Best Homeowners Insurance of 2025

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Home insurance protects your biggest asset. Compare options and get insured today.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate homeowners insurance products to write unbiased product reviews.A good home insurance company can reduce a family disaster to a small bump in the road. It could be as simple as a curling iron that was not unplugged or as big as a hurricane. No matter the cause, the destruction of your home and belongings doesn't have to be so stressful.Highly rated by JD Power and available in 48 states and Washington, DC.849A+Amica homeowners insurance ranks high with JD Power, operating in 48 states and Washington, DC. Its wide range of home insurance coverage, online policy management, and independent agents makes Amica an attractive option for many consumers.Straightforward claims process, customizable coverage options, and top-notch customer service.884A++USAA homeowners insurance is available to active duty military members, veterans, and their families. It offers competitive rates and coverage.State Farm offers six discounts to help you save on your homeowners insurance policy.829A++State Farm Insurance is sold exclusively by captive agents, limiting options to compare rates. However, State Farm agents are extensively trained to quote State Farm policies with all applicable discounts, especially if you choose to bundle your insurance coverage. State Farm offers coverage for most homes.Offers multi-policy discounts.A++GEICO homeowners insurance is one of many products the online giant offers. But, unlike its auto insurance, it encourages customers to work with its call center agents to find the right fit, buy all necessary coverage, etc.Offers many coverage riders to enhance your homeowners coverage and many discounts.815A+Allstate offers many of the most important personal insurance products, including homeowners insurance. It leads the market in discounts, but its base rates may not be as competitive as State Farm and other big competitors.Whatever the situation, quality home insurance coverage could be the difference between full recovery and financial ruin after a home-based incident. A strong home insurance company will assess the damage and pay your claim quickly. Policies are clear, and many insurance companies will deploy agents to hold your hand and help you every step of the way.Amica homeowners insurance tops the charts with industry resources like J.D. Power. In business since 1907, Amica Mutual offers standard and platinum policy options. Some policies offer dividend payments of up to 20% of annual premiums for qualified individuals in participating states. The company also has some of the most affordable homeowners insurance rates. While satisfaction and performance are high, it does not offer coverage in Alaska or Hawai'i. Amica was ranked first in the 2021 and 2022 J.D. Power home insurance studies.Read our Amica homeowners insurance review.USAA homeowners insurance plans are exclusively available to military members and their immediate family members. But like its other products, USAA USAA Homeowners Insurance maintains a tight grip on the homeowners insurance market for that select population. Its plans offer both the cheapest home insurance and the best coverage available to US military members. When combined with car insurance, bank accounts, and other products, insured parties may qualify for even lower prices.Read our USAA homeowners insurance review.State Farm homeowners insurance remains one of the most recognizable names in insurance, particularly in homeowners and affordable car insurance. The company works exclusively with captive agents (i.e., agents can only quote and sell State Farm or State Farm partner products). So if you don't like your quote, want to compare home insurance quotes, or don't qualify for coverage, you'll have to talk to at least one more insurance agent. But its agents can get you the most competitive quotes with all applicable discounts for State Farm products.State Farm agents can quote and bind policies for most single-family residences, condos, etc. However, you may run into trouble for multi-units with more than four legal units or in high-risk (but insurable) areas such as higher lava zones or areas affected by wildfires.Read our State Farm homeowners insurance review.GEICO home insurance is often bundled with GEICO auto insurance. For homeowners working with a mortgage lender, GEICO has a separate department to assist in binding and finalizing the details of your home insurance. Particularly for small homes and condo insurance, GEICO offers cutthroat pricing.Compared to many other discount home insurance companies, GEICO also offers friendly service, easy underwriting approval, and quick claims processing. In the event of a claim, the payout may not be what you'd expect from companies like State Farm, Allstate, or Amica Mutual. Depending on where you live, you may also have to call its toll-free line to get home insurance quotes.Read our GEICO homeowners insurance review.Allstate homeowners insurance is known for the character \"Mayhem.\" Mayhem, played by actor Dean Winters, plays out real claims scenarios Allstate has paid in entertaining commercials. Allstate offers a range of home insurance products including plans for investors to cover the structure and liability associated with having tenants. Renters should supplement with renters coverage, but Allstate plans are highly customizable. Like State Farm, Allstate is only quoted through the company's captive agents, and they do not insure structures with more than four units.Read our Allstate homeowners insurance review.While uncommon, some homes are uninsurable. This would include homes in certain fire zones and lava zones. Beachfront properties (depending on the distance to the ocean) can be insured, but only with higher premiums for lower coverage limits. Not all insurers offer coverage for high-risk areas.The exact rules vary between policies. This is why it's critical to work with an insurance agent you trust and review your policy documents. An all perils home insurance policy will cover damage caused by anything that's not specifically excluded in the policy documents. With decades of claims and underwriting experience, insurers list exclusions from lava and hurricanes to riots, war, nuclear hazards, and government action. So read carefully before assuming specific incidents will be covered under your home insurance.If you choose a named-perils policy, you may get the cheapest home insurance rates available to you. As you might expect, insurers only cover damage associated with perils listed in the policy documents. So the risk of unpaid claims is higher. In short, if your named perils policy covers damage from fires, lightning, and explosions, you would not be covered if a car crashed into your home unless it caused an explosion.Similarly, you decide what property coverage you want up front. Dwelling coverage (the cost to repair or replace your home if destroyed) is a constant, particularly if you have a mortgage. Many other coverages are optional. Homeowners who want the cheapest home insurance rates when shopping for homeowners insurance might skip personal property coverage. Investors renting properties out might also skip personal property coverage while increasing liability coverage. If a covered peril damages your home, though, you would then be responsible to replace furniture, clothing, electronics, and any other personal property.The exact breakdown of coverage varies between home insurance companies. No matter where you buy, there are two exclusions with no exceptions.Mortgage lenders require borrowers to buy a homeowners policy covering the cost to rebuild your home. This estimate is based on the appraisal or your insurance agent's estimated replacement cost matrix. Some homeowners are also required to pay for regional coverage such as flood, hurricane, or earthquake.Unless you specify otherwise, the lender will then collect a small amount each month to pay your premium for you once a year. Keep in mind, all insurance notices will be sent to you automatically. So if prices go up or you want to switch for any reason, you have control over your homeowners insurance.Important note: Your insurance company will still send you notices when payments are due, if payment is missed, etc. DO NOT ignore these as your mortgage company can buy its own (much more expensive) policy if yours lapses.The cheapest home insurance is not always the most affordable. Homeowners insurance quotes give buyers a preview of what they may pay each year. But this doesn't account for the cost of claims or how much you could pay out of pocket if your claims are denied or your insurer drags out the process. When shopping for home insurance, we balance cost with performance and coverage.The Better Business Bureau accepts a company's customer complaints and reviews advertising and transparency about business practices. Once a complaint is submitted, companies can respond and resolve the issues.The BBB ranking does not guarantee great rates or that you'll love the company. That's why we also looked at average rates, reviews from sites like TrustPilot, and sample plans to compare coverage options. However, a company with a high BBB rating is more likely to stay above board and address consumer issues.USAA's limited availability makes it impractical for organizations like JD Power or the BBB to rank it alongside companies that sell to a more diverse range of users. However, many of our top home insurance picks maintain the BBB's highest ranking. When combined with strong JD Power, AM Best rankings, reviews from real homeowners, and advice from our expert panel, we feel confident saying our top picks are also trustworthy home insurance companies for the average consumer.Yes, most people have homeowners insurance. If you have a mortgage, your lender will require home insurance. In most cases, your homeowners insurance invoices will be sent to your lender, and it will add costs to your monthly payments. Among homeowners who own their home outright, most still have insurance to protect against the unexpected.An umbrella policy offers a boost in coverage for multiple policies with one premium. If you're bundling your homeowners and auto insurance policies with one company, raising your liability limits on each policy could be costly. Whether you're in an auto accident or your dog bites the mailman, the ensuing claim can be costly, especially if you don't have sufficient liability coverage. A home insurance policy for a condo could be as little as $200 annually depending on coverage. A homeowners policy for a single-family detached structure on a beachfront could be $5,000 or more annually. With so many factors to consider, a licensed insurance agent is the best resource for customized plans to meet individual needs.At a minimum, homeowners need replacement coverage for the structure. In short, your insurance company runs a cost assessment to estimate the construction cost for replacing your home if it were completely destroyed. More importantly, check your coverage exclusions, add-ons like water backup coverage, and personal property coverage limits. Even if you have limited personal belongings, furnishing a house could quickly reach $100,000 or more.We spoke to a variety of experts to inform our picks for this best home insurance guide, and to give readers additional advice for finding the right policy. You can read what they had to say later in this guide, under the Experts' Advice section.We worked with a realtor, homeowners insurance agent, and mortgage loan originator to discuss what buyers should consider when buying home insurance. You can find their full commentary below.Lina Roby, Former Insurance Editor with Personal Finance InsiderHomeowners should take into account both coverage and price. Critical riders like water backup coverage cost you as little as a few dollars per renewal period while saving you thousands in the event of a claim. When calculating your monthly mortgage costs, the right homeowners insurance ensures your home also fits your budget.Stephanie Andrews, Realtor with Keller Williams Hawaii Dream HomesHomeowners should have complete coverage without too many stipulations or exceptions.Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLCDetails of the policy are important. Ex:Replacement Cost vs Actual Cash Value coverage/endorsement like water backup coverage.Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLCI believe is most important to look for when buying homeowners insurance is making sure that your coverage is truly comprehensive. A named peril policy provides coverage ONLY for the select types of damages listed in the specific policy. On the other hand, a comprehensive peril policy makes getting insurance to cover any incident much easier.Lina Roby, Former Insurance Editor with Personal Finance InsiderConsider how much you can afford to spend in the event of a claim? If you cannot afford to spend $1,000 out of pocket to deal with a major flood, for example, a $1,000 deductible may lower your monthly premium, but it's too high.Stephanie Andrews, Realtor with Keller Williams Hawaii Dream HomesYour deductible should match your income and available cash on hand. Having a larger deductible will save you money, but if you can't afford to pay a large deductible when you need the insurance, then the extra savings don't matter.Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLCYour deductible should be based on claim history & affordability. If you have no claims history and are not likely to file claim, you can raise your deductible. But understand that the deductible will be the out-of-pocket amount if any claim are filed.Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLCLow deductible plans require higher monthly premiums but lower out of pocket expenses. High deductible plans provide lower monthly premiums but higher expenses in the event of an insurance claim. You should choose a deductible that balances out your monthly and out-of-pocket costs in the event of a claim.Lina Roby, Former Insurance Editor with Personal Finance InsiderMany homeowners underestimate the importance of riders. All they see is extra costs. The bulk of your monthly premiums is spent on dwelling coverage, personal property, and other key parts of homeowners coverage. The devil is in the details, especially when it comes to homeowners insurance riders.Stephanie Andrews, Realtor with Keller Williams Hawaii Dream HomesNot getting enough coverage for a complete rebuild, not checking for specific coverage like flood or hurricane, and not looking at the conditions of the insurance.Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLCMost buyers will choose the cheapest insurance, which might leads to homeowners being underinsured. Getting insurance with not enough coverage is like driving a car with a drawing of a seatbelt on your shirt.Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLCEquipment breakdown coverage is something that I see buyers missing when buying homeowners insurance. This is an easy & affordable rider. Common examples of covered equipment being air conditioning systems, furnaces, heat pumps, heaters, and kitchen & laundry appliances.Sites like J.D Power, user review sites, and other sources play a role in our reviews, as do policy documents. While we cannot look at every policyholder's documents, most home insurance companies have specific coverage limits and benefits applicable to all standard policies. To come up with our list of the best home insurance companies, we also considered common exclusions and the impact on the average homeowner compared to average premiums.We take into account customer experience and the claims experience. While homeowners hope to never experience a partial or full loss of their home, most do. Finally, we factor in financial stability. Regardless of size, insurance companies walk a tight line between premiums coming in and claims payments going out. We look for insurers likely to be around for the foreseeable future. For a full breakdown of our insurance rating guidelines, click here.","articleSection":"Personal Finance, Insurance, Homeowners Insurance","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Do most people have homeowners insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, most people have homeowners insurance. If you have a mortgage, your lender will require home insurance. In most cases, your homeowners insurance invoices will be sent to your lender, and it will add costs to your monthly payments. Among homeowners who own their home outright, most still have insurance to protect against the unexpected.</p>"}},{"@type":"Question","name":"Is it worth having an umbrella policy for home insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">An umbrella policy offers a boost in coverage for multiple policies with one premium. If you're bundling your homeowners and auto insurance policies with one company, raising your liability limits on each policy could be costly. Whether you're in an auto accident or your dog bites the mailman, the ensuing claim can be costly, especially if you don't have sufficient liability coverage. </p>"}},{"@type":"Question","name":"How much does a home insurance policy cost?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A home insurance policy for a condo could be as little as $200 annually depending on coverage. 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page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/homeowners-insurance/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate homeowners insurance products</a> to write unbiased product reviews.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#amica-homeowners-insurance" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Amica Homeowners Insurance </a> </li> <li> <a href="#usaa-homeowners-insurance" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > USAA Homeowners Insurance </a> </li> <li> <a href="#state-farm-homeowners-insurance" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > State Farm Homeowners Insurance </a> </li> <li> <a href="#geico-homeowners-insurance" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > GEICO Homeowners Insurance </a> </li> <li> <a href="#allstate-homeowners-insurance" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Allstate Homeowners Insurance </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>A good home insurance company can reduce a family disaster to a small bump in the road. It could be as simple as a curling iron that was not unplugged or as big as a hurricane. No matter the cause, the destruction of your home and belongings doesn't have to be so stressful.</p><h2 id="f547a199-1ff0-4ee6-bd12-26e6a08230d8" data-toc-id="f547a199-1ff0-4ee6-bd12-26e6a08230d8">Best Homeowners Insurance Companies</h2><ul><li>Best overall: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6216d6e95104a000196ff3fd" data-analytics-product-brand="Amica" data-analytics-product-name="Amica Homeowners Insurance" href="https://secure.money.com/pr/v4699c74bf90">Amica Homeowners Insurance</a></li><li>Best for military: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" href="https://secure.money.com/pr/z66c205c79a0">USAA Homeowners Insurance</a></li><li>Best for customer satisfaction: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="614387111ccd11001141ad1e" data-analytics-product-brand="State Farm" data-analytics-product-name="State Farm Homeowners Insurance" href="https://secure.money.com/pr/z04342cedef3">State Farm Homeowners Insurance</a></li><li>Best for cheap home insurance: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6172e39536c0fc00130ece0c" data-analytics-product-brand="GEICO" data-analytics-product-name="GEICO Homeowners Insurance" href="https://secure.money.com/pr/q566cefb6c2b">GEICO Homeowners Insurance</a></li><li>Best for investors: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61ae42422273480012b57998" data-analytics-product-brand="Allstate" data-analytics-product-name="Allstate Homeowners Insurance" href="https://secure.money.com/pr/i53543fa396d">Allstate Homeowners Insurance</a></li></ul><h2 id="6bdd3fbb-d2aa-4271-ba90-b3cca3677ee0" data-toc-id="6bdd3fbb-d2aa-4271-ba90-b3cca3677ee0">Shop the Top Homeowners Insurance</h2> <div id="amica-homeowners-insurance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best Overall </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Amica Homeowners Insurance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/v4699c74bf90" rel="nofollow noindex" data-analytics-product-id="6216d6e95104a000196ff3fd" data-analytics-product-brand="Amica" data-analytics-product-name="Amica Homeowners Insurance" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get quotes </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare policies and rates</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/v4699c74bf90" rel="nofollow noindex" data-analytics-product-id="6216d6e95104a000196ff3fd" data-analytics-product-brand="Amica" data-analytics-product-name="Amica Homeowners Insurance" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/65f1be03ce7f1785b2e92471?width=400" alt="Amica Amica Homeowners Insurance"> <noscript> <img class="no-script" src="https://i.insider.com/65f1be03ce7f1785b2e92471?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="6216d6e95104a000196ff3fd-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1945603426870437"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1945603426870437)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7028485860584017"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7028485860584017)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8931742191853658"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8931742191853658)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7479798682930012"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7479798682930012)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8695511246446714"> <stop stop-color="#faa809" offset="12%"></stop> <stop stop-color="white" offset="12%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8695511246446714)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.12<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Highly rated by JD Power and available in 48 states and Washington, DC.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> JD Power Customer Satisfaction Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">849</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> AM Best Financial Strength Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">A+</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="6216d6e95104a000196ff3fd" data-analytics-product-brand="Amica" data-analytics-product-name="Amica Homeowners Insurance" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Highly ranked in JD Power's customer satisfaction study</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Wide array of discounts</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Competitive annual premiums on homeowners insurance</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Not available in Alaska and Hawaii</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>May not offer the specialty coverage consumers need</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Amica homeowners insurance ranks high with JD Power, operating in 48 states and Washington, DC. Its wide range of home insurance coverage, online policy management, and independent agents makes Amica an attractive option for many consumers.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/amica-homeowners-insurance-review" data-analytics-product-id="6216d6e95104a000196ff3fd" data-analytics-product-brand="Amica" data-analytics-product-name="Amica Homeowners Insurance" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Amica homeowners insurance <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Ranked No. 1 in J.D. Power's homeowners insurance customer satisfaction survey.</li> <li class="financial-product-card__product-details__list-item">Loyalty discount, automatic detection devices discount, alarm system discount, claim free discount.</li> <li class="financial-product-card__product-details__list-item">Offers home insurance dividends on your policy.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="6216d6e95104a000196ff3fd" data-analytics-product-brand="Amica" data-analytics-product-name="Amica Homeowners Insurance" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="usaa-homeowners-insurance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for Military </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">USAA Homeowners Insurance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/z66c205c79a0" rel="nofollow noindex" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get quotes </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare policies and rates</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/z66c205c79a0" rel="nofollow noindex" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60410bc92dc9010018355639?width=400" alt="USAA USAA Homeowners Insurance"> <noscript> <img class="no-script" src="https://i.insider.com/60410bc92dc9010018355639?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="61293ccff8faf20011e38149-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.29831435426439334"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.29831435426439334)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.11041838605998477"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.11041838605998477)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8375473648550003"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8375473648550003)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6676825735498535"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6676825735498535)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.15704588065393232"> <stop stop-color="#faa809" offset="87%"></stop> <stop stop-color="white" offset="87%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.15704588065393232)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.87<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Straightforward claims process, customizable coverage options, and top-notch customer service.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> JD Power Customer Satisfaction Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">884</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> AM Best Financial Strength Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">A++</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High customer satisfaction</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Competitive rates for eligible customers</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Homeowners insurance can be combined with other USAA financial products</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only available to military, veterans, and their families</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">USAA homeowners insurance is available to active duty military members, veterans, and their families. It offers competitive rates and coverage.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/usaa-homeowners-insurance-review" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> USAA homeowners insurance <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">USAA's homeowner's insurance is for military members, veterans, and their families.</li> <li class="financial-product-card__product-details__list-item">Discounts for Connected Home, ADT security systems, and being claim-free for 5 years</li> <li class="financial-product-card__product-details__list-item">Covers personal belongings with no depreciation</li> <li class="financial-product-card__product-details__list-item">USAA members were surveyed, and if had included on J.D Power's homeowners customer satisfaction survey, it would have been No. 1.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="state-farm-homeowners-insurance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for Customer Satisfaction </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">State Farm Homeowners Insurance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/z04342cedef3" rel="nofollow noindex" data-analytics-product-id="614387111ccd11001141ad1e" data-analytics-product-brand="State Farm" data-analytics-product-name="State Farm Homeowners Insurance" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get quotes </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare policies and rates</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/z04342cedef3" rel="nofollow noindex" data-analytics-product-id="614387111ccd11001141ad1e" data-analytics-product-brand="State Farm" data-analytics-product-name="State Farm Homeowners Insurance" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60da01401477f300188c7ee3?width=400" alt="State Farm State Farm Homeowners Insurance"> <noscript> <img class="no-script" src="https://i.insider.com/60da01401477f300188c7ee3?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="614387111ccd11001141ad1e-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.22010060889047955"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.22010060889047955)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9154047939142917"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9154047939142917)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7937057135847108"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7937057135847108)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.42526952071396695"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.42526952071396695)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8911739903516303"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8911739903516303)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">State Farm offers six discounts to help you save on your homeowners insurance policy.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> JD Power Customer Satisfaction Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">829</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> AM Best Financial Strength Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">A++</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="614387111ccd11001141ad1e" data-analytics-product-brand="State Farm" data-analytics-product-name="State Farm Homeowners Insurance" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Established insurance company</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Nationwide presence</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Highly rated customer satisfaction </span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Discounts for bundling insurance products</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High number of complaints about the claims process on ConsumerAffairs</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Policies can only be purchased through captive agents</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">State Farm Insurance is sold exclusively by captive agents, limiting options to compare rates. However, State Farm agents are extensively trained to quote State Farm policies with all applicable discounts, especially if you choose to bundle your insurance coverage. State Farm offers coverage for most homes.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/state-farm-homeowners-insurance-review" data-analytics-product-id="614387111ccd11001141ad1e" data-analytics-product-brand="State Farm" data-analytics-product-name="State Farm Homeowners Insurance" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> State Farm Homeowners Insurance <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Homeowners insurance include Ting fire safety technology, cyber event identity restoration and fraud loss (CEIDR), and pet insurance</li> <li class="financial-product-card__product-details__list-item">Ranks highly for customer satisfaction</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="614387111ccd11001141ad1e" data-analytics-product-brand="State Farm" data-analytics-product-name="State Farm Homeowners Insurance" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="geico-homeowners-insurance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for Cheap Homeowners Insurance </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">GEICO Homeowners Insurance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/q566cefb6c2b" rel="nofollow noindex" data-analytics-product-id="6172e39536c0fc00130ece0c" data-analytics-product-brand="GEICO" data-analytics-product-name="GEICO Homeowners Insurance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get quotes </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare policies and rates</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/q566cefb6c2b" rel="nofollow noindex" data-analytics-product-id="6172e39536c0fc00130ece0c" data-analytics-product-brand="GEICO" data-analytics-product-name="GEICO Homeowners Insurance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60463b4044d8e300117b9921?width=400" alt="GEICO GEICO Homeowners Insurance"> <noscript> <img class="no-script" src="https://i.insider.com/60463b4044d8e300117b9921?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="6172e39536c0fc00130ece0c-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.38653849532766693"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.38653849532766693)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3684955301274502"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3684955301274502)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7390100991747026"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7390100991747026)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9177764698568649"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9177764698568649)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.29753114095281297"> <stop stop-color="#faa809" offset="12%"></stop> <stop stop-color="white" offset="12%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.29753114095281297)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.12<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers multi-policy discounts.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> AM Best Financial Strength Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">A++</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="6172e39536c0fc00130ece0c" data-analytics-product-brand="GEICO" data-analytics-product-name="GEICO Homeowners Insurance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Established homeowners insurance company with plenty of insurance bundling options</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>National presence covering all 50 states</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Easy online quoting</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Discounts for bundling insurance products</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Customer satisfaction varies across products</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>GEICO offers phone support, but not personalized insurance agent support</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">GEICO homeowners insurance is one of many products the online giant offers. But, unlike its auto insurance, it encourages customers to work with its call center agents to find the right fit, buy all necessary coverage, etc.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/geico-homeowners-insurance-review" data-analytics-product-id="6172e39536c0fc00130ece0c" data-analytics-product-brand="GEICO" data-analytics-product-name="GEICO Homeowners Insurance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> GEICO homeowners insurance <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Discounts for home safety, and bundling</li> <li class="financial-product-card__product-details__list-item">Offers flood insurance (purchased separately) </li> <li class="financial-product-card__product-details__list-item">Homeowners, condo, and mobile home insurance</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="6172e39536c0fc00130ece0c" data-analytics-product-brand="GEICO" data-analytics-product-name="GEICO Homeowners Insurance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="allstate-homeowners-insurance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for Investors </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Allstate Homeowners Insurance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/i53543fa396d" rel="nofollow noindex" data-analytics-product-id="61ae42422273480012b57998" data-analytics-product-brand="Allstate" data-analytics-product-name="Allstate Homeowners Insurance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get quotes </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare policies and rates</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/i53543fa396d" rel="nofollow noindex" data-analytics-product-id="61ae42422273480012b57998" data-analytics-product-brand="Allstate" data-analytics-product-name="Allstate Homeowners Insurance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60410ba1b46d720018b04dfa?width=400" alt="Allstate Allstate Homeowners Insurance"> <noscript> <img class="no-script" src="https://i.insider.com/60410ba1b46d720018b04dfa?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="61ae42422273480012b57998-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7501125814730298"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7501125814730298)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3211041531172283"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3211041531172283)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.12659414967618754"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.12659414967618754)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5581307395951143"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5581307395951143)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9591858810831388"> <stop stop-color="#faa809" offset="25%"></stop> <stop stop-color="white" offset="25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9591858810831388)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.25<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers many coverage riders to enhance your homeowners coverage and many discounts.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> JD Power Customer Satisfaction Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">815</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> AM Best Financial Strength Rating </strong> </div> <p class="financial-product-card__specs__text headline-regular">A+</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="61ae42422273480012b57998" data-analytics-product-brand="Allstate" data-analytics-product-name="Allstate Homeowners Insurance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Established company with national presence and quotes available online</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Quoting available with knowledgeable agents who can also quote other insurance products</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Easy bundling options for qualified buyers</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Rates are slightly higher than what other companies offer</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Policies are only available through captive agents</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Claims process may be slow and conservative leading to denials</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Allstate offers many of the most important personal insurance products, including homeowners insurance. It leads the market in discounts, but its base rates may not be as competitive as State Farm and other big competitors.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/allstate-homeowners-insurance-review" data-analytics-product-id="61ae42422273480012b57998" data-analytics-product-brand="Allstate" data-analytics-product-name="Allstate Homeowners Insurance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Allstate <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers HostAdvantage which is protection for your belongings while renting out your home.</li> <li class="financial-product-card__product-details__list-item">Offers flood insurance.</li> <li class="financial-product-card__product-details__list-item">Offers coverage during identity theft.</li> <li class="financial-product-card__product-details__list-item">You can get discounts for installing protective devices, and being claim free.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="61ae42422273480012b57998" data-analytics-product-brand="Allstate" data-analytics-product-name="Allstate Homeowners Insurance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="e9ebd874-a886-49a8-9320-ef37bf624f37" data-toc-id="e9ebd874-a886-49a8-9320-ef37bf624f37">Best Home Insurance Company Reviews</h2><p>Whatever the situation, quality home insurance coverage could be the difference between full recovery and financial ruin after a home-based incident. A strong home insurance company will assess the damage and pay your claim quickly. Policies are clear, and many insurance companies will deploy agents to hold your hand and help you every step of the way.</p><h3 id="amica-homeowners-insurance" data-toc-id="da870626-7e4e-4f97-895d-3a27df50d30c" data-toc-label="Amica Homeowners Insurance" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6216d6e95104a000196ff3fd" data-analytics-product-brand="Amica" data-analytics-product-name="Amica Homeowners Insurance" href="https://secure.money.com/pr/v4699c74bf90">Amica Homeowners Insurance</a>: Best Overall</h3><p>Amica homeowners insurance tops the charts with industry resources like J.D. Power. In business since 1907, Amica Mutual offers standard and platinum policy options. Some policies offer dividend payments of up to 20% of annual premiums for qualified individuals in participating states. The company also has some of the most affordable homeowners insurance rates. While satisfaction and performance are high, it does not offer coverage in Alaska or Hawai'i. Amica was ranked first in the 2021 and 2022 J.D. Power home insurance studies.</p><p>Read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/amica-homeowners-insurance-review" data-analytics-product-module="body_link" rel="">Amica homeowners insurance review</a>.</p><h3 id="usaa-homeowners-insurance" data-toc-id="08ae3253-3c98-426b-b8a1-7739a99ab66e" data-toc-label="USAA Homeowners Insurance" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" href="https://secure.money.com/pr/z66c205c79a0">USAA Homeowners Insurance</a>:  Best for military</h3><p>USAA homeowners insurance plans are exclusively available to military members and their immediate family members. But like its other products, <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61293ccff8faf20011e38149" data-analytics-product-brand="USAA" data-analytics-product-name="USAA Homeowners Insurance" href="https://secure.money.com/pr/z66c205c79a0">USAA USAA Homeowners Insurance</a> maintains a tight grip on the homeowners insurance market for that select population. Its plans offer both the cheapest home insurance and the best coverage available to US military members. When combined with car insurance, bank accounts, and other products, insured parties may qualify for even lower prices.</p><p>Read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/usaa-homeowners-insurance-review" data-analytics-product-module="body_link" rel="">USAA homeowners insurance review</a>.</p><h3 id="state-farm-homeowners-insurance" data-toc-id="40c88113-b7e2-4d35-9446-e538a2232100" data-toc-label="State Farm Homeowners Insurance" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="614387111ccd11001141ad1e" data-analytics-product-brand="State Farm" data-analytics-product-name="State Farm Homeowners Insurance" href="https://secure.money.com/pr/z04342cedef3">State Farm Homeowners Insurance</a>: Best for customer satisfaction</h3><p>State Farm homeowners insurance remains one of the most recognizable names in insurance, particularly in homeowners and <a target="_blank" href="https://www.businessinsider.com/personal-finance/best-cheap-car-insurance-companies" data-analytics-product-module="body_link" rel="">affordable car insurance</a>. The company works exclusively with captive agents (i.e., agents can only quote and sell State Farm or State Farm partner products). So if you don't like your quote, want to compare home insurance quotes, or don't qualify for coverage, you'll have to talk to at least one more insurance agent. But its agents can get you the most competitive quotes with all applicable discounts for State Farm products.</p><p>State Farm agents can quote and bind policies for most single-family residences, condos, etc. However, you may run into trouble for multi-units with more than four legal units or in high-risk (but insurable) areas such as higher lava zones or areas affected by wildfires.</p><p>Read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/state-farm-homeowners-insurance-review" data-analytics-product-module="body_link" rel="">State Farm homeowners insurance review</a>.</p><h3 id="geico-homeowners-insurance" data-toc-id="124e5d4b-975d-4826-bb51-9d5e644edf45" data-toc-label="GEICO Homeowners Insurance" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6172e39536c0fc00130ece0c" data-analytics-product-brand="GEICO" data-analytics-product-name="GEICO Homeowners Insurance" href="https://secure.money.com/pr/q566cefb6c2b">GEICO Homeowners Insurance</a>: Best for value</h3><p>GEICO home insurance is often bundled with GEICO auto insurance. For homeowners working with a mortgage lender, GEICO has a separate department to assist in binding and finalizing the details of your home insurance. Particularly for small homes and condo insurance, GEICO offers cutthroat pricing.</p><p>Compared to many other discount home insurance companies, GEICO also offers friendly service, easy underwriting approval, and quick claims processing. In the event of a claim, the payout may not be what you'd expect from companies like State Farm, Allstate, or Amica Mutual. Depending on where you live, you may also have to call its toll-free line to get home insurance quotes.</p><p>Read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/geico-homeowners-insurance-review" data-analytics-product-module="body_link" rel="">GEICO homeowners insurance review</a>.</p><h3 id="allstate-homeowners-insurance" data-toc-id="728a95bf-9ea1-4e8a-a5ad-23f964f34dd6" data-toc-label="Allstate Homeowners Insurance" class="toc-anchor"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61ae42422273480012b57998" data-analytics-product-brand="Allstate" data-analytics-product-name="Allstate Homeowners Insurance" href="https://secure.money.com/pr/i53543fa396d">Allstate Homeowners Insurance</a>: Best for investors</h3><p>Allstate homeowners insurance is known for the character "Mayhem." Mayhem, played by actor Dean Winters, plays out real claims scenarios Allstate has paid in entertaining commercials. Allstate offers a range of home insurance products including plans for investors to cover the structure and liability associated with having tenants. Renters should supplement with <a target="_blank" href="https://www.businessinsider.com/personal-finance/best-renters-insurance-companies" data-analytics-product-module="body_link" rel="">renters coverage</a>, but Allstate plans are highly customizable. Like State Farm, Allstate is only quoted through the company's captive agents, and they do not insure structures with more than four units.</p><p>Read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/allstate-homeowners-insurance-review" data-analytics-product-module="body_link" rel="">Allstate homeowners insurance review</a>.</p><h2 id="86a6c6d0-cfb8-4226-b299-aa2b033701cf" data-toc-id="86a6c6d0-cfb8-4226-b299-aa2b033701cf">What Home Insurance Won't Cover</h2><p>While uncommon, some homes are uninsurable. This would include homes in certain fire zones and lava zones. Beachfront properties (depending on the distance to the ocean) can be insured, but only with higher premiums for lower coverage limits. Not all insurers offer coverage for high-risk areas.</p><p>The exact rules vary between policies. This is why it's critical to work with an insurance agent you trust and review your policy documents. An all perils home insurance policy will cover damage caused by anything that's not specifically excluded in the policy documents. With decades of claims and underwriting experience, insurers list exclusions from lava and hurricanes to riots, war, nuclear hazards, and government action. So read carefully before assuming specific incidents will be covered under your home insurance.</p><p>If you choose a named-perils policy, you may get the cheapest home insurance rates available to you. As you might expect, insurers only cover damage associated with perils listed in the policy documents. So the risk of unpaid claims is higher. In short, if your named perils policy covers damage from fires, lightning, and explosions, you would not be covered if a car crashed into your home unless it caused an explosion.</p><p>Similarly, you decide what property coverage you want up front. Dwelling coverage (the cost to repair or replace your home if destroyed) is a constant, particularly if you have a mortgage. Many other coverages are optional. Homeowners who want the <a target="_blank" href="https://www.businessinsider.com/personal-finance/average-homeowners-insurance-cost" data-analytics-product-module="body_link" rel="">cheapest home insurance rates</a> when shopping for homeowners insurance might skip personal property coverage. Investors renting properties out might also skip personal property coverage while increasing liability coverage. If a covered peril damages your home, though, you would then be responsible to replace furniture, clothing, electronics, and any other personal property.</p><h3 id="96d98db9-7ff7-45d9-b119-d6573d40cfec" data-toc-id="96d98db9-7ff7-45d9-b119-d6573d40cfec"><strong>Home Insurance Companies Won't Cover Neglect or Intentional Damage</strong></h3><p>The exact breakdown of coverage varies between home insurance companies. No matter where you buy, there are two exclusions with no exceptions.</p><ul><li><strong>Neglect</strong>: Neglect is one of the most common reasons for denials of claims. If you have a leaky toilet that goes unchecked, it could slowly leak for months or years. This would lead to floor rot, <a target="_blank" href="https://www.businessinsider.com/personal-finance/what-does-homeowners-insurance-cover" rel="">mold</a>, and other long-term damage. Insurers expect homeowners to maintain the property and prevent damage where possible. This is why many companies will not cover vacant homes. Vacancies mean no one is on location to catch major incidents or small leaks.</li><li><strong>Intentional damage</strong>: A home insurance company may refuse coverage for certain types of vandalism and destruction. This is specific to homeowners and legal residents. As a general rule, policyholders are not meant to profit from insurance plans. Insurance should restore what was lost to its state prior to the claim. When homeowners or residents intentionally damage or destroy the property, insurers view it as an attempt to profit and an extra hazard. This leads to greater scrutiny and can escalate to claims being denied. Particularly if you have renters or boarders, make sure to discuss coverage with your agent.</li></ul><h2 id="3fa92491-3b00-47c3-95a8-2537727ad6ef" data-toc-id="3fa92491-3b00-47c3-95a8-2537727ad6ef">How to Find The Most Affordable Home Insurance for You</h2><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/best-mortgage-lenders" data-analytics-product-module="body_link" rel="">Mortgage lenders</a> require borrowers to buy a homeowners policy covering the cost to rebuild your home. This estimate is based on the appraisal or your insurance agent's estimated replacement cost matrix. Some homeowners are also required to pay for regional coverage such as flood, hurricane, or earthquake.</p><p>Unless you specify otherwise, the lender will then collect a small amount each month to pay your premium for you once a year. Keep in mind, all insurance notices will be sent to you automatically. So if prices go up or you want to switch for any reason, you have control over your homeowners insurance.</p> <aside class="quick-tip headline-regular ignore-typography"> <p><strong>Important note:</strong> Your insurance company will still send you notices when payments are due, if payment is missed, etc. DO NOT ignore these as your mortgage company can buy its own (much more expensive) policy if yours lapses.</p> </aside> <p>The cheapest home insurance is not always the most affordable. Homeowners insurance quotes give buyers a preview of what they may pay each year. But this doesn't account for the cost of claims or how much you could pay out of pocket if your claims are denied or your insurer drags out the process. When shopping for home insurance, we balance cost with performance and coverage.</p><h2 id="93601d04-6086-4973-a650-251b0c3f9f99" data-toc-id="93601d04-6086-4973-a650-251b0c3f9f99">Homeowners Insurance Companies with the Highest Customer Satisfaction</h2><div class="horizontal-scroll"><table style="min-width: 50px" class="table-content"><colgroup><col><col></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Homeowners insurance company</strong></td><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">BBB grade</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Amica Mutual</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">USAA</td><td colspan="1" rowspan="1" class="headline-regular">NR</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">State Farm</td><td colspan="1" rowspan="1" class="headline-regular">A</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">GEICO</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Island Insurance</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Umialik</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Allstate</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr></tbody></table></div><p>The Better Business Bureau accepts a company's customer complaints and reviews advertising and transparency about business practices. Once a complaint is submitted, companies can respond and resolve the issues.</p><p>The BBB ranking does not guarantee great rates or that you'll love the company. That's why we also looked at average rates, reviews from sites like TrustPilot, and sample plans to compare coverage options. However, a company with a high BBB rating is more likely to stay above board and address consumer issues.</p><p>USAA's limited availability makes it impractical for organizations like JD Power or the BBB to rank it alongside companies that sell to a more diverse range of users. However, many of our top home insurance picks maintain the BBB's highest ranking. When combined with strong JD Power, AM Best rankings, reviews from real homeowners, and advice from our expert panel, we feel confident saying our top picks are also trustworthy home insurance companies for the average consumer.</p><h2 id="faqs" data-toc-id="1c1501b0-c452-4907-ba97-8ec1af96bc10" data-toc-label="FAQs" class="toc-anchor">Home Insurance Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do most people have homeowners insurance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, most people have homeowners insurance. If you have a mortgage, your lender will require home insurance. In most cases, your homeowners insurance invoices will be sent to your lender, and it will add costs to your monthly payments. Among homeowners who own their home outright, most still have insurance to protect against the unexpected.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is it worth having an umbrella policy for home insurance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">An umbrella policy offers a boost in coverage for multiple policies with one premium. If you're bundling your homeowners and auto insurance policies with one company, raising your liability limits on each policy could be costly. Whether you're in an auto accident or your dog bites the mailman, the ensuing claim can be costly, especially if you don't have sufficient liability coverage. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much does a home insurance policy cost? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A home insurance policy for a condo could be as little as $200 annually depending on coverage. A homeowners policy for a single-family detached structure on a beachfront could be $5,000 or more annually. With so many factors to consider, a licensed insurance agent is the best resource for customized plans to meet individual needs.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much home insurance coverage do I need? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">At a minimum, homeowners need replacement coverage for the structure. In short, your insurance company runs a cost assessment to estimate the construction cost for replacing your home if it were completely destroyed. More importantly, check your coverage exclusions, add-ons like water backup coverage, and personal property coverage limits. Even if you have limited personal belongings, furnishing a house could quickly reach $100,000 or more.</p> </div> </div> </div><h2 id="why-you-should-trust-us" data-toc-id="9ae108a9-8b16-4401-9f96-c0658e245dce" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: Our Expert Panel for The Best Homeowners Insurance</h2><div id="1f6dc417-1ec5-478a-b5a3-9eb35327e8fe" data-styles="default-width" data-embed-type="raw" data-script="" class="" data-type="embed"><figure class="gi-static" data-embed-type="reg" data-image-ids="["63fd0431d5d80a0018276350", "63fd0433d5d80a0018276359", "63fd0431b8468e001896b2cc", "63fd0432d5d80a0018276354", "63fd0433d5d80a0018276357"]"> <picture> <img class="gi-static-img" data-src="https://i.insider.com/63fd0433d5d80a0018276359?width=350&auto=webp&quality=100,100" src="Chay Thawaranont/Insider" alt="An expert panel for the best homeowners insurance companies of 2023 story"> </picture></figure><style> .gi-static-img { max-width: 100%; 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});</script></div><p>We spoke to a variety of experts to inform our picks for this best home insurance guide, and to give readers additional advice for finding the right policy. You can read what they had to say later in this guide, under the Experts' Advice section.</p><h3 id="d07207b7-71d2-4e0b-9156-a9fd8cc0ea1b" data-toc-id="d07207b7-71d2-4e0b-9156-a9fd8cc0ea1b">The Experts' Advice on Choosing The Best Home Insurance for You</h3><p>We worked with a realtor, homeowners insurance agent, and mortgage loan originator to discuss what buyers should consider when buying home insurance. You can find their full commentary below.</p><h3 id="810c478c-31da-4336-86a8-ff45103f5b84" data-toc-id="810c478c-31da-4336-86a8-ff45103f5b84">What do you believe are the most important things to look for when buying home insurance?</h3><p><a target="_blank" rel="noopener nofollow" href="https://www.linkedin.com/in/lm-roby/" data-analytics-product-module="body_link"><strong>Lina Roby</strong></a><strong>, Former Insurance Editor with Personal Finance Insider</strong></p><p>Homeowners should take into account both coverage and price. Critical riders like water backup coverage cost you as little as a few dollars per renewal period while saving you thousands in the event of a claim. When calculating your monthly mortgage costs, the right homeowners insurance ensures your home also fits your budget.</p><p><strong>Stephanie Andrews, Realtor with Keller Williams </strong><a target="_blank" rel="noopener nofollow" href="https://www.hawaiidreamhomes.com/" data-analytics-product-module="body_link"><strong>Hawaii Dream Homes</strong></a></p><p>Homeowners should have complete coverage without too many stipulations or exceptions.</p><p><strong>Jeremy Yang, Homeowners Insurance Agent with </strong><a target="_blank" rel="noopener nofollow" href="https://getifg.com/" data-analytics-product-module="body_link"><strong>IFG Insurance LLC</strong></a></p><p>Details of the policy are important. Ex:Replacement Cost vs Actual Cash Value coverage/endorsement like water backup coverage.</p><p><a target="_blank" rel="noopener nofollow" href="https://www.linkedin.com/in/chelsie-ann-sorino-852881172/" data-analytics-product-module="body_link"><strong>Chelsie Sorino</strong></a><strong>, Mortgage Loan Originator with CF Home Loans LLC</strong></p><p>I believe is most important to look for when buying homeowners insurance is making sure that your coverage is truly comprehensive. A named peril policy provides coverage ONLY for the select types of damages listed in the specific policy. On the other hand, a comprehensive peril policy makes getting insurance to cover any incident much easier.</p><h3 id="8b50bc0e-1c66-472a-873b-f3cecb622cb1" data-toc-id="8b50bc0e-1c66-472a-873b-f3cecb622cb1">How should I set my deductible amount?</h3><p><strong>Lina Roby, Former Insurance Editor with Personal Finance Insider</strong></p><p>Consider how much you can afford to spend in the event of a claim? If you cannot afford to spend $1,000 out of pocket to deal with a major flood, for example, a $1,000 deductible may lower your monthly premium, but it's too high.</p><p><strong>Stephanie Andrews, Realtor with Keller Williams Hawaii Dream Homes</strong></p><p>Your deductible should match your income and available cash on hand. Having a larger deductible will save you money, but if you can't afford to pay a large deductible when you need the insurance, then the extra savings don't matter.</p><p><strong>Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLC</strong></p><p>Your deductible should be based on claim history & affordability. If you have no claims history and are not likely to file claim, you can raise your deductible. But understand that the deductible will be the out-of-pocket amount if any claim are filed.</p><p><strong>Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLC</strong></p><p>Low deductible plans require higher monthly premiums but lower out of pocket expenses. High deductible plans provide lower monthly premiums but higher expenses in the event of an insurance claim. You should choose a deductible that balances out your monthly and out-of-pocket costs in the event of a claim.</p><h3 id="7ed727a3-8f94-413a-83f7-4c4bb3917378" data-toc-id="7ed727a3-8f94-413a-83f7-4c4bb3917378">What are the most common things buyers miss when buying home insurance?</h3><p><strong>Lina Roby, Former Insurance Editor with Personal Finance Insider</strong></p><p>Many homeowners underestimate the importance of riders. All they see is extra costs. The bulk of your monthly premiums is spent on dwelling coverage, personal property, and other key parts of homeowners coverage. The devil is in the details, especially when it comes to homeowners insurance riders.</p><p><strong>Stephanie Andrews, Realtor with Keller Williams Hawaii Dream Homes</strong></p><p>Not getting enough coverage for a complete rebuild, not checking for specific coverage like flood or hurricane, and not looking at the conditions of the insurance.</p><p><strong>Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLC</strong></p><p>Most buyers will choose the cheapest insurance, which might leads to homeowners being underinsured. Getting insurance with not enough coverage is like driving a car with a drawing of a seatbelt on your shirt.</p><p><strong>Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLC</strong></p><p>Equipment breakdown coverage is something that I see buyers missing when buying homeowners insurance. This is an easy & affordable rider. Common examples of covered equipment being air conditioning systems, furnaces, heat pumps, heaters, and kitchen & laundry appliances.</p><h3 id="659bf550-bee0-4bda-809c-1abc83d9b945" data-toc-id="659bf550-bee0-4bda-809c-1abc83d9b945">How We Chose the Best Home Insurance Companies</h3><p>Sites like J.D Power, user review sites, and other sources play a role in our reviews, as do policy documents. While we cannot look at every policyholder's documents, most home insurance companies have specific coverage limits and benefits applicable to all standard policies. To come up with our list of the best home insurance companies, we also considered common exclusions and the impact on the average homeowner compared to average premiums.</p><p>We take into account customer experience and the claims experience. While homeowners hope to never experience a partial or full loss of their home, most do. Finally, we factor in financial stability. Regardless of size, insurance companies walk a tight line between premiums coming in and claims payments going out. We look for insurers likely to be around for the foreseeable future. For a full breakdown of our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" data-analytics-product-module="body_link" rel="">insurance rating guidelines, click here</a>.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?resize=1&ident=99&pub_inventory=homeowners-insurance/best-homeowners-insurance-companies-pfi-insurance" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/lina-roby" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="lina-roby"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6363057eff27460018ed5a01?crop=1:1&width=256&format=jpeg&auto=webp" alt="Lina Roby"> <noscript> <img class="no-script" src="https://i.insider.com/6363057eff27460018ed5a01?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/lina-roby" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Lina Roby</div> </a> <div class="post-author_title headline-regular">Insurance Editor, LIA, MLO</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span><a href="https://www.linkedin.com/in/lm-roby/" rel=" nofollow">Lina Roby</a> (she/her) covers pet, travel, auto, and other common insurance products. She is also a licensed property & casualty insurance agent. Her goal is to help readers make informed decisions for all their insurance needs and plan for the unexpected, especially in a constantly evolving insurance marketplace. </span><span>As a licensed insurance agent, she worked closely with clients and insurance carriers to quote and bind homeowners, auto, liability, and other insurance plans for personal and business. As a licensed mortgage loan originator, she was also able to more effectively quote and bind homeowners insurance policies meeting mortgage lender requirements. With a love for writing, she has also assisted with marketing for her local insurance marketplace. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img class="no-script" src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. 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