2. USAA – Best for Military Families

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USAA is often rated #1 in homeowners insurance surveys, and for good reason – if you’re eligible (active or former military and family), it’s hard to beat. USAA offers excellent coverage, top-notch customer service, and very competitive rates. Unique benefits include coverage for military uniforms and an option to waive deductibles if damage occurs on a base. USAA’s financial strength is superb, meaning it’s very reliable at paying claims.

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Availability: All 50 states, but only for military members/veterans and their families.

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Note: USAA also tends to have generous dividends and discounts, which can make a great policy even more affordable for those who serve.

3. State Farm – Best for Most Homeowners (Largest Insurer)

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State Farm is the largest home insurer in the U.S., serving millions of customers (around 18% market share). With its vast agent network and decades of experience, State Farm is an excellent all-around choice. It offers standard homeowners policies with solid coverage and a variety of add-ons (like increased replacement cost coverage to rebuild your home even if costs exceed your policy limit).

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State Farm shines for its local agents and personalized service – ideal if you prefer one-on-one guidance. While its rates are average for many regions, the company’s bundling discounts (for combining home and auto insurance) can lead to significant savings.

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Availability: Nationwide.

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Why pick State Farm: financial stability (A++ rated), dependable claims service, and lots of resources for homeowners.

4. Nationwide – Best for Customized Coverage

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Nationwide lives up to its slogan “on your side” by offering highly customizable home insurance options. It’s often highlighted as a top insurer in 2025 by analysts, thanks to features like Brand New Belongings (which pays you the full cost to replace items, not depreciated value) and optional Better Roof Replacement coverage. This means Nationwide can be great if you want to tailor a policy with extras that many competitors don’t offer. Customer satisfaction is solid, and Nationwide’s pricing is usually middle-of-the-pack, but you get a lot of value through its coverage upgrades and discount programs (e.g. for smart home devices or bundling policies).

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Availability: Most states (Nationwide, as the name implies, has broad reach). If you have specific coverage needs or recently built/renovated your home, check out Nationwide’s policy options.

5. Chubb – Best for High-Value Homes

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If you have a high-value home or valuable assets to protect, Chubb is a top-tier choice. Chubb specializes in premium coverage: high dwelling limits, extended replacement cost, cash settlement options, and unrivaled luxury home coverage (they’ll even pay to upgrade materials for historic homes). Importantly, Chubb also ranks very high in claims satisfaction (top 3 in recent J.D. Power studies), reflecting their white-glove claims service. While Chubb’s premiums are on the higher side, affluent homeowners often find the extra cost worthwhile for the breadth of coverage and VIP service (e.g. complimentary home appraisals, risk consulting).

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Availability: All 50 states, but policies target high-net-worth customers.

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Bottom line: For extensive coverage and peace of mind on an expensive property, Chubb is unmatched.

6. Auto-Owners – Best for Agent-Led Service

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Auto-Owners Insurance might not be a household name everywhere, but it’s highly respected in the states it serves (mostly Midwest and Southeast). As a mutual insurer working exclusively through local independent agents, Auto-Owners is ideal if you value a personal touch and guidance from a knowledgeable agent. The company offers plenty of unique endorsements – for example, guaranteed home replacement cost, and even an equipment breakdown coverage add-on (like a home warranty). Auto-Owners also has an excellent reputation for few customer complaints and fair claims handling. Rates tend to be very affordable, especially if you take advantage of their many discounts (multi-policy, protective devices, etc.).

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Availability: 26 states (via agent network). If you live in one of those states and prefer working with a human agent who can shop for you, Auto-Owners provides a great blend of service, coverage and price.

7. Allstate – Best for Easy Online Tools & Bundling

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Allstate is the second-largest home insurer and offers robust digital tools for modern consumers. It provides an intuitive online quote process, a handy mobile app to manage your policy, and features like Claim RateGuard® (to prevent your rate from going up after a claim). Allstate’s coverage is comprehensive and easy to customize, with options such as water backup coverage, yard & garden coverage, and electronic data recovery (good for home office setups). While its customer satisfaction scores are more middle-of-the-road, Allstate’s size means wide availability and a large agent network if you need personal help. It’s also known for generous bundling discounts – for example, combining auto + home could save you up to 25%.

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Availability: Nationwide. If you want a balance of tech convenience and agent support, plus lots of discount opportunities, Allstate is worth considering.

How to Choose the Right Home Insurance (Expert Tips) + Tip

Picking a homeowners insurance policy isn’t one-size-fits-all. Here are key factors and tips to help you find the best fit for your needs:

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• Coverage Comes First: Ensure any policy covers at least the rebuilding cost of your home and your belongings. Look for features like replacement cost coverage (so you’re paid full value without depreciation) and check if special items (jewelry, electronics, etc.) need extra endorsements. A “cheap” policy isn’t good if it leaves you underinsured.

• Compare Quotes: Rates can vary significantly between insurers for the same house. Always get multiple quotes. One company might offer a much lower premium for your profile due to differing underwriting criteria. Use online quote tools or an independent agent to shop around.

• Check Discounts: Almost every insurer offers discounts – bundling (home + auto), security systems, no claims history, new homebuyer discounts, etc. These can really add up. For example, installing smart smoke alarms or a security system might knock 5-10% off your premium with some providers.

• Financial Strength & Reputation: You want an insurer that will pay out when it matters. Check financial strength ratings (e.g. A.M. Best, Standard & Poor’s) – all our top picks rate A or better. Also, consider customer reviews and complaint indexes. A company like Amica or USAA with a stellar reputation gives peace of mind that claims will be handled fairly.

• Consider Your Profile: Some companies cater to specific needs. Military family? USAA. High-value estate? Chubb or AIG. Prefer a local agent? Auto-Owners or State Farm. New homeowner who wants guidance? Look for insurers with strong agent support and educational resources (Allstate, State Farm, etc.). Match the insurer’s strengths to your situation.

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By evaluating these factors — coverage, price, service, and special features — you’ll be equipped to choose the homeowners insurance policy that truly has your back.

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Put Your Cards to Work (Kudos Insider Tip)

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Did you know your credit and credit cards can help you save on insurance? Maintaining a good credit score can lower your home insurance premiums in many states. That’s where Kudos comes in. Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards — all in one convenient platform.

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By staying on top of your credit with Kudos (and even using rewards credit cards to pay your insurance if no fees are added, to earn cash back or points), you can turn your wallet into a money-saving tool for homeownership. Add Kudos to Chrome – It’s Free » and start optimizing your finances today.

Frequently Asked Questions (FAQs)

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What is the #1 homeowners insurance company in 2025?

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There’s no single “#1” that fits everyone, but Amica and USAA often top industry rankings for customer satisfaction and quality. Amica is widely praised for its service, and USAA for its outstanding support of military families. That said, “best” depends on your needs: for some, the best might be State Farm (for its agents and reliability), while for others it could be Nationwide or Allstate due to specific coverage options or discounts. It’s wise to get quotes from a few top companies and compare their offerings side by side.

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How can I lower my homeowners insurance premium?
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Great question! Start with discounts and smart shopping. Bundle your home and auto insurance with the same company for a multi-policy discount (this can save anywhere from 5% to 25%). Install security systems, smoke detectors, or deadbolts – many insurers give safety discounts. Increasing your deductible (the amount you pay out-of-pocket for a claim) is another way to lower premium cost – just be sure you can afford that higher deductible if a disaster strikes. Maintaining a good credit score also helps; in most states, insurers offer better rates to customers with strong credit.

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Does my credit score really affect my homeowners insurance?
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In most states, yes – insurers use a “credit-based insurance score” as a factor to set your rate. Statistics show a correlation between credit history and insurance risk, so homeowners with higher credit scores often receive lower premiums (all other factors being equal). The impact can be significant: a poor credit score might pay substantially more for the same coverage than someone with excellent credit. Not all states allow this practice (California, Maryland, and Massachusetts ban credit from home insurance pricing), but in the majority that do, it’s important to maintain good credit. Paying bills on time, keeping credit card balances low, and using tools like Kudos to manage your credit cards wisely can indirectly save you money on insurance.

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Can I switch homeowners insurance companies mid-policy?
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Yes, you generally can. Homeowners insurance policies can be canceled at any time, though you’ll want to check if your insurer charges any cancellation fee (most don’t for home policies, or it’s minimal). The unused portion of your paid premium will be refunded to you if you cancel early. It’s actually a good practice to review your insurance annually and switch if you find a better deal or need different coverage. Just make sure to avoid any lapse in coverage – have your new policy start on or before the date your old policy ends.