1. Nationwide
With a variety of plans that range from industry standard to more specialized alternatives with enhanced coverage, Nationwide is a very powerful supplier of house insurance. There are also specialized policies for condo owners and renters that include liability insurance as well as coverage for possessions and furnishings.
Customers may check and update insurance information, pay a bill or submit a claim, call for roadside assistance, and more using the simple mobile app. A licensed agent near you can be found on Nationwide’s website. To assist you obtain an idea of what your rates will be, the business’ website also features an estimation calculator.
One of the best in the house insurance industry, Nationwide provides an almost limitless number of extra coverages in addition to the regular coverages that you’ve come to anticipate. In addition to having affordable rates, Nationwide has outstanding financial strength ratings. Nationwide provides some significant savings when combined with other incentives. One caveat is that we were charged $100 more per year than most rivals do for the same coverage when we tried to add water-backup coverage—a necessary supplementary coverage—to our sample policy.
2. Chubb
Chubb serves both customers and companies. It offers a wide range of insurance products for people, including life insurance, renters insurance, homeowners insurance, auto insurance, business insurance, personal accidents insurance, and supplemental health insurance.
For co-op and condo owners, Chubb provides tailored insurance coverage. The typical coverage provided by most other insurers are included in Chubb’s homeowner’s insurance. Chubb also provides coverage for wildfires and earthquakes.
Chubb refers customers to an independent insurance agent in your region through its website. Chubb sells policies via a network of independent insurance agents. Through its website and mobile app, the business also enables users to pay bills, file claims, and access account information.
Chubb is a leader in homeowners insurance, providing comprehensive protection for your house and personal property, cutting-edge digital tools, and an unexpectedly individualized claim-handling procedure. It has been in business for about 150 years and enjoys a solid reputation in the property insurance sector. Chubb is supported by Chubb Limited, the biggest publicly traded property and casualty insurance firm in the world and provides products in all 50 states.
3. State Farm
State Farm is a trustworthy brand that provides a wide range of insurance policy alternatives, but its premiums for both house and auto insurance are fairly high.
In comparison to its rivals, State Farm’s renters insurance is more affordable. The discounts State Farm provides to eligible customers are not factored into these prices. Customers who buy insurance and are eligible for State Farm’s best discounts can still get a great deal.
Both customers who prefer an entirely online experience and those who prefer to work with a local insurance agent can benefit from State Farm’s insurance offerings.
Customers who feel comfortable handling their insurance on their own can use State Farm’s handy online solutions, which include the Pocket Agent mobile app. Use this app to pay your insurance premiums, submit a claim, and obtain roadside help. It has garnered great ratings from its users.
State Farm is likely to provide customers searching for a personalized experience with a neighborhood insurance agent with exactly that. State Farm is an above-average insurer that can offer a wide range of home coverages to meet the insurance demands of its clients. Additionally, most renters might benefit from State Farm’s renters insurance.
4. Hippo
In comparison to its rivals, Hippo homeowners insurance frequently costs less. The policies that Hippo sells are underwritten by a small number of providers, but Hippo’s house insurance is frequently one of the most economical options available.
On weekdays, you can reach Hippo’s customer service representatives by phone 24 hours a day. You can also call the company’s hotline to submit a claim at any time. Despite lacking the conventional in-person structure used by other insurance, Hippo’s attention to detail has led to very happy clients.
Given that the experience for homeowners is unaffected by the organizational variations, Hippo is unquestionably something that many homes should take into consideration. Hippo provides some of the strongest coverages we’ve ever seen, and its prices are more affordable than those of its rivals. Additionally, you may immediately acquire a price from Hippo’s website and see precisely what features and discounts you can get.
5. Farmers Insurance
Customer service is Farmers’ best-selling point, which translates into a rapid claims procedure and chances for lower premiums. With more than 48,000 exclusive agents and around 21,000 staff spread out in all 50 states and Washington, D.C., Farmers has a strong network.
Customers adore the fact that Farmers’ agents will uncover insurance discounts for which they may be eligible. Numerous customers also praise the business for being open and honest while handling claims. Farmers offers reasonable prices with competitive rates.
Farmers provides superb customer service with excellent home insurance rates for its clients. The firm’s solid national reputation and amiable representatives make them a recommended house insurance company if you’re ready to settle for the best trade-offs rather than the cheapest home insurance prices.
Important to note: Farmers customers who purchase both vehicle and house insurance plans will be able to take advantage of a bundle discount, making the policies significantly less expensive. Depending on your state of residency and the types of policies you have, the bundle discount may offer savings of up to exactly 16%.
6. USAA
For those who have a homeowners insurance coverage with USAA, amazing pricing are available. However, consumers who own more costly houses are more likely to find USAA’s rates to be competitively inexpensive.
Some of the best customer service reviews in the sector go to USAA. Across all their product offerings, they consistently obtain good scores for claims satisfaction and a low percentage of complaints.
They offer above-and-beyond protection for active-duty members, waiving deductibles for uniforms and offering hefty insurance discounts of up to 60% for vehicles that are kept in storage while you are deployed.
There aren’t many negatives. One is that because USAA doesn’t have many physical sites outside of military bases, most customers will only interact with the company online.
Additionally, there are severe eligibility restrictions for USAA. People who have served in the military and those whose immediate family members have held USAA insurance are the only two categories of people who are eligible for coverage. You cannot obtain a policy if you don’t fit into one of these groups.
If you qualify, USAA house insurance is an excellent option because its affordable premiums and military-friendly benefits are difficult to match elsewhere.
7. Erie Insurance
Erie Insurance is one of the top-rated insurance providers in the United States thanks to its competitive pricing, stellar customer service, and wide range of coverage options.
Only the independent agents in Erie’s network sell insurance. In order to buy insurance, file a claim, and maintain their policy, Erie customers will mostly communicate with the company through their brokers. Although Erie does not provide prices that are among the lowest in the industry, renters insurance products are nevertheless reasonably priced there.
The “Rate Lock” feature of Erie’s auto insurance is one of its greatest advantages. If you are eligible and add Rate Lock to your policy, Erie is prohibited from raising your rates every year unless a significant change occurs.
The fact that Erie’s online facilities are less capable than those of some of its rivals is one of the few drawbacks of purchasing insurance from them. For instance, you can’t receive a homeowners insurance quote online; instead, you must ask an agent for one. Furthermore, only glass repair claims can be submitted online by Erie Insurance clients; all other claims must be submitted through an agent or the Erie claims hotline. Customers can pay their bills and manage their accounts on the Erie website. And unlike many rivals, the business doesn’t provide a smartphone app.
Lastly, Erie only offers insurance in 12 states in the mid-Atlantic and midwestern regions of the country.
8. Liberty Mutual
Liberty Mutual Insurance was established in 1912 it provides a wide range of investment and insurance products, including home, vehicle, fire, workers’ compensation, and liability insurance for both private residences and commercial buildings.
Along with homeowners insurance, Liberty Mutual Insurance also offers condo owners, landlords with rental properties, and apartment occupants specific coverage. It offers standalone flood insurance plans, which are not included in a typical policy. The customizable coverage options provided by Liberty Mutual range from greater deductible limits for valuables to increased liability coverage if you have a pool. Discounts are available to reduce your premium, ranging from selecting paperless billing to making significant investments like constructing a new roof or adding security and safety systems to your house. Discounts for members of the military and clients who buy several policies from Liberty Mutual are also offered.
The company’s insurance plans are available for purchase online, over the phone, or from an independent agent. The website can also direct you to a local agent, or you can use the online estimating tool to begin with your own price quote. You can save up to 10% on your coverage by making your purchase online. Policyholders of Liberty Mutual can access account information and start a claim through a smartphone app.
9. Progressive
The house insurance offered by Progressive is average. Progressive uses underwriters to create its policies rather than writing them themselves. As a result, the underwriters that work in your area will have a different impact on the rates you pay as well as the coverages and discounts that are accessible to you.
The homes insurance from Progressive protects your house, your belongings, and pays for lost-use costs if your house is uninhabitable for a while. Similar to the majority of other insurance, this one also covers medical expenses for third parties.
The liability coverage you receive from Progressive does not correspond to what is typical among other house insurance companies. While personal liability is covered by every house insurance policy, you must buy an endorsement to cover liability for personal harm. This covers potentially more expensive claims such as those involving slander or libel, unlawful eviction, and false arrest.
Comparing Progressive’s rates to those of its rivals can be challenging due to the company’s lack of a thorough quote comparison tool. Progressive’s forms for auto, motorbike and renters insurance don’t make it simple for you to change your preferred policy limits.
Instead, Progressive evaluates the value of your house when you enter your address and uses that data to show you a range of rates from the underwriters available in your area. To obtain a price other than the one based on the site’s estimate of your property, you must speak with an agent.
10. Amica
The inexpensive prices Amica offers and the excellent reviews it receives from clients are unmatched by many, if any, other insurers. Only businesses who prioritize price, like GEICO, can offer rates that are competitive with Amica’s vehicle insurance premiums. Amica offers affordable home and vehicle insurance rates even when no discounts are applied. You can save money on already low prices if you’re able to take advantage of its reductions, such as the multi-line discount.
Amica is regarded as a top-notch insurance provider by industry experts and clients. Customers laud Amica for having agents that handle claims quickly while yet projecting professionalism.
Current policyholders praise the expertise and friendliness of Amica’s agents. The company’s vehicle insurance rates are criticized in the unfavorable evaluations rather than its agents or customer service. The opinions of industry professionals on Amica’s claims satisfaction are discussed below. Amica has received some of the highest scores for an insurance provider overall.
EAmica is an affordable insurance provider for most consumers because it offers reasonable prices across a range of policy limits. Policyholders will enjoy the assistance of Amica’s acclaimed customer service staff if something goes wrong. Amica is an excellent option for you unless you’re seeking for a big list of endorsements.
