2023 home insurance company reviews from Policygenius

AAA home insurance is a stellar idea if you have an existing AAA membership or auto insurance policy — you’ll receive extra savings on your home insurance rate for either.

Pros

• Affordable rates, plus 15+ home insurance discounts available

• 20+ policy coverages and add-ons — including flood and earthquake insurance

• Slew of other perks and discounts that come with AAA membership

Cons

• AAA membership required to purchase home insurance

• Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through

• Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies

Acuity home insurance stands out for its extensive optional coverages, a strong customer service track record, and one of the best policy bundling packages we’ve come across.

Pros

• Guaranteed replacement cost dwelling coverage available

• Exceptional customer service and informational content

• Bundling package includes several perks and incentives

Cons

• Rates are higher than the national average

• Limited discount options

• Only available in 26 states

AIG offers high-dollar policy limits, exclusive coverage add-ons, and complimentary wildfire and hurricane protection services — best for affluent homeowners looking to purchase multiple insurance policies with one luxury carrier.

Pros

• Offers higher coverage limits for high-value homes

• Guaranteed & extended replacement cost coverage available

• Complimentary wildfire and hurricane mitigation services

Cons

• Can’t purchase a stand-alone home insurance policy

• Only insures homes valued at $750,000+

• Can’t file claims online

With excellent customer service ratings, strong financial stability, and nearly 80 years of experience in the industry, Alfa home insurance is a solid choice for homeowners seeking reliability.

Pros

• Receives fewer complaints than other companies of its size

• Offers a comprehensive website and mobile app

• High financial strength rating with A.M. Best, meaning it likely has the reserves to pay out claims in the wake of a natural disaster

Cons

• Rates are nearly $1,000 more than the national average, and it only offers 4 discounts

• Only available in 6 states throughout the South

• Fewer coverage add-ons and discounts compared to larger home insurance companies

With industry-best coverage options, high financial strength and customer satisfaction ratings, and affordable rates in many states, Allstate is one of the best home insurance options on the market.

Pros

• High-quality and flexible policy options

• Numerous discounts and features that help you save

• Below-average customer complaints

Cons

• Below-average digital experience rating with J.D. Power

American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.

Pros

• Affordable rates and 11 available discounts

• Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

• Diminishing deductible feature to lower out-of-pocket claim costs

Cons

• Only available in 19 states

• Offers online quotes, but requires talking to an agent to complete the process

If you’ve had trouble finding a homeowners insurance policy due to the age of your home, its location, condition, or its claims history, American Modern is a good alternative to consider since it specializes in home insurance for high-risk homes.

Pros

• Covers high-risk homes that have been rejected by other standard insurers due to age, location, or claims history

• Offers a slew of policy add-ons and coverages for different types of homes, including mobile, vacation, and vacant homes

• Received 20% fewer customer complaints than other companies of its size

Cons

• No online quote tool

• Can be more expensive than traditional insurers

Amica home insurance is a solid choice for homeowners looking for affordable rates, a unique dividend policy option, and a company with stellar claims and customer satisfaction ratings.

Pros

• Unique dividend policy option to earn up to 20% back on insurance premiums each year

• Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys

• Available everywhere except Hawaii and Alaska

Cons

• Dividend policy isn’t available in high-risk states like Florida and California

Armed Forces Insurance (AFI) offers home insurance policies to veterans, active military members, and their families. It’s a good pick if you’re looking for affordable rates and a slew of extra coverage add-ons.

Pros

• Cheap rates that are 23% below the national average

• Several valuable coverage add-ons, including water backup, valuable items, flood insurance, earthquake insurance, and more

• Gives back to the military community by supporting local food banks and providing resources for individuals with post-traumatic stress disorder

Cons

• Only available to members of the military, veterans, and their families

• Poor customer service and financial strength ratings

• Doesn’t offer an app

Auto-Owners home insurance policies are among the most affordable and customizable around. They’re backed by impeccable financial ratings, making it a great coverage option in the 26 states where it’s available.

Pros

• Affordable rates

• Several additional coverage options

• Up to 12 available discounts

Cons

• Only available in 26 states

• Not able to get quotes or file claims online

Chubb home insurance is ideal for high-value properties, offering robust policy add-ons like replacement cost coverage for your home and belongings, advanced digital tools, and a personalized loss-settlement process if you need to file a claim.

Pros

• Extended replacement cost coverage

• Cash-out claim settlements

• Complimentary wildfire and hurricane mitigation services

Cons

• Only insures high-value homes

• Below-average J.D. Power customer satisfaction ratings

As Florida’s version of the Fair Access to Insurance Requirements (FAIR) Plan, Citizens home insurance might be a good fit if you’ve struggled to qualify for coverage due to multiple past claims, living in a high-risk coastal area, or having an old roof.

Pros

• Covers high-risk Florida homes that don’t qualify for coverage elsewhere

• Wind, flood, and dwelling fire insurance policies available

• Managed repair contractor network program

Cons

• Rates are 3 times higher than the national average

• Fewer coverage options and lower limits than competitors

• No online quote tool

Encompass is an excellent option if you’re looking for comprehensive coverage add-ons with higher limits than what you’d find in a standard home insurance policy, including extended replacement cost coverage of up to 200% of your home’s value.

Pros

• Save up to 30% when you bundle your home and auto insurance

• Guaranteed replacement cost coverage for your home available

• Accepts all dog breeds — rare among insurance companies

Cons

• Rates are nearly 25% higher than the national average

• Can’t file insurance claims online

• Not available in 10 states — Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming

Erie home insurance features a wide variety of coverage options and highly-rated customer service at an affordable rate, making it a great option in the 12 states where it’s available.

Pros

• Cheap rates

• Guaranteed replacement cost comes standard on Erie policies

• Excellent customer service and claims satisfaction ratings

Cons

• Only available in 12 states

• Just three available discounts

• Can’t get quotes or file claims online

Farmers home insurance is a good option for homeowners looking for a robust lineup of coverage add-ons at a decent price to ensure your home, belongings, and personal liability are fully protected.

Pros

• 12+ discounts to save on rates

• Extended and guaranteed replacement cost for your home

• Shave $50 off your deductible each year you’re with Farmers

Cons

• Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

Foremost is a great option for homeowners who’ve been denied coverage by traditional insurance companies. It’s willing to insure high-risk homes that are older, showing obvious signs of wear and tear, have an extensive claims history, and more.

Pros

• Insures high-risk homes that are older, showing signs of wear and tear, or have a history of claims

• Works with homeowners with bad credit

• Offers guaranteed and extended replacement cost coverage for your home

Cons

• Rates are 27% higher than the national average

Geico home insurance is best for homeowners looking to bundle their home insurance policy with their Geico auto insurance policy to score a multi-policy discount.

Pros

• Available in all 50 states

• Bundling discount to save on home & auto insurance

• Easy-to-use app to manage policy

Cons

• Not a direct insurance carrier

• Cost varies by company Geico places you with

• Customer service & claims options vary by company

Grange Insurance is best suited for homeowners who prefer to work with a local agent to get a quote — you can't get a home insurance quote online. However, it makes up for it with its mobile app that makes managing your policy and filing claims a breeze.

Pros

• Rates are 10% cheaper than the national average

• Received around 65% fewer complaints than other insurers of its size in 2021

• Mobile app makes it easy to manage your policy and file claims

Cons

• Only available in 13 states

• No option for online quotes

• Doesn’t offer flood insurance

The Hartford’s partnership with AARP makes it an excellent home insurance option for homeowners who are already AARP members. There are no age restrictions on AARP membership, though their benefits are aimed mainly at people over 50.

Pros

• High ratings for financial stability, customer service, and coverage options

• Mobile app makes it easy to report and track claims, view digital ID cards, and update your policy

• Disappearing deductible program if you go three years without filing a claim

Cons

• Must be an AARP member to purchase a policy

• Rates are 27% higher than the national average

• Not available in all 50 states

Hippo home insurance is a great option for homeowners willing to install smart home monitoring kits that detect everything from break-ins to water leaks in order to keep rates low.

Pros

• Affordable rates

• Several tech-friendly discounts and incentives

• Complimentary home maintenance service

Cons

• Not able to file claims online

• Lack of industry reputation

• Tech-forward approach may not appeal to everybody

Homeowners Choice insurance is best for Florida homeowners who are looking to purchase both home and private flood insurance coverage. It’s one of few insurers willing to write policies in The Sunshine State.

Pros

• Specializes in coverage for Florida homeowners in high-risk areas

• Offers private flood insurance coverage

• Earns an A (Exceptional) score with financial strength rating company Demotech

Cons

• Receives nearly 6 times the number of complaints than other insurers of its size

• Can’t bundle home and auto insurance

• Website provides very little information and transparency about coverages it offers

Homesite home insurance comes with affordable rates that are 25% lower than the national average — plus you can choose from 15 policy add-ons to ensure your home is fully protected.

Pros

• Affordable rates nearly 25% cheaper than the national average

• 15 policy add-ons for extra protection, including extended replacement cost coverage

• Offers flood and earthquake insurance, plus complimentary wildfire protection and mitigation services

Cons

• Low score in J.D. Power’s claims satisfaction study

Kemper home insurance is ideal for homeowners looking for cheap insurance that doesn’t fall flat on customer service. Its average rates are nearly $1,000 below the national average, and it receives 50% fewer complaints than other companies of its size.

Pros

• Cheap rates nearly $1,000 below the national average

• Offers three levels of coverage to tailor your policy to your needs and budget

• 50% fewer customer complaints than other insurers of its size

Cons

• Only available in 18 states

• Website lacks detailed policy information and it doesn't offer a mobile app

• Only offers 4 discounts

Kin homeowners insurance is ideal for homeowners in California, Florida, Louisiana, and South Carolina who aren’t afraid to work with a company based solely online.

Pros

• Available in Florida, Louisiana, South Carolina, and California — states at high risk of weather-related damage and often difficult to find coverage in

• Claims to save homeowners an average of $730 when they switch to Kin

• Offer private flood insurance endorsement — rare among other insurance companies

Cons

• No local agents to meet with in person

• Can’t bundle your home and auto insurance

Lemonade uses technology to make purchasing homeowners insurance through its app fast and painless, while still receiving high scores for customer service.

Pros

• Its app offers quick, easy service — whether you’re purchasing a policy, making a claim, or paying your premium

• Donates any unused portion of your premium — after paying fees and claims — to a charity of your choice through its Lemonade Giveback program

• Earns a perfect 5-star customer experience rating thanks to the minimal number of complaints it received in 2021

Cons

• Only available in 22 states and Washington, D.C.

• Doesn’t have financial stability rating from A.M. Best like older, larger companies

• Doesn't offer in-person customer service

Liberty Mutual is a good option for homeowners nationwide who are looking for a robust lineup of policy add-ons, including guaranteed replacement cost coverage, water backup protection, inflation guard coverage, and flood insurance through the NFIP.

Pros

• 10+ discounts available to lower rates

• Offers water backup coverage, inflation protection, and flood insurance

• Available in all 50 states and Washington, D.C.

Cons

• Below-average scores in J.D. Power’s overall customer satisfaction and digital experience surveys

• 3 times more complaints than other similar-sized insurance companies

Mercury home insurance has an impressive array of coverage options, bundling discounts, and is one of the top-rated companies for web and mobile experience, making it a solid option for homeowners in the 10 states where it’s available.

Pros

• Lower than average rates

• Optional equipment breakdown, service line, and water backup coverage

• No minimum dwelling coverage limit requirements

Cons

• Strict roof underwriting restrictions

• Higher-than-average number of customer complaints

• Only available in 10 states

National General home insurance is the ideal mix of low prices, reliable customer service, and plenty of coverage options to suit the needs of many types of homeowners.

Pros

• Affordable rates nearly 50% cheaper than the national average

• Offers both private flood insurance and coverage through the National Flood Insurance Program

• Received 70% fewer complaints than other insurers of its size in 2021

Cons

• Doesn’t offer coverage for mobile or manufactured homes

Nationwide stands out for its multiple extended dwelling coverage options and high claims satisfaction ratings, making it a choice insurance option for homeowners in states prone to hurricanes or wildfires.

Pros

• Multiple high-quality coverage options

• Highly rated for claims satisfaction with J.D. Power

• Available in most states

Cons

• Below-average customer satisfaction and digital experience ratings

• Won’t cover Airbnbs or other short-term rentals

NJM Insurance offers a slew of home insurance coverage add-ons to customize your policy while keeping customer service high and prices low.

Pros

• Cheap rates and 9 discounts to save even more, including ones for being a non-smoker and owning a backup generator

• Excellent NAIC score for customer service — received 100% fewer complaints than other insurers of its size in 2021

• Offers a variety of lesser-seen endorsements, such as earthquake, flood, and assisted living care coverage

Cons

• Only available in five states — Connecticut, Maryland, New Jersey, Pennsylvania, and Ohio

• Doesn’t offer mobile app or customer service via online chat

Openly insurance is ideal for homeowners with high-value homes up to $5 million who are looking for a policy they can customize to fit their unique needs, though it’s only available in 21 states.

Pros

• Offers up to $5 million in coverage for high-value homes

• Robust lineup of policy add-ons with high limits to customize coverage to fit your needs

• No restrictions on pools without fences or dangerous dog breeds

Cons

• Only available in 21 states

• Fewer home insurance discounts than competitors

• Not included in J.D. Power’s customer satisfaction studies

Plymouth Rock is ideal for homeowners in the Northeast looking for cheap rates that are 60% below the national average, as well as lots of coverage add-ons.

Pros

• Cheap rates that are around 60% lower than the national average

• Guaranteed replacement cost coverage for your home available

• Offer private flood insurance with up to $2 million in coverage through its partnership with Neptune Flood

Cons

• Doesn’t offer replacement value coverage for your personal belongings

• Only available in six states throughout the Northeast

As an insurance broker, We recommend Progressive home insurance if you’re looking to purchase home and auto insurance at the same time to score a multi-policy discount. Otherwise, you’re likely better off working with an insurance carrier directly.

Pros

• Available in all states except Alaska and Hawaii

• Slew of policy and discount options available

• Easy-to-use app to manage policy

Cons

• Not a direct insurance carrier

• Cost varies by company Progressive places you with

• Customer service & claims options vary by company

QBE Insurance earns high marks for its strong financial stability ratings and decent customer experience score, but it’s not transparent about costs, coverages, or discounts available.

Pros

• Available in all 50 states and Washington, D.C.

• Strong financial strength rating with A.M. Best and established company history

• Offers flood insurance through the National Flood Insurance Program

Cons

• Limited information about discounts and coverage options available on its website

• No online quote tool and difficult-to-navigate website

Safeco home insurance could be a good pick for homeowners looking to bundle their home and auto insurance policies with one company, as it offers both a multi-policy discount and single-deductible claims if your car and home are damaged in the same event.

Pros

• Affordable rates — 15% below the national average

• Extended replacement cost coverage for your home available

• Only pay one deductible if your home and car are damaged in the same event when you bundle policies with Safeco

Cons

• Not available in Alaska, Delaware, Florida, or Hawaii

• Doesn’t offer water backup coverage or flood insurance

• Below-average score in J.D. Power’s overall customer satisfaction study

State Auto home insurance is best for homeowners looking to find some of the lowest rates in the industry without compromising on coverage. It has the cheapest cost of all of the companies we reviewed, with an average rate of $857 per year.

Pros

• Cheapest overall rates of the companies we reviewed

• Extended replacement cost coverage of up to 25%

• 15+ coverage add-ons for enhanced protection

Cons

• Doesn’t offer guaranteed replacement cost coverage

• Doesn’t offer flood insurance

• Only available in 28 states