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Julia Taliesin is an insurance writer for Compare.com. An expert in personal finance and insurance topics, she began her career as a reporter, covering local business and government in Somerville, Massachusetts. Her reporting included local budgets and municipal finances, building development, and public health.
More recently, Julia uses her writing skills to simplify and explain complex insurance topics, including auto, home, renters, pet, travel, and more. She’s passionate about empowering readers with the knowledge to make more informed decisions with their money.
Julia earned a Bachelor’s degree in communications with a focus in journalism from Simmons University.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
While a home is definitely a pricey purchase, home insurance coverage is still a significant expense you should factor into your housing budget. The average cost of home insurance is $1,909 per year for $200,000 of dwelling coverage, according to Compare.com data. Plus, inflation and severe weather are driving up home insurance costs nationwide.
Whether it’s your first or fifth time searching for the best home insurance coverage, take time to check out the best options. It could mean that you get more than you hoped for at a cheaper price than you expected to pay.
We analyzed home insurance rates and researched reviews, discounts, coverages, and more to present you with our top picks for the best home insurance companies.
American Family’s low home insurance rates and basic discounts make it a great choice for homeowners on a tight budget.
Optional coverages like water backup and replacement cost coverage can bring much-needed peace of mind for first-time homebuyers.
Inflation and destruction from natural disasters are driving up home insurance rates, especially since people continue to move to high-risk areas.
Since so many factors affect home insurance rates, we recommend comparing quotes from multiple national and regional insurance companies. To help you get started, we reviewed premium costs, researched insurer reputations, and explored coverage options and discounts to help you find the best home insurance company for your needs and budget.
Bundling discount of up to 30%
Personal belongings replacement coverage
Loyalty discount for staying more than two years
No climate mitigation discounts
More complaints than expected
Guaranteed home replacement coverage not available
Amica shines as our best overall home insurance company because of how many boxes it checks. The company ranks highly for customer[1] and claims satisfaction[2] in J.D. Power studies. And it receives about one-third of the industry-expected number of complaints related to homeowners coverage, according to the National Association of Insurance Commissioners (NAIC).[3]
Plus, strong financial and long-term credit ratings from AM Best show that Amica can reliably back up its customers and pay out claims.[4]
AM Best financial strength rating of A+ (Superior)[5]
Diminishing deductible coverage available
Multiple discounts available
Available in only 19 states
Slightly below-average claims and customer service scores
May restrict coverage if you own certain dog breeds
American Family has some of the lowest home insurance rates among national insurers, according to our data. And its no-frills discount options can lower premiums even further. You take advantage of discounts for bundling policies, insuring a brand-new or newly renovated home, installing security systems, and more.
All that, and you don’t have to sacrifice on quality. American Family receives only half of the industry-expected number of homeowners insurance complaints, according to the NAIC.[6]
AM Best financial strength rating of A+ (Superior)[7]
Add-on for energy-efficient appliances
HostAdvantage add-on for partial home rentals
Below-average claims and customer service scores
More customer complaints than expected
Wind mitigation discounts available only in Florida
Allstate’s below-average rates, varied coverages, and plentiful discounts make it a great option. The company offers standard home insurance coverage as well as several potentially valuable add-ons. For example, water backup, sports and music equipment, or yard and garden coverage could give you that extra piece of mind as you navigate homeownership. Allstate also offers a special discount specifically for recent homebuyers.
AM Best financial strength rating of A+ (Superior)[8]
Above-average claims satisfaction
Brand New Belongings add-on to replace possessions
More-than-expected number of customer complaints
Not available in seven states
Restricts coverage if you own certain dog breeds
You can save on premiums with at least nine different discounts from Nationwide. These include savings for bundling your home and auto coverage, installing protective devices like fire and burglar alarms, and renovating your home’s plumbing or other utilities.
Nationwide also offers discounts to homeowners who are claims-free, have bought a home in the last year, and live in a gated community. Nationwide’s rates are already below average, but combining discounts can get you an even lower rate.
AM Best financial strength rating of A+ (Superior)[9]
Cheap average rates
Guaranteed home replacement coverage
Offers coverage in only 26 states
Policies only available through an agent
Earthquake insurance not available
You can count on a solid customer experience with Auto-Owners. The insurer ranks in the top five for highest claims satisfaction rates, according to a 2025 J.D. Power study. Auto-Owners also receives less than half of the industry-expected number of homeowners’ complaints, and even about 5% fewer complaints for its other coverage offerings, according to the NAIC.[10]
Auto-Owners’ solid core coverages, available add-ons, and numerous discount options make it a great choice for homeowners of all types.
Our independent editorial team reviewed more than two dozen national and regional insurance companies to determine the top five home insurance companies. We chose the insurers above based on company reputation, customer reviews, claims satisfaction, financial strength, national availability, coverage options, discounts, and average rates.
With a little structure, buying your ideal home insurance coverage doesn’t have to be hard. Here are a few tips to get you started.
Before you start comparing quotes, you have to know what you’re comparing. Gathering information about your home, determining how much dwelling coverage you’ll need, and creating a home inventory of your belongings will help you get an accurate quote and streamline your application process.
Insurance add-ons like water backup insurance, replacement cost coverage, and higher limits for valuable items can add peace of mind. Your lender might even require you to purchase disaster coverage, like flood insurance, depending on where you live.
Shopping around and comparing quotes is the best way to save money on insurance, according to the Insurance Information Institute (Triple-I).[11] And make sure you compare apples to apples while you’re exploring your options. Quote-comparison sites can make this process a lot faster, but no matter how you shop around, we recommend taking notes or keeping a folder with what you need to stay organized.
Once you’ve got your top picks, dig a little deeper. Will this insurer pay out claims quickly? Are existing customers happy with their coverage? Getting a sense of what insurers offer, what discounts you qualify for, and how customers feel about them will help you make a choice you’re happy with.
This is especially important if you’re a first-time homebuyer. And insurance agents are here to help. Take this opportunity to learn about standard and optional coverages, understand your risk, and gain confidence as a homeowner.
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Many factors affect home insurance costs, which can vary widely from state to state. Here’s an overview of what’s going on in the home insurance industry to help you stay informed while you navigate comparing and buying home insurance.
General inflation, replacement-cost inflation from supply-chain issues and labor shortages, and losses from natural disasters have driven rising home insurance costs, according to Triple-I.[12]
In some places, costs have increased faster than income, meaning insurance has become less affordable.
Other economic factors like tariffs can also affect home insurance rates by driving up the cost of wood, lime, and other homebuilding products, Insurify analysis found.[13]
Disaster-prone states experience some of the highest home insurance rates. Florida, Louisiana, and Oklahoma are the three most expensive states for home insurance, according to Compare.com data. The average annual home insurance premium in Florida is $14,110 for $400,000 of dwelling coverage — more than four times the yearly national average.
Plus, Americans continue moving to places with a high risk of climate disasters even as weather events are becoming more frequent and severe, Triple-I reported.[14] Disasters affect insurers in California and Florida particularly badly because they’re home to more high-value homes at risk of disastrous wildfire and hurricane damage, according to a recent study by Insurify.
Insurer losses from severe weather events do more than drive up premiums. They can also lead to companies not renewing policies in high-risk areas, according to analysis from the Congressional Budget Office.[15]
Many unique factors — from your credit history to your home’s age — could affect which home insurance company is the right fit for you. We hope to help make the process of finding that insurer a little easier by answering these commonly asked questions.
Using a quote-comparison site can make the process easier and more efficient since you can compare multiple companies in one place. You can also get individual quotes from multiple insurers online or by working with an agent.
Our research found that Amica, Auto-Owners, and American Family have good customer and claims satisfaction rates, receive fewer homeowners complaints, and have a strong financial record. That said, the best insurance company for you might not be the best choice for someone else, so it’s always best to compare quotes.
It’s unlikely. No industry sources or recent reports suggest the end of homeowners insurance. Most mortgage lenders require a minimum amount of coverage to protect their financial interest in your house.
It’s a frustrating process, but here are a few tips:
Make sure you’ve submitted all of the required documentation and as much information about the cause and value of the damage as you’re able to provide.
Be persistent, and regularly check in with your insurer. The company may be understaffed or overwhelmed with claims.
If you suspect your insurer is trying to find a loophole or isn’t offering a fair payout, you can hire a public adjuster to help advocate on your behalf.[16] Adjusters typically charge a percentage of the claims payout, though, so it’s more of a last-resort option.
Yes. You definitely have options for insuring your tiny home. Typically, you’ll need an RV or mobile/manufactured home insurance policy.
The national average cost of home insurance for $500,000 of dwelling coverage is $3,984 per year, according to our data. But keep in mind that these averages vary from state to state. Texas’ average annual rate for $500,000 of coverage is $7,279, while New Jersey’s is $2,010.
Yes. Progressive is a great choice for home insurance coverage. It has a higher-than-average J.D. Power rating for property claims satisfaction and an AM Best financial strength rating of A+ (Superior). It also offers below-average home insurance rates, according to Compare.com data.
The average homeowner who needs $200,000 of dwelling coverage pays $1,909 per year for home insurance, according to our data. How much coverage you need, as well as personal factors about you and your home, will likely affect your home insurance costs.
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Julia Taliesin is an insurance writer for Compare.com. An expert in personal finance and insurance topics, she began her career as a reporter, covering local business and government in Somerville, Massachusetts. Her reporting included local budgets and municipal finances, building development, and public health.
More recently, Julia uses her writing skills to simplify and explain complex insurance topics, including auto, home, renters, pet, travel, and more. She’s passionate about empowering readers with the knowledge to make more informed decisions with their money.
Julia earned a Bachelor’s degree in communications with a focus in journalism from Simmons University.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Amica Mutual, Allstate, and Nationwide rank among our top five best home insurance companies for their good customer service scores and coverage options.
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Westfield, Erie, and American Family are among the cheapest home insurance companies, with average annual rates starting at $1,189.
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Homeowners pay an average of $2,584 per year for $300,000 worth of dwelling coverage. Find out how you can save money on your homeowners insurance.
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If you’re new to homeownership or simply seeking a lower rate, these tips will help you compare home insurance quotes and choose the right coverage.
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Many factors determine how much home insurance you need. We explain how to estimate your coverage to protect your home and everything in it.
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