When you’re looking for a homeowners insurance policy, there’s a lot to consider. We compared leading insurance companies to make your search easier.
Here are the best homeowners insurance companies
- : Best overall
- : Best coverage options
- : Best for veterans
- : Best for tornado coverage
- : Best for flood coverage
Compare the best homeowners insurance
Info current as of post date. Offers and availability may vary by location and are subject to change.
*Companies that don’t offer their own flood insurance help customers obtain insurance through the National Flood Insurance Program (NFIP).
1. Amica Mutual Insurance: Best overall
Best Overall
Amica Mutual Insurance has comprehensive coverage, and you could see savings long-term thanks to its mutual insurance company structure.
A mutual insurance company is owned by the policyholders. That means you may pay more upfront to “buy a share” of the company, but you can earn dividends in the long run—adding dollars to your wallet.
Pros
Mutual dividends
Earthquake coverage
Identity theft coverage
24/7 customer service
Valuable personal items coverage 
Cons
Tornadoes aren't covered
Vandalism isn't covered
Medical expenses aren't covered 2. American Family Insurance: Best coverage options
Best Options
American Family Insurance includes a LOT in its basic coverage—plus it offers some rare types of coverage that other brands don't.
From comprehensive medical coverage if someone is hurt on your property to riot coverage if your home is damaged in the midst of some political unrest, American Family has you covered.
Pros
Medical expenses coverage
Identity theft coverage
Specialized coverage (like riot insurance)
24/7 customer service Cons
Tornadoes and earthquakes aren't covered
Valuable personal items aren't covered 3. USAA: Best for veterans
Best for Veterans
USAA covers the basics and then some. Best of all, its prices can't be beat if you're a veteran or active member of the armed forces.
Customers of USAA can get earthquake coverage, but medical expenses aren't on the table. We like that home replacement cost is an option, which can help if your entire home is destroyed in a fire or natural disaster.
Pros
Military and veteran discounts
Home replacement coverage
Earthquake coverage
Identity theft coverage Cons
Unclear customer service hours
Some coverage missing, like tornadoes, valuable items, and medical expenses 4. Progressive: Best for tornadoes
Best for Tornadoes
Progressive stands out from the crowd as one of a handful of popular companies that offers tornado coverage. We also like that you can cover valuable personal items like jewelry, heirlooms, art, and high-end electronics.
One thing to watch out for is Progressive's tendency to change policies unexpectedly. But overall, we like their comparison pricing tool and easy access to tornado coverage.
Pros
Tornado coverage
Valuable personal items coverage
Comparison price tool Cons
Unauthorized policy changes
Unclear customer service hours
Vandalism, earthquakes, and medical expenses not covered 5. Brand Name: Best for floods
Best for Floods
Farmers offers its own flood coverage—a rarity in the world of homeowners insurance—but its other weather-related coverage is pretty thin.
On top of floods, earthquakes are also covered, but if you live in tornado alley, you might want to look elsewhere. Despite missing some types of coverage, we like how easy it is to reach customer service.
Pros
Flood and earthquake coverage
Extended customer service hours
Identity theft coverage Cons
Several weather events not covered (including tornadoes)
Vandalism and medical expenses not covered Final word
Just as homeowners insurance needs vary, so do prices for coverage. To make the best decision for your situation, you'll need to get quotes specific to your home, location, and other factors.
We recommend PolicyGenius as an easy way to get multiple quotes and find the best rate for your home.
