Best Home Insurance Companies

The top homeowners insurers ranked on price, coverage breadth, digital experience, and claims satisfaction.

9 min readUpdated June 2026

Lemonade

Best digital experience

Instant claims via app
Transparent pricing
Giveback program

Limited in some states

4.6

$25/mo

Fast online quotes

State Farm

Best for agents

Huge agent network
Strong financials
Bundling discounts

No online-only option

4.5

$32/mo

In-person service

Allstate

Best discounts

Many discount options
Claim rateguard

Higher average premiums

4.3

$30/mo

Bundling policies

How we picked

Our editorial team scored each provider across more than 30 data points — including pricing, coverage, customer satisfaction, and ease of use. Ratings are weighted to reflect what matters most to real buyers, and we refresh them regularly as products and prices change.