Best Homeowners Insurance - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Homeowners insurance in the United States costs an estimated $103/month with Auto-Owners Insurance, $101/month with Erie Insurance, $106/month with State Farm, $106/month with American Family, and $95/month with USAA, according to MonitorBankRates estimates built from U.S. Census Bureau and NAIC cost data and each carrier’s typical price positioning. Ratings and full estimates for every major carrier are below.
Our proprietary MBR Home Insurance Burden Index measures how hard insurance costs hit local incomes and home values against a national baseline of 100: Louisiana carries the heaviest burden at 202.2, Utah the lightest at 57.8.
Figures reflect the most recent official NAIC and U.S. Census Bureau data available. Your actual premium depends on your home’s location, construction, claims history, coverage limits, and deductible. Last Updated and Verified: August 29, 2026
Best Homeowners Insurance Companies
The top-rated homeowners insurance companies in the U.S., ranked by the MonitorBankRates Carrier Rating—our independent score built from NAIC consumer complaint data (40%), price competitiveness (25%), AM Best financial strength (20%), and J.D. Power customer satisfaction scores (15%). Estimated monthly costs are MonitorBankRates estimates derived from the national median of $112/month (U.S. Census Bureau/NAIC) adjusted for each carrier’s typical price positioning—planning figures, not quotes.
| # | Company | MonitorBankRates Rating | Est. Cost/mo* | AM Best | NAIC Complaints |
|---|---|---|---|---|---|
| 1 | USAA | 5.0/5.0 | $95/mo | A++ | Far fewer complaints than expected |
| Best for: Military families and veterans (Military members, veterans, and eligible family only) · Pros: Highest J.D. Power satisfaction score in the study (not rank-eligible); replacement cost coverage standard; rates typically below market median. · Cons: Membership restricted to the military community; few local branch offices. | |||||
| 2 | State Farm | 4.6/5.0 | $106/mo | A++ | Fewer complaints than expected |
| Best for: Overall value and local agent network · Pros: Largest U.S. home insurer; extensive local agent network; competitive rates; strong bundling discounts with auto. · Cons: Coverage options and endorsements less flexible than some rivals; no flood coverage (NFIP referral only). | |||||
| 3 | Auto-Owners Insurance | 4.6/5.0 | $103/mo | A++ | Far fewer complaints than expected |
| Best for: Customizable coverage through independent agents · Pros: A++ financial strength; flexible endorsements; sold through independent agents who can compare options. · Cons: Available in about half of states; quotes only through agents, limited online tools. | |||||
| 4 | Erie Insurance | 4.6/5.0 | $101/mo | A+ | Far fewer complaints than expected |
| Best for: Service quality where available · Pros: Guaranteed replacement cost available; consistently low complaint volume; top-3 J.D. Power satisfaction; strong local agent support. · Cons: Only writes policies in 12 states plus D.C.; digital tools more limited than national carriers. | |||||
| 5 | Amica | 4.6/5.0 | $118/mo | A+ | Far fewer complaints than expected |
| Best for: Claims satisfaction and dividend policies · Pros: #1 in the J.D. Power 2025 Home Insurance Study; dividend policies can return part of the premium; strong customer service. · Cons: Premiums often above median; no local agents (direct writer). | |||||
| 6 | American Family | 4.4/5.0 | $106/mo | A | Far fewer complaints than expected |
| Best for: Midwest and Western homeowners · Pros: Low complaint volume; diminishing deductible and matching-siding coverage available; strong bundling discounts. · Cons: Writes homeowners policies in only 19 states; A (not A+/A++) financial strength rating. | |||||
| 7 | Chubb | 4.4/5.0 | $151/mo | A++ | Far fewer complaints than expected |
| Best for: High-value homes · Pros: Extended replacement cost and cash-settlement options; #2 in J.D. Power satisfaction; very low complaint volume. · Cons: Built for higher-value homes; premiums well above median for standard houses. | |||||
| 8 | Travelers | 4.3/5.0 | $110/mo | A++ | Fewer complaints than expected |
| Best for: Green home and roof coverage options · Pros: A++ financial strength; green rebuilding endorsement; broad discount menu including smart-home devices. · Cons: Below-average J.D. Power satisfaction score; some coverage varies by state. | |||||
| 9 | Nationwide | 4.3/5.0 | $112/mo | A+ | Fewer complaints than expected |
| Best for: Better Roof Replacement and ordinance coverage · Pros: Better Roof Replacement endorsement rebuilds with stronger materials; ordinance/law coverage standard on many policies. · Cons: Has pulled back capacity in some catastrophe-exposed markets; average premiums near or above median. | |||||
| 10 | Allstate | 3.9/5.0 | $112/mo | A+ | About as expected |
| Best for: Add-on endorsements and flood options · Pros: Wide endorsement menu (water backup, identity theft, yard coverage); private flood insurance available; large agent network. · Cons: Complaint volume runs slightly above the industry-expected level; rates vary widely by region. | |||||
| 11 | Farmers Insurance | 3.8/5.0 | $123/mo | A | About as expected |
| Best for: Tiered coverage packages · Pros: Three clear package tiers make comparison simple; claim forgiveness and declining deductibles available. · Cons: Premiums frequently above market median; has reduced presence in some high-risk states. | |||||
| 12 | Progressive Home | 3.8/5.0 | $114/mo | A+ | More complaints than expected |
| Best for: Bundling home with Progressive auto · Pros: Strong auto-bundle discounts; policies written through in-house and partner carriers for flexibility. · Cons: Home policies serviced by multiple underwriting partners, so experience varies; above-average complaint volume. | |||||
| 13 | Liberty Mutual | 3.3/5.0 | $123/mo | A | Far more complaints than expected |
| Best for: Online quoting and discounts · Pros: Fast online quotes; wide discount list including new-roof and claims-free discounts. · Cons: Complaint index runs well above the industry-expected level; premiums often above median. | |||||
MonitorBankRates Rating methodology: MonitorBankRates examined consumer complaints reported to state insurance regulators and published by the National Association of Insurance Commissioners (NAIC). The NAIC calculates a complaint index for each insurer measuring its share of total complaints relative to its share of premiums; an index of 1.0 means a company's complaint volume matches its market size, and lower is better. MonitorBankRates weights each group's homeowners-line complaint index across its subsidiaries (40% of the rating), then combines it with price competitiveness computed from state insurance department premium surveys where published, otherwise the carrier's typical published national price positioning (25%), AM Best Financial Strength Ratings (20%), and overall satisfaction scores from the J.D. Power 2025 U.S. Home Insurance Study on its 1,000-point scale (15%). MonitorBankRates conducts this analysis independently, without endorsement by the NAIC, AM Best, or J.D. Power. *Estimated monthly costs are MonitorBankRates estimates: the national median insurance cost adjusted by each carrier's typical published price positioning. Your actual quote depends on your home, location, and coverage choices.
Today’s True Monthly Cost of Owning a U.S. Home
Principal & interest at today’s national average mortgage rate from our monitored lender network, plus Census property taxes and insurance. Updated daily.
What Homeowners Insurance Costs in the U.S.
Official figures from the National Association of Insurance Commissioners and the U.S. Census Bureau.
Homeowners with a mortgage report a median of $1,450/yr in property insurance costs, versus $1,173/yr for owners without a mortgage, lenders require full replacement-cost coverage, which pushes premiums up. Source: U.S. Census Bureau, 2024 ACS 1-Year Estimates.
Average Homeowners Insurance Cost by State
Where you live is the single biggest factor in what you pay. Hurricane-exposed Gulf and Atlantic states, and hail-prone Plains states, cost two to three times more than the Pacific Northwest or the Great Lakes. The table combines the NAIC regulator-reported average premium with the median cost homeowners actually report to the Census Bureau, plus each state’s cost per $1,000 of home value, the cleanest way to compare insurance burden across states with very different home prices.
Cheapest & Most Expensive States for Home Insurance
Least Expensive States
Low catastrophe exposure, minimal hurricane, hail, and wildfire risk, keeps premiums down in these markets.
How Insurance Fits Into the Cost of Owning a Home
For most buyers, homeowners insurance is the third-largest recurring cost of ownership after the mortgage payment and property taxes, and unlike a fixed-rate mortgage payment, it rises over time. Because most lenders escrow insurance with the monthly payment, a premium increase at renewal flows straight into a higher total monthly housing cost, even when the underlying loan rate never changes.
Premiums have also been rising faster than general inflation in much of the country, driven by higher rebuilding costs, reinsurance prices, and losses from hurricanes, hail, and wildfire. That makes shopping your policy at every renewal, not just when you buy the house, one of the highest-value financial habits a homeowner can build. Pair this page’s official benchmarks with live quotes to see whether your current carrier is still competitive.
Data sources: NAIC average premiums; U.S. Census Bureau (income, owner costs, property insurance costs); U.S. Bureau of Labor Statistics (CPI).
What Determines Your Homeowners Insurance Premium
Insurers price a policy on the expected cost of rebuilding your specific house and the probability of a claim at your specific address. These are the factors that move the number most.
Location & Catastrophe Exposure
The largest factor by far. Hurricane wind zones along the Gulf and Atlantic coasts, hail alleys in the southern Plains, tornado corridors, and wildfire-urban interface areas in the West can each double or triple a premium versus a low-risk address. Distance to a fire station and hydrant, and even roof-to-tree proximity, feed the model.
Rebuilding Cost, Not Market Value
Your dwelling coverage limit is based on the cost to rebuild the house, materials and labor, not what it would sell for. Construction inflation since 2020 has pushed replacement costs up sharply, which is a major reason premiums have climbed even for homeowners who never filed a claim.
Roof Age & Construction Type
The roof is the most claim-prone component of a house. Many carriers surcharge or decline roofs older than 15-20 years, and some now pay only actual cash value on older roofs. Masonry construction, hurricane straps, impact-rated shingles, and storm shutters all earn discounts in exposed states.
Deductible & Coverage Choices
Raising an all-peril deductible from $1,000 to $2,500 typically cuts the premium meaningfully. In coastal states, separate hurricane or wind/hail deductibles, often 1%-5% of the dwelling limit, shift more storm risk to you in exchange for a lower base premium.
Claims History & Insurance Score
Prior claims, yours and the property’s, follow you through the CLUE database for up to seven years. In most states, insurers also use a credit-based insurance score; maintaining strong credit can measurably lower your premium where the practice is allowed.
What Standard Policies Exclude
Flood and earthquake are excluded from standard homeowners policies everywhere. Flood coverage comes from the National Flood Insurance Program (NFIP) or private flood carriers; earthquake coverage from endorsements or state programs like the California Earthquake Authority. Budget for these separately if you are exposed.
How to Find the Best Homeowners Insurance
There is no single best homeowners insurance company for everyone. Carriers weight roof age, construction, catastrophe exposure, and claims history differently, so the carrier with the best rate on your neighbor’s house may quote yours hundreds of dollars higher. The best homeowners insurance for your home is found by comparing—not by choosing a brand on reputation alone. A practical process:
1. Get 3–5 Quotes for Identical Coverage
Match dwelling limit, deductible, and endorsements across every quote so you are comparing price alone. The cheapest quote for stripped-down coverage is not the best policy—it is just the cheapest.
2. Check Financial Strength & Complaints
The best carriers pay claims promptly after a widespread disaster. Check AM Best financial strength ratings and the NAIC complaint index (1.0 is average; lower is better) before buying on price.
3. Verify Replacement-Cost Coverage
Confirm the policy pays full replacement cost on the dwelling and, ideally, the roof. Actual-cash-value roof coverage is a common way cheap policies underdeliver at claim time.
4. Stack Discounts & Re-Shop at Renewal
Bundle home and auto, document mitigation upgrades, and raise the deductible to what you could comfortably absorb. Then re-shop every renewal—the best homeowners insurance rate this year may come from a different carrier next year.
Types of Homeowners Insurance Policies
Policies follow standardized "HO" forms. Knowing which form you are quoted is essential when comparing carriers, a cheaper quote is often a thinner form.
HO-3, Special Form (Most Common)
The standard for single-family homes: the dwelling is covered on an "open perils" basis (everything except listed exclusions), while personal property is covered on a named-perils basis. Roughly four in five owner-occupied policies are HO-3s, and the NAIC average premiums on this page are based on this form.
HO-5, Comprehensive Form
The premium tier: open-perils coverage on both the dwelling and personal property, usually with replacement-cost contents coverage and higher special limits. It typically costs modestly more than an HO-3 and is worth comparing for newer, well-maintained homes.
HO-6, Condo Insurance
Covers a condo unit’s interior ("walls-in"), personal property, liability, and loss assessment from the association’s master policy deductible. Matching the HO-6 dwelling limit to the association’s master-policy type (bare walls vs. all-in) is the key sizing decision.
HO-4, Renters Insurance
Personal property, liability, and loss-of-use coverage for tenants, the landlord’s policy covers the building itself. Renters policies are inexpensive relative to homeowners coverage and are increasingly required by landlords.
Flood Insurance, NFIP & Private
Sold separately from homeowners insurance. The FEMA-run National Flood Insurance Program caps building coverage at $250,000 for residential structures; private flood carriers can go higher. Lenders require flood coverage in FEMA high-risk zones, but flooding routinely damages homes outside mapped zones too.
Windstorm & FAIR Plan Coverage
In high-risk coastal areas, wind coverage is sometimes carved out of the standard policy and written through a state windstorm pool (such as TWIA in Texas). Homeowners declined by the standard market entirely can turn to their state’s FAIR plan, see the state programs section below.
FAIR Plans: Insurance for Homes the Market Won’t Cover
If your home is considered too high-risk for standard carriers, because of wildfire exposure, coastal wind risk, age, or claims history, you may still be able to get coverage through your state’s FAIR (Fair Access to Insurance Requirements) plan, a state-mandated insurer of last resort. 35 states plus the District of Columbia operate a FAIR plan or an equivalent program. To qualify, you generally must show you were unable to obtain coverage in the standard market. Because these plans are intended as a last resort, coverage is more limited, often fire and named perils only, and pricing is typically higher than a standard policy.
As carriers have pulled back from catastrophe-exposed regions, FAIR plans have grown from an afterthought into a central part of several state markets, and states are actively managing that growth with "depopulation" programs that move policies back to private insurers. Each of our state pages covers the local program in detail; the largest are below.
Citizens Property Insurance Corporation
Citizens is Florida's state-created insurer of last resort and at times one of the largest property insurers in the state; Florida is actively "depopulating" Citizens by moving policies back to private carriers, and applicants must show they could not obtain comparable private coverage.
Florida Insurance GuideCalifornia FAIR Plan
The California FAIR Plan has grown rapidly as carriers pulled back from wildfire-exposed areas; it covers fire and smoke, and most policyholders pair it with a separate "difference in conditions" policy for liability and water damage.
California Insurance GuideTexas FAIR Plan Association
Texas runs two residual programs: the Texas FAIR Plan for homeowners declined statewide, and TWIA, which writes wind and hail coverage for 14 coastal counties and part of Harris County.
Separate wind pool: Texas Windstorm Insurance Association (TWIA)
Texas Insurance GuideLouisiana Citizens Property Insurance Corporation
Louisiana Citizens is the state's insurer of last resort; by law its rates must exceed the market average, and the state runs regular depopulation rounds to shift policies to private carriers.
Louisiana Insurance GuideSources: State insurance departments and individual plan associations; Insurance Information Institute. FAIR plan availability and terms change, confirm details with your state’s Department of Insurance.
Homeowners Insurance Cost Estimator
Estimate a ballpark annual premium from your state’s average cost per $1,000 of home value. This is a benchmarking tool built on NAIC and Census data, actual quotes depend on your home’s construction, roof, claims history, and coverage choices.
Estimate only, benchmarks derived from NAIC state average premiums and Census median home values. It is not a quote and excludes flood, earthquake, and windstorm-pool surcharges. Use the quote tool at the top of this page for real pricing.
How Homeowners Insurance Works
A homeowners insurance policy is a contract that pays to repair or rebuild your home and replace your belongings after a covered loss, and defends you against liability claims if someone is injured on your property. You pay an annual premium; when a covered loss occurs, the insurer pays the claim above your deductible up to your coverage limits. Because a mortgaged home is the lender’s collateral, insurance is effectively mandatory for the roughly two-thirds of buyers who finance their purchase.
The Six Coverages in a Standard Policy
Standard HO-3 policies bundle six coverages: Coverage A (dwelling, the structure itself), Coverage B (other structures such as fences and detached garages, usually 10% of A), Coverage C (personal property, usually 50-70% of A), Coverage D (loss of use, hotel and living costs while the home is uninhabitable), Coverage E (personal liability, commonly $100,000-$500,000), and Coverage F (medical payments to guests). Getting Coverage A right, set to full rebuilding cost, ideally with extended replacement cost of 25-50%, matters more than any other policy decision.
How Insurance Interacts With Your Mortgage
Most lenders collect one-twelfth of your annual premium with each mortgage payment and pay the insurer from an escrow account. When your premium rises at renewal, your servicer recalculates the escrow and your total monthly payment goes up, sometimes with an added shortfall payment for the months already collected at the old rate. If your insurance lapses, the lender will buy force-placed coverage on your behalf: it protects only the lender’s interest, excludes your belongings and liability, and typically costs several times more than a policy you choose.
Replacement Cost vs. Actual Cash Value
A replacement cost policy pays what it costs to rebuild or replace with new materials of like kind and quality. An actual cash value (ACV) policy deducts depreciation, a 15-year-old roof might be reimbursed at a fraction of its replacement price. ACV policies and roof-specific ACV endorsements carry lower premiums, but they shift real money onto you at claim time; know which basis applies to your dwelling, your roof, and your contents before you buy on price.
How to Lower Your Premium
The proven levers, roughly in order of impact: shop 3-5 carriers at every renewal (loyalty is routinely penalized through "price optimization"); raise your deductible to the highest level you could comfortably pay overnight; bundle home and auto for a multi-policy discount; upgrade the roof and document wind-mitigation features; avoid small claims that cost more in surcharges than they pay out; and maintain strong credit in states that permit credit-based insurance scoring. In hard-to-insure areas, an independent agent who can access surplus lines markets, and your state’s FAIR plan as a backstop, keeps you covered while you improve the risk.
Bundling Home and Car Insurance in the U.S.
Most carriers advertise a discount for keeping both policies in one place. No regulator publishes a verified figure for how large that discount is—NAIC premium data reports what people actually paid, with any discount already applied and inseparable from the rest of the price. What can be established from public data is which carriers write both lines here, what each line costs, and how a carrier’s complaint record on one line compares with the other.
The combined figure covers one home and one insured vehicle. NAIC reports auto premiums per insured vehicle, so a two-car household in the U.S. would run closer to $3,927 per year.
12 Carriers Write Both Home and Auto in the U.S.
You can only bundle with a carrier that writes both lines. Ratings are the MonitorBankRates Carrier Rating for each line separately—they are scored on different studies and are not interchangeable.
| Company | Home rating | Auto rating | Home complaints | Auto complaints |
|---|---|---|---|---|
| USAA Eligibility restricted | 5.0 | 4.7 | Far fewer complaints than expected | Fewer complaints than expected |
| Erie Insurance | 4.6 | 4.8 | Far fewer complaints than expected | Far fewer complaints than expected |
| Amica | 4.6 | 4.6 | Far fewer complaints than expected | Far fewer complaints than expected |
| Auto-Owners Insurance | 4.6 | 4.6 | Far fewer complaints than expected | Fewer complaints than expected |
| State Farm | 4.6 | 4.6 | Fewer complaints than expected | Fewer complaints than expected |
| Travelers | 4.3 | 4.5 | Fewer complaints than expected | Far fewer complaints than expected |
| American Family | 4.4 | 4.3 | Far fewer complaints than expected | Far fewer complaints than expected |
| Nationwide | 4.3 | 4.2 | Fewer complaints than expected | Fewer complaints than expected |
| Allstate | 3.9 | 4.0 | About as expected | Fewer complaints than expected |
| Progressive | 3.8 | 4.1 | More complaints than expected | About as expected |
| Farmers Insurance | 3.8 | 3.8 | About as expected | Fewer complaints than expected |
| Liberty Mutual | 3.3 | 3.7 | Far more complaints than expected | More complaints than expected |
Chubb writes homeowners coverage in the U.S. but not auto. NJM Insurance, GEICO, Mercury Insurance write auto but not homeowners. Bundling is not an option with those carriers, whatever discount they advertise on their other lines.
Where a carrier’s two records disagree
A discount is worth less than a clean claims experience on the policy you are more likely to use. These carriers land in different NAIC complaint bands on their two lines—1.00 is the level expected given premium volume, so higher is worse:
- USAA—homeowners 0.45 (far fewer complaints than expected), auto 0.68 (fewer complaints than expected).
- Allstate—homeowners 1.10 (about as expected), auto 0.90 (fewer complaints than expected).
- Progressive—homeowners 1.20 (more complaints than expected), auto 0.95 (about as expected).
- Liberty Mutual—homeowners 1.51 (far more complaints than expected), auto 1.20 (more complaints than expected).
Source: NAIC complaint index data. A gap in either direction is a reason to price the two policies separately before accepting a bundle.
How to check what bundling is actually worth to you
- Pick three carriers from the table above that write both lines in the U.S..
- Get a standalone quote for each policy, with identical coverage limits and deductibles at every carrier.
- Then ask for the bundled price at the same three carriers, same limits.
- Compare the bundled total against the cheapest standalone combination you found—they are frequently not the same carrier.
- Before deciding, check both complaint records above and each carrier’s AM Best rating.
The NAIC’s own consumer guidance lists insuring your home and car with the same company as a discount to ask about—it publishes no figure for what it is worth, and neither do we.
Methodology & Data Sources
Government & Regulator Data, Not Advertiser Data: The cost figures on this page come exclusively from official sources: the National Association of Insurance Commissioners (NAIC), which publishes average premiums by state from regulator filings, and the U.S. Census Bureau American Community Survey, which reports the annual property insurance costs that homeowners actually pay.
NAIC Average Premiums: State averages reflect the HO-3 owner-occupied policy form, the most common homeowners policy, for the most recent year the NAIC has published (2021). NAIC data lags the current market by roughly two years; where premiums have risen since, the figures shown are a conservative floor.
Census Property Insurance Costs: The Census Bureau’s American Community Survey asks homeowners directly what they pay each year for property insurance. We present medians from the 2024 ACS 1-Year Estimates at the national and state level, and city-level medians on our local pages, the freshest official measure of what real households pay.
State FAIR Plan Information: Insurer-of-last-resort program details are compiled from state Departments of Insurance, the individual plan associations, and the Insurance Information Institute, and are reviewed for changes as states reform their residual markets.
Live MonitorBankRates Lender Data: The mortgage rate powering the "True Monthly Cost" figure is proprietary MonitorBankRates data. Our systems track rates directly from the official websites of over 8,000 banks and credit unions; the national average is computed nightly across every verified lender rate in our monitoring network and refreshed on this page daily.
MBR Home Insurance Burden Index: Our proprietary MBR-HIBI score compares each state's insurance costs against local incomes and home values, with 100 representing the national baseline: insurance cost as a share of median household income (50% weight), cost per $1,000 of home value (30%), and the share of owners paying $4,000 or more per year (20%). All inputs are U.S. Census Bureau data; the full methodology and all-state rankings are published on our Home Insurance Burden Index page.
A Note on the Quote Tool: The insurance quote comparison widget on this page is provided by a third-party advertising partner, and we may receive compensation when you use it. It is clearly separated from our data content, and advertiser relationships have no influence on the government figures presented here.
Update Cadence: Census figures are refreshed with each annual ACS release, NAIC averages when the next report is published, CPI monthly, and FAIR plan details as programs change. Every figure’s source and vintage is labeled where it appears.
Frequently Asked Questions about Homeowners Insurance
Which states have the most expensive homeowners insurance?
Which states have the cheapest homeowners insurance?
What does homeowners insurance cover?
Why do banks require homeowners insurance?
Is homeowners insurance included in my mortgage payment?
What is a FAIR plan?
Does homeowners insurance cover flood damage?
Who has the best homeowners insurance?
How can I lower my homeowners insurance premium?
How is the cost of homeowners insurance set?
What percentage of income goes to homeowners insurance?
How much is homeowners insurance per $1,000 of home value?
Do homeowners with a mortgage pay more for insurance?
Can I bundle home and car insurance in the U.S.?
How much does home and car insurance cost together in the U.S.?
How much do you save bundling home and auto insurance?
Is it always better to bundle home and car insurance?
Most Expensive States for Home Insurance
- Colorado: $2,178/yr
- Florida: $2,147/yr
- Nebraska: $2,052/yr
- Texas: $2,005/yr
- Oklahoma: $1,984/yr
Homeowners Insurance by State
