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Best Homeowners Insurance Companies

Your home is one of your largest and most rewarding investments, so choosing the best homeowners insurance available makes sense. Of course, you'll want a good price—but you also want the right mix of coverage from a company that can pay your claim in the event of a disaster. Reliable customer service is also a plus.

To narrow down our list of the best homeowners insurance companies, we looked at data on customer complaints, consumer experience and financial strength. We also evaluated each insurance company's coverage options and deductibles. Based on these factors, here are our best home insurance companies.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that's right for you. These carrier ratings are for home insurance - company ratings for other products on our site may vary. See our criteria for evaluating homeowners insurance companies.

Best home insurance companies

All insurance companies listed below received at least 4.5 out of 5 stars. Hundreds of insurance companies are competing for your business, and they often sell very similar products, so it's smart to compare home insurance quotes from several before making a decision.


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5.0 NerdWallet rating


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New Jersey

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4.5 Rating for NerdWallet

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4.5 Rating for NerdWallet


4.5 Rating for NerdWallet


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4.5 Rating for NerdWallet


4.5 Rating for NerdWallet


5.0 NerdWallet rating

*US Homeowners Insurance is only available to active duty military, veterans and their families.

Note: Not all insurance companies are available in all states.

How we ranked the best home insurance companies

NerdWallet's editorial team reviewed coverage options, deductibles, complaint data from the National Association of Insurance Commissioners, financial strength ratings from AM Best and more to determine the best homeowner's insurance companies.

Our rating system rewards companies with many coverage and discount options, few consumer complaints, and a solid financial rating. Under the Consumer Experience category, we looked at features such as online quotes and claims reports. To calculate each insurance company's rating, we adjusted the points on a 5-point scale curve.

These ratings are a guide, but we encourage you to shop around and compare several insurance rates to find the best one for you.

The Best Home Insurance Companies: The Pros and Cons

Learn more about our top home insurance companies by reading the brief summaries below and checking out our comprehensive reviews.

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  • CHEP: Best for high value houses
  • Hippo: The best digital insurance first
  • Nationwide: Best combination of coverage and discounts
  • NJM: Best for homeowners in Connecticut, Maryland, New Jersey, Ohio or Pennsylvania
  • Amika: Best for customer service
  • Qatar Finance: It is best to work with an agent
  • Erie: Best for homeowners in the Mid-Atlantic or Midwest
  • Hanover: Best for customizable policies
  • Kin: Best for Florida and Louisiana homeowners
  • Travelers: Best for eco-conscious homeowners
  • USAA: Best for military and veterans
  • CHEP: Best for high value houses

5.0 NerdWallet rating

Pros: Chubb includes many features in its homeowners policies that other companies charge extra for. It also offers a number of discounts.

Cons: Chubb tends to be more expensive than other insurance companies and doesn't offer online quotes for most consumers.

Company Overview: Chubb targets high-end homeowners, devoting much of its expertise to wealthy clients. It offers many coverage options, including atypical options like HomeScan, which help detect problems in your home that require attention before they cause damage.

Chubb also offers extended home replacement cost coverage and replacement value of your property as part of its standard policy, another unusual feature for consumers. This means that if your home costs more than expected to rebuild after a covered disaster, Chubb will pay more than the dwelling limit you set to help cover the costs.