The best in home insurance

For the third year in a row, USAA is a joint winner of the Bankrate Award for Best Home Insurance Company Overall due to its low average premiums and outstanding customer service. While USAA is only available to military members and qualifying family members (making it ineligible for J.D. Power ranking), it consistently earns top J.D. Power customer satisfaction scores by a wide margin, indicating policyholders have a positive customer experience. USAA’s national availability makes it an option for eligible homeowners nationwide, and its unique military-focused coverage options and additional banking and survivor relations services help members in various aspects of life.

For the second year in a row, Allstate earns a Bankrate Award for Best Home Insurance Company Overall, largely due to its unique selection of coverage options, which sets it apart from the competition and allows policyholders to build tailored coverage. Allstate's mobile and online services are simple to navigate for policyholders who prefer to manage their policies online, and the company also offers local agents for policyholders who prefer to handle their accounts in person. Customers nationwide (with the exception of California) have access to home coverage and, for additional peace of mind, can reach out to Allstate's customer service 24/7.

Whether requesting a quote, making a policy change or filing a claim, policyholders can complete every step through Lemonade's mobile app. Unique in its approach, Lemonade utilizes AI technology to approve qualifying claims in as little as two seconds and issue payments directly into a policyholder's bank account within 1–2 days. Consumers who want to use their buying power to promote greater positive change should know that Lemonade is a Certified B Corporation and donates unclaimed funds to a nonprofit of the policyholder’s choice once a year through its Lemonade Giveback program.

Policyholders with high-value homes might need specialized coverage to meet their unique needs, which is what Chubb does best. It includes additional benefits that most providers charge for, such as extended replacement cost coverage. Chubb understands the value of risk mitigation and offers risk consulting services to ensure you have the right level of coverage along with security and fire prevention advice. Chubb’s network of agents, both stateside and abroad, can be helpful for globetrotting homeowners or those with international vacation homes.

With a low average premium for standard policies and a wide cast of potential discounts, Nationwide’s local agents can help tailor affordable coverage with endorsements that enhance your protection, such as Better Roof Replacement, which pays for higher-quality roofing material upgrades when replacing your roof from a covered claim. Cheap rates are great, but not the only factor to consider when looking for home insurance. Nationwide received fewer customer complaints for its home insurance product than companies of the same size, as reported by the NAIC, and ranks in the top three in the 2023 J.D. Power U.S. Property Claims Satisfaction Study.

Policyholders who prefer to keep their home and auto insurance together need an insurer that excels in reliability for various lines, which Allstate does. Along with its Bankrate Scores for home and auto, Allstate offers one of the highest bundling discounts available, extending policyholders up to 25 percent in savings when they bundle these product lines. Low customer complaints, high customer satisfaction scores and ample coverage options make Allstate a strong consideration for bundle-seekers.