Best Homeowners Insurance Companies of 2026

Amica is our top overall pick. It pairs the six standard coverages with seven optional add-ons, including earthquake coverage, water backup and a Platinum Choice package with upgraded limits. Nine discounts give most households more than one way to lower the price.

Amica sells homeowners insurance in the contiguous U.S. Its add-ons go further than the basics: dwelling replacement coverage of up to 30% above your limit, special computer coverage, home business coverage and identity fraud expense. Discounts include loyalty, multiline, claim-free, AutoPay, e-discount, paid in full, alarm system, new or remodeled home credit and automatic detection devices. In select states, Amica also offers dividend policies, which can return part of your premium.

Amica doesn't sell flood insurance itself (flood coverage goes through the National Flood Insurance Program as a separate policy), and while you can get a quote and file a claim online, you can't buy a policy online.

Chubb is our pick for high-value homes. Water backup coverage comes included, and its add-ons cover things many owners of expensive homes need, like valuable articles and collections insurance, extended replacement cost and personal umbrella coverage. It also offers Wildfire Defense Services and Hurricane Protection as options.

Chubb is available in all 50 states and Washington, D.C. Flood insurance (as a separate policy) and earthquake insurance are both available, along with home appliance and equipment breakdown coverage, a HomeScan infrared detection service and GreenWise Upgrade Coverage. Discounts include a portfolio discount for insuring multiple assets with Chubb, customer loyalty, home and auto bundling, protective devices, new or renovated home and loss-free.

Farmers is our pick if discounts are your priority. It lists 14, covering everything from paperless documents and a good payment history to leak detection devices, UL-approved roofing materials and green certifications like ENERGY STAR and LEED.

Farmers sells homeowners insurance in 41 states. It isn't available in Alaska, Delaware, the District of Columbia, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont or West Virginia. Its discount list also includes affinity, Farmers GroupSelect for employee and association groups, claim-free (three consecutive years), rent-to-own, connected home, and new home (under 14 years old). Add-ons include guaranteed replacement cost, umbrella liability of up to $10 million, scheduled personal property, equipment breakdown, identity theft protection and claims forgiveness. Flood insurance is available as a separate policy. You can get a quote and file claims online, but you must buy a policy through an agent.

USAA is our pick for the military community. Identity theft insurance of up to $5,000 comes standard, and you can obtain a quote, buy a policy and file claims online.

USAA offers homeowners coverage in all 50 states and D.C. Flood, earthquake, windstorm and water backup coverage are all optional add-ons, alongside valuable possessions insurance, home-sharing coverage, personal injury coverage and extended replacement cost. Its seven discounts include bundling, claims-free (five or more years), connected home, early quote, loyalty, a protective device credit for an ADT system and a roof age discount. In certain high-risk zones, the standard policy may exclude wind damage. Like most USAA insurance products, eligibility is limited to active-duty military members, veterans and their families.

Nationwide is our pick for smart homes. In most states, its policies include complimentary Ting electrical-fire monitoring, and it offers a dedicated smart home discount.

Nationwide is available in 43 states and D.C., but not in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey or New Mexico. Beyond the standard six coverages, policies include ordinance or law coverage and $500 of credit and debit card fraud protection. Add-ons include Brand New Belongings, Better Roof Replacement, identity theft coverage of up to $10,000, service line coverage and equipment breakdown. Nationwide offers discounts such as multi-policy, protective device, claims-free, home renovation credit, roof rating, home purchase within 12 months, prior insurance and gated community. Nationwide doesn't mention flood or earthquake coverage, and it excludes backed-up sewers and drains unless you add water backup coverage. You can buy a policy and file claims online.

State Farm is our pick for storm- and wildfire-prone areas. It lists discounts for wind mitigation, hurricane-resistant windows and impact-resistant roofing, plus a wildfire mitigation discount in California, Colorado and Oregon. Policies also include an automatic 20% increase in the dwelling limit at no extra cost.

State Farm sells homeowners insurance in 47 states and D.C., but not in California, Massachusetts or Rhode Island. That means its wildfire mitigation discount, listed for California, Colorado and Oregon, won't apply to new California homeowners policies (only existing ones). Add-ons include water backup, earthquake insurance (a separate endorsement), identity theft insurance, service line, equipment breakdown, ordinance or law, energy-efficient upgrade coverage and vacant home insurance. Other discounts include bundling, home security, claim-free and fire hydrant proximity. Flood insurance isn't part of the policy; agents refer you to the National Flood Insurance Program (NFIP). You can buy a State Farm policy and file claims online.

Allstate is our pick for local agent support. It sells homeowners coverage in all 50 states and D.C., and you can buy a policy and file a claim online.

Allstate's personal property coverage includes replacement cost, and flood insurance is available as a separate product. Add-ons include water backup, identity theft restoration, valuable items coverage for jewelry, antiques and musical instruments, HostAdvantage for short-term rentals, service line and extended replacement cost. Discounts include multi-policy, responsible payer, claim-free, welcome and loyalty, home buyer, Easy Pay Plan, protective device, early signing and windstorm mitigation in Florida. Its exclusion list is longer than most here: business pursuits, freezing if heat isn't maintained, and damage during construction or vacancy are excluded, along with flood and earth movement.

Travelers is our pick for eco-friendly homes. It offers a green home discount for LEED-certified homes and green home coverage as an add-on.

Travelers sells homeowners insurance in 41 states. It isn't available in Alaska, the District of Columbia, Florida, Hawaii, Louisiana, Michigan, New Jersey, New York, Rhode Island or West Virginia. Add-ons include special personal property coverage, contents replacement cost, extended replacement cost, jewelry and valuables coverage, water backup and identity fraud protection with up to $25,000 in reimbursement. Its discounts are homebuyer (within 12 months), multi-policy, protective device and loss-free. Travelers doesn't offer earthquake coverage, and flood coverage comes through its partner Neptune Flood as a separate product. You can quote and file claims online, but you can't buy a policy online.

Progressive is our pick for newer homes. It offers a new home construction discount and a new purchase discount if you've just bought a home or are switching from renters insurance.

Progressive is available in all 50 states and D.C., and you can quote, buy and file claims online. Its other discounts include home and auto bundling, safety and alarm, quoting at least 10 days in advance, paperless documents, paying in full and Florida wind mitigation. The add-on menu is short: water backup and sump discharge or overflow, plus personal injury coverage for things like slander, libel and wrongful eviction. Optional riders for jewelry, art and bicycles are also available. Flood and earthquake coverage aren't covered or offered as endorsements. Identity theft protection is sold only as a separate product, and Progressive's exclusions include mold growth and deferred maintenance.