We looked at the 25 largest insurers in the United States by premium volume and the top insurers for customer satisfaction and home property claims performance, as rated by customers in J.D. Power’s national studies.
After that, we verified AM Best Financial Strength Ratings and looked at complaint trends with the help of the National Association of Insurance Commissioners (NAIC).
After identifying the best home insurance companies with strong overall performance, we looked for the best coverage options and determined what differentiated each company. We conducted independent online quotes and, as required, contacted call centers, agents, state regulators, and home insurance marketplaces for additional research.
We gathered additional information about each insurance company’s quote process, policy coverage options, exclusions, discount offers, pricing, and ease of interaction. Finally, we dug into the fine print and compared policy wordings and home insurance contracts (where available) to present our evaluation of the best homeowners insurance companies to you.
