Best home insurance companies of 2026

USAA leads claims satisfaction and pricing for military families and consistently ranks #1 by J.D. Power for home claims.

• Top-rated claims service
• Among lowest rates
• A++ financial strength

Amica is consistently ranked as the top non-military home insurer for claims satisfaction and customer service.

• Industry-leading claims satisfaction
• Dividend policies
• A+ financial strength

Erie outperforms peers in claims satisfaction and quietly offers guaranteed replacement cost in the 12 states where it operates.

• Excellent claims rating
• Guaranteed replacement cost
• A+ financial strength

State Farm pairs the largest agent network with one of the strongest home + auto bundle discounts in the industry.

• Largest U.S. agent network
• Strong bundle discount (up to 17%)
• Excellent in-person claims

Allstate offers one of the deepest bundle discounts and unique combined-deductible perks for shared events.

• Up to 25% bundle discount
• Combined deductible on shared claims
• A+ financial strength

Travelers offers green-home credits and a strong bundle program — particularly attractive for sustainable and energy-efficient homes.

• Green-home discount
• Solid bundle
• A++ financial strength

Nationwide rewards long-term homeowners with a vanishing deductible and offers Brand New Belongings for replacement-cost contents.

• Vanishing deductible program
• Brand New Belongings (RC contents)
• A+ financial strength

Chubb dominates the high-value home segment with guaranteed replacement cost and extended cash-settlement options.

• Guaranteed replacement cost
• Extended cash settlement
• A++ financial strength