The best home insurance companies at a glance
We evaluated dozens of homeowners insurance companies to find the best ones. These are the six companies that received a perfect 5-star score based on their coverage options, discounts, online experience, financial strength and consumer complaints.
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Best home insurance category |
Company winner |
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Amica |
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Andover Companies |
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Chubb |
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Country Financial |
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NJM |
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USAA |
Your home is one of your largest and most meaningful investments, so choosing the best homeowners insurance available to you makes sense. To narrow down our list of the best home insurance companies, we looked at customer complaint data, consumer experience and financial strength. We also assessed each insurer’s coverage options and discounts.
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The best home insurance companies of July 2024
Below are the companies that earned a perfect 5-star rating under NerdWallet’s scoring system. Learn more about our top home insurance companies by reading the brief summaries below and checking out our comprehensive reviews.
Amica: Best homeowners insurance for customer satisfaction
Amica
Coverage options
Discounts
NAIC complaints
High customer satisfaction ratings and low consumer complaints.
Platinum Choice package offers extra coverage.
Simple online claims filing and tracking.
You can start a quote online but have to finish the buying process by phone.
Not available in Alaska or Hawaii.
Why it’s the best
Amica home insurance shines when it comes to customer service. The company draws far fewer complaints than expected for an insurer of its size, according to the National Association of Insurance Commissioners. And it’s perennially near the top of J.D. Power’s annual customer satisfaction studies.
It’s no slouch when it comes to coverage, either. You can upgrade to Amica’s Platinum Choice package for perks like extended dwelling coverage, higher liability limits and coverage for damage due to backed-up drains or overflowing sump pumps.
Another way Amica makes policyholders’ lives easier: Its Contractor Connection program can pair you with licensed and insured contractors after a claim.
States served
Washington, D.C., and every state except Alaska and Hawaii.
Choose Amica if …
You’re looking for a company that values customer service and offers upgraded coverage.
» Read the full review: Amica home insurance
Andover Companies: Best homeowners insurance for coverage
Andover Companies
Coverage options
Discounts
NAIC complaints
Far fewer consumer complaints than expected.
Includes more generous dwelling and personal property coverage than most insurers.
Many additional coverage options to choose from.
No online quotes.
Not available in most states.
Why it’s the best
Andover Companies stands out for its generous coverage. Most homeowners are eligible for automatic guaranteed replacement coverage on the structure of their home. That means the company will pay what it takes to rebuild the house if it’s destroyed by a covered disaster, even if your coverage limit isn’t high enough. Many insurers don’t offer this type of coverage at all, and few include it with a standard policy.
Andover also offers replacement cost coverage on your personal belongings, which ensures you’ll get more for stolen or destroyed items than you would if you had actual cash value coverage.
Andover’s coverage comes with strong customer service, too. It draws far fewer consumer complaints than expected for a company of its size, according to the NAIC.
States served
Connecticut, Illinois, Maine, Massachusetts, New Hampshire, New Jersey, New York and Rhode Island.
Choose Andover Companies if …
You live within its service area and value the peace of mind that comes with having plenty of coverage.
» Read the full review: Andover Companies home insurance
Chubb: Best homeowners insurance for high-value homes
Chubb
Coverage options
Discounts
NAIC complaints
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.