Home Insurance 7 Best Homeowners insurance companies in the U.S.A.

7 Best Homeowners insurance companies in the U.S.A.


If you need help choosing from the variety of homeowners insurance companies in the U.S.A., then this article is for you. Homeowners insurance companies are financial institutions responsible for providing protection and coverage for your house. 

More so, these companies contain risks and offer financial security. Finding the right company from all the available options is a profitable task worth your time. To narrow down your search, you can refer to our list of insurance companies with the best ratings.

What is the ranking system for homeowners insurance companies in the U.S.A.?

A company’s rating is an easy way to access the standard of service insurers offer. For instance, most people who make online purchases try to read reviews from past customers before buying a product. In the same way, the attitude of customers towards an insurance company depends on their rating.

So what determines a company’s rank? The major yardstick used to determine rank is the level of customer satisfaction. In other words, a company with a high rating offers services that satisfy a good number of people. An insurance company with a high rating must have excellent customer service that covers these areas;

  • Websites
  • Price of premiums
  • Coverage plans
  • Insurance agents
  • Payment system
  • Customer representatives

List of homeowners insurance companies in the U.S.A

These are some of the top-rated homeowners insurance companies in the U.S.A.;

Amica Mutual Insurance

Amica offers HO3 and HO5 as their major insurance policies. With either of these plans, there are special ways to customize policies to suit customers’ tastes. They offer extended coverage to cover losses above your replacement cost.

In addition, Amica has a wide range of coverage plans and endorsements for you to choose from. The company partners with contractor connections to provide customers with expert contractors with a five-year home repairs warranty.

You can take advantage of their bundling discounts and exceptional customer services when you make them your choice. 

Coverage options

Standard choice HO3

  • Home coverage
  • Temporary living expenses 
  • Personal belongings
  • At-fault damage coverage

Platinum Choice HO5

  • Standard choice coverage plus;
  • The additional limit for personal liability
  • Replacement coverage
  • Sump pump overflow and water backup
  • Credit card or jewelry theft, medical payment.

Phone: 800-242-6422

American Financial

American Financial Insurance makes the list of top-rated homeowners insurance companies in the U.S.A. They offer trusted and affordable solutions suitable for all homeowners.

Each policyholder is sure to receive attention to their needs on a personal level. Finally, the agents you’ll find at the company are committed to protecting your home and possessions no matter the plan you sign up for.

Coverage options:

  • Property insurance
  • In-home business
  • Renters 
  • Homeowners Liability
  • Mobile home
  • Condo 
  • Landlords insurance
  • Scheduled property

Phone: (760) 568-9090

Erie Insurance

Through their coverage, Erie Insurance strives to provide quality services with a human touch. They are ready to help you make the right choice through a 24/7 support center. Erie has licensed professionals to guide you through the decision process.

In addition, Erie clients have multiple discount options including multi-policy, sprinkler system, and bundling discounts.

Coverage options

  • Coverage for valuables
  • Reimbursement coverage
  • Replacement cost
  • Personal property

Phone: 1-800-458-0811


Nationwide partners with Royal & Sun Alliance to provide the best homeowners insurance policies. They have a five-star rating and four customer intelligence awards to back their solid reputation.

It’s no surprise that over 650,000 citizens prefer their services over other homeowners insurance companies in the U.S.A. Nationwide clients have the choice to build their policy to fit their lifestyle. Instead of buying separate policies, they can save by bundling plans. 

Coverage options

  • Content insurance
  • Building coverage
  • Renters coverage

Phone: 1-877-669-6877


Travelers is an insurance company that works to provide plans to match your preferences and budget. They have plans to assist your savings including multi-policy and loss-free discounts.

Also, they offer an early quote discount and lower premiums to owners of homes with protective devices and smart technology.

Coverage options

  • Liability coverage
  • Personal property coverage
  • Dwelling coverage

Phone: 1-866-336-2077

Liberty Mutual 

At Liberty Mutual, customers can tailor their plans to fit their homes. This company is known for quality insurance which comes at an affordable rate.

With the use of mobile apps, you can efficiently manage your policy, file or track claims, and get an ID card. Liberty offers customizable insurance which means the cost of plans differs based on coverage choice, location, and home conditions.

More so, you can get their quotes online in a process that’s easy and fast. Customers have discount opportunities when they buy plans online, combine plans, and purchase new homes.

Coverage options

  • Personal property coverage
  • Liability coverage
  • Dwelling insurance
  • Natural disaster insurance

Phone: 1-800-290-8206

State Farm

Founded in 1922, State Farm consists of mutual insurance companies in the United States. They are at the top list as the largest insurance providers in the country.

State Farm is not only experienced, they are reliable. This means you can trust them to supply you with the best plans to secure your property. Clients can also purchase extra coverage together with the standard options.

Coverage options

  • Liability insurance
  • Replacement coverage
  • Condo insurance
  • Flood coverage
  • Personal property coverage
  • Dwelling coverage
  • Pet medical insurance

Phone: 800-732-5246


To conclude, this article highlights seven homeowners insurance companies in the U.S.A. There’s a lot to gain from these providers as they have the financial strength to offer liability protection for your homes.


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