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
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