The best home insurance companies offer services and features that will allow you to build a policy to meet your needs for both now and the future. It’s also essential to choose a provider with a reputation for excellent customer service and financial stability so that if something goes wrong, you can count on them to fix it quickly and with minimal hassle.
With that in mind, Insurify set out to analyze major homeowners insurance companies and rank them with a single, multi-point score. The result was the Insurify Composite Score —a number that gives you an easy way to see which companies are the best for you before you need to use your policy. This scoring system makes it simple for you to find the best insurer and purchase the right policy, both for you and for those who count on you for financial support.
Methodology
The Insurify Composite Score is calculated by analyzing multiple factors that reflect an insurance company’s quality, reliability, and health. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, NAIC complaint indexes, and user-generated company reviews. Insurify‘s data scientists took these variables, weighted them, and combined them into a single, easy-to-understand numeric score for each insurance company.
There are millions of insurance reviews on the internet – it’s hard to know which companies are actually the best. Luckily, Insurify has compiled scores from the best rating sources and calculated the Insurify Composite Score.
The editorial team at Insurify determines these unbiased scores and reviews with a unique rating formula. Taking into account publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputation, and proprietary quoting data. Insurify’s team has weighed these elements and calculated the best home insurance companies listed here.
Home Insurance Company | Insurance Composite Score | A.M.Best | J.D. Power Out of 1,000 | Average Annual Premium |
---|---|---|---|---|
COUNTRY Financial | 97 | A+ Superior | 840 | $1,150 |
USAA | 96 | A++ Superior | 889 | $1,460 |
Allstate | 92 | A+ Superior | 829 | $1,960 |
Shelter Insurance | 92 | A Excellent | 847 | $1,580 |
Amica | 92 | A+ Superior | 853 | $780 |
Chubb | 92 | A++ Superior | 896 | $1,800 |
American Family | 90 | A Excellent | 853 | $850 |
Liberty Mutual | 89 | A Excellent | 805 | $3,800 |
Auto-Owners | 89 | A++ Superior | 847 | $1,600 |
State Farm | 97 | A++ Superior | 836 | $3,000 |
Best Homeowners Insurance Companies of 2022
After crunching the data, these ten home insurance companies stood out as consistently providing the best or most affordable rates, excellent policy options, reliable customer service, and financial strength and stability. Purchasing a homeowners insurance policy from one of these companies will help to ensure that you’ll get the support and compensation you need to rebuild after a disaster. Policyholders love these companies.
Some homeowners insurance companies are best for certain types of homeowners. This can be geographically-based, home-value-based, or even demographic-based.
Top 10 Home Insurance Companies
Best Overall for 2022: COUNTRY Financial
Best for Military Families: USAA
Best for Discounts: Allstate
Best for Additional Coverage: Shelter
Best for Customer Service: Amica
Best for High-Value Homes: Chubb
Best for Customer Satisfaction: American Family
Best for Reliability: Liberty Mutual
Best for Standard Coverage: Auto-Owners
Best for New Homeowners: State Farm

Country Financial
Best Overall for 2022
Founded in
1925
Product highlights
COUNTRY Financial sells homeowners policies with basic coverage (for significant catastrophes like fire, theft, and the like); premier coverage (which adds in coverage for things like spilled paint and countertop burns); and combination coverage (which provides basic coverage on belongings and premier coverage on the home itself).
Available discounts
COUNTRY Financial offers multi-policy, safe heating systems, and home alarm system discounts on home insurance policies, among others.
Why COUNTRY Financial made our list
Rated among the best homeowners insurance companies in the nation, COUNTRY Financial has an excellent reputation for customer service, claims payouts, and industry rankings. With some of the cheapest rates available for standard homeowners insurance policies, they’re a reliable and sufficient insurer for American homeowners.

USAA
Best for Military Families
Founded in
1922
Product highlights
USAA is a financial services provider that accepts only military members and ex-military households (widows, spouses, and other family members of USAA members can also join). Many of the company’s benefits are geared towards military personnel, such as uniform coverage for active duty or deployed members.
Available discounts
USAA offers loyalty, multi-policy, and home construction material discounts, among others.
Why USAA made our list
An iconic institution in the US, USAA offers active-duty military and veterans and their loved ones some of the most competitive homeowners insurance rates available to anyone, anywhere. Homeowners who meet the eligibility requirements for a USAA policy should seriously consider them. Between their excellent rates, valuable free services, and flexible coverages, it’s a no-brainer.

Allstate
Best for Discounts
Founded in
1931
Product highlights
Allstate has homeowners, condo, landlord, renters, and mobile home insurance policies. Specific coverage options vary by state—for example, California homeowners can get a separate earthquake insurance policy attached to their basic homeowners policy.
Available discounts
Allstate offers new home, claim-free, and multi-policy discounts, among others.
Why Allstate made our list
Allstate offers policyholders plenty of online resources through their mobile app and an online portal. Their simple, standard policies are all-encompassing, giving homeowners peace of mind knowing they’re covered. With a wide variety of discounts, homeowners can save a lot on their policies. First-time homebuyers should seriously consider Allstate for its abundant informational resources.

Shelter Insurance
Best for Additional Coverage
Founded in
1945
Product highlights
Shelter Insurance offers both homeowners insurance and what it calls “dwelling insurance,” which provides basic, actual cash value coverage for your home and belongings. The company also has policies for mobile homes, apartment buildings, and condos.
Available discounts
Shelter Insurance offers new home, claim-free, and alarm system discounts, among others.
Why Shelter made our list
Shelter Insurance has a low percentage of negative customer complaints according to the NAIC index. There are numerous coverage options and discount combinations that allow policyholders to save on their homeowners insurance policy. Though Shelter is not available nationally, they’re an excellent option for Midwestern states.

Amica
Best for Customer Service
Founded in
1907
Product highlights
Amica has three different levels of home insurance coverage: standard (which includes structure, property, and detached structure coverage); extended (which lets you tack on additional coverage such as home business or valuable items coverage); and premier (with even more options, including credit card and computer coverage).
Available discounts
Amica offers alarm system, loyalty, and multi-policy discounts, among others.
Why Amica made our list
With an outstanding customer service reputation, cheap rates, and unique discount opportunities, Amica offers homeowners special features, unlike any other insurer. Known for their pain-free claims process, homeowners can see their claim turn to cash faster than the average turn-around.

Chubb
Best for High-value Homes
Founded in
1882
Product highlights
Chubb has homeowners, renters, and condo insurance policies. It also provides extra coverage options, such as equipment breakdown and flood insurance policies. Chubb has a HomeScan program, which sends a thermographer with an infrared camera to scan your home for potential issues.
Available discounts
Chubb offers multi-policy, alarm system, and fire protection discounts, among others.
Why Chubb made our list
With specialty offerings for high-value homes, Chubb may not be for all homeowners. Those that meet their coverage criteria, though, should consider their identify theft monitoring and other valuable perks when considering signing on. With great coverage options and combinations, Chubb can help wealthier homeowners reach full coverage for their investments.

American Family
Best for Customer Satisfaction
Founded in
1927
Product highlights
American Family has homeowners, renters, mobile home, and condo insurance policies. You can also add coverage for home businesses, sewer back-ups, identity theft, and other potential problems not included in the basic policy.
Available discounts
American Family has homeowners, renters, mobile home, and condo insurance policies. You can also add coverage for home businesses, sewer back-ups, identity theft, and other potential problems not included in the basic policy.
Why American Family made our list
American Family offers policyholders standard coverage options as well as unique add-on options. With a long list of available discounts and coverage levels, there is a combination for every homeowner.

Liberty Mutual
Best for Reliability
Founded in
1912
Product highlights
Liberty Mutual has homeowners, renters, landlord, mobile home, and condo insurance policies. The standard policy includes structure, personal property, liability, and additional living expense coverage (meaning the cost of living elsewhere during repairs). You can also buy extra coverage options, such as valuables coverage and inflation protection.
Available discounts
Liberty Mutual offers multi-policy, new home, and claims-free discounts, among others.
Why Liberty Mutual made our list
Known for their catchy jingles, Liberty Mutual offers more than just entertaining commercials. Their seemingly never-ending list of available discounts and endorsements allows for highly customizable policies, satisfying any homeowner’s needs.

Auto-Owners
Best for Standard Coverage
Founded in
1916
Product highlights
Auto-Owners has homeowners, condo, renters, and mobile home insurance policies. It works solely through independent insurance agents, arguing that this ensures a local, friendly face will help out if a customer needs to file a claim.
Available discounts
Auto-Owners offers multi-policy, good payment history, and protective devices discounts, among others.
Why Auto-Owners made our list
Don’t let their name trick you – Auto-Owners is one of the largest home insurance companies in the country. They offer policyholders perks from a long list of available discounts. They also have optional security coverage, a unique feature that’s hard to come by. With a high customer satisfaction rate and a low number of consumer complaints, Auto-Owners is an excellent choice for home insurance coverage.

State Farm
Best for New Homeowners
Founded in
1922
Product highlights
State Farm sells homeowners policies as well as condo unit and renter’s insurance. It’s possible to apply and file claims online through its website; State Farm also has local agents in brick-and-mortar offices.
Available discounts
State Farm offers multi-policy, home alert, and roofing discounts, among others.
Why State Farm made our list
State Farm offers home insurance through its massive web of nearly twenty-thousand insurance agents. All standard coverages are covered through State Farm’s home insurance policies, but there is an abundance of additional supplemental coverage options to customize policies fully.
How to Choose the Best Home Insurance Company
Now that you’ve made it this far, you know the basics of homeowners insurance and what the best companies are for 2022. That means you know enough to make a wise financial decision about home insurance.
It might seem overwhelming, but cheap home insurance is never too far away when you’re looking in the right places.
The next step is to collect quotes from some of those top-ranked companies and see what levels of coverage they’ll offer you for the price. Remember, pricing may vary from company to company, but a tool like Insurify will get you the best deal.