Best home insurance of 2026.
With home insurance rates up 30 percent in many states since 2022, shopping carriers matters more than ever. Here are the 8 carriers worth comparing in 2026, ranked by premium, financial strength, and customer satisfaction.
The 8 home carriers we recommend right now.
Premium ranges shown for a $300K single-family home with $250K dwelling, $1,000 deductible. Click any carrier for the full review.
State Farm
Home InsuranceTop pickAgent-based service, top JD Power scores
- +Largest homeowners insurer in the US with agents in nearly every zip code
- +Consistently top-ranked JD Power customer satisfaction
- +Extended replacement cost endorsement available
USAA
Home InsuranceMilitary families, top-rated coverage and service
- +Highest JD Power customer satisfaction score in the industry
- +Military uniform covered at no extra cost during deployment
- +Identity theft protection included at no charge
Allstate
Home InsuranceDigital experience, strong bundling discounts
- +Claim RateGuard prevents rate increase after first claim
- +Digital Locker app to catalogue home inventory
- +Green improvement reimbursement for eco-friendly repairs
Nationwide
Home InsuranceBrand New Belongings replacement cost coverage
- +Brand New Belongings pays to replace items at today's prices, not depreciated value
- +Better Roof Replacement upgrades your roof materials when you file a claim
- +Vanishing deductible rewards claims-free years
Liberty Mutual
Home InsuranceDiscount stacking, inflation protection
- +Inflation protection automatically adjusts dwelling coverage
- +Numerous discounts including claims-free, new home, and paperless
- +Blanket jewelry and valuables coverage option
Progressive
Home InsuranceAuto and home bundling, competitive online quotes
- +Seamless auto and home bundling through one policy dashboard
- +Name Your Price tool shows coverage options within your budget
- +Strong digital experience with instant online quotes
Farmers Insurance
Home InsuranceComprehensive coverage tiers, agent-based guidance
- +Three coverage tiers (Standard, Enhanced, Premier) for flexible protection
- +Claim-free discount for no claims in past three years
- +Declining deductible reduces your deductible $50 each claim-free year
Lemonade
Home InsuranceDigital-first renters and first-time homeowners
- +AI-powered claims: most claims paid in minutes via the app
- +Giveback program donates unused premiums to a charity you choose
- +Lowest average premiums among major carriers
How we ranked home carriers.
Premium, financial strength, satisfaction, and digital experience, weighted into one score.
Average premium (40 percent)
Premium estimates for a $300K single-family home, $250K dwelling coverage, $100K personal liability, and a $1,000 deductible. We use national averages, since home insurance varies sharply by state and risk zone.
AM Best rating (25 percent)
Home insurance claims often come during widespread events: hurricanes, wildfires, hail. A carrier with weak financials is risky in those moments. We give heavy weight to AM Best ratings of A or higher.
JD Power satisfaction (20 percent)
JD Power surveys home insurance customers on price, coverage, billing, and claims experience. USAA and State Farm consistently lead the rankings. Newer digital-first carriers without 5-year history get rated on AM Best plus user reviews.
Digital experience (15 percent)
Online quote speed, app quality, claim filing through the app, and policy management. Lemonade leads here with AI-powered claims paid in minutes, but traditional carriers like Allstate and USAA also score well.
The 6 parts of a standard home policy.
Dwelling (Coverage A)
Pays to rebuild your house if it is damaged or destroyed by a covered peril. Set this to replacement cost, not market value.
Other structures (Coverage B)
Covers detached garages, sheds, fences. Usually 10 percent of dwelling coverage automatically.
Personal property (Coverage C)
Covers your stuff: furniture, electronics, clothing. Typically 50 to 70 percent of dwelling coverage. Worth choosing replacement cost over actual cash value.
Loss of use (Coverage D)
Pays for hotel, food, and other extra costs if you cannot live in the home during repairs. Typically 20 to 30 percent of dwelling coverage.
Liability (Coverage E)
Pays if someone is injured on your property or you damage someone else's property. Carry at least $300K. Most carriers offer $500K to $1M cheaply.
Medical payments (Coverage F)
Pays small medical bills for guests injured on your property, regardless of fault. Usually $1K to $5K limit. Helps avoid lawsuits over minor injuries.
Common questions.
How much home insurance do I need?
Cover the replacement cost of your home, not the market value. Replacement cost is what it would take to rebuild from scratch, including labor and materials. In high-cost markets this can be much less than market value. Most policies also cover 50 to 70 percent of dwelling value for personal property.
Does home insurance cover floods?
No. Standard home insurance excludes flood damage. You need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood insurer. About 25 percent of flood claims happen outside high-risk zones, so flood insurance is worth considering even if your mortgage does not require it.
What is the difference between actual cash value and replacement cost?
Actual cash value pays you what your items are worth today, after depreciation. Replacement cost pays you what it would cost to buy a new version. The difference can be huge: a 5-year-old TV might have an actual cash value of $200 but a replacement cost of $800. Always pick replacement cost if you can.
Will my premium go up if I file a claim?
Usually yes. A single claim can raise your premium 10 to 30 percent at renewal, and the increase can stick for 3 to 5 years. Many insurers will not raise your rate for the first claim if you have claim forgiveness (Allstate, State Farm offer this). Weather-related claims like hail are less likely to raise rates than liability claims.
How much can I save by bundling home and auto?
Most carriers offer 10 to 25 percent off both policies when you bundle. The largest discounts come from Allstate (up to 25 percent), Liberty Mutual, and Nationwide (around 20 percent). Always compare the bundled price against two separate quotes to make sure bundling actually saves you money.
Is Lemonade a real insurance company?
Yes. Lemonade is a fully licensed insurer rated A by AM Best, available in 47 states for homeowners. The difference is the model: AI-powered claims (most paid in minutes via app), a flat fee structure, and unused premiums donated to charity. Best for digital-first renters and first-time homeowners with simple needs.
Bundle and save more.
Most carriers offer 10 to 25 percent off when you combine home and auto.