It is important to protect your home and personal belongings from damage caused by fires, vandalism and other risks. Insurance can also cover relocation costs, if you have to leave your house due to an insured loss. You should choose a policy which covers you for all losses possible and fits within your budget.
The Best Homeowners Insurance Companies
There are a lot of different insurance companies that offer homeowners policies, so it can be hard to decide which is the best. We've done it for you by compiling a list that includes the top companies across a range of categories.
Best Auto and Home Insurance Company
The best homeowners' insurance companies have an excellent reputation for customer service, customization and a wide range of endorsements. You can choose from flexible payment schedules as well as deductible amounts, or you can add or remove certain coverages.
Lemonade, no hassles starting at $25/month
This insurer only operates online and uses artificial intelligence for fast quote generation and payment of claims. With its online quote tool, you can provide a few details about your home to receive an estimate of the cost within minutes.
Lemonade's business model is centered on mission. At the end of each year, the company donates any unused home insurance premiums. Lemonade is also the fastest growing insurance provider in the nation, and its customer service team is highly rated.
Chubb – High-end insurance for the high-net worth homeowner
Chubb is an excellent choice for anyone with expensive property in high-risk locations or who has filed a claim before. It has an unusual extra coverage which sends a risk advisor to look at your home and offer suggestions to reduce the possibility of a claims.
USAA - Military and veteran-specific coverage for active duty or retired military members and their families.
USAA is an insurer with a good reputation and an excellent financial strength rating. They offer several different policies for military members and families. It has high customer satisfaction scores and is available throughout New York.
Customer satisfaction and claims experience are above average in the United States
The second-best home insurance company in New York, Nationwide ranks above the industry average for claims performance and customer satisfaction. You can also save money on your insurance by using the discounts listed on its website.
State Farm: Flexible in terms of coverage, pricing and customer service
State Farm, a top-rated insurer in the US, offers homeowners some unique and special coverages. State Farm's mobile app and website are both easy to use and provide homeowners with helpful resources.
Liberty Mutual – Affordable and comprehensive homeowners insurance through a large network.
Liberty Mutual, with an A+ rating from AM Best is a comprehensive and affordable home insurance provider. They have a wide network of reliable providers. Its website includes a comprehensive quote tool and a list of policy discounts.