The best homeowners insurance companies should offer more than just affordable rates. They should also have a good reputation for customer service, a wide range of coverage options, and a history of financial stability.
In this blog post, we will list the best homeowners insurance companies of December 2022. We will also provide an overview of what each company offers and why they made our list.
Allstate
There are a lot of different things that go into finding the best homeowners insurance companies. You want to find a company that is going to be there for you when you need them the most, and that is why Allstate is our top pick for the best homeowners insurance company of December.
Allstate has been in business since 1931, and they have a long history of helping their customers through tough times.
Allstate is one of the largest insurers in the United States, and they have a wide network of agents and partners that can help you get the coverage you need. They offer a variety of different policy types, so you can find the one that fits your needs the best.
And, they have a great reputation for customer service, so you can be sure that you will be taken care of if you ever need to file a claim.
State Farm
As one of the largest and most well-known home insurance companies in the United States, State Farm has a long history of providing quality coverage to its policyholders.
In addition to offering standard homeowners insurance policies, State Farm also provides a variety of other coverage options, including flood insurance, windstorm insurance, and earthquake insurance.
State Farm is known for its excellent customer service, and its policyholders can rest assured that they will be taken care of in the event of a claim. The company is also known for its competitive rates, which makes it a great option for those looking to save money on their homeowner’s insurance.
GEICO
GEICO is one of the best homeowners insurance companies because it offers a variety of discounts and perks that make it a great choice for many people. For example, GEICO offers a discount for having multiple policies with them, as well as a discount for bundling your home and auto insurance together.
They also offer a wide range of coverage options so you can tailor your policy to meet your specific needs. And if you have any questions or need to file a claim, their customer service team is available 24/7 to help you.
USA
If you’re looking for a top-notch homeowners insurance company, USAA is a great choice. USAA consistently ranks highly in customer satisfaction surveys and boasts an A++ rating from AM Best.
USAA offers several different types of coverage, so you can choose the level of protection that’s right for you. And if you have other insurance needs, such as auto or life insurance, you can bundle your policies with USAA for even more savings.
You’ll need to be a military service member or be closely related to one to qualify for USAA homeowners insurance, but it’s worth checking out if you are.
Chubb
Chubb is a great choice when it comes to high-end home insurance. Chubb boasts an A++ rating from AM Best, and its customer service is top-notch. In addition, they offer more than just homeowners insurance — they offer auto, life, and business insurance as well. So if you need additional coverage, Chubb can help.
When it comes to pricing, Chubb is on the higher end of the spectrum. But with their excellent coverage and outstanding reputation, we think it’s worth the cost.
Amica Mutual Insurance Company
Amica Mutual is one of the oldest operating insurance companies in the United States they’ve been around since 1907! But even with over 100 years of experience in the industry, Amica still offers excellent customer service and superior protection for its customers.
And with an A+ rating from AM Best, you can rest assured that your assets are in good hands with Amica Homeowners Insurance Company.
Progressive
There are a few things to consider when looking for the best homeowners insurance companies. The first is whether or not the company offers a progressive policy.
A progressive policy is one that offers discounts for certain safety features, such as smoke detectors and fire extinguishers. Some companies also offer discounts for installing security systems.
Another thing to consider is the company’s financial stability. The last thing you want is to have your home insurance claim denied because the company is insolvent. Make sure to research the company’s financial health before selecting a policy.
Finally, make sure to read the fine print of any policy you’re considering. Some policies have exclusions that could leave you vulnerable in the event of a disaster. For example, many policies exclude flooding damage. If you live in an area at risk for floods, make sure to get supplemental coverage.
How to compare homeowners insurance companies
If you’re shopping for homeowners insurance, it’s important to compare companies before buying a policy.
Here are a few tips on how to compare homeowners insurance companies:
1. Look at the financial strength of the company. You can find this information on rating sites like A.M. Best or Standard & Poors.
2. Make sure the company offers the coverage you need. For example, if you live in an area prone to hurricanes, make sure the company offers hurricane insurance.
3. Get quotes from multiple companies and compare them side-by-side. Be sure to compare apples to apples, meaning that you’re comparing similar coverage levels from each company.
4. Read reviews from other customers. Customer reviews can be helpful in getting a sense of how responsive and helpful the company is when it comes to claims and customer service.
