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

A fallen tree on the roof of a house.

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.

More on Homeowners Insurance

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.
 

Amica Insurance, based in Lincoln, R.I., offers home insurance coverage in every state except Alaska and Hawaii. Amica employees both sell and service the company's policies, which means customers have to contact Amica directly rather than go through an independent agent.

USAA, headquartered in San Antonio, Texas, is sold in every state and the District of Columbia. USAA, which stands for United Services Automobile Association, serves only people with direct ties to the U.S. military—members of the armed forces and their families, honorably discharged veterans, and descendants of USAA customers. Like Amica, it uses its own employees to sell and service policies.

The other two insurers rated among the top performers are:
Auto-Owners Insurance, based in Lansing, Mich., is another mutual insurer. It operates in 26 states, including all of the Midwest. It uses independent agents for its sales.

Erie Insurance, in Erie, Pa., is the only publicly held insurer among those rated in our top tier. It operates in 13 states, all east of the Mississippi. It uses independent agents as well.

These four companies have a track record of excellence. They were among the highest rated when CR last surveyed members about homeowners insurance in 2016.