Kiplinger Readers’ Choice Awards 2025: Top Homeowners Insurance Companies
The Kiplinger Readers’ Choice Awards 2025 has recognized the best homeowners insurance companies based on ratings from the Kiplinger community. The awards aim to celebrate products and services that have delivered excellent value in the personal finance arena.
How the Awards Work
Readers rated their homeowners insurance providers based on three key criteria: competitive rates, claims experience, and likelihood of recommendation. The survey results provide valuable insights into which insurance providers excel in these areas.
Top Homeowners Insurance Companies
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USAA: Overall Winner
- Outstanding for: Competitive rates, claims experience, and most recommended
- USAA topped the rankings due to its affordable premiums and excellent customer service during the claims process.
- “Been with USAA for over 50 years, and their response to claims is superb and unmatched,” says one reader.
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Erie Insurance
- Outstanding for: Competitive rates, claims experience, and most recommended
- Readers appreciate Erie’s customer service and pricing, especially when bundling multiple policies.
- A typical discount of 20% is available for bundling homeowners and auto insurance policies.
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Amica
- Outstanding for: Claims experience and most recommended
- Although Amica didn’t score highest for rates, it offers various discounts, such as for recently remodeled homes or installing safety features.
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AAA
- Outstanding for: Competitive rates
- AAA’s offerings vary by state, but many respondents praised its competitive rates, especially in areas prone to natural disasters.
Other Kiplinger Readers’ Choice Awards Categories
- Readers’ Choice Full-Service Brokers
- Readers’ Choice Wealth Management
- Readers’ Choice Cash Back Credit Cards
- Readers’ Choice Travel Rewards Credit Cards
- Readers’ Choice Airline Credit Card Rewards Programs
- Readers’ Choice Hotel Credit Card Rewards Programs
- Readers’ Choice National Banks
- Readers’ Choice Internet Banks
- Readers’ Choice Auto Insurance Companies
- Readers’ Choice Annuity Providers
- Readers’ Choice Tax Software
- Readers’ Choice Peer-to-Peer Payment Services
