to what you’re comfortable with and have the time for.
You can immediately rule out any provider that doesn’t offer the coverage limits or endorsements you’re looking for.
As you compare quotes and prices, remember to also consider whether a provider has a mobile app or online access, and how payouts work. It might be worth asking friends and family in your area about their experiences with different insurance companies.
Read more: How to shop for homeowners insurance
Homeowners insurance FAQs
What is the best insurance company for homeowners?
The best homeowners insurance companies include:
Chubb: Best overall
Travelers: Best for claims experience
Erie Insurance: Best for high coverage limits
Nationwide: Best for balanced coverage
American Family Insurance: Best for coverage add-ons
Liberty Mutual: Best for customer experience
USAA: Best for military and veterans
Should I bundle my home and auto insurance?
Bundling your home and auto insurance can be an easy way to save on your premiums and consolidate your insurance policies in one convenient location. This is especially true if your insurance provider offers a mobile app that lets you quickly manage your policies from just about anywhere.
How can I lower my home insurance premium?
Consider these strategies for lowering your home insurance premium:
Bundle policies: Bundling, such as buying both your auto and home insurance policies from the same provider, is often an easy way to save on coverage.
Stay loyal: It’s common for many insurance companies to offer a loyalty discount that adjusts depending on how long you’ve stayed with them.
Compare providers: While a loyalty discount is useful, it’s likely still worth taking the time now and then to see what’s available from other insurers. You can often switch providers without any negative impact, though whether you will be charged a cancellation fee depends on your plan.
Add home security: A home security system is a common way to protect your home, and insurance providers may offer a discount if you have one installed.
Adjust your coverage: Raising deductibles or lowering coverage limits is a quick way to lower your premiums. However, you should only do this after careful consideration of the potential benefits and risks.
How much does homeowners insurance cost?
The annual premium for homeowners insurance in the U.S. ranged from $893 to $1,907 in recent years, according to data from the Insurance Information Institute. However, different factors can affect the cost, with location playing a large role in determining the final price.
Read more: How much is homeowners insurance? A guide to lowering costs.
What does homeowners insurance cover?
Standard homeowners insurance policies typically cover the dwelling itself, personal belongings, and sometimes attached structures. They may also provide liability coverage if someone is injured on your property, as well as loss of use coverage if you have to find temporary housing while your home is uninhabitable for repairs or rebuilding.
Learn more: What exactly does homeowners insurance cover?
Methodology
Our list of the best homeowners insurance providers is based on a comprehensive rubric we created to compare national homeowners insurance providers according to various factors, including coverage scope and limits, endorsements, financial strength, and more.
We did not consider every available homeowners insurance company. We only considered companies that write standard homeowners policies in the U.S. under their own brand.
All of the providers on our list rank among the top U.S. homeowners insurance groups by multiple-peril market share, according to NAIC data. These providers also sell directly to consumers or through independent agents under nationally recognized brands.
