Top Homeowners Insurance Companies
Top Companies
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Alfa
3.8
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A variety of add-on coverages offered
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Possible savings based on local climate conditions
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Useful blog articles for purchasing homeowners insurance
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A variety of add-on coverages offered
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Possible savings based on local climate conditions
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Useful blog articles for purchasing homeowners insurance
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American Modern
4.5
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Provides insurance for applicants turned down by standard homeowners policies
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Maintains an A+ (Superior) financial strength rating from AM Best
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Part-time protection offered for vacation properties and rental units
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Provides insurance for applicants turned down by standard homeowners policies
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Maintains an A+ (Superior) financial strength rating from AM Best
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Part-time protection offered for vacation properties and rental units
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Arbella
4.0
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Low typical premiums for most clients
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Multiple discounts, particularly for first-time homeowners
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Claims can be filed online
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Low typical premiums for most clients
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Multiple discounts, particularly for first-time homeowners
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Claims can be filed online
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Bear River Mutual
4.0
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Insurance available for vacation or secondary residences
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Pricing applies exclusively to properties in Utah
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Local agents ready to assist and advise you
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Insurance available for vacation or secondary residences
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Pricing applies exclusively to properties in Utah
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Local agents ready to assist and advise you
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California Casualty
4.1
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Teachers may add optional protection for personal items used in classroom instruction
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Up to $5,000 of theft protection for weapons for law enforcement officers or firefighters
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Flexible billing plan options available
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Teachers may add optional protection for personal items used in classroom instruction
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Up to $5,000 of theft protection for weapons for law enforcement officers or firefighters
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Flexible billing plan options available
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Citizens
3.2
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Available to many Florida residences where few or no alternative insurance choices exist
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Provides separate wind-only protection
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Round-the-clock claims reporting
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Available to many Florida residences where few or no alternative insurance choices exist
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Provides separate wind-only protection
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Round-the-clock claims reporting
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Commonwealth Casualty
3.4
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Many ways to save with discounts
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On-site claims adjusters provide personalized assistance
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Coverage for golf carts offered
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Many ways to save with discounts
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On-site claims adjusters provide personalized assistance
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Coverage for golf carts offered
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Connect
3.2
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American Family, the parent company, scored well in the 2024 J.D. Power U.S. Insurance Digital Experience Study for the shopping category
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Extensive array of possible discounts to reduce homeowners insurance costs
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Mine subsidence coverage available in select states
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American Family, the parent company, scored well in the 2024 J.D. Power U.S. Insurance Digital Experience Study for the shopping category
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Extensive array of possible discounts to reduce homeowners insurance costs
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Mine subsidence coverage available in select states
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Costco
4.0
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Distinct endorsements you might not find with other insurers
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In some states, wildfire loss prevention could be provided at no extra charge
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CONNECT provides special homeowners perks for Costco Executive members
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Distinct endorsements you might not find with other insurers
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In some states, wildfire loss prevention could be provided at no extra charge
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CONNECT provides special homeowners perks for Costco Executive members
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Electric
3.3
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Replacement cost protection is provided at no extra charge
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The website features a useful coverage guide to assist shoppers in making an informed choice about their homeowners insurance plan
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Claims center is available 24/7
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Replacement cost protection is provided at no extra charge
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The website features a useful coverage guide to assist shoppers in making an informed choice about their homeowners insurance plan
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Claims center is available 24/7
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Encompass
4.0
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EncompassOne policy levels offer varying benefits and features
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Standalone homeowners policy includes several optional add-on coverages
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Multiple discount opportunities available
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EncompassOne policy levels offer varying benefits and features
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Standalone homeowners policy includes several optional add-on coverages
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Multiple discount opportunities available
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Esurance
3.4
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Mobile-first interface for seamless policy management and claims
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Competitive pricing in many states
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Robust digital tools with 24/7 online support
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Mobile-first interface for seamless policy management and claims
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Competitive pricing in many states
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Robust digital tools with 24/7 online support
More Insurance Options
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Renters Insurance
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Home Warranty
