Your home is probably your biggest asset — the insurer behind it matters as much as the price. We ranked these companies on coverage quality, pricing power and discounts, financial strength and claims, and digital experience — then you can filter, sort, and compare them side by side before you get a quote.
We don't show premium quotes as current prices — home insurance rates vary by state, home value, construction, and risk factors, and change constantly. AM Best ratings shown as of October 2026; confirm current terms and financial ratings on each insurer's site before buying.
| Rank ↕ | Insurer ↕ | Rating ↕ | AM Best rating | Standout feature | Key discounts | Get a quote |
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Every insurer gets a score from 0 to 5. Our analysts weigh what matters most to real homeowners:
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Many or all of the products featured here are from our partners who compensate us. That may influence which products we write about and where and how they appear on a page.
It does not influence our evaluations. Our ratings are set by our editorial team using the published methodology above. Partners cannot pay for favorable reviews, higher ratings, or better placement.
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