Homeowners insurance is a type of insurance policy that provides coverage for damage or loss to a person’s residence, as well as personal property within the home.
In the United States, there are numerous homeowners insurance companies to choose from, each with its own policies and coverage options.
In this article, we will provide an overview of the top homeowner’s insurance companies in the U.S., including their history, coverage options, and customer satisfaction ratings.

State Farm
State Farm is one of the largest homeowners insurance companies in the U.S., with over 16% of the market share.
The company was founded in 1922 and is headquartered in Bloomington, Illinois. State Farm offers a range of homeowners insurance policies that cover damage to the home, personal property, and liability.
The company also offers additional coverage options, such as earthquake insurance, flood insurance, and identity theft protection.
State Farm has consistently high customer satisfaction ratings, with an A+ rating from the Better Business Bureau and a 4.5 out of 5-star rating from J.D. Power.
Allstate
Allstate is another large homeowners insurance company, with over 9% of the market share. The company was founded in 1931 and is headquartered in Northbrook, Illinois.
Allstate offers a range of homeowners insurance policies, including standard policies that cover damage to the home and personal property, as well as additional coverage options, such as flood insurance and identity theft protection.
Allstate also offers a range of discounts to homeowners, such as discounts for having a security system or bundling multiple policies.
Allstate has a strong reputation for customer service, with a 4 out of 5-star rating from J.D. Power.
Liberty Mutual
Liberty Mutual is a Boston-based insurance company that offers homeowners insurance policies throughout the U.S.
The company was founded in 1912 and is known for its wide range of insurance products, including auto, life, and home insurance.
Liberty Mutual offers standard homeowners insurance policies, as well as additional coverage options, such as flood insurance and earthquake insurance.
The company also offers a range of discounts to homeowners, such as discounts for having a security system or being a new homeowner. Liberty Mutual has a strong reputation for customer service, with a 4 out of 5-star rating from J.D. Power.
Nationwide
Nationwide is a Columbus, Ohio-based insurance company that offers homeowners insurance policies throughout the U.S.
The company was founded in 1926 and is known for its range of insurance products, including auto, life, and home insurance. Nationwide offers standard homeowners insurance policies, as well as additional coverage options, such as flood insurance and identity theft protection.
The company also offers a range of discounts to homeowners, such as discounts for having a security system or being a new homeowner. Nationwide has a strong reputation for customer service, with a 4 out of 5-star rating from J.D. Power.
USAA
USAA is a San Antonio-based insurance company that offers homeowners insurance policies to current and former members of the military and their families.
The company was founded in 1922 and is known for its range of insurance products, including auto, life, and home insurance. USAA offers standard homeowners insurance policies, as well as additional coverage options, such as flood insurance and earthquake insurance.
The company also offers a range of discounts to homeowners, such as discounts for bundling multiple policies. USAA has a strong reputation for customer service, with a 5 out of 5-star rating from J.D. Power.
Travelers
Travelers is a Hartford, Connecticut-based insurance company that offers homeowners insurance policies throughout the U.S.
The company was founded in 1853 and is known for its range of insurance products, including auto, life, and home insurance.
Travelers offers standard homeowners insurance policies, as well as additional coverage options, such as flood insurance and identity theft protection.
The company also offers a range of discounts to homeowners, such as discounts for having a security system or being a new homeowner. Travelers has a strong reputation for customer service, with a 4 out of 5-star rating from J.D. Power.
American Family Insurance
American Family Insurance is a Madison, Wisconsin-based insurance company that offers homeowners insurance policies throughout the U.S.
The company was founded in 1927 and is known for its range of insurance products, including auto, life, and home insurance. American Family Insurance offers standard homeowners insurance policies, as well as additional coverage options, such as flood insurance and identity theft protection.

The company also offers a range of discounts to homeowners, such as discounts for having a security system or bundling multiple policies. American Family Insurance has a strong reputation for customer service, with a 4 out of 5-star rating from J.D. Power.
Chubb
Chubb is a New York-based insurance company that offers homeowners insurance policies throughout the U.S. The company was founded in 1882 and is known for its range of insurance products, including auto, life, and home insurance.
Chubb offers standard homeowners insurance policies, as well as additional coverage options, such as flood insurance and identity theft protection.
The company also offers a range of discounts to homeowners, such as discounts for having a security system or being a new homeowner. Chubb has a strong reputation for customer service, with a 4 out of 5-star rating from J.D. Power.
Erie Insurance
Erie Insurance is an Erie, Pennsylvania-based insurance company that offers homeowners insurance policies throughout the U.S. The company was founded in 1925 and is known for its range of insurance products, including auto, life, and home insurance.
Erie Insurance offers standard homeowners insurance policies, as well as additional coverage options, such as flood insurance and identity theft protection.
The company also offers a range of discounts to homeowners, such as discounts for having a security system or being a new homeowner. Erie Insurance has a strong reputation for customer service, with a 4 out of 5-star rating from J.D. Power.
When choosing a homeowners insurance company, it’s important to consider factors such as coverage options, discounts, and customer satisfaction ratings.
It’s also important to compare quotes from multiple insurance companies to ensure that you’re getting the best coverage at the best price.
By researching and comparing homeowners insurance companies, you can find the right policy to protect your home and personal property.