10 Homeowners Insurance Companies to Consider

Finding the right homeowners insurance can be daunting. There are plenty of large and small companies offering homeowners insurance, and it can be difficult to determine which one best suits your needs. To help you in your decision, we have the list of major insurance companies to consider.

What We Recommend

We’ve put Farmer’s Insurance at the top of the list for its positive customer reviews, 24/7 claims processing, and customizable policy packages. It also offers claim forgiveness, meaning your premium won’t increase based on a claim if you’ve been with Farmers and claims-free for five years.

The List

In comparing these companies, we considered reputation among customers, discounts offered, and range of coverage. We’ve ordered the list beginning with the best options.

Farmers Insurance

  • Homeowners insurance options: Farmers Smart Plan Home Policy has three basic packages — Standard, Enhanced, and Premier. The Premier package has the highest coverage, but all three packages are customizable, with optional coverage for things like personal possessions and identity theft.
  • Coverage limitations: Vary by policy
  • Customer service: Customer support is available online and by phone, and claims are processed 24/7.
  • Discounts: There is a Claims Free discount if you remain claim-free with Farmers for three or more consecutive years, or if you’re switching to Farmers but had no claims for three or more years on your previous insurance policy. Farmers also offers multi-policy discounts and a non-smoker discount.
  • Other insurances offered: Auto, business, life, pet, recreational, rental, and umbrella
  • Find out more

State Farm

  • Homeowners insurance options: State Farm homeowners insurance covers property loss from weather, theft, vandalism, riots, aircraft and vehicles, water from plumbing, and artificial electrical currents.
  • Coverage limitations: The standard policy does not cover damage from flood, underground water, settling, earthquakes, mudslides, deterioration, nuclear hazard, domestic animals, contamination, birds, rodents, or insects.
  • Customer service: Customer service agents are available by phone, and claims can also be filed online.
  • Discounts: You can get a discount if you combine a homeowners policy with other State Farm insurance, such as car insurance. You may also qualify for discounts if you have installed a home monitoring system such as a fire alarm, or if you use certain roofing products designed to resist impact.
  • Other insurances offered: Automotive, disability, identity restoration, health, liability, life, and small business
  • Find out more

Allstate

  • Homeowners insurance options: Allstate homeowners insurance covers theft, fire and smoke damage, wind and hail damage, falling objects, frozen plumbing, and accidental water damage from plumbing and appliances. Optional coverage is available for water backup, appraised items, business property, identity theft, sporting equipment, electronic data recovery, and energy-efficient improvements.
  • Coverage limitations: Vary by policy and by state
  • Customer service: Assistance is available by phone, by email, on Twitter, and on the Allstate website using the My Account portal.
  • Discounts: Allstate has a Welcome discount for new customers, plus Multi-policy, Claim-free, and other discounts.
  • Other insurances offered: Auto, business, condo, life, motorcycle, renters, and more
  • Find out more

Liberty Mutual

  • Homeowners insurance options: Liberty Mutual’s standard coverage includes dwelling, personal possession, liability, and additional living expense coverage. You can add extra protection for valuables, water backup and sump pump overflow, and inflation.
  • Coverage limitations: Vary by policy
  • Customer service: Customer service is available by phone, by email, or by logging in to your account on the Liberty Mutual website.
  • Discounts: Liberty Mutual offers a wide range of discounts including Claims-free, Early shopper, Multi-policy, and Paperless Policy discounts.
  • Other insurances offered: Auto, condo, life, motorcycle, renters, flood, and pet insurance
  • Find out more

Nationwide

  • Homeowners insurance options: Basic insurance includes dwelling, contents, personal liability, other structures (such as garage or barn), and loss of use coverage. Optional coverage is available for identity theft, high-value possessions, water backup, flood, and earthquake damage. With the Brand New Belongings service, you can repair or replace damaged belongings regardless of their age or condition.
  • Coverage limitations: Vary by policy
  • Customer service: Agents are available by phone and email. You can also file claims online.
  • Discounts: Nationwide offers Multi-policy, Protective device, Claims-free, Home renovation, Roof rating, Home purchase, Prior insurance, and Gated community discounts.
  • Other insurances offered: Accident medical, auto, condo, dental, flood, identity theft, life, renters, pet, travel, and umbrella
  • Find out more

MetLife

  • Homeowners insurance options: MetLife policies are customizable but generally cover damage from tornadoes, hail, fire, theft, and vandalism; liability coverage; and identity protection. Additional coverage is available which will pay the full cost to rebuild your home, even if the cost is more than the amount of the original insurance policy.
  • Coverage limitations: Vary by policy
  • Customer service: Claims service is available 24/7, and your claim can be filed by phone or online.
  • Discounts: MetLife partners with some associations and membership groups to offer discounts through employers. MetLife also offers a discount if you bundle your auto insurance, and a home safety discount in most states.
  • Other insurances offered: Accident/health, auto, dental, disability, landlord, life, renters, pet, and vision
  • Find out more

USAA

  • Homeowners insurance options: USAA homeowners insurance covers fire, theft, vandalism, weather damage, liability, and identity theft. Optional coverage includes earthquake and house sharing.
  • Coverage limitations: Vary by policy
  • Customer service: Customer service agents are available by phone. Claims can also be submitted online or through the USAA mobile app.
  • Discounts: You can bundle home and auto insurance policies for a savings of up to 10%. USAA also offers a Claims-free discount.
  • Other insurances offered: Auto, condo, flood, life, motorcycle/RV/boat, rental property, renters, small business, umbrella, and valuable personal property
  • Find out more

Travelers

  • Homeowners insurance options: Dwelling coverage, personal property coverage, loss of use, and personal liability are covered; additional coverage is available for special personal property, contents replacement, replacement cost protection, jewelry and valuable items, personal articles, water backup, identity fraud, and green home repairs.
  • Coverage limitations: Does not cover home businesses
  • Customer service: Agents are available by phone and email.
  • Discounts: Travelers offers several discounts including Multi-Policy and Protective Device discounts.
  • Other insurances offered: Boat/yacht, car, condo, wedding and event, landlord, renters, and umbrella liability coverage
  • Find out more

The Hartford (AARP Homeowner Insurance Program)

  • Homeowners insurance options: Dwellings, other structures, personal property, loss of use, liability, and medical payments (if someone is injured on your property). Full replacement cost and identity fraud expense coverage are some of the additional protections offered.
  • Coverage limitations: Flood damage is not covered, certain items such as jewelry are only covered up to a certain limit without additional valuable items coverage.
  • Customer service: Customer service is available by phone, and you can track your claim online.
  • Discounts: The Hartford offers several discounts, including home and auto insurance bundles, home security credits, and retiree discounts for AARP members.
  • Other insurances offered: Auto and business
  • Find out more

American Family Insurance

  • Homeowners insurance options: A standard insurance policy covers fire and smoke, most weather damage, falling objects, vandalism, power surges, theft, and wildfire. If your home is unlivable due to a covered loss, American Family Insurance will help you cover your temporary housing expenses while repairs are being made.
  • Coverage limitations: Policies do not cover floods, any damage due to property neglect, or any roommates not insured under the homeowners policy.
  • Customer service: Agents are available by phone, by email, and by live chat.
  • Discounts: Policy bundles, Smart home, Home Purchase, and Renovated Home discounts are offered, among others.
  • Other insurances offered: Auto, Business, condo, farm and ranch, identity theft, life, renters, travel, umbrella, and health
  • Find out more

Also see our research on insurance companies that allow trampolines and homeowners insurance for pit bull owners. For a guide specific to home title insurance and similar services, see our research on whether or not Home Title Lock is a good investment.

2 comments

  • Westly Smith says:

    Thanks for the list of insurance companies to consider. I just bought my first home, and am still looking for a good insurance policy. I’m going to try MetLife Homeowners Insurance. I like how they offer non-flooding water backup coverage.

  • Great breakdown of the different types of insurance you can get from the different companies. It’s nice to have it laid out in front of you to be able to make a better decision. Thanks for sharing.