Best Homeowners Insurance Companies for March 2025
Finding the right homeowners insurance can be a complex process. To simplify your search, NerdWallet has analyzed dozens of insurance carriers, evaluating their coverage options, discounts, online experience, financial strength, and consumer complaint data. Here are the top-rated companies for March 2025:
- Amica: Best for consumer satisfaction
- Auto-Owners: Best for using an agent
- Chubb: Best for high-value homes
- Country Financial: Best for discounts
- Erie: Best for coverage
- NJM: Best regional insurer
- USAA: Best for military members and veterans
NerdWallet’s Rating Methodology
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Individual Company Reviews
Amica: Best Homeowners Insurance for Customer Satisfaction
- NerdWallet Rating: 5.0
- Overview: Amica is a well-established insurer known for excellent customer service.
- Pros:
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- Cons:
- You can start a quote online but must finish the buying process by phone.
- Not available in Alaska or Hawaii.
Amica consistently receives high marks for customer service. The National Association of Insurance Commissioners (NAIC) reports that Amica receives far fewer complaints than expected for an insurer of its size, and it is frequently ranked at the top of J.D. Power’s annual customer satisfaction studies.
Amica offers a range of coverage options. Its Platinum Choice package includes perks like extended dwelling coverage, higher liability limits, and coverage for damage from backed-up drains or overflowing sump pumps. The company’s Contractor Connection program helps policyholders find licensed and insured contractors after a claim.
Choose Amica home insurance if… You’re looking for a company that values customer service and offers upgraded coverage.
Auto-Owners: Best Homeowners Insurance for Using an Agent
- NerdWallet Rating: 5.0
- Overview: Auto-Owners provides many ways to customize your policy and save money on home insurance.
- Pros:
- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- Cons:
- No online quotes or claims submission.
- Available in only half of U.S. states.
With Auto-Owners, you will need to contact an agent to get a quote, purchase a policy, or file a claim, which can be a benefit if you value a personal relationship with an insurance agent.
Auto-Owners’ home insurance offers a wide array of coverage options. You can secure extended replacement cost coverage for your home’s structure, and you can acquire inland flood coverage, helpful for homeowners in low-risk areas who want to avoid a federal flood insurance policy. The NAIC reports that Auto-Owners gets fewer complaints than expected for a company of its size.
Choose Auto-Owners home insurance if… You live within the company’s service area and want to work with an independent agent to choose your coverage.
Chubb: Best Homeowners Insurance for High-Value Homes
- NerdWallet Rating: 5.0
- Overview: Chubb provides perks and high coverage limits for affluent homeowners.
- Pros:
- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Cons:
- Most consumers can’t get a quote online and must contact a local agent.
Chubb caters to owners of expensive homes, customizing its services for affluent clients. You can choose a personal liability limit of up to $100 million, which is higher than the maximum allowed by other insurers. Chubb also has perks like the HomeScan service, which helps you identify home problems that require immediate attention before they cause serious damage.
Chubb policies include extended replacement cost coverage for your dwelling and replacement value for your belongings. This means that Chubb will pay more than your dwelling limit if your home costs more than expected to rebuild after a covered disaster. It also means that you will receive sufficient payment to purchase new replacements for your damaged belongings.
Choose Chubb home insurance if… You have a high-value home and want insurance with extensive and specialized coverage.
Country Financial: Best Homeowners Insurance for Discounts
- NerdWallet Rating: 5.0
- Overview: Best for those looking for many ways to save on home insurance.
- Pros:
- Far fewer complaints than expected for a company of its size.
- Many discounts and coverage options available.
- Cons:
- Can get an online quote, but must finish the purchase over the phone.
- Not available in all states.
Country Financial provides policyholders with a wide range of discounts, including discounts for bundling multiple policies, newer homes, and for paying your premiums on time for at least three years.
Depending on your policy, Country Financial could cover household mishaps like countertop burns or spilled paint, or you can opt for guaranteed replacement cost coverage.
According to the NAIC, Country Financial receives fewer complaints than expected for a company of its size.
Choose Country Financial home insurance if… You’re looking for maximum savings coupled with strong coverage.
Erie: Best Homeowners Insurance for Coverage
- NerdWallet Rating: 5.0
- Overview: Standard policies may include coverage that other home insurance companies charge extra for.
- Pros:
- Policies may include guaranteed replacement cost coverage.
- Receives far fewer complaints than expected for a company of its size.
- Cons:
- Not available in most states.
- No online quotes.
Erie, in many locations that it covers, includes guaranteed replacement cost coverage in its standard policies. This means the company will pay as much as necessary to rebuild your home if it is destroyed, even if that amount is higher than your dwelling coverage limit. Erie also offers replacement cost coverage on your personal belongings to ensure you’ll get more for stolen or destroyed items than if you had actual cash value coverage.
Choose Erie home insurance if… You live in Erie’s service area, want comprehensive coverage, and don’t mind working with an agent to buy a policy or file claims.
NJM: Best Regional Home Insurance Company
- NerdWallet Rating: 5.0
- Overview: Offers strong coverage in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.
- Pros:
- Includes coverage other companies charge extra for.
- Far fewer consumer complaints than expected for a company of its size.
- Many extra coverage options available.
- Cons:
- No app to manage your policy.
- Available in only five states.
NJM’s homeowners’ policies are available in only five states, but they’re a great option if you live in one of them because NJM includes several types of coverage that often cost extra from other insurers. NJM’s guaranteed replacement cost coverage will pay to rebuild your home if it’s destroyed even if the damage exceeds your dwelling limit. NJM also includes water backup coverage with its policies, which can pay for damage from backed-up sewers or drains.
Choose NJM home insurance if… You live in its service area and want a homeowners policy with some of the most comprehensive coverage available.
USAA: Best Home Insurance for Military Members and Veterans
- NerdWallet Rating: 5.0
- Overview: Offers perks for the military community.
- Pros:
- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Rates are below the national average, according to NerdWallet’s analysis.
- Cons:
- Available only to active military members, veterans, and their families.
USAA is available only to active military members, veterans, and their families, and tailors its policies to meet their needs. For example, USAA covers military uniforms without a deductible. It also provides identity theft coverage in most states. Both offerings tend to cost extra from other insurers.
Choose USAA home insurance if… You’re a veteran or active member of the military, and you value good coverage and service.
How to Find the Best Home Insurance for You
Finding the best homeowners insurance begins with making sure you’re getting the right coverage. Consider these steps:
- Decide how much coverage you need: A standard policy covers your house and other structures, but the amount of coverage you need depends on how much it would cost to rebuild your home.
- Compare home insurance quotes: After you outline your coverage needs, you can start shopping for homeowners insurance. Compare home insurance quotes from at least three companies to ensure you’re getting the least expensive policy.
- Research home insurance discounts: Most companies provide savings for things like having multiple policies with the same insurer, installing safety, security, or smart-home devices, and avoiding claims for consecutive years.
- Check customer satisfaction and complaints: You can look at studies on homeowners insurance and property claims satisfaction from J.D. Power, which surveys thousands of homeowners annually. You can also examine the NAIC website.
- Consider financial strength: You’ll want to buy homeowners insurance from a stable company with enough money to pay claims. You can check financial strength through a rating firm such as AM Best.
By taking these steps, you can make an informed decision and find the homeowners insurance policy that best suits your needs.
