top 10 homeowners insurance

If you want to protect your home, its contents and any guests who might be staying on your property from specific perils, it’s important to get the best homeowners insurance coverage.

Fortunately, there are a lot of different companies out there, each of which will offer you different policy options, rates and discounts. Choosing the right one for you isn’t easy, but it can be worth it in the end.


USAA is one of the top home insurance providers available to military members and veterans, as well as their families. The company offers competitive rates and great customer service.

In addition to their home insurance offerings, USAA also provides other financial services and benefits for its members. This includes an online bank, credit card services and other banking tools.

A standard homeowners policy with USAA covers up to $5,000 in identity theft protection (not available in North Carolina) and protects your belongings if you rent out a room or property through a home-sharing service. It also includes replacement cost value coverage that pays to replace your items at their current value without depreciation.

Another benefit of USAA’s home insurance is their mobile app, which has high ratings on both the App Store and Google Play. It’s a good way to manage your policy and file claims. You can also take advantage of some special discounts.

2. State Farm

State Farm is a big name in insurance, with a large network of agents and a wide range of products and services. They offer homeowners insurance, auto insurance, life insurance and more, as well as business insurance.

Homeowners insurance quotes from State Farm can be obtained online or through an agent. These agents can also help you customize your policy with additional coverages, like protection for jewelry and business property.

This company also offers a unique feature called “increased dwelling limit,” which automatically extends your dwelling coverage up to 20% of the total estimated replacement cost of your home.

State Farm also offers other add-ons for homeowners insurance, including water backup coverage and identity theft protection. The latter provides a case manager to help coordinate with your bank and creditors, as well as with identity restoration.

3. Allstate

As one of the nation’s largest insurance providers, Allstate offers a variety of home insurance coverage options to suit nearly every homeowner. It also boasts a robust mobile app for policyholders and a library of free digital tools to help shoppers better understand their home insurance costs and risks.

Allstate’s homeowners insurance policies are available nationwide. Customers can choose from standard policies like dwelling, personal property and liability and add optional coverages to tailor their coverage to their needs.

For example, customers who rent their homes through short-term rental services can purchase HostAdvantage, which pays out if their property is damaged or stolen by a homeshare guest. They can also buy electronic data recovery to replace lost photos, videos and other personal files on their computers.

Allstate also offers discounts to new and existing customers. These include early signing, a welcome discount and loyalty discounts that remain in place for a set number of years.

4. Farmers

Farmers offers a wide variety of straightforward home insurance policies, available through a network of agents nationwide. It also provides coverage for mobile homes, condos and other specialty properties.

The company also offers a range of discounts, including a new home discount that lets policyholders save money if their house is less than 14 years old. It also offers a declining deductible option that reduces your deductible for each policy period you don’t file a claim.

In addition, it offers free claims forgiveness for customers who have been with the company for at least five years and have never filed a homeowners insurance claim during that time. Once you get Claims Forgiveness, Farmers won’t raise your rate if you do make a claim.

Overall, Farmers is a good choice for shoppers looking for a comprehensive home insurance policy that includes robust options like eco-rebuild coverage. The company is also known for its excellent customer service.


CSAA is an insurance company that writes auto, homeowners, life, renters and condo policies. They also offer a number of other services, including travel and auto club benefits.

They also pay claims quickly, a priority for customers since the introduction of electronic payments. Their customer service team has a reputation for being friendly and helpful.

The policy offers basic coverages that include property damage, liability and a personal injury protection section. You may also opt to add additional coverages, such as flood or earthquake.

CSAA is a good choice for those looking to buy homeowners insurance because it offers many different options and discounts. However, it is important to shop around for rates and coverages before making a decision.

6. American International Group

American International Group is a large insurance and financial services company with offices around the world. They offer a wide range of property casualty insurance, life insurance and retirement solutions.

Their employees are from all walks of life and they work together to ensure that their clients receive the best possible care. Their diversity is a strength of their company, and it helps them provide a wide range of coverage for customers across the globe.

They offer a variety of services, including general liability, workers’ compensation, commercial automobile, crisis management and professional liability. They also have a mortgage guaranty business.

They are listed on the New York Stock Exchange, as well as in London, Paris and Switzerland. They are a Fortune 500 company and have been in business for over a century.

7. Liberty Mutual

Liberty Mutual offers a range of services for its customers, including a website where they can get quotes and manage their accounts. It also has a mobile app where they can pay their bills and file claims.

Homeowners can get a Liberty Mutual policy to protect their home and other structures on their property, like a shed or garage. They can also add personal property coverage, which pays to replace items that are stolen or damaged during a disaster.

The company also offers earthquake and hurricane insurance. This is a popular add-on because it can help protect against potential damage caused by a natural disaster.

The company offers a number of discounts to help lower their premiums. They include loyalty, early payment, home buyer, roofing material, insured to value and paperless discounts.

8. Nationwide

Nationwide is a leading insurance provider that offers homeowners insurance to protect your home and the belongings inside. You can customize your policy to fit your unique needs and budget.

You can also choose coverage endorsements to enhance your protection. For example, you can add Better Roof Replacement, which will allow you to replace your roof with a stronger roof that will be more resistant to wind and hail damage.

The company also offers extra protection for high-value items, such as jewelry or art. This is called Valuables Plus.

Overall, Nationwide is a good option for homeowners looking for affordable rates and quality service. They have a strong reputation for financial stability and are rated A+ by AM Best.

9. Chubb

Chubb offers a wide range of high-end home insurance services for clients with valuable homes and assets. These include strong policy add-ons like replacement cost coverage for your property and advanced digital tools, as well as a personalized loss-settlement process if you need to file a claim.

It also provides complimentary home inspections using its HomeScan technology to spot leaks, insulation issues and electrical problems that could cause damage before they occur. It also offers wildfire defense services, which can help you prepare for a fire and make repairs once it’s out.

Customers can also opt for cyber-bullying protection, which covers counseling and added security measures if your child is the victim of bullying or is a perpetrator themselves. Additionally, Chubb’s risk consultants can visit your home and provide security recommendations to keep you protected.