Best Home Insurance Companies for 2025

Amica stayed in the No. 1 spot with an overall score of 4.73 out of 5 stars, a slight increase over 2024. Amica has spent many years topping J.D. Power’s home insurance survey, and Insure.com‘s survey of insurance customers found similar results.

Amica’s low rates and low NAIC complaint ratio align with customer opinions of the company. Our survey found that 88.9% plan to renew their Amica policy. Amica home insurance is offered nationwide with an easy direct-buy approach.

State Farm is the No. 2 national company for home insurance in 2025, holding its position from 2024. It received 4.55 out of 5 stars. In the Insure.com survey, it ranked well for customer satisfaction; 89.9% of customers said they were satisfied with State Farm’s customer service, an increase of 5% over last year. State Farm received solid scores in most categories.

State Farm has a long history, is financially stable, and is the biggest home insurance company in the country. It has an AM Best rating of A++, the best possible rating.

One of the biggest names in home insurance, Allstate is a great pick for homeowners, with the second-lowest average rates across all companies surveyed.

Allstate customers do feel they’re in good hands, as 89.6% of those surveyed said they plan to renew their home insurance with the company and 84.3% expressed satisfaction with Allstate’s customer service. The company earned 4.4 out of 5 stars in our ranking, earning it third place for the second year in a row.

Progressive saw the biggest jump from 2024, rising from No. 7 to No. 4 for 2025, with an overall score of 4.07 out of 5. This can be attributed to a drop in the company’s complaint ratio with the NAIC. It scored well across the board and was second only to Amica for digital experience.

The vast majority of Progressive customers – 89% – said in our survey that they’d recommend the company. However, rates are above average, so asking about discounts is important.

Nationwide dropped one spot to No. 5 this year, with an overall score of 4.05 out of 5 stars. Nationwide offers various coverage options beyond home insurance, making it a good choice for bundling policies. Its auto and home bundling discount is one of the bigger ones, at 22%.

This year, 75.9% of customers said they would recommend Nationwide, a notable drop from 90% last year, while 86% of those surveyed plan to renew their policy. That’s also lower than last year when it scored 92% in this category.

Farmers dropped from No. 5 to No.6 on the best insurance companies list for 2025, but earned generally good scores across the board. Our survey found that 82.9% of customers would recommend the company and 87.8% plan to renew. Both of those numbers rose a percentage point from last year.

Although Farmers’ rates are above average, the company has a good list of discounts and offers a 15% auto and home bundling discount. That means there are plenty of ways to save.

Travelers is highly recommended by current customers, and 84.1% of those surveyed said they’d recommend it to others for home insurance. It earned 3.80 out of 5 stars, an increase from last year but not enough to prevent it from falling to seventh place overall. Customers are satisfied with the ease of service and policy offerings and scored the company generally well, although it scored lower for claims handling.

Travelers earned AM Best’s top A++ rating for financial stability, which means the company is on solid financial ground.

One of the smaller companies on the list, Erie punches above its weight. It was again the top company on our list among regional companies for 2025 with 4.62 out of 5 stars, very close to last year’s rating.

Erie was one of only two companies to earn 100% scores in any category; in fact, Erie earned it in two categories: ease of service and claims handling. It comes highly recommended by current customers, 92.9% of whom plan to renew their coverage. The main downside to Erie is that it isn’t available in all states.

Auto-Owners’ excellent customer service, competitive rates, and wide variety of policy offerings land it in second place again this year. The company earned 4.48 out of 5 stars. Our survey found that 90% of customers plan to renew with Auto-Owners, and it has a top AM Best rating of A++.

Home insurance discounts with Auto-Owners are a big part of the company’s appeal, including the auto and home bundling discount. Auto-Owners doesn’t provide quotes online, but those drawbacks don’t keep it from the No. 2 spot.

American Family landed in third place among regional carriers for the second year in a row. It scored well for customer service, with 86% of customers satisfied and 86.2% of customers saying they plan to renew. However, the company didn’t perform as well when customers were asked if they would recommend it to others; only 69% said they would.

American Family offers a range of home insurance discounts and has a solid financial rating from AM Best. Its rates are slightly higher than some competitors but still below the national average.