Top 10 US Homeowners Insurance Companies

USAA writes $38 billion in annual premiums and consistently earns 97%+ member satisfaction scores — the highest in the insurance industry. Exclusive to military members, veterans, and their families, USAA has served the armed forces community since 1922. Its home policies include military uniform replacement and coverage for government quarters.

USAA

Allstate generated $57 billion in revenue in 2023 and offers bundling discounts of up to 25% when home and auto policies are combined. Founded in 1931, it is the second-largest publicly traded personal lines insurer in the US. Allstate's Claim Satisfaction Guarantee provides a cash payment if policyholders are unsatisfied with the claims process.

Allstate

Liberty Mutual writes $48 billion in premiums annually and employs 45,000 people globally, making it the largest US mutual insurer. Founded in 1912, it offers a broad portfolio including earthquake coverage as a standalone endorsement. Liberty Mutual's digital tools allow customers to manage claims and update coverage entirely online.

Liberty Mutual

Nationwide writes $33 billion in premiums and is known for its annual "On Your Side Review" — a complimentary coverage check offered to every policyholder. Founded in 1926 in Columbus, Ohio, it began as Farm Bureau Mutual Automobile Insurance Company. Nationwide covers replacement cost for personal property without depreciation deductions on most plans.

Nationwide

Farmers writes $28 billion in premiums through a network of 48,000 exclusive agents and has insured American homeowners since its founding in 1928. It offers guaranteed replacement cost coverage that pays the full cost to rebuild even if it exceeds the policy limit. Farmers also provides unique "Claims Forgiveness" that prevents rate increases after the first claim.

Farmers Insurance

Travelers is a Fortune 500 insurer writing $42 billion in premiums and offers IntelliDrive telematics-linked discounts for bundled home and auto policies. Founded in 1853 in Hartford, Connecticut, it is one of the oldest US insurers. Travelers' Green Home Discount rewards customers for owning energy-efficient or certified green homes.

Travelers

Erie Insurance writes $10 billion in premiums and earned J.D. Power's #1 homeowners insurance satisfaction ranking in 2023 — its highest-ever score. Operating in 12 states and Washington D.C., Erie has served customers since 1925. Its ErieSecure Home policy includes guaranteed replacement cost and water backup coverage as standard features.

Erie Insurance

Chubb writes $53 billion in total premiums globally and specializes in high-value homes valued at $1 million or more through its Masterpiece policy. Founded in 1882, Chubb is the world's largest publicly traded property and casualty insurer. Its Wildfire Defense Service deploys private firefighting crews to protect insured properties during active wildfires.

Chubb

Amica Mutual, founded in 1907, is the oldest mutual automobile insurer in the United States and consistently achieves near-100% customer satisfaction scores in independent surveys. Its Platinum Choice Auto and home bundle offers dividend policies that return up to 20% of premiums to policyholders. Amica holds an A+ (Superior) rating from AM Best.

Amica Mutual

USAA writes $38 billion in annual premiums and consistently earns 97%+ member satisfaction scores — the highest in the insurance industry. Exclusive to military members, veterans, and their families, USAA has served the armed forces community since 1922. Its home policies include military uniform replacement and coverage for government quarters.

USAA

Allstate generated $57 billion in revenue in 2023 and offers bundling discounts of up to 25% when home and auto policies are combined. Founded in 1931, it is the second-largest publicly traded personal lines insurer in the US. Allstate's Claim Satisfaction Guarantee provides a cash payment if policyholders are unsatisfied with the claims process.

Allstate

Liberty Mutual writes $48 billion in premiums annually and employs 45,000 people globally, making it the largest US mutual insurer. Founded in 1912, it offers a broad portfolio including earthquake coverage as a standalone endorsement. Liberty Mutual's digital tools allow customers to manage claims and update coverage entirely online.

Liberty Mutual

Nationwide writes $33 billion in premiums and is known for its annual "On Your Side Review" — a complimentary coverage check offered to every policyholder. Founded in 1926 in Columbus, Ohio, it began as Farm Bureau Mutual Automobile Insurance Company. Nationwide covers replacement cost for personal property without depreciation deductions on most plans.

Nationwide

Farmers writes $28 billion in premiums through a network of 48,000 exclusive agents and has insured American homeowners since its founding in 1928. It offers guaranteed replacement cost coverage that pays the full cost to rebuild even if it exceeds the policy limit. Farmers also provides unique "Claims Forgiveness" that prevents rate increases after the first claim.

Farmers Insurance

Travelers is a Fortune 500 insurer writing $42 billion in premiums and offers IntelliDrive telematics-linked discounts for bundled home and auto policies. Founded in 1853 in Hartford, Connecticut, it is one of the oldest US insurers. Travelers' Green Home Discount rewards customers for owning energy-efficient or certified green homes.

Travelers

Erie Insurance writes $10 billion in premiums and earned J.D. Power's #1 homeowners insurance satisfaction ranking in 2023 — its highest-ever score. Operating in 12 states and Washington D.C., Erie has served customers since 1925. Its ErieSecure Home policy includes guaranteed replacement cost and water backup coverage as standard features.

Erie Insurance

Chubb writes $53 billion in total premiums globally and specializes in high-value homes valued at $1 million or more through its Masterpiece policy. Founded in 1882, Chubb is the world's largest publicly traded property and casualty insurer. Its Wildfire Defense Service deploys private firefighting crews to protect insured properties during active wildfires.

Chubb

Amica Mutual, founded in 1907, is the oldest mutual automobile insurer in the United States and consistently achieves near-100% customer satisfaction scores in independent surveys. Its Platinum Choice Auto and home bundle offers dividend policies that return up to 20% of premiums to policyholders. Amica holds an A+ (Superior) rating from AM Best.

Amica Mutual