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With an uptick in extreme weather events, insurers pulling out of certain markets and rates on the rise, home insurance has become top of mind for many. Our experts weighed coverage options, carrier availability, average prices, customer satisfaction and more to choose the best home insurance companies for 2025. While some winners may be partners, this didn’t influence our selection process.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Read more about how we scored the 2025 Bankrate Awards winners in .

See our top picks

2025 Bankrate Awards Winner Badge

Best home insurance company overall (tie)

USAA

USAA

Learn more in our Bankrate review
Highlights High Bankrate Score Affordable average rates Highly rated by J.D. Power

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best home insurance company overall (tie)

Amica

Amica

Learn more in our Bankrate review
Highlights Widespread availability Pre-packaged coverage A+ AM Best rating

Why they won

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2025 Bankrate Awards Winner Badge

Best for high-value homes

Chubb

Chubb

Learn more in our Bankrate review
Highlights A++ AM Best rating Vast agent network Coverage for valuables

Why they won

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Find home insurance without the hassle

See our picks for top home insurance companies all in one place.

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Awards
2025 Bankrate Awards Winner Badge

Best budget home insurance company

Auto-Owners

Auto-Owners

Learn more in our Bankrate review
Highlights Available in 26 states Ample discount opportunities Few customer complaints

Why they won

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2025 Bankrate Awards Winner Badge

Best digital home insurance company

American Family

American Family

Learn more in our Bankrate review
Highlights Available in 19 states Affordable average rates Online quotes available

Why they won

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2025 Bankrate Awards Winner Badge

Best for bundling home and auto insurance

Nationwide

Nationwide

Learn more in our Bankrate review
Highlights Discount up to 20 percent Auto-home-life bundles High J.D. Power scores

Why they won

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2025 Bankrate Awards Winner Badge

Best for high-risk locations

Chubb

Chubb

Learn more in our Bankrate review
Highlights Replacement cost value for homes Available nationwide Property risk assessments

Why they won

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2025 Bankrate Awards Winner Badge

Best for first-time homeowners

Allstate

Allstate

Learn more in our Bankrate review
Highlights Available in all states except CA Local agents nationwide Highly rated mobile app

Why they won

Top features

Explore the best of the best

Check out the 2025 Bankrate Awards winners across our top categories.