Best (and Worst) Homeowners Insurance Companies

To determine the top-rated ones, Consumer Reports surveyed almost 24,000 policyholders about coverage, premiums, and other vital factors. Just three earned our recommendation.

By Lisa L. Gill
Investigative Reporter

Updated September 25, 2025

A photo illustration of a large umbrella covering a home protecting it from the rain. — The best homeowners insurance companies offer financial protection for weather events, break-ins, lawsuits, and other perils, plus a top-notch customer experience.

Homeowners insurance is complicated, usually expensive, and required by most mortgage lenders. How do you pick an insurer with coverage that’s worth the price? To help homeowners choose, we rated 28 providers. Among them, just three ranked high enough to earn Consumer Reports’ recommendation.

If you’ve received a homeowners insurance policy renewal lately, your new rate may have taken your breath away.

A 2025 report by the Consumer Federation of America found that home insurance premiums increased by an average of 24 percent over the past three years. And a 2024 CR nationally representative survey (PDF) of 2,146 U.S. adults found that 83 percent of homeowners who had the same insurer for at least five years saw their rates go up. Of those, about 1 in 10 said they jumped 50 percent or more.

This, says CR policy advocate Chuck Bell, is the new normal.

Experts point to multiple culprits, including 40 percent inflation in the cost of construction labor and materials, a significant rise in the number of natural disasters in the U.S. over the past decade, and a steep increase in the cost of reinsurance, which insurance companies buy to cover their own risks. All of these rising costs get passed on to you. But rocketing premiums aren’t even the worst-case scenario sometimes. Many homeowners are losing coverage entirely as insurers across the U.S. aggressively cancel policies or leave certain markets altogether. Allstate and State Farm, for example, have stopped writing new policies in California, and Farmers and Progressive have done the same in Florida.

Whether because of rate hikes or cancellations, many homeowners are suddenly being forced to shop around. And that’s where CR’s homeowners insurance ratings can help.

To identify the best and worst insurers, our national survey recorded responses from 23,917 policyholders in the U.S., who reported on 26,936 experiences with insurance companies. Our ratings reflect their satisfaction with the cost of premiums, the claims process, the service they received for non-claims-related matters, the quality of available help and advice in choosing a policy, the clarity of the policy, the quality of coverage, the thoroughness of their policy review, and the usefulness of the company’s website and mobile app. Our analysis of the results revealed the best insurance companies for most U.S. policyholders, which we’ve ranked by Overall Score.

Our results include some of the biggest companies in the U.S., such as Allstate, Farmers, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA. We also considered lesser-known, smaller, and regional companies.

Among the 28 companies we rated, three winners emerged, earning Consumer Reports’ recommendation.

Below, CR members can learn about these companies, including what states they serve, how their service excels, available discounts, and what policyholders have to say about them.

CR members can also access our complete list of ratings for homeowners insurance companies.

Become a member to read the full article and get access to digital ratings.

We investigate, research, and test so you can choose with confidence.

Lisa L. Gill

Lisa L. Gill is an award-winning investigative reporter. She has been at Consumer Reports since 2008, covering health and food safety—heavy metals in the food supply and foodborne illness—plus healthcare and prescription drug costs, medical debt, and credit scores. Lisa also testified before Congress and the Food and Drug Administration about her work on drug costs and drug safety. She lives in a DIY tiny home, where she gardens during the day and stargazes the Milky Way at night.