The Best Home Insurance Companies for 2022


Amica

Best for: Those seeking good customer service and lots of coverage options.

Policies available in: Washington, D.C., and every state but Alaska and Hawaii.

How to get a quote: Online or by phone.

Pros: Amica has a large number of add-on coverage options, plus efficient online claims filing and tracking.

Cons: Amica doesn’t offer as much detailed homeowners insurance information on its website as some other companies do.

Country Financial

Best for: Those who prefer to have a personal conversation when choosing coverage.

Policies available in: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, Wisconsin.

How to get a quote: By phone.

Pros: The company draws far fewer customer complaints than expected for a company of its size and offers an array of coverage options.

Cons: There’s no way to get a quote online, and policies aren’t available in all states.

Erie

Best for: Homeowners in the Mid-Atlantic or Midwest who want to work with an agent.

Policies available in: Washington, D.C., plus Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin.

How to get a quote: Through an agent.

Pros: Erie draws fewer complaints than expected for a company of its size and offers guaranteed replacement cost standard with some policies.

Cons: You can’t file claims online, and the company’s geographical reach is limited.

The Hanover

Best for: Those looking for many ways to customize their policy.

Policies available in: Arkansas, Connecticut, Georgia, Illinois, Indiana, Louisiana, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Tennessee, Vermont, Virginia and Wisconsin.

How to get a quote: Through an agent.

Pros: The Hanover has an extensive list of ways to customize your coverage and receives far fewer consumer complaints than expected for a company of its size.

Cons: Manufactured homes and certain dog breeds aren’t covered. There’s no online quote option.

Hippo

Best for: Homeowners looking for fast online quotes and digital-first service.

Policies available in: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin and West Virginia.

How to get a quote: Online or by phone.

Pros: Hippo offers fast quotes plus a wide range of extra coverage options.

Cons: Its policies aren’t available in all states, and its tech focus doesn’t appeal to everyone.

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