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Westfield is the best home insurance company of 2024, according to our analysis. This 5-star insurer offers low rates for standard homeowners insurance and has a very low level of customer complaints to state insurance departments.

The best home insurance companies of 2024

  • Westfield: Best home insurance.
  • Erie: Best for property claims customer satisfaction.
  • Auto-Owners: Best home insurance for discounts.
  • Nationwide: Best for high-value houses.
  • Progressive: Best home insurance for cheap rates.
  • State Farm: Best for home and auto bundling.
  • ӣƵA: Best home insurance for veterans and military.
  • Allstate: Best home insurance for home-sharing.
  • American Family: Great for enhanced dwelling coverage.
  • Chubb: Best for high deductible savings.

Why trust our home insurance experts

Our team of home insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach home insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage upgrades and consumer complaints.

Using a data-driven methodology, we evaluate hundreds of home insurance products, analyze thousands of data points and rate each insurer to help you find the best home insurance product for your situation. Advertisers never influence our editorial content. You can read more about our methodology below.

  • 31,600 rates analyzed.
  • 14 companies evaluated.
  • 5 levels of fact-checking.

Best home insurance rates 2024

Top-rated home insurance companies of 2024

Why it’s the best

Westfield is the best homeowners insurance company because it has a low average annual home insurance rate of $1,344 for a home insurance policy with $350,000 in dwelling coverage. This is more than $300 below the national average of $1,678 per year for a home insurance policy with the same dwelling coverage limit. 

Westfield also has the lowest level of consumer complaints out of all of our top-scoring companies, implying that customers are satisfied with its claims process. Westfield also offers robust coverage options and upgrades to increase coverage for the structure of your house and rare offerings with its Wespak package, like golf cart coverage. 

Why it’s the best

Erie is the best for property claims satisfaction because it earned the highest score in J.D. Power’s 2023 U.S. Property Claims Satisfaction Study, 912 out of 1,000 points. This implies that policyholders who filed a property damage claim with Erie were very satisfied with how the claims process went. Erie also has a very low level of consumer complaints to state insurance departments.

Why it’s the best

Auto-Owners is great for discounts and offers a slew of ways to help you save on your home insurance, like advanced quotes and pay-in-full discounts. Auto-Owners’ average home insurance rates are competitive for a home insurance policy with $350,000 in dwelling coverage. If you need a higher coverage amount, however, you’ll see higher-than-average rates. 

Depending on where you live, Auto-Owners may sell through a subsidiary or affiliate company. For example, in Florida, property insurance is available through Southern-Owners Insurance Company.

Read our review: Auto-Owners home insurance

Why it’s the best

Nationwide is the best for high-value houses because it offers homeowners insurance coverage for houses with a high rebuild value at below-average rates. A high-value house is typically one that’s valued above $750,000. If your house is damaged by a covered issue and you have high-value home insurance through Nationwide Private Client, you can choose between replacement cost coverage or a cash-out option should you decide not to rebuild. 

Read our review: Nationwide home insurance

Why it’s the best

Progressive offers some of the cheapest home insurance rates in our analysis, costing an average of $729 per year for a home insurance policy with $350,000 in dwelling coverage. However, Progressive does not offer extended or guaranteed replacement cost coverage. 

With Progressive, home insurance policies are sold by Progressive partners and subsidiaries. Where you live and how you buy your policy — directly from Progressive or through an independent agent or broker — determines which insurers in the Progressive network are available to you.

Read our review: Progressive home insurance

Why it’s the best

State Farm is the best home insurance company for bundling because it offers the highest discount — 23% — for bundling home and auto insurance. State Farm allows you to bundle your home, condo or renters insurance with auto insurance. You can also take advantage of additional discounts when you insure multiple vehicles alongside your homeowners insurance. Bundling might be appealing if you want to have all of your coverage in one place to save time and money. 

Read our review: State Farm home insurance

Why it’s the best

ӣƵA is the best home insurance company for the military because the insurer is specifically tailored to the military community. You can get unique perks, including coverage for military equipment and deductible waivers if personal property is lost or damaged due to war. ӣƵA will also cover the cost of replacing or repairing your uniform with no deductible while you’re on active duty. The home insurance company’s focus on the unique needs of those who serve makes it the best homeowners insurance for military members and their families. 

Read our review: ӣƵA home insurance