When it comes to protecting your home, choosing the right insurance provider is crucial. From coverage options to customer service, each company offers unique benefits and features. Here’s an overview of 10 major national home insurance providers in the United States, listed alphabetically, to help you make an informed decision about safeguarding your most valuable asset.
When it comes to protecting your home, choosing the right insurance provider is crucial. Here’s an overview of 10 major national home insurance providers in the United States, listed alphabetically.
Allstate
- Founded in 1931 as part of Sears, now an independent company
- Offers unique features like Claim RateGuard and Deductible Rewards
- Digital tools include mobile claims filing and policy management
- Known for “You’re in Good Hands” slogan and financial stability
- Multiple discount options including new customer, autopay, and early signing
- Coverage options extend to home businesses, yard/garden, and identity theft
American Family Insurance
- Primarily serves 19 states, with strongest presence in Midwest
- Offers unique coverage for home-based businesses and side gigs
- Emphasizes preventative care with smart home device discounts
- Known for personalized service through local agents
- Provides diminishing deductible program
- Offers equipment breakdown coverage similar to home warranty
Farmers Insurance
- Three customizable packages: Standard, Enhanced, and Premier
- Declining deductibles and claim forgiveness available
- Covers cosmetic damage to matching items
- Offers unique features like eco-rebuild coverage
- Strong presence in catastrophe-prone areas
- Provides specialized coverage for high-value homes
GEICO
- Partners with third-party carriers rather than direct underwriting
- Known for competitive rates and multi-policy discounts
- Strong digital presence with highly rated mobile app
- Offers flood insurance through National Flood Insurance Program
- 24/7 claims service and customer support
- Emphasizes online quote comparison tools
Liberty Mutual
- Customizable coverage with inflation protection
- Offers unique endorsements for valuable items
- Military discount and partnership programs
- Emergency repair service network
- Multi-policy and early shopper discounts
- Coverage options for home businesses and identity fraud
Nationwide
- Brand New Belongings coverage for full replacement cost
- Better Roof Replacement option for upgraded materials
- Free annual insurance reviews with agents
- Strong water backup coverage options
- Multiple deductible choices available
- Offers extended replacement cost coverage
Progressive
- HomeQuote Explorer allows comparison shopping
- Partners with select carriers for underwriting
- Strong bundling discounts with auto insurance
- Electronic policy management and paperless options
- Multiple deductible options available
- Offers coverage for home-sharing
State Farm
- Largest home insurer in United States
- Extensive network of local agents nationwide
- Strong financial ratings and stability
- Comprehensive replacement cost coverage
- Multiple line discounts available
- Offers home alert protection discounts
Travelers
- One of oldest insurance companies (founded 1864)
- Green home coverage for eco-friendly repairs
- Decreasing deductible and loss forgiveness
- Special coverage for valuable items
- Identity fraud protection included
- Multiple discount programs available
USAA
- Exclusively serves military members, veterans, and families
- Consistently highest customer satisfaction ratings
- Comprehensive coverage includes replacement cost
- No deductible for uniform loss in qualified events
- Strong natural disaster coverage
- Competitive rates and multiple discount options