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Our exclusive findings will help you find coverage that’s top-notch and well-priced
To find the best homeowners insurance companies in America, Consumer Reports fielded an exclusive survey of tens of thousands of our members.
To be specific, 59,670 people told us about 65,000 experiences they’d had with their homeowners insurance carriers—including settlements of claims within the past five years, prices paid for insurance premiums, policy reviews, and other key aspects of shopping for and owning this important coverage.
We’ve taken this approach because it’s not enough to know how well a homeowners insurance carrier treats customers on the phone, or how easy the policy is to read—although those were among the attributes we considered. It’s after catastrophe strikes—a storm, fire, robbery, or even a liability lawsuit—that you truly find out if you’ve got a reliable ally, one that’s responsive during the claims settlement process and pays you fairly.
Responses to our survey inform our ratings of 24 homeowners insurance carriers, which is available to CR members. Our list includes well-known homeowners insurance companies like Allstate, Amica, Farmers, Nationwide, State Farm, Travelers, and USAA.
We’ve named three true winners in our homeowners insurance ratings, although only one carrier excelled in every aspect of our survey. The other two insurers weren’t far behind, and like the highest-rated homeowners insurance company, they earned exemplary overall satisfaction scores.
Notably, the members of this triumvirate are all “direct writers,” which means that their own employees—not independent agents—sell and service their policies, typically online. In theory, leaving out that middleman can save the insurer money, which it can pass on to policyholders in lower premiums. One of the top three is a mutual company—owned by its policyholders—and another operates in a mutual fashion; in flush years they may pay eligible homeowners policyholders a share of the surplus they’ve earned in the form of dividends. Each company in the top trio also has relatively stringent criteria for new customers, which means that not everyone qualifies for coverage.
Consumer Reports members can read on to see which companies topped our homeowners insurance ratings. You also can see the performance of 21 other companies, many with commendable or satisfactory overall scores and more open eligibility requirements.
Become a member to read the full article and get access to digital ratings.
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