Home ownership comes with risks — fire, theft, storms and more can lead to costly and unexpected repairs. The right homeowners insurance policy will protect your investment and give you peace of mind. The MarketWatch Guides team conducted a detailed analysis of 37 reputable nationwide providers. We selected State Farm as the best homeowners insurance company alongside providers such as USAA, Farmers, Progressive and more.
When ranking companies, we weigh factors such as cost, coverage, availability, ease of use and brand trust. While cost is important, your homeowners insurance coverage should fit your unique coverage needs. Find tools to help you make an informed decision with our comprehensive guide.
Top 7 Homeowners Insurance Providers
According to our analysis using our in-depth methodology, the following are the best homeowners insurance companies of 2025. These were the highest-rated companies in our industry-wide review of 37 total home insurance companies, with State Farm, USAA and Farmers earning our top score of 4.7 out of 5 stars.
- State Farm Our Top Pick
- USAA Best for Military
- Farmers Best for Coverage Variety
- Progressive Best for Customer Experience
- Erie Best for Bundling Policies
- National General Best for Add-On Coverage
- Nationwide Best for Natural Disaster Damage
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
State Farm is our top pick for homeowners insurance based on the value it offers. The company includes cheap policies, a wide network of local agents and many online resources for customers who need assistance. If you prefer in-person customer service, State Farm agents can help you determine the ideal amount of coverage for your needs.
We surveyed thousands of homeowners regarding their experiences shopping for home insurance and filing claims to pinpoint provider strengths and weaknesses. Our most recent 2025 survey on home insurance claims, consisting of 1,000 participants, found that 311 had a policy with State Farm — making it the most popular provider in this review. In that survey, 88% of participants with a policy from State Farm said they would recommend the provider to a friend.
Standard policy includes extra protection
Offers many online educational resources
Instant quotes not available in all states
Fewer discounts than many competitors
Third-Party Consumer Trust Ratings
According to the Insurance Information Institute, State Farm is the largest writer of home insurance in the U.S. by direct written premiums with $27 million in 2023. The company also has an A++ rating with AM Best, meaning it has the ability to likely meet financial obligations such as claims payouts.
State Farm ranked below average (which is 682 out of 1,000) in J.D. Power’s U.S. Property Claims Satisfaction Study, scoring 661 out of 1,000. The company ranked above average in J.D. Power’s Home Insurance Study with a score of 643 out of 1,000.
Our review team reached out to State Farm for a comment on its J.D. Power score in the U.S. Property Claims Satisfaction Study and received the following response:
“We listen to our customers, we value their feedback, and we are working diligently to address customer service challenges to better meet expectations. Industry study results, like those provided by J.D. Power, are of value to us and are one of the many resources we use to measure how we are doing from a customer’s perspective. As an organization we take pride in our customer service and we are confident in our workforce and know they are the right people to accomplish our goals.”
What Policyholders Say
In our 2025 survey, the most common claim State Farm customers filed concerned water damage, and 40% of people said that the value of their most recent claim was between $1,000 and $5,000. Notably, nearly 93% of people reported that their claims were approved.
When we asked State Farm policyholders if they were satisfied with the insurance provider’s claims process, almost 92% responded yes. Out of the dissatisfied Sate Farm customers, the most common complaint was that claim approval took too long. Some policyholders felt like the company dragged out their claims process for longer than necessary.
Our review team reached out to State Farm for a comment on our survey results and received the following response:
“State Farm values the relationships we have with our customers. If a customer has any questions, we encourage them to reach out through their agent, online at StateFarm.com, or by calling 1-800-STATE-FARM.”
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
USAA provides many military-specific coverages and discounts, making it ideal for active-duty military members, veterans and their families. With this insurer, you don’t have to pay a deductible in the case of a covered loss to your military equipment or uniform. It also offers replacement cost coverage as part of its standard policy. In our latest 2025 home insurance survey, 89% of the USAA policyholders said they would recommend the company to a friend.
Includes unique personal property coverage for military uniforms
Received the highest score in the J.D. Power Home Insurance Study
Available only to active-duty military, veterans and immediate family members
Some competitors offer more add-on coverage options
Third-Party Consumer Trust Ratings
USAA has an A++ rating with AM Best, which means it likely has the financial strength to pay off claims. While USAA consistently scores higher than the national average in J.D. Power studies, the company doesn’t officially rank due to coverage eligibility restrictions. It received a score of 746 out of 1,000 in the J.D. Power Property Claims Satisfaction Study and a 737 out of 1,000 in the Home Insurance Study.
What Policyholders Say
In our 2025 survey, we found that 75 out of 1,000 respondents had a policy with USAA. Water damage was the most common claim filed through USAA. Over 29% of claims were valued between $5,000 and $10,000. Almost 85% of claims filed by survey participants through USAA were approved.
Almost 83% of USAA homeowners insurance policyholders reported satisfaction with the provider’s claims process. Common complaints included lengthy claim and inspection processes with their assigned adjuster.
Our review team reached out to USAA for a comment on our survey’s negative reviews but did not receive a response.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Farmers offers a variety of coverages to suit homeowners of all kinds. Its three highly customizable insurance packages allow you to choose between an affordable base plan and plans with extra features and higher coverage limits. You can also adjust coverage limits within each package for further customization. In our 2025 survey of 1,000 homeowners, 79% of participants with Farmers insurance said they would recommend the company to a friend.
Features customizable coverage options and flexible policy limits
Provides unique discounts to lower your premium
Offers extended replacement cost and guaranteed replacement coverage
Lacks 24/7 customer support
Doesn’t provide the same coverage in all locations
Third-Party Consumer Trust Ratings
Farmers currently holds an A rating with AM Best, which shows the insurer can likely meet its financial obligations, including paying customer claims. However, Farmers ranked below average in J.D. Power’s Property Claims Satisfaction Study, scoring 676 out of 1,000.
Our review team reached out to Farmers for a comment on its J.D. Power score but did not receive a response.
What Policyholders Say
In our 2025 survey on home insurance claims, 62 out of 1,000 participants had an insurance policy with Farmers. Hail damage was the most common claim made by policyholders, and around 31% of claims were valued between $1,000 and $5,000. Almost 83% of these claims were approved, with most denials attributed to insufficient documentation. Over half of these claims took one to two weeks for approval.
Nearly 80% of homeowners with a policy from Farmers reported being satisfied with the provider’s claims process. Those dissatisfied noted frustration with a lengthy claims processing time and claims denials.
Our review team reached out to Farmers for a comment on our survey’s negative reviews but did not receive a response.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
We picked Progressive for the overall quality of its customer experience. The company offers 24/7 customer service alongside a mobile app with high Apple App Store and Google Play ratings. The Progressive app earns 4.8 out of 5 stars in the Apple App Store, based on over 502,000 ratings, and 4.6 out of 5 stars in the Google Play store, based on over 191,000 ratings.
Progressive also received an above-average customer satisfaction rating of 78% in our 2025 homeowners insurance survey (our study’s average was 75%), with 83% of participants noting that they would recommend Progressive to a friend.
Offers quotes from multiple insurance carriers through its HomeQuote Explorer tool
Allows for homeowners to get a quote online
Provides a bundling discount for home and auto insurance
Limited endorsements available compared to other insurers
Coverage may vary by location and underwriter
Third-Party Consumer Trust Ratings
Progressive currently holds an A+ rating with AM Best, reflecting its ability to likely meet the company’s financial obligations, such as claims payouts. The company also scored above average in the latest J.D. Power U.S. Property Claims Satisfaction Study, landing at No. 8 with a score of 697 out of 1,000.
What Policyholders Say
Out of the 1,000 respondents in our latest 2025 home insurance survey, 83 reported holding a policy with Progressive — making it the third-most-popular provider in our survey. The most commonly reported claim was water damage, and 39% of claims were valued between $1,000 and $5,000. Over 90% of claims filed by our survey participants with Progressive were approved by the company.
Around 91% of homeowners with Progressive stated that they were satisfied overall with the company’s claims process. Those who were dissatisfied felt like they should have received more money for their damages and some complained about unnecessary documentation.
Our review team reached out to Progressive for a comment on our survey’s negative reviews but did not receive a response.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
We like Erie Insurance for homeowners looking to bundle their insurance policies. The company offers up to a 25% discount for those choosing to combine home and auto coverage, with the typical discount for most homeowners being around 20%, according to Erie’s website. In addition, Erie also offers discounts for installing smoke and burglary alarms and getting a home insurance quote before your current insurer renews your policy.
Offers a network of local, independent agents for a personal touch
Bundling policies can save homeowners up to 25%
Provides 24/7 customer support
Doesn’t offer online quotes
Has a banned dog breed list
Third-Party Consumer Trust Ratings
Erie Insurance has an A+ rating with AM Best, which indicates a high likelihood of meeting financial obligations to consumers. While the company ranked higher than average in J.D. Power’s 2024 and 2025 Property Claims Satisfaction studies, its ranking slipped slightly from No. 3 to No. 7 out of the featured home insurance companies.
What Policyholders Say
Our most recent survey on home insurance claims had 17 respondents who reported having a policy with Erie. Water damage was the most common claim filed by Erie policyholders, and almost 36% of claims were valued between $20,000 and $30,000. Out of all Erie claims, 93% were approved.
When asked if they were satisfied with Erie’s home insurance claims process, 93% of policyholders said yes. Out of those who were dissatisfied, common complaints included lower-than-expected payments and frustrating experiences with claims adjusters.
Our review team reached out to Erie for a comment on these negative reviews and received the following response from Matthew Cummings, director of strategic communications:
“We’re proud of the fact that Erie Insurance consistently ranks highest in customer satisfaction and maintains one of the strongest customer retention rates in the insurance industry — from year to year, more than 90% of policyholders stay with Erie Insurance due to our commitment to being above all in service. Our consistent policy growth, top rankings in customer service and industry leading retention are the most powerful and accurate indicators of customer satisfaction.”
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
National General
We like National General for its extensive list of add-on options. In addition to common add-ons — such as water-backup coverage and identity-theft protection — the company also provides unique offerings such as coverage for electronic data recovery, home sharing, home systems and more. It also offers coverage for replacing undamaged roof or siding if the damaged material cannot be matched.
Offers a unique selection of add-ons to homeowners
Provides 24/7 claims support
Extended coverage packages to help streamline the shopping process
Doesn’t insure mobile or manufactured homes
Must contact an agent for a quote
Third-Party Consumer Trust Ratings
National General, an Allstate company, holds an A+ rating with AM Best, reflecting its likely ability to pay out claims owed to homeowners. While J.D. Power didn’t include National General in its 2025 Property Claims Satisfaction Study, it was included in J.D. Power’s latest U.S. Home Insurance Study. However, it ranked No. 22 out of 23 ranked providers in the study, earning 570 out of 1,000 points.
Our review team reached out to National General for a comment on its J.D. Power score but did not receive a response.
What Policyholders Say
In our 2025 home insurance survey, none of the participants had a policy with National General. To understand customer sentiment around the company, we turned to Trustpilot and the Better Business Bureau to learn more.
While we found the volume of reviews to be low, happy homeowners called out helpful customer service agents and a fast and smooth claims process. Unhappy customers noted a lack of communication and high premium increases.
Our review team reached out to National General for a comment on our survey’s negative reviews but did not receive a response.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
We like how Nationwide offers endorsements for earthquakes and floods, making it a worthwhile consideration for those concerned about natural disasters. In addition, its standard homeowners insurance plan includes many coverages that insurers typically offer as add-ons. It also provides credit card protection to protect you from unauthorized transactions. According to our survey, 81% of Nationwide customers said they would recommend the insurer to their friend for coverage.
Provides ordinance or law coverage and credit card coverage in basic policies
Includes earthquake and flood coverage as add-on options
Offers a variety of unique discounts
Unable to provide a single-policy quote online
Not available in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey or New Mexico
Third-Party Consumer Trust Ratings
Nationwide has an A rating with AM Best and scored 709 out of 1,000 in the J.D. Power Property Claims Satisfaction Study. In addition, the provider ranked well in J.D. Power’s Home Insurance Study with a score of 641 out of 1,000.
What Policyholders Say
In our most recent 2025 survey, 63 out of 1,000 participants had an insurance policy with Nationwide. Water damage was the most common claim filed by Nationwide policyholders, and almost 35% of claims were valued between $5,000 and $10,000. Our respondents reported that 100% of their claims were approved.
When asked if they were satisfied with the insurance provider’s claims process, almost 97% said yes. Common themes among dissatisfied Nationwide customers included repairs taking longer than expected, poor customer service and a confusing claims process.
Our review team reached out to Nationwide for a comment on these negative reviews but did not receive a response.
Compare the Best Homeowners Insurance Companies
See how our top-rated home insurance providers compare based on key metrics to help you decide which company is the right fit for you.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
| Insurance Company | Best For | Average Monthly Premium* | AM Best** | Our Customer Satisfaction Score*** | |
|---|---|---|---|---|---|
|
Our Top Pick
|
$197
|
A++
|
75%
|
|
|
|
Military
|
$199
|
A++
|
82%
|
|
|
|
|
Coverage Variety
|
$246
|
A
|
69%
|
|
|
|
Customer Experience
|
$238
|
A+
|
78%
|
|
|
Bundling Policies
|
$218
|
A+
|
93%
|
|
|
|
Add-On Coverage
|
N/A****
|
A+
|
N/A*****
|
|
|
|
Natural Disaster Damage
|
$248
|
A
|
80%
|
|
| Insurance Company | Best For | Average Monthly Premium* | AM Best** | Our Customer Satisfaction Score*** | |
|---|---|---|---|---|---|
|
Our Top Pick
|
$197
|
A++
|
75%
|
|
|
|
Military
|
$199
|
A++
|
82%
|
|
|
|
|
Coverage Variety
|
$246
|
A
|
69%
|
|
|
|
Customer Experience
|
$238
|
A+
|
78%
|
|
|
Bundling Policies
|
$218
|
A+
|
93%
|
|
|
|
Add-On Coverage
|
N/A****
|
A+
|
N/A*****
|
|
|
|
Natural Disaster Damage
|
$248
|
A
|
80%
|
|
***This score represents the percentage of respondents who were satisfied with this insurance provider in the MarketWatch Guides February 2025 survey of 1,000 homeowners.
****We don’t receive cost data for National General from Quadrant Information Services.
*****In our MarketWatch Guides February 2025 survey of 1,000 homeowners, no one had National General as their insurance provider.
Using data from Quadrant Information Services, we obtained quotes for each provider in this article across over 15,000 zip codes and compared them to the average premium in the U.S. According to this data, the average cost of homeowners insurance is $244 per month. Read our full cost methodology.
For providers unavailable in Quadrant’s database, we calculated the average premiums using quotes we manually pulled from the provider’s website or representatives. Quotes include comparable policy details in ZIP codes across the U.S. Your cost may vary depending on your location, coverage and personal property needs.
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