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
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