The Best Home Insurance Companies for 2022

Your home is one of your largest and most meaningful investments, so choosing the best homeowners insurance available to you makes sense.

These ratings, compiled from data for several large property insurance companies, are only a starting point. They’re based on consumer complaint data from the National Association of Insurance Commissioners, or NAIC; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. However, they don’t consider price, which can vary widely. Smaller, regional insurance companies are also worthy of consideration in many areas.


Best for: Current and former members of the military.

Policies available in: All 50 states and Washington, D.C.

How to get a quote: Online or by phone.

Pros: Policies include perks for members of the military and cost less than the national average, according to NerdWallet’s analysis.

Cons: Only military, veterans and their families are eligible.

Company overview: USAA is open only to active military members, veterans and their families. For those who qualify, USAA provides several standard features that many other insurers don’t:

  • Identity theft coverage in most states to help with expenses if you are the victim of identity fraud.
  • Military uniform coverage for those on active duty or deployed, which provides full reimbursement without a deductible if a uniform is damaged or stolen during a covered event.
  • Replacement cost coverage, which pays the cost to replace items rather than providing only the depreciated value.

USAA has far fewer complaints to state regulators for home insurance than expected for a company of its size, according to the NAIC.

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.

Company overview: Depending on which type of policy you choose, Country Financial may cover household mishaps, such as countertop burns or spilled paint. In most states, Country Financial offers guaranteed replacement cost coverage that pays the cost of standard new construction materials and labor if you need to rebuild your home, with no limits.


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.

Company overview: Amica home insurance offers the standard coverage you’d expect along with strong customer service. Those looking for extra coverage can select the Platinum Choice package, with perks like extended dwelling coverage, higher liability limits and coverage for damage due to backed-up drains or overflowing sump pumps.


Best for: Homeowners seeking lots of discount options and coverage other companies charge extra for.

Policies available in: Washington D.C., and every state except Alaska, Hawaii, Louisiana and Massachusetts.

How to get a quote: Online (except in Florida) or through an agent.

Pros: Nationwide has a user-friendly website and offers plenty of discounts.

Cons: Nationwide doesn’t insure mobile or manufactured homes.

Company overview: Nationwide stands out by offering ordinance or law insurance in its standard homeowners insurance policy. This means if you have a covered loss and need to update your home to meet current building codes, your insurance may cover the costs.


Best for: Affluent homeowners who want high coverage limits and lots of perks.

Policies available in: All 50 states and Washington, D.C.

How to get a quote: Through independent insurance agents.

Pros: Chubb includes several features in its homeowners policies that other companies charge extra for. It offers a large number of discounts too.

Cons: Chubb tends to be more expensive than other insurers and doesn’t offer online quotes for most consumers.

Company overview: Chubb targets owners of expensive homes, tailoring much of its experience toward well-to-do clients. It offers a substantial number of coverage options, including atypical ones such as HomeScan, which helps uncover issues with your home that require attention before they can cause damage.

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