The 12 best home insurance companies of 2024
Buying a home is likely the biggest investment a person can make, so it's important to make sure it's protected with the best homeowners insurance available. While all of our top picks received a Policygenius rating of 4 out of 5 or higher according to our in-depth reviews of over 60 companies, the best homeowners insurance for you will come down to your specific coverage needs and circumstances.
Given the challenging home insurance market conditions throughout the country in recent years, we oriented this year's guide around what we determined were the top shopping priorities for consumers in 2024. We then listed the top three home insurance providers in each of these areas and grouped them categorically to ensure we were providing homeowners with enough options.
Shopping priority | Top pick | Runner-up | Also great | |
|---|---|---|---|---|
Auto-Owners Insurance | Erie Insurance | Country Financial | ||
Openly | The Andover Companies | Nationwide | ||
Amica | AIG | Farmers | ||
Travelers | Stillwater | Foremost |
Methodology
How we chose the best homeowners insurance companies
To pick the best homeowners insurance companies of 2024, the Policygenius team analyzed several metrics that point to how reliable a company might be when it comes time to use your home insurance coverage. While the average homeowners insurance rate with each company was an important factor, we also considered customer and claims satisfaction ratings, the quantity (and quality) of additional coverage options, state availability, and more. See our full homeowners insurance ratings methodology.
Why you can trust Policygenius
As an online insurance marketplace, Policygenius works closely with homeowners all over the U.S. to help them find a home insurance policy that suits their needs — without bias or favor toward any one company. We don’t get paid for our company reviews, and our ratings reflect the latest pricing data, financial ratings, third-party reviews, and policy options from each company. In addition to using reputable external sources, we also leverage a vast library of internal resources, data points, and insights from our own team of home insurance experts.
Our ratings and company reviews can point you toward an insurer that you can rely on to protect your home and livelihood, but the best homeowners insurance company is based on several different factors. A licensed agent at Policygenius can guide you through your home insurance quotes and help you get the right coverage at the best price.
Best for overall quality
1. Top pick: Auto-Owners Insurance
2024 Policygenius award winner
Auto-Owners Insurance
5.0
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Why we chose it
Auto-Owners Insurance is the highest rated homeowners insurance company in our analysis thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.
Pros and cons
Pros
Affordable rates
Several additional coverage options
Up to 12 available discounts
Cons
Only available in 26 states
Not able to get quotes or file claims online
More details
Auto-Owners Insurance is our pick for best overall home insurance company, scoring at least a 4 out of 5 for price, customer experience, coverage options, and financial strength, which earned it a perfect 5 out of 5 Policygenius rating.
With up to 23 policy endorsements — such as guaranteed replacement cost, inland flood coverage, and a comprehensive Homeowners Plus endorsement package — Auto-Owners offers excellent value for the coverage you're getting that surpasses competitors.
And if you find your quoted premiums are higher than you'd prefer, you can take advantage of up to 12 Auto-Owners discounts to get your rates back down. To put that into context, the average number of discounts the companies we reviewed offer is only 7.
State availability
Auto-Owners home insurance is available in the following 26 states:
Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
2. Runner-up pick: Erie Insurance
2024 Policygenius award winner
Erie
4.5
Offers extended replacement cost
Offers flood insurance
Bundle home & auto
Why we chose it
Erie home insurance policies are among the most robust of any company in our analysis. A basic Erie policy comes with coverages that typically cost extra with other insurers, such as guaranteed replacement cost and lost or misplaced items coverage.
Pros and cons
Pros
Cheap rates
Guaranteed replacement cost comes standard on Erie policies
Excellent customer service and claims satisfaction ratings
Cons
Only available in 12 states
Just three available discounts
Can’t get quotes or file claims online
Erie features the one of the better standard homeowners insurance policy offerings of any company in our analysis, protecting your home with guaranteed replacement cost coverage that pays the full cost to rebuild your house in the event it's damaged or destroyed — regardless of the amount. Erie policies also include all-risk protection that extends coverage on your personal belongings to lost or misplaced items, as well as higher coverage limits for your jewelry, watches, and other expensive items.
Additionally, Erie has some of the highest financial strength and customer satisfaction ratings of any company in our analysis, making this a great all-around home insurance option in the 12 states it's available.
State availability
Erie offers home insurance policies in the following 12 states and Washington, D.C.:
Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, and West Virginia.
3. Also great: Country Financial
Country Financial
4.4
Why we chose it
Country Financial home insurance is one of the best home insurance companies in 2024 thanks to its strong financial strength ratings, superb customer service scores, and several coverage add-ons to ensure your home is fully protected.
Pros and cons
Pros
Industry-best financial strength ratings with AM Best
Numerous coverage add-ons, including guaranteed replacement cost, flood and earthquake coverage, and water backup protection
Excellent customer service ratings, receiving fewer complaints than other similar-sized insurers in 2021
Cons
Not as many discount options compared to other insurers
More details
Country Financial is a quality choice for homeowners looking for a home insurance company with excellent financial strength and customer satisfaction ratings. They received fewer customer complaints than other insurance companies of its size in 2021, according to the National Association of Insurance Commissioners (NAIC) complaint index.
In addition to its high marks for financial stability and service reliability, Country also offers a ton of valuable coverage add-ons, including inflation guard protection, water backup coverage, flood insurance, and guaranteed replacement cost coverage for your home.
State availability
Country Financial offers home insurance policies in 19 states:
Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin.
Best coverage options
1. Best overall coverage: Openly
2024 Policygenius award winner
Openly
4.6
Offers extended replacement cost
Offers earthquake insurance
Why we chose it
Openly insures homes up to $5 million with its impressive lineup of customizable policy add-ons that come with high coverage limits — and the best part? Its rates are surprisingly affordable considering its high-net worth customer base.
Pros and cons
Pros
Offers up to $5 million in coverage for high-value homes
Robust lineup of policy add-ons with high limits to customize coverage to fit your needs
No restrictions on pools without fences or dangerous dog breeds
Cons
Only available in 21 states
Fewer home insurance discounts than competitors
Not included in J.D. Power’s customer satisfaction studies
Openly insurance is ideal for homes valued at $1 million or higher and features a plethora of optional coverage add-ons. In fact, Openly offers the second-highest number of coverage add-ons of the nearly 70 competitor home insurance companies we reviewed, including:
Guaranteed replacement cost coverage for your home
Scheduled personal property and blanket coverage for expensive belongings
Water backup, equipment breakdown, and earthquake protection
Loss assessment coverage with high limits if you live in an HOA community.
And unlike many of its competitors, Openly doesn’t have restrictions on the types of dog breeds it’s willing to insure. You also won’t have an issue getting coverage if you have a pool — no matter if it has a diving board and slide, or no fencing around it.
State availability
Openly offers home insurance policies in the following 21 states:
Alabama, Arizona, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Massachusetts, Mississippi, Missouri, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, and Wisconsin.
Openly has plans to expand coverage to Connecticut and Virginia in 2024.
2. Excellent coverage on the East Coast: The Andover Companies
2024 Policygenius award winner
The Andover Companies
4.9
Offers extended replacement cost
Bundle home & auto
Good student discount
New homebuyer discount
Why we chose it
The Andover Companies is one of our top picks for coverage due to its robust policy options, low complaint ratings, and affordable premiums.
Pros and cons
Pros
Excellent customer service and financial strength ratings
Choose from plenty of coverage add-ons, including water damage, equipment breakdown, cyber, business property, and identity theft protection
Cheaper rates than average
Cons
No online quote tool or mobile app for managing your policy
Can’t file claims online — must call or visit your local agent in person
When you take out a policy with The Andover Companies, you can add a range of coverages to a basic policy, including guaranteed replacement cost for your home, replacement cost for other structures and your property, water backup protection, service line coverage, and more.
Andover Companies also has a stellar customer service record. According to the National Association of Insurance Commissioners, Andover Companies receives only a fraction of complaints compared to average.
State availability
The Andover Companies offers home insurance policies in eight states: Connecticut, Illinois, Maine, Massachusetts, New Hampshire, New Jersey, New York, and Rhode Island.
3. Top-notch coverage in most states: Nationwide
2024 Policygenius award winner
Nationwide
4.5
Offers extended replacement cost
Bundle home & auto
Offers earthquake insurance
Why we chose it
Nationwide home insurance features a slew of comprehensive coverage options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.
Pros and cons
Pros
Multiple high-quality coverage options
Highly rated for claims satisfaction with J.D. Power
Available in most states
Cons
Below-average customer satisfaction and digital experience ratings
Won’t cover Airbnbs or other short-term rentals
Nationwide is about as good as it gets when it comes to both the quality and number of available coverage options. While its standard home insurance policy provides the same basic protection as other companies, customers can easily upgrade to more comprehensive protection by purchasing any of Nationwide’s 14 available coverage endorsements, such as extended and guaranteed replacement cost, better roof replacement coverage, and more.
State availability
Nationwide offers home insurance policies in the following 43 states and Washington, D.C.:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, Nebraska, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Best customer service
1. Best overall for customer satisfaction: Amica
2024 Policygenius award winner
Amica
4.6
Offers extended replacement cost
Bundle home & auto
Why we chose it
Amica remains the standard-bearer of customer satisfaction in residential property insurance, scoring highest in J.D. Power's customer experience survey in every year except one since 2002.
Pros and cons
Pros
Unique dividend policy option to earn up to 20% back on insurance premiums each year
Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys
Available everywhere except Hawaii and Alaska
Cons
Dividend policy isn’t available in high-risk states like Florida and California
Amica placed second in J.D. Power’s 2023 Home Insurance Study, scoring at or near the top in four key categories:
Coverage options
Clarity and accuracy of the billing process
Customer interactions
Claims experience
Even more, Amica earned a superior A+ rating from A.M. Best based on its financial strength and stability, as well as 20% fewer complaints with the National Association of Insurance Commissioners than other companies of its size in 2023.
While Amica can be pricier in some states than its competitors, it may be worth the added expense when you consider the superior level of coverage and customer service you’re receiving.
State availability
Amica offers home insurance policies in every state and Washington, D.C. except Alaska and Hawaii.
2. Runner-up for customer satisfaction: AIG
AIG
4.6
Why we chose it
AIG offers high-dollar policy limits, exclusive coverage add-ons, and complimentary wildfire and hurricane protection services — best for affluent homeowners looking to purchase multiple insurance policies with one luxury carrier.
Pros and cons
Pros
Industry-best customer and claims satisfaction ratings with J.D. Power
Guaranteed & extended replacement cost coverage available
Complimentary wildfire and hurricane mitigation services
Cons
Doesn't allow you to purchase standalone home insurance
AIG is among the top options nationally for customer service, receiving fewer complaints than other insurers of its size in 2023, according to the National Association of Insurance Commissioners National Complaint Index Report. AIG also earned high marks in J.D. Power’s 2023 Home Insurance Study for overall customer satisfaction — placing fourth; and fared even better in J.D.’s 2024 Property Insurance Claims Satisfaction Study with an impressive second place finish.
State availability
AIG offers home insurance policies in all states except Hawaii and Alaska.
3. Highly-rated claims process: Farmers
2024 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.
Pros and cons
Pros
Above-average property claims satisfaction rating with J.D. Power
Extended and guaranteed replacement cost for your home
Shave $50 off your deductible each year you’re with Farmers
Cons
Below-average scores on J.D. Power’s digital experience survey
More details
Landlords with multiple rental units may benefit from SmartMove, a service Farmers offers that allows them to screen potential tenants with just an email address.
Farmers earned one of the highest scores in J.D. Power’s 2024 Property Insurance Claims Satisfaction Study, though it came in below-average on J.D.'s digital experience survey. However, Farmers makes up for it in large part because of its lower number of complaints — receiving around 30% fewer than other insurers of its size in 2023.
State availability
Farmers offers home insurance policies in the following 41 states:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
Best for complex coverage needs
1. Best for homeowners with poor credit: Travelers
2024 Policygenius award winner
Travelers
4.4
Bundle home & auto
New homebuyer discount
Mobile app
Offers extended replacement cost
Offers flood insurance
Why we chose it
Travelers is one of the best insurers for homeowners with low credit thanks to its affordable rates that are only $200 more expensive than those for homeowners with good credit.
Pros and cons
Pros
Green home coverage and discounts
Offers short-term rental coverage for Airbnb hosts
Doesn’t require prior insurance on the home
Cons
Subpar customer service ratings with J.D. Power
Underwhelming number of available discounts
More details
Many home insurance competitors hike up rates as much as $2,000 if you have poor credit, since studies show you're more likely to file a claim. But not Travelers.
Travelers' average home insurance rates for homeowners with good credit versus poor credit only vary by around $200. And you can save even more if you qualify for one of the five home insurance discounts it offers.
State availability
Travelers homeowners insurance is available in 48 states and Washington, D.C., but it's not available in Florida or California.
2. Best option if you've had a lapse in coverage: Stillwater
2024 Policygenius award winner
Stillwater
4.5
New homebuyer discount
Offers extended replacement cost
Offers earthquake insurance
Bundle home & auto
Mobile app
Why we chose it
Stillwater's willingness to insure homes that have gone without home insurance for any period of time makes it one of our top picks for higher risk applicants.
Pros and cons
Pros
Insures homes that had a lapse in insurance coverage
Rates lower than the national average, plus 15 discounts to save even more
Offers a slew of coverage add-ons
Cons
Doesn’t have as strong financial strength rating as other insurers
Wasn’t included in J.D. Power’s 2022 customer satisfaction surveys
Not available in Louisiana
More details
Stillwater is one of the few home insurance companies willing to work with homeowners who've had a lapse in coverage — a rarity in the industry. Most competitors consider homes that have gone without home insurance to be too risky to insure, since many lapses in coverage happen due to missed or late premium payments. But not Stillwater.
Stillwater also stands out thanks to the whopping 15 home insurance discounts it offers help you save on rates. To put this into context, competitor home insurance companies average just seven discounts.
State availability
Stillwater homeowners insurance is available in all states except Louisiana.
3. Best for homes with a history of claims: Foremost
2024 Policygenius award winner
Foremost
4.2
Why we chose it
Foremost is willing to insure high-risk homes that are older, showing obvious signs of wear and tear, or have an extensive claims history. And it’s not afraid to work with homeowners who have bad credit.
Pros and cons
Pros
Insures high-risk homes that are older, showing signs of wear and tear, or have a history of claims
Works with homeowners with bad credit
Offers guaranteed and extended replacement cost coverage for your home
Cons
Rates are 27% higher than the national average
Unlike competitors that shy away from working with older homes, those that are obviously rundown, and homes that have lots of claims on their record, Foremost doesn't.
But that doesn't mean you'll have to skimp on coverage. Foremost offers a wealth of policy add-ons, including guaranteed and extended replacement cost coverage for your home, equipment breakdown and water backup protection, and flood insurance through the National Flood Insurance Program.
State availability
Foremost homeowners insurance is available in all 50 states and Washington, D.C.
Learn more >> Homeowners insurance company reviews
The best homeowners insurance companies in each state
Over the last few years, home insurance premiums have soared due to the increased frequency of natural disasters and high home rebuild costs driven by inflation. More recently, several major insurers — including some of our top-rated national picks — have pulled out of states where weather catastrophes are worsening because of climate change.
To make sure we're meeting the needs of homeowners in the biggest bind, we listed out the top home insurance companies in each state based on local availability, pricing, and coverage options.
State | Best company | Policygenius rating |
|---|---|---|
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
Nationwide | 4.5 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
First Insurance Company of Hawaii | 4.4 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
The Andover Companies | 4.4 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
NJM | 4.5 | |
State Farm | 4.8 | |
NYCM Insurance | 4.8 | |
Auto-Owners Insurance | 5.0 | |
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
The Andover Companies | 4.4 | |
Auto-Owners Insurance | 5.0 | |
Auto-Owners Insurance | 5.0 | |
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
Auto-Owners Insurance | 5.0 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
State Farm | 4.8 | |
Auto-Owners Insurance | 5.0 | |
Auto-Owners Insurance | 5.0 |
Find the average cost of home insurance by ZIP code
Best home and auto insurance bundles in 2024
Most major insurance providers offer significant savings when you bundle your home and auto insurance or purchase multiple types of insurance. On average, customers can save anywhere from 5% to 30% on home insurance premiums alone, according to our analysis of Quadrant Information Services bundling data.
Here are the best insurance companies for home and auto bundles, according to our 2024 analysis.
Company | Policygenius bundling rating | Average bundling rate for home & auto | Average savings |
Auto-Owners Insurance | 4.9 out of 5 | $2,405 | 12% |
USAA | 4.7 out of 5 | $2,434 | 6% |
State Farm | 4.7 out of 5 | $2,341 | 26% |
Erie | 4.5 out of 5 | $2,142 | 18% |
Farmers | 4.0 out of 5 | $3,450 | 18% |
Find out the best home and auto insurance bundles of 2024
How to choose the best homeowners insurance for your needs
Not all home insurance companies are created equal. Follow these steps to compare your options and find a policy that’s a perfect fit for your coverage needs at the best home insurance rates.
1. Determine your coverage needs
Standard home insurance policies cover the structure of your home and detached structures, temporary living expenses after a disaster, and medical and legal expenses if you’re held liable for an injury on your property.
Your dwelling coverage amount should be equal to your home’s replacement cost, or the cost to rebuild after a total loss. This amount is determined by factors such as your home’s square footage and local construction costs — not the home’s market value or remaining mortgage amount.
You’ll also want to factor in any high-value belongings that you own — such as a jewelry collection, rare artwork, or expensive electronics — when setting your personal property coverage amounts. Depending on the quantity or value of the belongings you own, you may want to consider replacement cost personal property coverage or a personal articles floater for your policy.
How to determine your home insurance coverage needs
2. Compare home insurance quotes from a few companies
You know what you care about in a company and how much coverage you need. Now it’s time to shop around. We recommend comparing quotes from at least three different companies to help you find the cheapest policy you qualify for.
Our homeowners insurance experts at Policygenius can do all of the work for you — you simply need to enter some basic information about yourself and your home to get online quotes in just minutes.
When comparing costs, keep in mind that the average homeowner spends roughly $1,899 per year on homeowners insurance. But how much you pay will vary, as no two houses and homeowners are exactly the same.
You’ll also want to keep in mind that your quoted premium is just an estimate and might change after your home is inspected, your credit is checked, and discounts are applied to your policy.
3. Research financial strength and customer satisfaction ratings
Once you have your quotes, check the customer service and complaints ratings for each company.
You can do this by reading our detailed reviews of popular home insurance companies. In these, you’ll find each company’s J.D. Power rating, which is based on feedback from customer satisfaction surveys of over 10,000 homeowners and renters annually. [1]
4. Check for home insurance discounts
Dig into what discounts are available through each of the companies you received quotes from to maximize your savings.
You might be able to score a discount for bundling your home and auto policies, buying a new home, going years with no claims, paying your premiums in full for the year, installing safety devices through your home, and more.
No one company offers all of the same discount opportunities, so do your research to find the one that helps you score the best homeowners insurance rates for your coverage needs.
Why home insurance is more expensive in 2024
From May 20, 2022 to May 20, 2023, 94% of policyholders faced a rate increase at renewal, compared to 90% of policyholders from the previous year. During this time, the average quoted renewal premium was 21% higher nationally compared to the average of what homeowners were previously paying — roughly 9% higher than the 12% increase we reported last year.
Altogether, home insurance premiums increased 35% nationally from 2021 to 2023, with homeowners in Florida (68%), New Mexico (47%), Colorado (46%), Idaho (46%), and Texas (46%) facing the biggest average increases during that span.
These states and many others with high premium increases the past few years dealt with a combination of more expensive natural disaster losses, high inflation, turbulent market conditions, and numerous other factors that caused home insurance to be both less affordable and accessible for homeowners.
Check out our full 2023 Home Insurance Pricing Report and find out what you can do to lower your rates.
Tips for finding the best homeowners insurance if your policy is dropped
It’s not the end of the road if your home insurance company dropped you — you’ve still got options. From getting your home insurance reinstated by fortifying your home against extreme weather to purchasing coverage with a surplus lines carrier, here are tips for finding homeowners insurance after nonrenewal.
Contact your insurer and see if you can get it reinstated. If your policy is canceled or nonrenewed, ask your insurer if there’s any way to get your coverage back. This might include making updates to your home that make you less likely to file a claim, paying past-due premiums, or dropping coverage for liability risks like your dog, trampoline, or pool.
Get quotes through an insurance marketplace. Using an insurance marketplace like Policygenius allows you to compare quotes from several insurance companies in just minutes. Many of our partners include specialty insurers that are willing to cover homes that are higher risk to insure due to their age, location, or condition.
Consider surplus lines insurance rather than your state’s FAIR Plan. If you’re still unable to find coverage from a traditional or even specialty insurer, we recommend looking into surplus lines insurance before your state’s FAIR Plan. This is because FAIR Plans typically only offer bare-bones coverage at higher costs. Alternatively, surplus lines carriers are able to cover more risk and provide higher coverage limits since they aren’t required to be licensed in your state.
How do I get the best quote on my homeowners insurance?
To get the best quote on your homeowners insurance, experts recommend working with an insurance marketplace like Policygenius or an independent agent who sells policies from multiple different companies.
You'll simply answer a few brief questions about your property, and a licensed insurance agent will provide you with personalized policy options from several different home insurance companies willing to work with you. You can then compare quotes and choose the insurance policy that best fits your needs and budget.
Policygenius prides itself on providing transparent, unbiased reviews of home insurance companies. Though we make money when you purchase a policy through our site, this does not affect our editorial independence and rigorous editorial standards.
