+120 more)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
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.
AIG offers home insurance through its Private Client Select program, which is for high-net-worth homeowners with high-value or hard-to-insure properties. The company doesn’t offer online quotes but provides coverage nationwide through independent agents.
The average cost of AIG homeowners insurance is $142 per month for $300,000 in dwelling coverage, though actual rates depend on factors like the age of your home and roof, square footage, and location.
AIG offers unique coverages like worldwide contents coverage, loss prevention device reimbursement, and business property coverage. In the article below, we’ll help you decide whether AIG home insurance is the best company for your needs.
Criteria  | Result |
|---|---|
| Average monthly premium* | $142 |
| Availability | 50 states plus Washington, D.C. |
| J.D. Power rating | 680/1,000 (above average) |
| AM Best financial strength rating | A (Excellent) |
| NAIC complaint index** | 0.05 (well below average) |
| Customer service phone number | 1 (877) 418-1016 |
| Mailing address | 1271 Avenue of the Americas New York NY 10020 |
*Rate displayed represents $300,000 in dwelling coverage.
**A complaint index rating of 1.00 represents the expected number of complaints for a company of its size. A lower score indicates a fewer-than-average number of complaints.
AIG specializes in serving high-net-worth homeowners who own high-value or hard-to-insure properties. Policies can cover homes in hard-to-insure areas, such as coastal regions, and include coverages like damage your pet causes in the home, and cash settlement options.
The insurer stands out for its strong financial stability, high customer satisfaction scores, low customer complaints, and unique coverages, such as guaranteed replacement cost and contents protection.
But AIG doesn’t advertise its home insurance discounts, and quotes aren’t available online, which could make the process less convenient for some people. Overall, AIG is best suited for people who need high-end coverage and prefer working with independent agents for a personalized experience.
Home insurance premiums can vary widely by insurance company and from one homeowner to another. Your policy coverage amounts, where you live, your home value, and age are just a few factors insurers consider when setting rates.
Homeowners pay an average of $142 per month for $300,000 in dwelling coverage from AIG, according to Compare.com data. But depending on where you live and the coverage you choose, your premium may be higher or lower.
Here’s a breakdown of how rates vary by coverage amount and state.
Your dwelling coverage amount affects your home insurance premium because higher coverage means the insurer would need to pay out more if you file a claim. So, policies with a larger coverage limit typically cost more.
The table below shows AIG’s average monthly premiums for different dwelling coverage amounts, according to Compare.com data.
Dwelling Coverage Amount | Average Monthly Premium |
|---|---|
| $200,000 | $105 |
| $300,000 | $142 |
| $400,000 | $194 |
| $500,000 | $227 |
| $750,000 | $335 |
Compare personalized quotes from dozens of top companies.
Home insurance rates vary by state due to local factors, like property crime rates, weather, and population density.[1] The riskier your area, the more your policy will cost.
Check out the map below for AIG’s average premiums in each state for $300,000 in dwelling coverage, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $${HOME_CARRIER_AIG_300K_STATE_AL_PRICE} |
| Arizona | $${HOME_CARRIER_AIG_300K_STATE_AZ_PRICE} |
| Arkansas | $${HOME_CARRIER_AIG_300K_STATE_AR_PRICE} |
| California | $157 |
| Colorado | $${HOME_CARRIER_AIG_300K_STATE_CO_PRICE} |
| Connecticut | $${HOME_CARRIER_AIG_300K_STATE_CT_PRICE} |
| Delaware | $${HOME_CARRIER_AIG_300K_STATE_DE_PRICE} |
| Florida | $${HOME_CARRIER_AIG_300K_STATE_FL_PRICE} |
| Georgia | $${HOME_CARRIER_AIG_300K_STATE_GA_PRICE} |
| Idaho | $${HOME_CARRIER_AIG_300K_STATE_ID_PRICE} |
| Illinois | $${HOME_CARRIER_AIG_300K_STATE_IL_PRICE} |
| Indiana | $${HOME_CARRIER_AIG_300K_STATE_IN_PRICE} |
| Iowa | $${HOME_CARRIER_AIG_300K_STATE_IA_PRICE} |
| Kansas | $${HOME_CARRIER_AIG_300K_STATE_KS_PRICE} |
| Kentucky | $${HOME_CARRIER_AIG_300K_STATE_KY_PRICE} |
| Louisiana | $${HOME_CARRIER_AIG_300K_STATE_LA_PRICE} |
| Maine | $${HOME_CARRIER_AIG_300K_STATE_ME_PRICE} |
| Maryland | $${HOME_CARRIER_AIG_300K_STATE_MD_PRICE} |
| Massachusetts | $66 |
| Michigan | $${HOME_CARRIER_AIG_300K_STATE_MI_PRICE} |
| Minnesota | $${HOME_CARRIER_AIG_300K_STATE_MN_PRICE} |
| Mississippi | $${HOME_CARRIER_AIG_300K_STATE_MS_PRICE} |
| Missouri | $${HOME_CARRIER_AIG_300K_STATE_MO_PRICE} |
| Montana | $${HOME_CARRIER_AIG_300K_STATE_MT_PRICE} |
| Nebraska | $${HOME_CARRIER_AIG_300K_STATE_NE_PRICE} |
| Nevada | $${HOME_CARRIER_AIG_300K_STATE_NV_PRICE} |
| New Hampshire | $${HOME_CARRIER_AIG_300K_STATE_NH_PRICE} |
| New Jersey | $${HOME_CARRIER_AIG_300K_STATE_NJ_PRICE} |
| New Mexico | $${HOME_CARRIER_AIG_300K_STATE_NM_PRICE} |
| New York | $144 |
| North Carolina | $${HOME_CARRIER_AIG_300K_STATE_NC_PRICE} |
| North Dakota | $${HOME_CARRIER_AIG_300K_STATE_ND_PRICE} |
| Ohio | $${HOME_CARRIER_AIG_300K_STATE_OH_PRICE} |
| Oklahoma | $${HOME_CARRIER_AIG_300K_STATE_OK_PRICE} |
| Oregon | $${HOME_CARRIER_AIG_300K_STATE_OR_PRICE} |
| Pennsylvania | $${HOME_CARRIER_AIG_300K_STATE_PA_PRICE} |
| Rhode Island | $179 |
| South Carolina | $${HOME_CARRIER_AIG_300K_STATE_SC_PRICE} |
| South Dakota | $${HOME_CARRIER_AIG_300K_STATE_SD_PRICE} |
| Tennessee | $${HOME_CARRIER_AIG_300K_STATE_TN_PRICE} |
| Texas | $${HOME_CARRIER_AIG_300K_STATE_TX_PRICE} |
| Utah | $${HOME_CARRIER_AIG_300K_STATE_UT_PRICE} |
| Vermont | $${HOME_CARRIER_AIG_300K_STATE_VT_PRICE} |
| Virginia | $${HOME_CARRIER_AIG_300K_STATE_VA_PRICE} |
| Washington | $${HOME_CARRIER_AIG_300K_STATE_WA_PRICE} |
| District of Columbia | $${HOME_CARRIER_AIG_300K_STATE_DC_PRICE} |
| West Virginia | $${HOME_CARRIER_AIG_300K_STATE_WV_PRICE} |
| Wisconsin | $${HOME_CARRIER_AIG_300K_STATE_WI_PRICE} |
| Wyoming | $${HOME_CARRIER_AIG_300K_STATE_WY_PRICE} |
Researching what customers and industry experts say about home insurance companies can help you determine which company will best meet your needs and expectations. Reviews and ratings offer valuable insight into the company’s service quality, claims handling, and overall reliability.
Let’s start with what customers say about their experience with AIG, and then we’ll take a look at the industry ratings.
It’s important to check out what current and former customers are saying about a company when choosing a home insurer, particularly for high-value home insurance. Customer reviews can provide valuable insights into how a company handles claims, communicates, and resolves issues.
The table below shows AIG’s ratings from three major review platforms.
Review Platform | Rating |
|---|---|
| Trustpilot | 1.2 out of 5 |
| Better Business Bureau (BBB) | F |
| ConsumerAffairs | 3.8 out of 5 |
AIG has a poor rating on Trustpilot, but we couldn’t find any negative reviews about its home insurance specifically. The insurer received an F rating from the BBB due to failure to respond to over 30 complaints filed against it, though complaints are mainly about travel, life, and annuity insurance products.[2]
Though AIG fared better in its ConsumerAffairs rating, a common theme among the platforms is frustration with customer service responsiveness, transparency, and claims processing. That said, you don’t want to rely on these ratings alone. Keep in mind that many companies tend to get below-average ratings on these types of review sites.
Third-party ratings from insurance industry experts can also give you objective insights into customer and claims satisfaction, and an insurance company’s financial strength. Unlike customer reviews, these ratings rely on standard criteria to assess how a company performs in key areas like claims handling, customer experience, and financial stability.
Below is a snapshot of how AIG performs across several well-known rating services for customer satisfaction, financial strength, and complaints.
Rating Service | Rating | Industry Average |
|---|---|---|
| J.D. Power customer satisfaction | 680/1,000 | 640 |
| J.D. Power claims satisfaction | N/A | 682 |
| AM Best | A | N/A |
| NAIC complaint index | 0.05 | 1.00 |
AIG had the second-highest customer satisfaction rating in the J.D. Power 2024 U.S. Home Insurance Study, but it wasn’t rated in the 2025 U.S. Property Claims Satisfaction Study.
The company’s AM Best financial strength rating of A (Excellent) shows that it’s financially stable enough to pay claims and meet its policy obligations and debts. It also has an extremely low National Association of Insurance Commissioners (NAIC) complaint rating of 0.05, meaning it receives very few home insurance complaints compared to similarly sized insurers.
Overall, AIG appears financially sound with relatively few complaints and a high customer satisfaction rating from third-party experts.
Comparing home insurance quotes from multiple companies can help you find the best coverage and service for the lowest price.
Check out the table below to see how AIG compares to its closest competitors for different coverage amounts, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| AIG | $142 |
| Allstate | $188 |
| Nationwide | $223 |
| State Farm | $226 |
| USAA | $146 |
Company | Average Monthly Premium |
|---|---|
| AIG | $227 |
| Allstate | $282 |
| Nationwide | $339 |
| State Farm | $317 |
| USAA | $206 |
Company | Average Monthly Premium |
|---|---|
| AIG | $335 |
| Allstate | $389 |
| Nationwide | $493 |
| State Farm | $422 |
| USAA | $278 |
)
Adding discounts to your insurance policy is an easy way to lower the cost of home insurance, without sacrificing coverage options and add-ons you need to protect your house.
Unfortunately, AIG doesn’t list available home insurance discounts on its website. To find out which discounts are available and how to qualify, contact the company directly or an AIG independent agent.
Here are ways you may be able to save with AIG:
Multi-policy discount: Bundling your home and auto with AIG may lower your premium on both policies.
Safety home discount: Installing safety features like centrally monitored burglar and fire alarms may qualify you for a home insurance discount.
New home discount: Newly built or renovated homes may be eligible for a new home discount.
Pay-in-full discount: You may be able to get a discount for paying your annual premium in full instead of monthly installments.
You have several coverage types and amounts to choose from when shopping for home insurance. Here are some coverage options available from AIG:
Guaranteed replacement cost: This pays to fully rebuild your home — even if the cost exceeds the policy limit — with no coverage cap.
Extended rebuilding cost: This coverage helps pay for extra rebuilding expenses if the construction costs go over your policy limit, up to 100% additional coverage in some states.
Cash settlement option: This coverage allows you to receive a lump-sum cash payout instead of rebuilding your house after a total loss. AIG also provides worldwide coverage on contents.
Contents coverage: AIG includes this replacement coverage automatically and doesn’t factor in depreciation when replacing damaged belongings with new items.
Building ordinance: This pays for the upgrades necessary to meet current building codes when repairing or rebuilding your home.
Backup of sewer and drains: This covers damage to your home and belongings from the backup or overflow of drains, sewers, or sump pumps.
Pet damage coverage: If your pets damage your property, this coverage would cover the repair or replacement. It’s a rare coverage that most insurers exclude.
Property of domestic staff and guests: This covers damage to your staff or guests’ personal belongings on your property.
Loss prevention device: AIG provides up to $2,500 to install preventive devices like a water detector with automatic shutoff.
)
You can only buy AIG home insurance through its Private Client Select Program through independent insurance agents who work with AIG.
Here’s how to find a licensed agent and get a quote:
Go to the privateclientselect.com.
At the top right of the page, click on the three dots, then select “Contact Us.”
Scroll to “Find a Producer,” and click the button.
Type in your city and state or ZIP code, set your research radius, and click “Search.”
From there, you can select an agent and contact them by phone or visit their office in person to get a quote. The agent will discuss your specific risk based on things like your home’s location, value, and other factors to determine coverage needs.
AIG also offers agreed-value auto insurance, and you may qualify for a bundling discount if you insure both your home and car with AIG.
Get quotes from dozens of top insurance companies, quickly and easily.
Here are answers to the most common questions people ask to help you decide if AIG home insurance is the best choice for you.
Yes. AIG is a good insurance company. The company has an excellent financial strength rating from AM Best, an above-average customer satisfaction rating from J.D. Power, and its NAIC complaint index is well below the average.
Yes. AIG sells home insurance through its Private Client Select program, available only through independent agents for high-value properties.
AIG home insurance covers your dwelling, liability, living expenses, and personal belongings. Your policy can also include add-ons, such as equipment breakdown, green rebuilding, and traumatic event or threat coverage, and more.
Homeowners pay an average of $142 per month for $300,000 in dwelling coverage with AIG, according to Compare.com data.
It depends. AIG home insurance premiums are typically more expensive than other insurers. But it’s worth noting that AIG caters to high-value and high-risk homes, which typically require higher coverage amounts or specialized coverages that may not be available in the standard market.
No. AIG is an American company. It operates in over 190 countries, including China. While it held shares in the People’s Insurance Company of China (PICC),[3] it isn’t owned by the Chinese government.
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
