6 Best Home Insurance Companies of March 2024

Chubb, NJM and Country Financial earned the highest ratings in NerdWallet’s analysis. Compare top-rated companies now.

Your home is one of your largest and most meaningful investments, so choosing the best homeowners insurance available to you makes sense. Naturally, you’ll want a good price — but you also want the right mix of coverage from a company that can afford to pay your claim if disaster strikes. Reliable customer service is a plus, too.

To narrow down our list of the best homeowners insurance companies, we looked at customer complaint data, consumer experience and financial strength. We also assessed each insurer’s coverage options and discounts.

Based on these factors, here are our top home insurance companies for 2024.

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The best home insurance companies of 2024

All of the home insurance companies listed below scored 5 out of 5 stars. Hundreds of insurers compete for your business, often selling very similar products, so it’s smart to compare home insurance quotes from a few before making a decision.

Best homeowners insurance companies: Pros and cons

Below are the companies that earned a perfect 5-star rating under NerdWallet’s scoring system. Learn more about our top home insurance companies by reading the brief summaries below and checking out our comprehensive reviews.

Amica: Best for customer satisfaction

Company overview: Amica home insurance offers the standard coverage you’d expect along with strong customer service. Amica draws far fewer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners.

Those looking for extra coverage can select Amica’s Platinum Choice package, with perks like extended dwelling coverage, higher liability limits and coverage for damage due to backed-up drains or overflowing sump pumps.

Amica offers a program called Contractor Connection, which helps pair customers with licensed and insured contractors.

The company also has discounts for:

  • Staying with an insurer for at least two years.
  • Insuring a new or remodeled home.
  • Receiving bills electronically and paying automatically each month.States served: Connecticut, Illinois, Maine, Massachusetts, New Hampshire, New Jersey, New York and Rhode Island. Company overview: Andover Companies stands out for its generous coverage. Most homeowners are eligible for guaranteed replacement coverage on the structure of their home. That means the company will pay what it takes to rebuild the house if it’s destroyed by a covered disaster, even if your coverage limit isn’t high enough.Andover also offers replacement cost coverage on your personal belongings, which ensures you’ll get more for stolen or destroyed items than you would if you had actual cash value coverage. Andover’s coverage comes with strong customer service, too. It draws far fewer consumer complaints than expected for a company of its size, according to the NAIC.

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