Top 40 Home Insurance Companies 2021
Top 40 Homeowners Insurance Companies - 2021 Reviews

Young Alfred's annual list of the Top Rated Home Insurance Companies. Home insurance reviews can differ by region as no single carrier is competitive for all geographies, or all houses, or all homeowners, so it's best to research multiple home insurance options before securing coverage for your home.

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Best Home Insurance Companies for 2021

  Insurance Company State Coverage Financial Rating Market Share Known For
1 Progressive 50 states AM Best A+ 1.58% Established
2 Travelers 50 states AM Best A++ 4.08% Experienced
3 Hippo 32 states AM Best A- <0.5% Digital 
4 Openly 6 states AM Best A- <0.5% Digital
5 Nationwide 50 states AM Best A+ 3.12% Experienced
6 Farmers / Foremost 50 states AM Best A 5.71% Specialty
7 State Auto 30 states AM Best A- <0.5% New Tech
8 USAA 50 states AM Best A++ 6.57% Veterans
9 Allstate / Encompass 50 states AM Best A+ 8.38% Experienced
10 Liberty Mutual / Safeco 50 states AM Best A 6.48% Experienced
11 Mercury 11 states AM Best A <0.5% California
12 Heritage 12 states Demotech A 0.77% Florida
13 Chubb 50 states AM Best A++ 2.87% High Value
14 State Farm 50 states AM Best A++ 17.97% Experienced
15 Stillwater 50 states AM Best A- <0.5% Service
16 American Integrity 1 state Demotech A <0.5% Florida
17 Universal P&C 19 states Demotech A 1.17% Experienced
18 Swyfft 7 states AM Best A- <0.5% Digital
19 Plymouth Rock 6 states AM Best A- <0.5% New Tech
20 Velocity 6 states AM Best A <0.5% Coastal
21 Tower Hill 14 states AM Best B++ 0.65% Specialty
22 Homeowners of America 5 states Demotech A <0.5% Regional
23 Pacific Specialty  50 states AM Best A- <0.5% California
24 Lemonade 36 states Demotech A <0.5% Mobile
25 Lighthouse 4 states AM Best A- <0.5% Coastal
26 TPC 5 states AM Best A <0.5% Experienced
27 SageSure 14 states AM Best A- <0.5% Coastal
28 Kingstone 4 states Demotech A <0.5% New York
29 Florida Peninsula Edison 1 state Demotech A <0.5% Florida
30 UPC Insurance 12 states Demotech A 0.83% Coastal
31 People's Trust 1 state Demotech A <0.5% Florida
32 FedNat Monarch 1 state Demotech A <0.5% Florida
33 Olympus  1 state Demotech A <0.5% Florida
34 CA FAIR Plan (fire) 1 state Government <0.5% California
35 Citizens (hurricane) 1 state Government <0.5% Florida
36 Cabrillo Coastal 13 states Demotech A <0.5% Coastal
37 Lloyds 50 states AM Best A <0.5% Specialty
38 Palomar (earthquake) 17 states AM Best A- <0.5% Earthquake
39 Aon Edge (flood) 46 states AM Best A <0.5% Flood
38 Neptune (flood) 39 states AM Best A <0.5% Flood 
40 NFIP (flood) 50 states Government <0.5% Flood 

Home Market Share Data Provided By NAIC
 

Looking to learn more about home insurance - here is our expert guide on how to buy home insurance. The guide will break down the important coverages in a home insurance policy and what to look for when purchasing home insurance coverage.

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