We reviewed dozens of providers to find the best home insurance companies based on coverage, customer satisfaction, and financial stability. Below are our top picks.
Chubb
Pros
- Fewer consumer complaints than average
- Standard policies include extras other insurers charge for
- Perks like HomeScan to detect risks early
Cons
- Quotes usually require contacting a local agent
Why It Stands Out
Chubb is ideal for high-value homes and wealthy clients. It offers liability limits up to $100 million, extended replacement cost for your dwelling, and replacement cost coverage for belongings — features not always included elsewhere.
Availability: All states + Washington, D.C.
NJM
Pros
- Covers extras like water backup without extra charge
- Very low consumer complaint rate
- Plenty of optional add-ons
Cons
- No mobile app
- Available in only five states
Why It Stands Out
NJM offers generous standard policies, including guaranteed replacement cost coverage — ensuring your home is fully rebuilt, even if costs exceed your coverage limit.
Availability: Connecticut, Maryland, New Jersey, Ohio, Pennsylvania
Andover Companies
Pros
- Excellent reputation with few complaints
- Generous dwelling + personal property protection
- Wide range of add-on options
Cons
- Limited to eight states
- Minimal online tools
Why It Stands Out
Andover provides broad coverage, including guaranteed replacement cost and ordinance or law coverage to bring repairs up to modern building codes. You can also add extras like service line protection.
Availability: CT, IL, ME, MA, NH, NJ, NY, RI
Amica
Pros
- Top-rated for customer service
- Dividend policies return part of your premium
- Platinum Choice upgrade with extra protection
Cons
- Quotes may require a phone call
- Not available in Alaska or Hawaii
Why It Stands Out
Amica consistently earns high marks for satisfaction and low complaint levels. Its Platinum Choice package adds valuable coverage, and dividend policies may return 5%–20% of premiums.
Availability: All states except Alaska + Hawaii
Cincinnati Insurance
Pros
- Green upgrade endorsement available
- Covers higher-value homes
- Fewer complaints than average
Cons
- Limited online tools and quotes
- Available in about half of U.S. states
Why It Stands Out
Cincinnati Insurance focuses on sustainability. Its “green upgrade” endorsement lets you rebuild with eco-friendly materials. Coverage is flexible, with options for high-value properties.
Availability: Most states, except AK, LA, MS, OK, SD
State Farm
Pros
- Largest U.S. home insurer
- Easy online tools + mobile app
- Local agents for personal service
Cons
- Below-average claims satisfaction in some surveys
- Not available in CA, MA, RI
Why It Stands Out
State Farm combines strong coverage with nationwide availability. Standard policies include extended dwelling coverage, and customers can choose from many add-ons.
Availability: All states except CA, MA, RI
Bottom Line
The best home insurance company depends on your needs. Chubb is ideal for high-value homes, while NJM and Andover offer strong regional and comprehensive coverage. Amica shines for customer satisfaction, Cincinnati Insurance supports eco-friendly rebuilding, and State Farm provides reliable nationwide options. Comparing quotes and coverage will help you find the right policy at the right price.
Ultimately, the best home insurance provider for you will depend on your budget, the value of your home, and the type of protection you want. Comparing quotes and coverage from multiple insurers ensures you’ll find a policy that delivers the right balance of affordability and security.