Top rated property insurance

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AI-generated summary · updated July 27, 2026 · verify details before purchase.

1 Best overall
State Farm Homeowners Insurance

4.5/5 $800-$1,500/year

Largest market share with excellent customer service and comprehensive coverage options.
- Wide range of discounts
- Excellent mobile app
- 24/7 claims service
- Higher rates for some areas
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2 Best customer satisfaction
Amica Mutual Homeowners Insurance

4.6/5 $900-$1,600/year

Top-rated for customer satisfaction and offers dividends to policyholders.
- Dividend payments
- Excellent claims handling
- Multiple discount options
- Limited availability
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3 Best for military families
USAA Homeowners Insurance

4.7/5 $700-$1,300/year

Exclusive to military members and their families with competitive rates and high customer satisfaction.
- Low rates for eligible members
- Superior customer service
- Comprehensive coverage
- Only for military-affiliated
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4 Best for tech-savvy users
Lemonade Homeowners Insurance

4.3/5 $25-$50/month

Quick and easy online process with AI-driven claims and affordable premiums.
- Fast claims via app
- Simple sign-up
- Low cost
- Limited add-ons
- Not available in all states
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5 Best for bundling
Nationwide Homeowners Insurance

4.4/5 $850-$1,400/year

Offers strong bundling discounts with auto and other policies, plus unique coverage options.
- Brand new roof replacement
- Vanishing deductible
- Good bundling options
- Mixed claims reviews
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6 Best for discounts
Allstate Homeowners Insurance

4.2/5 $900-$1,500/year

Many discount opportunities including safe home and claims-free discounts.
- Multiple discount programs
- Claim satisfaction guarantee
- Good coverage options
- Higher premiums
- Some coverage limits
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7 Best for high-value homes
Chubb Homeowners Insurance

4.4/5 $1,200-$2,500/year

Tailored coverage for high-value properties with replacement cost and high limits.
- High coverage limits
- Superior claims service
- Global coverage options
- Expensive
- Not for modest homes
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Buying advice

When choosing property insurance, compare quotes from multiple providers, consider coverage limits and deductibles, check for discounts (bundling, home safety features), and read customer reviews on claims handling. Also ensure the insurer is financially stable and licensed in your state.

Product Category Search

Top rated property insurance

State Farm Homeowners Insurance

Amica Mutual Homeowners Insurance

USAA Homeowners Insurance

Lemonade Homeowners Insurance

Nationwide Homeowners Insurance

Allstate Homeowners Insurance

Chubb Homeowners Insurance

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