How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- State Farm is the best all-round house insurer, with 19,000 agents, 96 million plus policies, and a top-rated app.
- USAA is the best choice for military families, with award-winning service and bundle savings up to 10 percent.
- Allstate suits households that want smart savings and an app that tracks property climate risks.
- Liberty Mutual offers strong bundle savings, averaging over $950 a year on car and home when bundled online.
- Farmers offers a free coverage review of your current policy, even if it is with another company.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 State Farm | Homeowners who want a dedicated agent and a top-rated app | See website | See website |
 Allstate | Households that want smart savings and climate risk tools | See website | See website |
 USAA | Military members, veterans, and their eligible families | See website | See website |
 Progressive | Homeowners who want easy bundling and online quotes | See website | See website |
 Liberty Mutual | Homeowners who want strong bundle savings and 24/7 support | See website | See website |
 Nationwide | Households that want insurance plus financial services in one place | See website | See website |
 Travelers | Homeowners who want a large, stable insurer with agent access | See website | See website |
 Farmers | Homeowners who want a coverage review and local agent help | See website | See website |
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
The best house insurance companies
#1
State Farm
Best for: Homeowners who want a dedicated agent and a top-rated app
Visit statefarm.com
Starting priceSee website
Free planSee website
State Farm has been helping protect families since 1922, and it is the largest house insurer on this list by scale, with more than 96 million policies and accounts and 19,000 agents across the US. Every account comes with a dedicated agent, so you get a person to call when you need help, not just a website.
The State Farm app makes everyday tasks simple: pay a bill, find insurance cards, change coverages, file claims and track their status, and dig into policy details, all from your phone. It holds a 4.8 out of 5 rating with more than 1 million reviews in the App Store. Bundling home and auto can save an average of $1,429 per household per year, based on a 2025 national survey of new policyholders who reported savings by switching.
Prices and discounts vary by state, and quotes require your ZIP code and home details, so you cannot see a price without starting a quote. For homeowners who want an agent, a strong app, and a company with a century of stability, State Farm is the best all-round choice.
What we like- Since 1922, 19,000 agents, 96 million plus policies and accounts, app rated 4.8 out of 5 with 1 million plus reviews, bundle savings
Watch out for- Prices vary by state, quotes need ZIP code and personal details, some discounts vary by state
#2
Allstate
Best for: Households that want smart savings and climate risk tools
Visit allstate.com
Starting priceSee website
Free planSee website
Allstate protects more than 16 million households and has been protecting customers for over 90 years, since its founding in 1931. Its app goes beyond policy management: it helps you save on gas, reach help after a crash, know your property's climate risks, track who has your online data, and manage policies in one place.
That climate risk view is genuinely useful for homeowners, since flood, wildfire, and storm exposure increasingly affect premiums and coverage decisions. Allstate also offers renters insurance from $5 a month, identity protection, and life insurance, so a household can cover several needs with one company.
Prices vary by state, home, and coverage choices, and quotes require personal details. For homeowners who want a modern app, smart savings tools, and a long-established insurer, Allstate is a strong choice.
What we like- 16 million plus well-protected households, 90 plus years of experience, app tracks property climate risks, online quotes, renters from $5 a month
Watch out for- Prices vary by state and home, some app features need enrollment, quote requires personal details
#3
USAA
Best for: Military members, veterans, and their eligible families
Visit usaa.com
Starting priceSee website
Free planSee website
USAA was founded in 1922 when a group of soldiers insured each other because other companies considered their military lifestyle too risky, and it still serves only the military community and their families today. That focus shows in service: USAA delivers award-winning service with 24/7 online support for claims, fraud monitoring, and security, and it was named to TIME's America's Best Financial Services of 2026 and Forbes 2026 Best Brands for Social Impact.
Home insurance customers can save up to 10 percent on their premium when bundling homeowners and auto insurance, and USAA also offers flood insurance, which matters because standard homeowners policies usually exclude flood damage. Its mobile app lets members check balances, pay bills, view ID cards, report claims, and get roadside assistance.
The limitation is eligibility: you must be a current military member, veteran who honorably served, National Guard or Reservist, contracted cadet or midshipman, eligible officer candidate, or spouse or child of a member. If you qualify, USAA is the best house insurer on this list.
What we like- Save up to 10 percent when bundling homeowners and auto, award-winning service, 24/7 online claims support, flood insurance available, over 100 years serving military
Watch out for- Membership limited to military community and eligible family, prices vary by state and home, some products need membership
Starting priceSee website
Free planSee website
Progressive is a leading insurance company trusted since 1937, built around understanding what customers need to protect and offering customized coverages. Its product range covers auto, motorcycle, RV, life, and property insurance, with bundling auto and property insurance presented as the easy way to save more.
The company's strength is its quote and claims experience. You can start a quote online with your ZIP code, manage policies through the Progressive app, and report claims online, in the app, or by phone. Progressive's people and technology are built to support you through the claims process, which is when an insurer's quality really shows.
Home insurance through Progressive is often written through partner carriers depending on your state, so the underwriting company may differ from Progressive itself. Prices vary by state and home. For homeowners who already use Progressive for auto and want a simple bundle, it is a convenient and competitive choice.
What we like- Trusted since 1937, bundle auto and property to save more, wide product range, customized coverages, strong claims service
Watch out for- Home insurance often written through partners, prices vary by state and home, quote requires personal details
Starting priceSee website
Free planSee website
Liberty Mutual has been trusted for over 100 years, and its headline offer is bundle savings: you could save over $950 a year on car and home insurance when you bundle online, based on a survey of new customers who switched between October 2024 and September 2025. Its promise is protection you can trust at a price that works for you, paying only for what you need.
Coverage is broad, spanning homeowners, renters, condo, landlord, mobile home, flood, and umbrella policies, plus auto, life, identity theft, pet, and small business insurance. You can quote on your own and buy online in minutes, or work with a local independent agent for personalized advice, and 24/7 customer support is available through the website and highly rated mobile app.
Savings vary by state and purchase method, and the bundle comparison does not apply in Massachusetts. For homeowners who want a large, stable insurer with strong online bundle savings, Liberty Mutual is a top pick.
What we like- Trusted for over 100 years, average savings over $950 a year when bundling car and home online, 24/7 customer support, buy online or through an agent
Watch out for- Savings vary and do not apply in MA for the survey comparison, prices vary by state, some discounts need online purchase
#6
Nationwide
Best for: Households that want insurance plus financial services in one place
Visit nationwide.com
Starting priceSee website
Free planSee website
Nationwide has grown from a small mutual auto insurance company owned by policyholders who farmed in Ohio into one of the largest insurance and financial services companies in the world, still answering to its members. It protects vehicles, property, pets, and events for families, businesses and employees for companies, and investments and retirements for the future.
For homeowners, Nationwide offers homeowners, car, motorcycle, pet, farm, life, and commercial insurance, plus annuities, mutual funds, retirement plans, and specialty health services. That breadth suits households that want one company for insurance and financial planning, and the Nationwide mobile app offers easy 24/7 support for paying bills, accessing policy documents, and viewing ID cards.
Prices vary by state, coverage, and rating factors, and product availability varies by state. For homeowners who value a mutual company with a century of history and a full financial services range, Nationwide is a solid choice.
What we like- Protecting people for 100 years, Fortune 100 company, car, homeowners, pet, farm, life, and commercial insurance, annuities and retirement, 24/7 app support
Watch out for- Prices vary by state and home, some products vary by state, quote requires personal details
#7
Travelers
Best for: Homeowners who want a large, stable insurer with agent access
Visit travelers.com
Starting priceSee website
Free planSee website
Travelers is a major national insurer offering coverage and protection for what matters most, with personal insurance for homes and vehicles and business insurance that transforms risk into business advantage. Its tools let you manage your claim experience online, pay bills, file claims, find an agent, and contact the company, all from the homepage.
The company's agent network is a strength. You can find a local independent agent through the site, or start a quote online with your ZIP code, or call to get a quote. That flexibility suits homeowners who want a person to talk to, as well as those who prefer to handle everything online.
Product details on the homepage are lighter than some rivals, and prices vary by state and home. For homeowners who want a large, stable insurer with strong claims tools and agent access, Travelers is a reliable choice.
What we like- Large national insurer, personal and business insurance, easy claim tools, find a local independent agent, quote online or by phone
Watch out for- Prices vary by state and home, homepage product details are light, quote requires ZIP code and details
#8
Farmers
Best for: Homeowners who want a coverage review and local agent help
Visit farmers.com
Starting priceSee website
Free planSee website
Farmers stands out with a genuinely useful offer: a free Farmers Coverage Review of your current policy, no matter who it is with, showing exactly what is covered and what is not in plain language. If Farmers is not the right fit, the company says it will tell you and help you compare options, which is a refreshing promise in insurance.
Bundling home and auto with Farmers can save up to $1,232 when you switch, based on average nationwide annual savings of new customers surveyed from September 2024 to August 2025 who switched both policies. The redesigned Farmers mobile app makes it easy to manage policies anytime and anywhere, and you can find a local agent for coverage options and personalized service.
Savings vary by customer, state, and product, and quotes require your ZIP code and home details. For homeowners who are unsure about their current coverage and want a plain-language review plus an agent, Farmers is the best starting point.
What we like- Free Farmers Coverage Review of any current policy, save up to $1,232 when switching and bundling home and auto, redesigned mobile app, find a local agent
Watch out for- Savings vary by customer, state, and product, prices vary by home and state, quote requires ZIP code and details
How we chose
We compared house insurance companies genuinely available to US homeowners in 2026, with real homeowners products, not just auto or life insurers. We checked each vendor homepage to confirm the company exists and matches its description, and we used published savings figures where the vendor shows them. Where a vendor does not publish a price, we wrote "See website" rather than guessing, since homeowners premiums depend on your home, location, coverage, and claims history. Companies were kept only if they are actively offered and usable for house insurance, not just similar in name. This article is general information, not insurance advice. Compare quotes, read policy terms, and check what is covered and excluded, especially for flood, earthquake, and wildfire, before choosing a policy.
Pick by what matters most to you
If you want an agent and a top app, start with State Farm. If you are military or eligible family, USAA is the clear winner. If bundle savings matter most, compare Liberty Mutual and Farmers, whose published bundle savings are the strongest here. If you want smart tools and climate risk insight, Allstate's app stands out. And if you want insurance plus financial services, Nationwide covers both. Get quotes from at least three companies, compare the same coverage limits and deductibles, check flood and disaster exclusions carefully, and ask about discounts for security systems, new roofs, and claims-free history. The cheapest quote is not always the best policy, so weigh claims service and financial strength alongside price.
Frequently asked questions
What is the best house insurance company?
State Farm is the best all-round choice, with 19,000 agents, 96 million plus policies, and a top-rated app. USAA is the best choice for military families, while Liberty Mutual and Farmers offer the strongest published bundle savings.
How much does house insurance cost?
It depends on your home's value, location, age, construction, coverage limits, deductible, and claims history, plus disaster exposure in your area. No company publishes a single price, so get quotes with the same coverage limits and deductibles to compare fairly.
Does homeowners insurance cover flood damage?
Usually not. Standard homeowners policies typically exclude flood damage, which is why USAA and others offer separate flood insurance. Check your policy's exclusions carefully, especially if you live near water or in a flood-prone area.
Should I bundle home and auto insurance?
Bundling often saves money: State Farm cites average household savings of $1,429, Liberty Mutual cites over $950 a year when bundling online, USAA offers up to 10 percent off home premiums, and Farmers cites up to $1,232. Compare the bundled price against separate policies to be sure.
Can military families get house insurance from USAA?
Yes, if you are a current military member, veteran who honorably served, National Guard or Reservist, contracted cadet or midshipman, eligible officer candidate, or spouse or child of a member. USAA membership can be shared with your spouse, kids, and then grandkids.
What should I check before choosing a house insurer?
Compare the same coverage limits and deductibles across quotes, check exclusions for flood, earthquake, and wildfire, ask about discounts for security systems and new roofs, and weigh claims service and financial strength alongside price. A free coverage review, such as Farmers offers, can reveal gaps in your current policy.
Sources we checked (0)
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.