Top rated homeowners insurance lists rank carriers the ranker was paid by, so this site publishes none. The best house insurance companies for your house are found from four things you can check: the carrier's financial strength rating, its complaint ratio at your state's insurance department, the rates it has filed for your situation, and how its policy settles a roof or contents claim. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
The best insurance company for homeowners insurance: financial strength first
A carrier's rating from the agencies that assess insurers tells you whether it can pay a regional catastrophe's claims. The best insurance company for homeowners insurance in a hurricane or wildfire state is one that will still be solvent after the season, and the rating is public.
The best companies for home insurance by complaint ratio
State insurance departments and the NAIC publish complaint counts relative to premium written. A carrier with a low ratio in your state settles claims without argument more often; the best companies for home insurance in one state are not always the best in another, because the ratio is per state.
Filed rates for your situation
The rate pages on this site show what each carrier has filed in your state by coverage and situation. A top rated carrier that does not write your roof age or your zip code is not top rated for you. The III reports that 5.5 percent of insured homes had a claim in 2022, so most policy years end with nothing paid out and the price is paid for the year something is.
How the policy settles a claim
Replacement cost or actual cash value on the roof and contents, the wind deductible, water backup, ordinance or law: the declarations page decides what top rated means on the day it matters. The filed rates on this site show how carriers price this where you live, and quotes taken on the same limits and deductible are the only fair comparison.
Questions people ask about top rated homeowners insurance
Who has the top rated homeowners insurance?
This site publishes no ranking. Judge financial strength, the complaint ratio in your state, filed rates for your situation and the settlement terms.
Are the best house insurance companies the biggest?
Size is not the test; the complaint ratio and the settlement terms are, and regional carriers often score well on both.
Where do I find complaint ratios?
Your state insurance department and the NAIC publish them by carrier.