Best Home Insurance 2025
Your home is likely your biggest investment. We've evaluated the top homeowners insurance providers based on coverage options, pricing, claims satisfaction, and financial strength to help you protect what matters most.
Pro Tip: Bundle your home and auto insurance to save 10–25% on both policies. Most major insurers offer multi-policy discounts.
Quick Comparison
| Provider | Best For | AM Best | Est. Cost | Rating | |
|---|---|---|---|---|---|
| State Farm | Best Overall | A++ (Superior) | $100–$200/mo | 4.5 | Get Quote |
| Allstate | Best for Add-On Options | A+ (Superior) | $110–$220/mo | 4.0 | Get Quote |
| Liberty Mutual | Best for New Homeowners | A (Excellent) | $95–$190/mo | 4.0 | Get Quote |
| Nationwide | Best for Bundling | A+ (Superior) | $90–$180/mo | 4.0 | Get Quote |
| Lemonade | Best Digital Experience | Not Rated (Backed by reinsurers) | $50–$120/mo | 4.0 | Get Quote |
Detailed Reviews
State Farm
AM Best Rating
J.D. Power
835/1000
Est. Cost
$100–$200/mo
Our Rating
Pros
- Largest home insurance provider in US
- Local agent network
- Strong bundling discounts
- Reliable claims process
Cons
- Online tools are limited
- Not always the cheapest
- Discounts vary by state
Who It's Best For: Homeowners who value a local agent and want to bundle with auto insurance.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.
Allstate
AM Best Rating
J.D. Power
820/1000
Est. Cost
$110–$220/mo
Our Rating
Pros
- Claim RateGuard®
- Many add-on coverages
- Easy online claims
- Brand recognition
Cons
- Higher average premiums
- Mixed customer reviews
- Add-ons increase cost
Who It's Best For: Homeowners who want customizable coverage with a well-known brand.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.
Liberty Mutual
AM Best Rating
J.D. Power
810/1000
Est. Cost
$95–$190/mo
Our Rating
Pros
- Inflation protection coverage
- New home discount
- RightTrack® program
- Wide availability
Cons
- Claims satisfaction is average
- Website can be clunky
- Rates increase after first year
Who It's Best For: First-time homebuyers looking for new-home discounts and inflation protection.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.
Nationwide
AM Best Rating
J.D. Power
825/1000
Est. Cost
$90–$180/mo
Our Rating
Pros
- On Your Side® review
- Brand New Belongings®
- Strong bundling discounts
- Pet coverage available
Cons
- Not available in all states
- Average mobile experience
- Limited online quoting
Who It's Best For: Homeowners who want to bundle multiple policies for maximum discounts.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.
Lemonade
AM Best Rating
J.D. Power
N/A
Est. Cost
$50–$120/mo
Our Rating
Pros
- AI-powered instant claims
- Affordable premiums
- Giveback program
- Easy mobile app
Cons
- Limited coverage options
- Not available in all states
- No local agents
- Less established
Who It's Best For: Tech-savvy homeowners who want affordable, streamlined coverage via a mobile-first experience.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.