Best Home Insurance Companies 2026
by Anonymous
Homeowners insurance averages $2,490 per year nationally for $300,000 in dwelling coverage. Rates vary dramatically by state, with Florida and Texas premiums exceeding $5,000 while Vermont residents pay under $1,000. Credit score is the biggest controllable factor, with poor credit nearly doubling premiums. Bundling with auto insurance saves 15-25% at most carriers.
Amica
$1,428
average annual premium
Highest rated
customer satisfaction
Bundling, claims-free, smart home
discount options
Highly rated
claims process
49 states
availability
Travelers
$1,650
average annual premium
Above average
customer satisfaction
Bundling, new home, protective device
discount options
Good
claims process
All 50 states
availability
USAA
$1,350
average annual premium
Highest (military only)
customer satisfaction
Bundling, claims-free, smart home
discount options
Excellent
claims process
All 50 states (military only)
availability
State Farm
$2,100
average annual premium
Above average
customer satisfaction
Bundling, roof, smart home
discount options
Good (largest network)
claims process
All 50 states
availability
Lemonade
$1,200
average annual premium
High (younger demographics)
customer satisfaction
Bundling, smart home, claims-free
discount options
AI-powered instant claims
claims process
29 states
availability
Like this comparison? Make it your own.
Sign up to use as templateMore in Housing
Best Beach Towns to Live In 2026
Corpus Christi, TX vs Sarasota, FL vs Wilmington, NC
Best Home Renovation Apps 2026
Houzz vs HomeZada vs Planner 5D
Condo vs Townhouse vs Single Family Home
Condo vs Townhouse vs Single Family Home
Best House Cleaning Services 2026
Molly Maid vs Merry Maids vs Handy
Best Neighborhoods in NYC for Young Professionals 2026
Williamsburg, Brooklyn vs Astoria, Queens vs Hell's Kitchen, Manhattan
Granite vs Quartz vs Marble Countertops
Granite vs Quartz vs Marble