Compare Home Insurance

The Highlights

• Comparing rates on home insurance is the best way to save on your policy.
• Our best overall home insurance company is Liberty Mutual, but it really depends on what’s most important to you.

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Homes come in all shapes and sizes, as do insurance companies. When trying to find coverage for what could be your biggest asset, it can be daunting to sift through the many home insurance companies competing for your business. How do you compare home insurance companies?

Having researched over 200 insurance companies, we at Expert Insurance Reviews have done the bulk of the home insurance comparison research for you. All you have to do now is compare homeowner insurance companies from our list.

Below you will find our 10 favorite home insurance companies, along with a brief description of why we recommend each of them. For new home insurance shoppers, it is important to know that pricing can fluctuate based on a variety of factors. Therefore, it is important to compare multiple home insurance rates from a few of the best insurance companies to ensure that you are getting a good price for the coverage you need.

If you are interested in finding affordable home insurance,  simply enter your ZIP code to get instant, free quotes from the best home insurance companies in your area.

Top 10 Picks for Home Insurance

There are currently 2,509 insurance companies in the United States, which means if you are planning on buying home insurance, there are a lot of companies to choose from.

To help you compare homeowners insurance companies, policies, and rates, we have created the following list of our recommendations for the top 10 home insurance companies. Also in this best home insurers review, we have included a brief description for each one, explaining why we believe that the company would be a great fit for you.

Liberty Mutual – Best Overall

Number one on our list of the top home insurance companies is Liberty Mutual Insurance. Liberty Mutual is one of the biggest home insurance companies in the country that sells personal home insurance. The company continues to rank well every time it is reviewed by Expert Insurance Reviews. As a top-five home insurer in the U.S., its premiums are below average and it ranks highly with third-party rating agencies.

Progressive – Best for Budget Shoppers

Next up on our list is Progressive. Progressive is a leading direct-to-consumer insurance company, which means it cuts out a lot of the home insurance costs by giving customers the option of dealing directly with the company as opposed to working through an insurance agent who is working off large commissions. If keeping coverage costs to a minimum for your needs is a priority for you, Progressive should be included in your home insurance price comparison.

USAA – Best for Military Members

USAA Insurance is one of the top home insurers by nearly every metric available. Its name is on just about any reputable home insurance company reviews rating list. Military members and their families should add USAA to their research list when looking for one of the most reliable home insurance companies to cover them.

State Farm – Best for Agent Driven

State Farm is the largest personal insurance company in the United States and is fueled primarily by its agents. If working face-to-face on home insurance is important to you, State Farm Insurance is a good place to start with your comparison shopping. State Farm also provides car and life insurance in addition to home insurance and has high ratings on insurance comparison sites reviews such as A.M. Best and the Better Business Bureau.

Chubb – Best for High Net Worth

Chubb Insurance is not the cheapest home insurance company on the block, but its service and claims handling are unmatched. Chubb Insurance company also has a high rating with the Better Business Bureau as well as a low complaint volume.  If you are a believer in the saying, “you get what you pay for,” Chubb Insurance should be a strong competitor for your home insurance business, and high on your list to compare home insurance companies.

Amica Mutual Insurance – Best for Multi-Policy

Amica Mutual is another insurance company that consistently ranks high in nearly every third-party insurance rating system. Individuals and families with multiple things to insure (such as home and auto) will be satisfied with being covered by Amica Mutual Insurance.

Auto-Owners Insurance – Best for Complicated Estates

Despite its name, Auto-Owners specializes in a number of different insurance types. Home insurance is one of the company’s specialties. However, Auto-Owners Insurance Company offers just about every other type of personal coverage, including home and life insurance. The company also provides a great discount program, which helps with the more lofty prices associated with an agent-driven operation.

Allstate – Best for Agent Driven

Allstate operates under a very similar model as State Farm. Individuals and families looking to work face-to-face with an insurance agent, rather than online or over the phone, will want to add Allstate to their list of companies to consider. Allstate Insurance is best known for its auto insurance coverage, however, the company offers coverage options for home and life as well.

Pure Insurance – Best for High Net Worth

Pure Insurance is the new kid on the block when it comes to high net worth insurance coverage. Its white-glove claims service is similar in nature to that of Chubb, and it should be on the shortlist for anyone in this category. Pure Insurance also offers perks and benefits to becoming one of its members that can save you money on your home and auto insurance premiums.

American Modern Insurance Group – Best for Specialty Home Insurance

A leader in manufactured home insurance, American Modern Insurance Group can also provide coverage for other non-standard dwelling situations. If needs fall outside of a typical insurer’s coverage, American Modern is a good place to start your home insurance company comparison.

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How to Compare Home Insurance Companies & Policies: Tips & Advice

The most effective way to shop for a home insurance company is through comparison shopping. This allows you to see multiple companies and decide if their policies will cover what you need at a reasonable price. The best way to compare home insurance is to review your top three choices.

Prior to comparing home insurance companies, you will need to have a good understanding of what you need out of a homeowners insurance policy. Take time to evaluate your needs and determine how much coverage will effectively protect them. In knowing how much coverage you will need before comparing home insurance companies, you are ensuring that each policy you compare will provide the proper coverage for you.

This will also help you to eliminate extra costs. The Insurance Information Institute explains that understanding the different variables involved with homeowners insurance pricing will give you more control over how much you spend on your premiums.

After evaluating your needs, a great place to start finding reputable home insurance companies is a list of home insurance reviews and policy expert home insurance claims reviews. This will ease the sifting process by providing a list of insurance companies with their ratings and homeowners insurance reviews.

The following table includes sample yearly rates for some of the home insurance companies listed above. These are based on $200,000-$250,000 dwelling coverage plans in Pasadena, CA, Denver, CO, Louisville, KY, and Salt Lake City, UT.

The video below gives some helpful tips on what to look for when purchasing a home insurance policy.

This table shows sample annual home insurance rates in Denver, CO for homes valued between $200,000 and $250,000.

Out of this list, Nationwide is the only company that did not have sample rates available for Denver, CO. Also, Chubb Insurance only had sample rates available for Pasadena at $965 a year.

Compare Home Insurance:  The Bottom Line

Whether you are a first-time home insurance shopper or are looking for a different insurance company, taking time to compare home insurance companies, policies, and rates will benefit you tremendously. We at Expert Insurance Reviews compare the majority of insurance companies for you which are then shown in our compare and save reviews.

 

Are you ready to buy home insurance? To help you compare home insurance deals, use our FREE online tool to get instant home insurance quotes from companies in your area.