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35 Best Homeowners Insurance Companies Reviewed - 2020


Read reviews for the top 35 home insurance companies. No one carrier is competitive everywhere, so it's best to research which home insurance carriers are competitive in your neighborhood before purchasing coverage.

  Insurance Company State Coverage Financial Rating Market Share Known For
1 Progressive 50 states AM Best A+ 1.16% Experienced
2 Hippo 20 states AM Best A- <0.5% Digital 
3 State Auto 30 states AM Best A- <0.5% New Tech
4 Travelers 50 states AM Best A++ 3.77% Experienced
5 Nationwide 50 states AM Best A+ 6.88% Experienced
6 SafeCo (Liberty Mutual) 50 states AM Best A 3.77% Experienced
7 Encompass and Allstate 40 states AM Best A+ 8.46% Experienced
8 Foremost (Farmers) 50 states AM Best A 5.97% Specialty
9 Mercury 11 states AM Best A <0.5% California
10 The Philadelphia Contributionship 5 states AM Best A <0.5% Experienced
11 USAA 50 states AM Best A++ 1.16% Veterans
12 Stillwater 50 states AM Best A- <0.5% Service
13 Chubb 50 states AM Best A++ 2.95% High Value
14 Swyfft 9 states AM Best A- <0.5% Digital
15 Plymouth Rock 6 states AM Best A- <0.5% New Tech
16 Kingstone 4 states AM Best A- <0.5% New York
17 Velocity 5 states AM Best A <0.5% Coastal
18 Tower Hill 14 states AM Best A- 0.65% Specialty
19 Lighthouse 4 states AM Best A- <0.5% Coastal
20 Universal P&C 16 states Demotech A 1.04% Experienced
21 Homeowners of America 5 states Demotech A <0.5% Regional
22 Heritage 12 states Demotech A 0.83% Florida
23 Openly 6 states AM Best A- <0.5% Digital
24 Florida Peninsula and Edison 1 state Demotech A <0.5% Florida
25 UPC Insurance 12 states Demotech A 0.76% Coastal
26 People's Trust 1 state Demotech A <0.5% Florida
27 FedNat and Monarch 5 states Demotech A <0.5% Florida
28 Cabrillo Coastal 13 states Demotech A <0.5% Coastal
29 CA FAIR Plan (fire) 1 state Government <0.5% California
30 Lloyds 50 states AM Best A <0.5% Specialty
31 Olympus 1 state Demotech A <0.5% Florida
32 Lemonade 25 states Demotech A <0.5% Renters
33 Neptune (flood) 27 states AM Best A <0.5% Flood 
34 Aon Edge (flood) 46 states AM Best A <0.5% Flood
35 NFIP and FEMA (flood) 50 states Government 3.57% Flood 

Home insurance is such a fascinating and complex product. The best carrier can vary so much from person to person and price can change drastically based on:

  • property type
  • your state
  • distance to coast
  • claims history
  • pets you own

Are you feeling a little lost? Here is a guide on how to buy home insurance.

If you are ready to check your home insurance rates, you can use my advanced quoting tool:

Get Quotes From A-Rated Home Insurance Companies

At your service,
Young Alfred