The best in home insurance

Tied with Amica this year, USAA is the Best Home Insurance Company Overall for the fourth year in a row. Although it is only available to military members, veterans and their qualifying family members, year after year, USAA receives outstanding marks from J.D. Power for customer satisfaction. Its rates remain low compared to the national average, as well. Replacement cost coverage for personal belongings and identity theft protection comes included with USAA's base policy — perks that usually cost extra from other companies. USAA also offers a well-rounded list of coverage endorsements and no-deductible coverage for military gear and uniforms.

Homeowners looking for a well-rounded home insurance company may want to consider Amica. It offers two pre-packaged coverage choices, Standard HO-3 and Platinum HO-5. The latter includes perks like dwelling replacement coverage, water backup and replacement cost coverage for personal property. Customers also have the option of dividend policies and could receive anywhere from 5 to 20 percent back on their premiums. Plus, Amica consistently receives top marks from J.D. Power for customer and claims satisfaction. To learn more about Amica, you can call 1-800-242-6422 or visit amica.com. 

2025 marks the third year in a row Chubb is the Bankrate Awards winner for Best for High-Value Homes. Homeowners willing to spend a little more on their insurance for a more comprehensive coverage package may find what they need from Chubb. Its Masterpiece home insurance policy automatically includes extended replacement cost coverage, a cash settlement option following a total loss and a suite of complimentary risk consulting programs.

Auto-Owners hits the sweet spot of low average rates and plentiful discounts, making it a good option for homeowners looking to spend less to protect the financial investment they’ve made in their homes. Its Homeowners Plus endorsement offers a unique package of extras like coverage for appliance leaks and food spoilage, and it offers inland flood coverage, a special add-on for homes in lower-risk flood zones. If you live in one of the 26 states it services and are on a budget, this may be a carrier worth considering.

American Family was one of just four companies that ranked above average in the shopping and service categories of the J.D. Power U.S. Insurance Digital Experience Study. Its mobile app boasts an impressive 4.8 out of 5.0 stars on the App Store, although its rating is lower on Google Play. On top of its highly rated digital tools, we chose American Family for Best Digital Home Insurance Company for its claim tracking system. Through the MyAmFam app, policyholders can track claim statuses and communicate with agents via email, phone call and text message.

Managing your home and auto policies with two different companies can be difficult, but Nationwide makes it simple to bundle the two together. Both policies are available in nearly every state, as are agent offices, making it a solid choice for a wide range of homeowners to bundle policies. Plus, J.D. Power highly rates the company’s digital capabilities, which could make it appealing to homeowners who want the option to manage their home and auto policies online.

When you get a home insurance policy from Chubb, you gain access to a few different preventative home assessments — Risk Consulting, HomeScan and Wildfire Defense — to help lessen future losses. Windstorm and earthquake endorsements are also available, which can add an extra layer of financial protection to homeowners in high-risk areas. Further, Chubb's private flood insurance policy includes up to $7,500 in additional living expenses coverage, something not available from the National Flood Insurance Program.

Insurance can be overwhelming for first-timers, but homeowners may find what they need with Allstate. New Allstate customers can save with a welcome discount, and the company offers additional savings to recent homebuyers. Allstate is available in nearly every state (except California), and homeowners can get a quote online or get help setting up coverage in person at a local agent office. Further, App Store and Google Play users have mostly good things to say about managing their Allstate policies digitally.