Best Homeowners Insurance Companies (2026): Ratings, Claims and Coverage Compared
Best homeowners insurance companies ranked on AM Best financial strength, NAIC 2025 market share, J.D. Power 2026 property claims scores and verified homeowners product pages from State Farm, Travelers, Allstate and Liberty Mutual.
Last verified October 5, 2026 · Insurance 8020 is not a licensed insurance producer, broker or agent, does not sell policies and is not affiliated with any insurer named below.
The best homeowners insurance companies for a typical owner-occupied home combine strong AM Best financial strength, meaningful U.S. homeowners market share, and a clear public homeowners product page. We ranked four national writers with verified product pages on October 5, 2026, then layered in NAIC 2025 homeowners market share and the J.D. Power 2026 U.S. Property Claims Satisfaction Study. We do not rank on a single “average premium,” because your rebuild cost, ZIP code and deductible dominate price.
Key Takeaways
- State Farm leads on property scale - State Farm wrote 18.69% of U.S. homeowners multiple-peril premium in 2025 and publishes a detailed homeowners product page.
- Travelers holds the top AM Best grade - AM Best affirmed Travelers’ A++ (Superior) rating on August 21, 2026, and Travelers sells homeowners insurance online and through agents.
- Allstate documents dwelling, contents and ALE - Allstate’s home insurance page lists dwelling, personal property, liability and additional living expenses among core coverages, with 9.42% HO market share in 2025.
- Liberty Mutual emphasizes customization - Liberty Mutual’s homeowners page is live and the group held 5.51% of homeowners premium in 2025 with an AM Best A (Excellent) profile rating.
- Claims leaders differ from scale leaders - in J.D. Power’s 2026 property claims study, Amica scored 773, The Hartford 756 and Chubb 744, against an industry average of 702.
- Official cost context is separate from this ranking - the countrywide HO-3 average was $1,737 in 2023; see our homeowners insurance cost guide for price drivers. For Canadian geo depth, see best homeowners insurance companies in Newfoundland and Labrador.
How we ranked these homeowners insurance companies
We included only carriers with a working homeowners product page we could fetch on October 5, 2026, plus dated AM Best financial strength ratings and NAIC homeowners market share. J.D. Power property claims scores measure claims satisfaction after a loss, so we report them separately rather than folding them into the product ranking table. Availability still varies by state; always confirm a carrier writes where you live.
| Rank | Carrier | AM Best FSR | 2025 HO market share (NAIC) | Verified homeowners product page |
|---|---|---|---|---|
| 1 | State Farm | A+ (Superior) | 18.69% | Homeowners |
| 2 | Travelers | A++ (Superior) | 4.57% | Home insurance |
| 3 | Allstate | A+ (Superior) | 9.42% | Home insurance |
| 4 | Liberty Mutual | A (Excellent) | 5.51% | Homeowners |
Sources: NAIC 2025 market share (homeowners multiple peril); Travelers AM Best rating action, Aug 21, 2026; Allstate AM Best affirmation, Sept 2, 2026; State Farm and Liberty Mutual AM Best grades as listed on our carrier profiles. Product pages accessed October 5, 2026.
1. State Farm: largest homeowners writer with a clear package page
State Farm ranks first because it combines the largest U.S. homeowners book with a documented homeowners product. In the NAIC’s 2025 countrywide data, State Farm Group wrote about $35.3 billion of homeowners multiple-peril premium, an 18.69% share, roughly double Allstate’s 9.42%.
State Farm’s homeowners insurance page positions the policy as protection from roof to floor for the dwelling and personal property, and it links related options such as personal property add-ons and condo coverage. Typical package elements owners should confirm on a quote include:
- Dwelling for covered repair or rebuild of the residence.
- Personal property for covered belongings inside the home.
- Liability for covered lawsuits arising from injuries or property damage you are responsible for.
- Additional living expenses / loss of use when a covered loss makes the home uninhabitable.
State Farm does not publish a single national average homeowners premium on that page. Use the NAIC HO-3 average and a local quote instead. See our State Farm carrier profile and compare quotes for your ZIP code.
2. Travelers: top AM Best grade and online homeowners quoting
Travelers ranks second on financial strength and a clear public homeowners form. AM Best affirmed the group’s A++ (Superior) financial strength rating on August 21, 2026, with a stable outlook. In 2025 Travelers was the seventh-largest U.S. homeowners group at 4.57% share.
Travelers’ homeowners insurance page describes package coverages that typically include:
- Dwelling for covered damage to the home from covered causes of loss such as fire.
- Other structures for detached garages, fences and similar buildings.
- Personal property for covered belongings.
- Loss of use for housing and living expenses if you must move out during covered repairs.
- Liability if you or a household member are held legally responsible for injuries or property damage.
Travelers also sells related personal lines such as renters, condo, umbrella and boat coverage. Our Travelers review covers AM Best, market share and complaint context in more detail.
3. Allstate: second-largest homeowners share with ALE spelled out
Allstate ranks third for documented package language and the second-largest homeowners share. Allstate Insurance Group held 9.42% of homeowners multiple-peril premium in 2025. AM Best affirmed Allstate’s A+ (Superior) financial strength rating on September 2, 2026, with a stable outlook.
Allstate’s home insurance page says coverage can protect the house and what is inside, including dwelling, personal property such as furniture and electronics, liability, and additional living expenses if a covered loss makes the home uninhabitable. Confirm deductibles, replacement-cost options and exclusions on any quote. See our Allstate carrier profile.
4. Liberty Mutual: mid-tier share and a live homeowners quote path
Liberty Mutual ranks fourth for verified product availability and meaningful national scale. Liberty Mutual Group wrote 5.51% of U.S. homeowners multiple-peril premium in 2025. Our Liberty Mutual profile lists an AM Best financial strength rating of A (Excellent).
Liberty Mutual’s homeowners insurance page is publicly reachable for quotes and product detail. As with every carrier here, limits, endorsements and eligibility vary by state. Bundle discounts with auto or umbrella may appear on a quote, but discount sizes are not standardized in NAIC tables, so treat them as quote-specific.
Claims satisfaction leaders (separate from product ranking)
Scale and product documentation are not the same as claims experience after a loss. J.D. Power’s 2026 U.S. Property Claims Satisfaction Study, based on 5,093 homeowners who filed a claim, put Amica first at 773, The Hartford second at 756 and Chubb third at 744, versus an industry average of 702 (up 20 points year over year). Average repair completion was 29.6 days. We did not verify Amica or Hartford homeowners landing pages for this ranking on October 5, so they appear only in this claims section, not in the product table above.
What this ranking does not decide for you
- Price. The NAIC countrywide HO-3 average was $1,737 in 2023, but Michigan averaged $1,110 and Pennsylvania $1,217 on the same form. See homeowners insurance cost, Michigan homeowners insurance statistics and North Carolina homeowners insurance statistics. California owners can compare insurers on state complaint data in our best homeowners insurance companies in California ranking.
- Flood and earthquake. Standard HO-3 forms exclude flood; earthquake often needs a separate endorsement or policy. See flood insurance.
- Rentals. A full-time rental usually needs a landlord or rental-dwelling form, not an owner-occupied HO-3. Compare best landlord insurance companies.
How to use this list
- Confirm the carrier writes homeowners in your state.
- Match dwelling limits to rebuild cost, not purchase price.
- Compare identical liability limits and deductibles across at least three quotes.
- Read exclusions for water backup, service line and ordinance or law.
- Start with our carriers directory, then request a quote.
Frequently Asked Questions
Which homeowners insurance company is best?
“Best” depends on financial strength, claims service, coverage options and your local quote. On the criteria above, State Farm leads on national homeowners scale, Travelers leads on AM Best grade among the four verified product pages, and Amica leads J.D. Power’s 2026 property claims satisfaction score.
Does a higher AM Best rating mean lower premiums?
No. AM Best measures claim-paying ability, not price. Travelers’ A++ rating and State Farm’s A+ rating say nothing about which quote will be lower in your ZIP code.
How much is average homeowners insurance?
The NAIC’s 2023 exposure-weighted countrywide HO-3 average was $1,737. State averages differ widely. Use that figure as context, then get local quotes.
Should landlords use a homeowners policy?
Usually not for a full-time rental. Landlord forms address vacancy, liability and loss of rents differently. See landlord insurance and landlord insurance cost.