Best Rated Home Insurance Providers 

What is the first thing you do when you buy a new house? Get home insurance. Even if having home insurance might not be legally required in your state, it is always a good idea to be covered in case financial devastation occurs.

If you are a first-time home insurance buyer, chances are you have a lot of questions. We understand that one of the most important factors to take into consideration while choosing the right insurance provider is the cost. To help make this process easier, we have curated a list of the top 3 home insurance providers in the market based on coverage options, average premiums offered, customer satisfaction, discounts offered and ease of application:

Allstate

One of the best home insurance providers in the country, Allstate offers its customers a simple and straightforward insurance experience and helps policyholders navigate coverage and claims. 

With premiums for a $250,000 home being in line with the national average, Allstate focuses on providing good customer service as well as educational resources to help first-time buyers navigate their way through a homeowner’s insurance buying process.

Besides the standard coverage offerings, Allstate also provides extra coverage and several unique coverage options based on the customer’s requirements like the Claim Rateguard feature, which prevents your premium from increasing from one claim every five years.

Amica Mutual

Amica Mutual is the perfect fit for homeowners who are looking for home insurance that focuses on ease of use and good customer service. Known for their claims service, Amica received the highest rating in the 2020 J.D. Power U.S. Property Claims Satisfaction Study, for the ninth year in a row.

Along with a robust online customer service that enables policyholders to create online accounts, pay their bills, file claims and more as per their convenience, Amica also offers unique features like its Contractor Connection service that connects policyholders in need of home repairs with licensed contractors. 

Chubb

If you own a luxury or high-value home, Chubb’s specialized homeowner’s insurance policies are the way to go. Dating back to the 1700s, Chubb offers a long-standing track record of excellence. 

Chubb’s Masterpiece homeowners insurance policy is tailor-made for high-value homes and comes with risk consultation where a trained risk consultant evaluates your home’s unique features, accurately determines its rebuilding cost, and advises you on fire prevention and home security.