Best home insurance

Find out which is the best home insurance company in our in-depth home insurance comparison guide based on cost, customer reviews, & Net Promoter Scores.

aerial view of a residential neighborhood

The best home insurance companies offer policies to protect everything that makes your house a home without breaking your budget. You also want to work with a company that’s ready to help when you have a claim. This guide can help. We evaluated dozens of homeowners insurance companies on several key factors, including cost, customer reviews, and Net Promoter Scores (NPS), so you can find the best home insurance for your needs.

We’ve included ourselves in the analysis so you can see how our performance stacks up against some of the most well-known homeowners insurance companies in the country. You’ll also find some tips on how to compare home insurance companies so you can make informed choices and pick the best homeowners insurance to protect your home and your family.

Home insurance company ratings: Price comparison

Homeowners’ insurance costs vary drastically from state to state and even county to county. So while looking at average premiums to get an idea of what you’ll pay for coverage, it doesn’t show anything specific to your situation.

That said, below is an apples-to-apples cost comparison of the average annual premiums on a newly constructed home with $300,000 in dwelling coverage based on filings with the Florida Office of Insurance Regulation. This gives you a solid idea of who has the best rates in Florida - one of the most expensive places to buy home insurance.

Bar chart comparing average yearly premiums on a $300,000 newly built home for Kin and our top competitors.

What we found wasn’t surprising – at least, not to us. Kin came in with the lowest rates in Florida at $1,316 per year on average. That makes us 15 percent less expensive than the next cheapest option (First Protective at $1,523 per year) and 68 percent cheaper than the most expensive option (Bankers Insurance at $2,222 a year).

Best and worst homeowners insurance companies: Home insurance reviews

While price is important, it’s not the only factor to consider when choosing the best home insurance company. Customer reviews can tell you a lot about a home insurance company, such as:

  • How easy it is to get home insurance.
  • Whether online quotes are available.
  • How the company handles claims.
  • How helpful and knowledgeable their team is.
  • How they respond to complaints or issues.

You definitely want to read a handful of reviews to learn about the individual customer experience, but you can get an overall impression of customer satisfaction from review score averages.

For all the homeowner’s insurance companies below, we took a look at online review sites (including Trustpilot, Google Reviews, and Clearsurance) that allow users to rank their experience on a scale of one to five.

Bar chart comparing the average online customer review scores of Kin and several of its competitors.

As you can see, Kin customers think highly of their experience, but GeoVera’s customers are generally less satisfied with its service. Some companies like Bankers Insurance and Universal Property and Casualty Insurance have favorable ratings, but several of these home insurance companies fall far below even a mediocre customer experience. Many reviews for low-rated companies cited expensive premiums and a bad claims experience as the source of their dissatisfaction.

Best homeowners insurance companies: NPS score

A Net Promoter Score indicates whether a customer is likely to recommend a company to a friend or family member. As you can imagine, that’s pretty valuable to an insurance company. A high score means a customer was so impressed with their experience that they’d trust the company to protect people they care about.

The average NPS for the home insurance industry is 42 out of 100, a tragic score by any standard. That means folks are not impressed with their home insurance companies.

Our NPS is 85 – more than double the industry average. The next national insurance company to come close to that score is USAA at 77. See the chart below to find out how other national carriers stack up.

Chart listing Net Promoter Scores for home insurance companies, including the industry’s average score of 42. The Net Promoter Scores are: Kin, 85; USAA, 77; Country Financial, 58; Erie Insurance Group, 58; Amica, 54; AAA, 45; The Hartford, 44; GEICO, 41; State Farm, 40.

Best home insurance companies FAQs

How to choose the best home insurance?

Shopping for home insurance can be a daunting task. But keep in the mind the following:

  1. Your policy includes basics like replacement cost coverage for your dwelling as well as coverage for other structures, personal property, and liability to name a few.
  2. If you live in an area prone to natural disasters, look for an insurance company that offers hurricane insurance and flood insurance.
  3. You want an insurance provider that is financially strong because that indicates their ability to pay for your claims. Kin’s financial stability rating is A, Exceptional, from Demotech, a financial analysis firm.

What to look for in a home insurance provider

The best home insurance providers are those that don’t compel you to settle for less coverage and are financially strong enough to pay your claims. They can work within your budget, offer customized coverage, and have both good customer reviews and ratings.


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