35 Best Homeowners Insurance Companies, Reviewed - 2020

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35 Best Homeowners Insurance Companies Reviewed - 2020


Review the top 35 homeowners insurance companies in America. No one carrier is competitive everywhere, so always research which carriers are competitive in your neighborhood before making a purchase. 

  Insurance Company State Coverage Financial Rating Market Share Known For
1 Progressive 50 states AM Best A+ 1.16% Experienced
2 Hippo 20 states AM Best A- <0.5% Digital 
3 State Auto 30 states AM Best A- <0.5% New Tech
4 Travelers 50 states AM Best A+ 3.77% Experienced
5 SafeCo 
(Liberty Mutual)
50 states AM Best A 6.88% Experienced
6

Encompass
(Allstate)

40 states AM Best A+ 8.46% Experienced
7

Foremost

(Farmers)

50 states AM Best A 5.97% Specialty
8 Mercury 11 states AM Best A <0.5% California
9 The Philadelphia Contributionship 5 states AM Best A <0.5% Experienced
10 USAA 50 states AM Best A++ 1.16% Veterans
11 Stillwater 50 states AM Best A- <0.5% Service
12 Chubb 50 states AM Best A++ 2.95% High Value
13 Erie 12 states AM Best A+ 1.70% Service
14 Swyfft 9 states AM Best A- <0.5% Digital
15 Plymouth Rock 6 states AM Best A- <0.5% New Tech
16 Kingstone 4 states AM Best A- <0.5% New York
17 Velocity 5 states AM Best A <0.5% Coastal
18 Tower Hill 14 states AM Best A- 0.65% Specialty
19 Lighthouse 4 states AM Best A- <0.5% Coastal
20 Universal P&C 16 states Demotech A 1.04% Experienced
21 Homeowners of America 5 states Demotech A <0.5% Regional
22 Cabrillo Coastal 13 states Demotech A <0.5% Coastal
23 Olympus 1 state Demotech A <0.5% Florida
24 Florida Peninsula 1 state Demotech A <0.5% Florida
25 Edison 1 state Demotech A <0.5% Florida
26 People's Trust 1 state Demotech A <0.5% Florida
27 FedNat 5 states Demotech A <0.5% Florida
28 Monarch 1 state Demotech A <0.5% Florida
29 Heritage 12 states Demotech A 0.83% Florida
30 Lloyds 50 states AM Best A <0.5% Specialty
31 Openly 4 states AM Best A- <0.5% Digital
32 Lemonade 25 states Demotech A <0.5% Renters
33 Neptune 27 states AM Best A <0.5% Flood 
34 Aon Edge 50 states AM Best A <0.5% Flood
35 NFIP
(FEMA)
50 states Government 3.57% Flood 

Home insurance is such a fascinating and complex product. The best carrier can vary so much from person to person and can change drastically based on

  • property type
  • your state
  • distance to coast
  • claims history
  • pets you own 

Still feeling a little lost? No worries! Here is my guide on how to buy home insurance if you are looking to purchase a new policy. Hope that helps!

At your service,
Young Alfred