The Best-Rated Home Insurance Companies Today

April 16, 2018

Owning a home is a lot of financial responsibility. What if disaster strikes? What would you do? If you don’t have proper home insurance, you could find yourself in financial ruin. That’s why one of the first steps you should take when you buy a home is find a property insurance company to help protect you.

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But, how do you choose among the home insurance companies available today? There are so many to choose from – which one offers the best service, price, and financial strength? We help you learn the answers below.

Best Overall Home Insurance Company

According to J.D. Power & Associates, Amica Mutual is the top overall home insurance company today. They provide the best prices, value, customer service, and claims process, receiving 5/5 stars for every category.

Other top insurance companies that made the cut include:

  • USAA
  • Shelter
  • Country Financial
  • Erie Insurance
  • State Farm

Best Offerings

When you shop for homeowner’s insurance, you want to know all of the policies available to you. Companies that only have a few offerings ranked low on the J.D. Power & Associates study, while those that offered more ranked high. Aside from Amica Mutual, the following companies have great offerings:

  • USAA
  • Shelter
  • Country Financial
  • Erie Insurance
  • State Farm
  • The Hartford
  • Allstate

Shopping with these companies will give you the most options, allowing you to decide what is right for your needs.

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Price

You can’t compare two insurance policies unless you have the same exact coverage. You want a company that will provide you the coverage you need at a price you can afford. The following companies offer a good value for the price based on the coverage they offer.

  • USAA
  • Shelter
  • Country Financial
  • Erie Insurance
  • Auto Club of Southern California Insurance Group
  • Mercury

Customer Interaction

While a key part of your homeowner’s insurance is to get the proper protection, you also want a home insurance company that will interact with you. This pertains not during times of processing a claim, but anytime you may have a question. Think of things like billing issues or changes you want to make to your policy. These are items you want processed fast and properly. The following companies, aside from Amica Mutual scored the highest in this category:

  • USAA
  • Shelter
  • Country Financial
  • Erie Insurance
  • State Farm

Processing Claims

Finally, you want a company that will handle your claim with ease if it comes down to it. You want a company that will hold your hold through the process, not just brush you off or pass you off to another representative. You want a company that will help you file the claim, send an adjustor quickly, and work with you on the repairs. The following companies rated high in this area:

  • USAA
  • Shelter
  • Cincinnati Insurance
  • Encompass
  • Country Financial
  • Erie Insurance

When you shop for a home insurance company, you must look at many factors other than just price. While you might choose one company because they have great prices, if they have poor claims service, you might want to think otherwise. You’ll have to figure out what is important to you and go from there. For example, you might pay a little more per month, but if you get great service, it could be worth it to you. This is a decision you should not take lightly as it protects the major investment you have in your home.

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