Best Homeowners Insurance Companies in Consumer Reports' New Ratings

Our exclusive finding will help you find a company that provides coverage that's top-notch and well-priced

Storm damage iStock-119162012

That rash of severe weather in recent months, including 70-mph winds in Dallas on Sunday that destroyed an apartment building, killing one person and injuring five, might have you wondering whether you are properly covered by your homeowners insurance.

How do you find the best homeowners insurance company—one that can handle your claim quickly and capably, and pay out what you think you deserve?

To identify the best homeowners insurance companies, we surveyed 81,523 Consumer Reports members about their experiences. Of those, 6,940 told us about claims they'd filed with their carrier in the previous 3½ years. Their responses informed our ratings of 14 carriers, including (here in alphabetical order) Allstate, Amica, Farmers, State Farm, and USAA.

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Four insurers top our latest homeowners insurance ratings. They each earned high marks for estimates of the cost of damages, timely payments, agent courtesy and professionalism, and ease of reaching an agent.

Two of these carriers—both mutual companies owned by their policyholders—excelled in every category we asked about in our survey, including prompt response and attentiveness, and simplicity of the process.

Consumer Reports members can read on to see which companies topped our ratings.

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.