Best Homeowners Insurance Companies

Choosing the right homeowners insurance company can be a daunting task. First, you’ll have to figure out how much coverage you need. To do that, you’ll need to calculate the cost to rebuild your home in the event of a disaster. Then it becomes a question of shopping around for quotes from reputable homeowners insurance companies to find one that offers the right coverage—at the right price—in your area. 

To find the best homeowners insurance companies in America, Consumer Reports recently fielded exclusive surveys of tens of thousands of our members. 

To be specific, 59,670 people told us about 65,000 experiences they’d had with their homeowners insurance carriers—including settlements of claims within the previous five years, prices paid for insurance premiums, policy reviews, and other key aspects of shopping for and owning this important coverage.

It’s not enough to know how well a homeowners insurance carrier treats customers on the phone, or how easy the policy is to read—although those were among the attributes we considered. It’s after catastrophe strikes—a storm, a fire, a robbery, or even a liability lawsuit—that you truly find out whether you have a reliable ally, one that’s responsive during the claims settlement process and pays you fairly.

Responses to our surveys inform our ratings of 24 homeowners insurance carriers, which is available to CR members. Our list includes well-known homeowners insurance companies like Allstate, Amica, Farmers, Nationwide, State Farm, Travelers, and USAA, as well as smaller insurance providers such as The Cincinnati Insurance Companies and NJM Insurance Group.