Best homeowners insurance companies for September 2024

Written by

• • Personal Lines

• • Auto insurance
• • Home insurance

Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.

Edited by

• • Personal Lines

• • Auto insurance
• • Homeowners insurance

Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.

Reviewed by

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Edited by

• • Personal Lines

• • Auto insurance
• • Homeowners insurance

Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.

Reviewed by

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Bankrate’s extensive research pinpointed Allstate, USAA and Amica as some of the best home insurance companies in the nation.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Best homeowners insurance companies for July 2024 The best home insurance companies by state Finding the best homeowners insurance company for you Best homeowners insurance companies for different homeowners How do I save on home insurance? Best home and auto insurance bundles Home insurance industry trends Frequently asked questions Methodology

Bankrate’s goal is to help you understand how to shop for and choose the best home insurance company. That’s why our editorial team includes licensed insurance agents with real-world industry experience, adding to our unique understanding of what matters to homeowners. By using September 2024 average annual premiums from Quadrant Information Services, available coverage options, discount opportunities, overall customer satisfaction and financial strength as measures — along with our proprietary Bankrate Score — we identified property and casualty insurers that make for solid options for homeowners across the U.S. Here are Bankrate’s picks for the best homeowners insurance companies in 2024:

• USAA: Best overall
• Auto-Owners: Best for budget home insurance
• Amica: Best for customer experience
• NJM: Best for unique discounts
• Erie: Best for robust coverage
• Chubb: Best for high-value home coverage
• Allstate: Best overall
• State Farm: Best for local agents
• Travelers: Best for add-on coverage options
• Lemonade: Best for digital experience

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Insurance Disclosure

This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

The best home insurance companies in September 2024

There’s no single insurer that’s best for everyone, which is why Bankrate included 10 in our roundup of top homeowners insurance companies. Our list of the best homeowners insurance companies includes providers that offer a broad range of coverage options so that you can build the best home insurance policy for your needs. To help narrow down your search, we also selected a key characteristic of each provider to highlight what makes it stand out from the pack.

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Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.

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Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Powered by Coverage.com (NPN: 19966249)

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How Bankrate picked the best homeowners insurance companies

Finding the right home insurance can be a challenge for first-time buyers and seasoned homeowners alike. Bankrate’s insurance editorial team is dedicated to bringing readers the information they need to make educated decisions when shopping for new home insurance. Our list of the best homeowners insurance companies includes providers that offer a broad range of coverage options and have high customer satisfaction scores and financial strength ratings, which we leveraged into a Bankrate Score out of 5.0. To make our list of best homeowners insurance companies, we chose carriers that:

• Earned a Bankrate Score of 3.5 or higher
• Scored within 30 points of the segment average for customer satisfaction in the J.D. Power 2023 U.S. Home Insurance Study (for companies that were included)
• Have an AM Best financial strength rating of A (Excellent) or better
• Were ranked by Bankrate as the best company for specific market segments, based on the company’s unique features

Bankrate's trusted insurance industry expertise

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for new home insurance.

of industry experience

Zip codes examined

The top 10 home insurance companies

Best home insurance company overall (tie)

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why USAA may be best overall: Although USAA only offers coverage to active-duty military and veterans, as well as their qualifying family members, the company has consistently high customer service scores, robust coverage options and low average premiums. USAA tied in the 2024 Bankrate Awards for Best Home Insurance Company Overall, the third year in a row it has taken home the title. Unique add-ons, such as coverage for military uniforms for active duty or deployed policyholders, are also offered. Availability: Coverage is available in all states for policyholders that meet USAA’s eligibility criteria.

Pros and cons

• Low average premiums
• Military-focused coverage options

• Only available to military members, veterans and qualifying family members
• Fewer discounts offered than some other home insurers

USAA standout features

How to get started with USAA

You can get a USAA home insurance quote by calling 800-531-8722. Online quotes are also available for home insurance.

Best budget home insurance

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why Auto-Owners may be for budget home insurance: Auto-Owners’ average premiums tend to be lower than the national average and lower than average premiums in the 26 states in which it operates. Additionally, it offers a lengthy list of discounts for even more savings. Auto-Owners operates through a network of independent insurance agents, some of whom may have insurance knowledge specific to your area. Availability: Auto-Owners is available in Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Pros and cons

• Average home insurance premiums may be cheaper than state and national average
• Local agents available to help with policy servicing

• Not available nationwide
• Limited digital tools

Auto-Owners standout features

How to get started with Auto-Owners

Best for customer service

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why Amica may be best for customer service: Amica’s highly rated claims and customer satisfaction may be ideal for policyholders seeking a positive customer service experience. The company earned the top spot in the J.D. Power 2024 U.S. Property Claims Study. For the past decade, Amica has ranked either in first or second place in this study. Amica’s high customer satisfaction performance is coupled with “Superior” financial strength, as rated by AM Best. To get a quote from Amica, visit its website at amica.com. Availability: Coverage is available in all states except Alaska and Hawaii.

Pros and cons

• Homeowners and renters insurance policies rank highest with J.D. Power for customer satisfaction
• Dividend policies may allow you to recoup some of your premium

• Certain types of structures, such as mobile homes, farms and ranches, are not typically eligible for coverage

Amica standout features

How to get started with Amica

Amica offers an online quoting tool or a home insurance quote over the phone at 800-242-6422. To learn more about Amica, visit amica.com.

Best for unique discounts

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why NJM may be best for unique discounts: New Jersey Manufacturers, or NJM, is a regional property and casualty insurer with ample savings opportunities. The company’s premiums typically fall far below the national average, and several discounts are available — like savings for having a backup generator, a home alarm system or storm shutters (in some states). Keep in mind that discount eligibility will vary. Availability: Coverage is available in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

Pros and cons

• Low average rates
• Numerous discounts

• No mobile app availability for NJM’s homeowners insurance policy
• Limited third-party data available for customer satisfaction

NJM standout features

How to get started with NJM

Best for robust coverage

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why Erie may be best for robust coverage: Erie offers numerous coverage options, from water backup to guaranteed home replacement coverage, to help you personalize a policy that fits your specific coverage needs. Erie is a regional insurer, so it is only an option for homeowners in 12 states and Washington, D.C. But if you live in an area that Erie services, you may find the insurer appealing for its array of optional coverage types, high overall customer satisfaction scores and strong financial standing. Availability: Coverage is available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, Washington, D.C., West Virginia and Wisconsin.

Pros and cons

• Low average premiums
• Ranked first in the 2023 J.D. Power U.S. Home Insurance Study and third in the 2024 U.S. Property Claims Satisfaction Study

• Limited mobile app accessibility and usability compared to other insurance carriers
• Not available nationwide

Erie standout features

How to get started with Erie

Erie only provides quotes through its distribution network of local independent agents. The company’s website has a tool that could help you find an agent and even select a preferred language.

Best for high value homes

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why Chubb may be best for luxury home coverage: If you own a luxury home, Chubb’s specialized homeowners insurance policies offer risk consulting, which involves a trained risk consultant evaluating your home’s features to determine your home’s rebuilding cost. In addition, Chubb offers a HomeScan tool, which may help homeowners identify potential issues before they cause property damage claims. It’s features like this that contributed to Chubb being named Best for High-Value Homes in the 2024 Bankrate Awards. Availability: Coverage is available in all states.

Pros and cons

• Coverage can be tailored for luxury homes
• HomeScan tool may help identify issues before they cause claims

• Lower-than-average overall customer satisfaction from J.D. Power
• May be expensive for lower-value properties

Chubb standout features

How to get started with Chubb

Chubb sells its coverage exclusively through local independent agents. You can use the company’s Find an Agent tool to locate a Chubb office in your area.

Best home insurance company overall (tie)

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why Allstate may be best overall: Allstate has an abundance of online tools and various coverage options for homeowners who want to take a proactive approach to their home insurance. And for those who prefer in-person service, Allstate also has an extensive network of local agents ready to help with any of your insurance needs. For the second year in a row, Allstate tied with USAA in the 2024 Bankrate Awards for Best Home Insurance Company Overall. Availability: Coverage is available in all states except California.

Pros and cons

• Educational insurance information available online
• Common and Costly Claims tool could help you prepare for and mitigate home damage

• Below-industry-average J.D. Power customer satisfaction score
• Some coverage options may not be available in all states

Allstate standout features

How to get started with Allstate

Allstate offers online home insurance quotes. If you prefer working with an agent, you could call 866-702-6500 or visit a local Allstate agency.

Best for local agents

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why State Farm may be best for local agents: State Farm is a highly rated, historically financially strong insurer with more than 19,000 exclusive agents throughout the U.S. Its low NAIC complaint index for home insurance and above-average J.D. Power score indicate that State Farm home insurance policyholders are generally satisfied with the company’s service. Availability: Coverage is available in all states except Massachusetts and Rhode Island. As of May 2023, State Farm is no longer accepting new home insurance policy applications in California.

Pros and cons

• Highly rated digital tools
• Higher-than-average J.D. Power overall satisfaction score

• Fewer advertised discounts than some competitors
• Not currently available nationwide

State Farm standout features

How to get started with State Farm

State Farm makes getting a homeowners insurance quote easy. You can get a quote online, call 800-782-8332 or visit a State Farm agency in your area.

Best for add-on coverage

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why Travelers may be best for add-on coverage options: Although Travelers offers standard endorsements like coverage for jewelry and valuables and water backup coverage, other less common coverage options include green home coverage and identity protection. It also has a free home history tool for home buyers to explore if considering a home. Homeowners looking for a customized policy may be interested in Travelers. Availability: Available in all states except Alaska, Florida, Hawaii, Louisiana and West Virginia.

Pros and cons

• Green home discount available
• OpenHouse, a free home history tool, is available to customers

• Not available nationwide
• Below-average J.D. Power customer satisfaction score

Travelers standout features

How to get started with Travelers

For quotes, interested homeowners should call 866-218-5587, contact a local Travelers agent or explore its website.

Best for digital experience

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Avg. premium for $300K dwelling

Avg. premium for $300K dwelling

Overview

Why Lemonade may be best for digital experience: Lemonade’s artificial intelligence and digital-first approach to underwriting home insurance is innovative and allows the carrier to offer useful online tools and, according to the insurer, lower-cost policies. Lemonade exclusively operates via a highly rated mobile app, which has a 4.9 rating on the App Store and 4.3 on Google Play. The interface can process simple claims incredibly quickly; the fastest claim time recorded was just 3 seconds. Lemonade’s impressive use of technology earned it a 2024 Bankrate Award for Best Digital Home Insurance Company. Availability: Coverage available in Arizona, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington, D.C. and Wisconsin.

Pros and cons

• Innovative use of technology
• AI-approved claims pay out instantly via direct deposit into policyholder's bank account
• Donates a portion of unclaimed money to a charity of policyholder’s choice

• Limited third-party rankings
• No physical agency locations
• Only available in 23 states and Washington, D.C.

Lemonade standout features

How to get started with Lemonade

Home insurance quotes can be obtained online or through the mobile app. If you need to talk to a representative, you can call 844-733-8666.

The best home insurance companies by state

Thanks to a combination of high customer satisfaction scores, low average premiums, discount opportunities, coverage options and more, we’re confident that the companies on this list are an excellent starting point for many shoppers. However, depending on your state, some carriers will be priced more competitively than others. Your location may demand premiums much higher or lower than the national average homeowners insurance cost, and some of the companies on this list may not be available in your state at all.

Risks and insurance markets vary from state to state. Florida, for instance, is grappling with a homeowners insurance crisis, and many of the carriers on this list are no longer writing new business in the state. Instead, Floridians may need to rely on smaller regional companies for coverage or state-supported Citizens Insurance. In California, home insurance companies are limiting coverage in response to increased wildfire risks (among other concerns). No matter where you live, narrowing your research by looking into the best homeowners insurance company in your state could help you find the best coverage at the best price.

Compare the best home insurance rates by state

To help illustrate how rates can differ depending on where you live, we created the interactive map below. Click on your state to see how much the average homeowners insurance policy costs in your area and how it compares to the national average. Please note that these average rates are based on policies with $300,000 in dwelling coverage.

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Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Finding the best homeowners insurance company for you

Insurance is a highly individualized product. Finding cheap homeowners insurance with good coverage can be a tough balancing act. But it may be possible if you know your needs and priorities, as well as how your circumstances can affect your rate. Climate and location, for example, can play large roles in how much coverage you need. If you live along a fault line, you may consider adding an earthquake endorsement to your policy. Or, if you live somewhere with a high flood risk, adding flood coverage is probably a wise move.

Home insurance companies typically use more than a dozen factors (that are personal to you) to calculate your rate. In most states, these factors include your credit history, ZIP code, claims history and marital status, among others. As a result, insurance rates, coverage options and savings opportunities differ across people and companies. When in doubt, you might find it helpful to speak with an independent agent or broker who can request quotes from multiple companies on your behalf. They may also be able to give greater insight into your specific coverage needs.

Related content:

Types of homeowners insurance Previously Read

Factors that impact home insurance rates Previously Read

What does home insurance cover? Previously Read

How to buy homeowners insurance

Once you are ready to purchase homeowners insurance, here is an overview of steps to follow:

• Mortgage

1. Understand how much coverage you need.

Dwelling coverage is usually the first to be established on a home policy since the coverage limits for other structures, personal property and loss of use are based on percentages of the dwelling's insured value. Most homeowners insurance policies cover the home's replacement cost value, which considers the cost of labor and building materials needed to repair the home — not the market value. Using a replacement cost estimator that calculates factors like square footage and building materials will give you a good idea of how much home insurance you need.

2. Estimate what you need insured.

Once you know how much you need for dwelling coverage, consider any other structures on your property, such as a fence, detached garage or inground swimming pool. Create a home inventory of your personal property, taking into account any high-value items that might benefit from a scheduled personal property endorsement. If you are concerned that your structures or personal property need additional coverage, an insurance agent can help review the coverage limits to ensure you have the right amount of insurance. Depending on where your home is located, you may also need flood or earthquake insurance, which is usually purchased separately.

3. Choose which insurance companies to request a quote from.

Researching the top home insurance companies can reveal financial strength ratings and customer service reviews, which can help you narrow down your options. Requesting home insurance quotes will give you a better picture of policy offerings, and discount opportunities. Plus, if you collect multiple quotes, you will gain better insight into your home’s exact insurance costs. Requesting quotes from more than one carrier will give you the best chance to see which company offers the best coverage for your needs and budget. Additionally, depending on how you want to manage your policy, this can be a great way to familiarize yourself with the company’s online services or connect with local insurance agents.

4. Finalize your home insurance policy.

Once you have made a decision, you’ll need to make a payment to bind, or finalize, the policy. If you are switching carriers, you can choose to have your new policy begin when the old one ends or to have your new policy start immediately. If the latter is the case, you’ll need to issue a request to your old insurance company to cancel the policy and request a refund for any unused premium.

What customer satisfaction metrics should you consider?

Some homeowners are less concerned with cheap rates and instead prioritize top-notch customer service. But, how can you know what a company's customer service experience is like before you've purchased a policy? Fortunately, there are a few different metrics that can give you a glimpse into how current policyholders feel about their home insurance carrier, including:

J.D. Power scores: J.D. Power conducts annual insurance studies by surveying current policyholders, asking them to rate the customer service and property claims experience they've received from their company. You can also learn about a carrier's digital tools by reviewing the J.D. Power 2024 U.S. Insurance Digital Experience Study.

NAIC Complaint Index: The National Association of Insurance Commissioners, or NAIC, records policyholder complaints and translates this data into a complaint index. Most insurance companies have an overall complaint index and a score for each line of available insurance. When interpreting this data, it's important to know that a company with an average number of complaints has a score of 1.00. A score higher than 1.00 means the company gets more complaints on average and vice versa — a score less than 1.00 means fewer complaints than average.

Financial strength ratings: Although a company's financial strength rating may not be directly related to customer service, it's unlikely that a policyholder will be happy with their carrier if it doesn't have the funds to pay for a covered loss. Financial strength ratings issued by AM Best, Moody's, Standard & Poor’s and Demotech reflect a carrier's historical ability to pay out claims when needed. Most insurance agents agree that choosing a financially stable company is essential, as losses can be widespread after a natural disaster like a hurricane or wildfire.

Friends and family: Speaking with friends and family already insured with a company can be a powerful tool in understanding what to expect from a carrier. Word of mouth can go a long way, especially from trusted friends, family and colleagues.

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