Best Homeowners insurance in 2023

Best overall
Amica logo
Amica
  • pro
    Home security discount
  • pro
    Earthquake coverage
Best options
American Family
American Family
  • pro
    Home security discount
  • pro
    Riot coverage
Best for veterans
USAA
USAA
  • pro
    Home security discount
  • pro
    Home replacement coverage
Best for tornadoes
Progressive
Progressive
  • pro
    Home security discount
  • pro
    Tornado coverage
Best for floods
Farmers
Farmers
  • pro
    Home security discount
  • pro
    Flood coverage

SafeWise experts have years of firsthand experience testing the products we recommend. Learn how we test and review. We may earn money when you buy through our links.

When you’re looking for a homeowners insurance policy, there’s a lot to consider. We compared leading insurance companies to make your search easier.



Compare the best homeowners insurance

Brand
Best for
Security discount
Flood insurance*
Tornado insurance
Earthquake insurance
Learn more
Best overall
Icon Yes  LightYes
Icon No  LightNo
Icon No  LightNo
Icon Yes  LightYes
Best Options
Icon Yes  LightYes
Icon Yes  LightYes
Icon No  LightNo
Icon No  LightNo
Best for veterans
Icon No  LightVaries
Icon Yes  LightRenters only
Icon No  LightNo
Icon Yes  LightYes
Best for tornadoes
Icon Yes  LightYes
Icon Yes  LightYes
Icon Yes  LightYes
Icon No  LightNo
Best for floods
Icon Yes  LightYes
Icon Yes  LightYes
Icon No  LightNo
Icon Yes  LightYes

Info current as of post date. Offers and availability may vary by location and are subject to change.

*Companies that don’t offer their own flood insurance help customers obtain insurance through the National Flood Insurance Program (NFIP).

Best homeowners insurance reviews

1. Amica Mutual Insurance: Best overall

Best Overall
Amica logo

Offers and availability may vary by location and are subject to change. Read full disclaimer.

Amica Mutual Insurance has comprehensive coverage, and you could see savings long-term thanks to its mutual insurance company structure.

A mutual insurance company is owned by the policyholders. That means you may pay more upfront to “buy a share” of the company, but you can earn dividends in the long run—adding dollars to your wallet. 

pro
Pros
pro Mutual dividends
pro Earthquake coverage
pro Identity theft coverage
pro 24/7 customer service
pro Valuable personal items coverage
con
Cons
con Tornadoes aren't covered
con Vandalism isn't covered
con Medical expenses aren't covered

2. American Family Insurance: Best coverage options

Best Options
American Family

Offers and availability may vary by location and are subject to change. Read full disclaimer.

American Family Insurance includes a LOT in its basic coverage—plus it offers some rare types of coverage that other brands don't.

From comprehensive medical coverage if someone is hurt on your property to riot coverage if your home is damaged in the midst of some political unrest, American Family has you covered. 

pro
Pros
pro Medical expenses coverage
pro Identity theft coverage
pro Specialized coverage (like riot insurance)
pro 24/7 customer service
con
Cons
con Tornadoes and earthquakes aren't covered
con Valuable personal items aren't covered

3. USAA: Best for veterans

Best for Veterans
USAA

Offers and availability may vary by location and are subject to change. Read full disclaimer.

USAA covers the basics and then some. Best of all, its prices can't be beat if you're a veteran or active member of the armed forces. 

Customers of USAA can get earthquake coverage, but medical expenses aren't on the table. We like that home replacement cost is an option, which can help if your entire home is destroyed in a fire or natural disaster. 

pro
Pros
pro Military and veteran discounts
pro Home replacement coverage
pro Earthquake coverage
pro Identity theft coverage
con
Cons
con Unclear customer service hours
con Some coverage missing, like tornadoes, valuable items, and medical expenses

4. Progressive: Best for tornadoes

Best for Tornadoes
Progressive

Offers and availability may vary by location and are subject to change. Read full disclaimer.

Progressive stands out from the crowd as one of a handful of popular companies that offers tornado coverage. We also like that you can cover valuable personal items like jewelry, heirlooms, art, and high-end electronics.

One thing to watch out for is Progressive's tendency to change policies unexpectedly. But overall, we like their comparison pricing tool and easy access to tornado coverage. 

pro
Pros
pro Tornado coverage
pro Valuable personal items coverage
pro Comparison price tool
con
Cons
con Unauthorized policy changes
con Unclear customer service hours
con Vandalism, earthquakes, and medical expenses not covered

5. Brand Name: Best for floods

Best for Floods
Farmers

Offers and availability may vary by location and are subject to change. Read full disclaimer.

Farmers offers its own flood coverage—a rarity in the world of homeowners insurance—but its other weather-related coverage is pretty thin. 

On top of floods, earthquakes are also covered, but if you live in tornado alley, you might want to look elsewhere. Despite missing some types of coverage, we like how easy it is to reach customer service.

pro
Pros
pro Flood and earthquake coverage
pro Extended customer service hours
pro Identity theft coverage
con
Cons
con Several weather events not covered (including tornadoes)
con Vandalism and medical expenses not covered

Final word

Just as homeowners insurance needs vary, so do prices for coverage. To make the best decision for your situation, you'll need to get quotes specific to your home, location, and other factors.

We recommend PolicyGenius as an easy way to get multiple quotes and find the best rate for your home.