Homeowners Insurance Near Me – Owning a home is a monumental achievement and a significant investment that requires proper protection. Homeowners insurance is essential for safeguarding your home, possessions, and financial stability against unforeseen events such as natural disasters, theft, and accidents. With an abundance of insurance providers, selecting the right one can be daunting. This comprehensive guide explores 25 top homeowners insurance companies, detailing their services, rates, customer reviews, and contact information to help you make an informed decision. Additionally, we will address frequently asked questions about homeowners insurance and provide a list of useful tags for easy reference.
Why Homeowners Insurance is Essential
Financial Protection
Homeowners insurance covers the cost of repairs or rebuilding in the event of damage caused by perils such as fire, storms, theft, and vandalism. Without insurance, these costs could be financially devastating.
Liability Coverage
Liability coverage protects you from legal liability if someone is injured on your property. This includes legal fees, medical expenses, and settlements or judgments.
Peace of Mind
Knowing your home and possessions are protected allows you to focus on enjoying your home without constant worry about potential risks. Insurance provides a safety net that gives homeowners confidence and security.
Top 25 Homeowners Insurance Companies
1. State Farm
- Website: State Farm
- Phone: (800) 782-8332
- Address: One State Farm Plaza, Bloomington, IL 61710
- Rates: Average annual premium is $1,500
- Customer Reviews: State Farm is praised for its comprehensive coverage options and exceptional customer service. Customers appreciate the personalized service and competitive rates.
Detailed Coverage: State Farm offers extensive coverage options, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses. Policyholders can also customize their plans with add-ons like identity theft protection and earthquake insurance.
2. Allstate
- Website: Allstate
- Phone: (877) 810-2920
- Address: 2775 Sanders Road, Northbrook, IL 60062
- Rates: Average annual premium is $1,700
- Customer Reviews: Allstate is known for its customizable policies and reliable customer service. Customers highlight the straightforward claims process and affordable rates.
Detailed Coverage: Allstate provides a range of coverage options, including dwelling protection, personal property protection, liability coverage, and guest medical protection. They also offer additional coverages such as water backup, scheduled personal property, and green improvement reimbursement.
3. Liberty Mutual
- Website: Liberty Mutual
- Phone: (800) 290-8711
- Address: 175 Berkeley St, Boston, MA 02116
- Rates: Average annual premium is $1,600
- Customer Reviews: Liberty Mutual receives positive reviews for its comprehensive coverage and flexible plans. Customers appreciate the knowledgeable agents and quick claim resolutions.
Detailed Coverage: Liberty Mutual offers standard homeowners insurance policies that include dwelling coverage, personal property coverage, liability protection, and additional living expenses. They also provide optional coverages like inflation protection, home protector plus, and valuable possessions coverage.
4. Nationwide
- Website: Nationwide
- Phone: (877) 669-6877
- Address: One Nationwide Plaza, Columbus, OH 43215
- Rates: Average annual premium is $1,650
- Customer Reviews: Nationwide is praised for its extensive coverage options and exceptional customer support. Customers highlight the ease of filing claims and the responsive service.
Detailed Coverage: Nationwide’s homeowners insurance includes standard coverage such as dwelling protection, personal property coverage, liability insurance, and additional living expenses. Additional coverages include identity theft protection, water backup, and better roof replacement.
5. Farmers Insurance
- Website: Farmers Insurance
- Phone: (888) 327-6335
- Address: 6301 Owensmouth Ave, Woodland Hills, CA 91367
- Rates: Average annual premium is $1,550
- Customer Reviews: Farmers Insurance is appreciated for its personalized service and wide range of coverage options. Customers highlight the knowledgeable agents and competitive pricing.
Detailed Coverage: Farmers Insurance provides comprehensive homeowners policies that include dwelling coverage, personal property protection, liability coverage, and additional living expenses. They also offer optional coverages such as eco-rebuild, identity management services, and contents replacement cost.
6. American Family Insurance
- Website: American Family Insurance
- Phone: (800) 692-6326
- Address: 6000 American Parkway, Madison, WI 53783
- Rates: Average annual premium is $1,400
- Customer Reviews: American Family Insurance is known for its customer-centric approach and comprehensive policies. Customers appreciate the affordable rates and responsive customer service.
Detailed Coverage: American Family Insurance offers standard coverage that includes dwelling protection, personal property coverage, liability insurance, and loss of use. Additional options include equipment breakdown coverage, identity theft protection, and matching siding protection.
7. Travelers
- Website: Travelers
- Phone: (800) 328-2189
- Address: 485 Lexington Ave, New York, NY 10017
- Rates: Average annual premium is $1,700
- Customer Reviews: Travelers is praised for its comprehensive policies and dedicated customer service. Customers appreciate the detailed coverage options and efficient claims process.
Detailed Coverage: Travelers offers homeowners insurance with coverage options including dwelling protection, personal property coverage, liability protection, and additional living expenses. Optional coverages include green home coverage, identity fraud protection, and water backup coverage.
8. Chubb
- Website: Chubb
- Phone: (866) 324-8222
- Address: 436 Walnut St, Philadelphia, PA 19106
- Rates: Average annual premium is $1,800
- Customer Reviews: Chubb is known for its high-quality coverage and superior customer service. Customers appreciate the comprehensive policies and the company’s expertise in risk management.
Detailed Coverage: Chubb offers premium homeowners insurance policies with features such as extended replacement cost coverage, cash settlement option, risk consulting services, and high limits on jewelry and fine arts. They also provide complimentary home inspections and security recommendations.
9. USAA
- Website: USAA
- Phone: (800) 531-8722
- Address: 9800 Fredericksburg Rd, San Antonio, TX 78288
- Rates: Average annual premium is $1,400
- Customer Reviews: USAA is praised for its exceptional customer service and tailored coverage options for military families and veterans. Customers value the competitive rates and easy claims process.
Detailed Coverage: USAA offers homeowners insurance with comprehensive coverage including dwelling protection, personal property coverage, liability insurance, and loss of use. Additional benefits include replacement cost coverage and military-specific perks.
10. MetLife
- Website: MetLife
- Phone: (800) 638-5433
- Address: 200 Park Ave, New York, NY 10166
- Rates: Average annual premium is $1,600
- Customer Reviews: MetLife receives positive reviews for its wide range of coverage options and excellent customer service. Customers highlight the easy claims process and competitive rates.
Detailed Coverage: MetLife offers homeowners insurance policies that include standard coverage such as dwelling protection, personal property coverage, liability insurance, and additional living expenses. They also provide optional coverages like identity theft protection and enhanced replacement cost coverage.
11. AIG
- Website: AIG
- Phone: (877) 638-4244
- Address: 175 Water St, New York, NY 10038
- Rates: Average annual premium is $1,850
- Customer Reviews: AIG is known for its high-quality coverage and superior customer service. Customers appreciate the comprehensive policies and the company’s expertise in risk management.
Detailed Coverage: AIG provides high-value homeowners insurance with extensive coverage options including extended replacement cost, high limits on valuables, and coverage for multiple residences. Additional features include personal security services and private collections coverage.
12. Erie Insurance
- Website: Erie Insurance
- Phone: (800) 458-0811
- Address: 100 Erie Insurance Place, Erie, PA 16530
- Rates: Average annual premium is $1,350
- Customer Reviews: Erie Insurance is praised for its competitive rates and comprehensive coverage options. Customers appreciate the personalized service and efficient claims handling.
Detailed Coverage: Erie Insurance offers homeowners policies with standard coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Optional coverages include guaranteed replacement cost, identity recovery, and service line protection.
13. Amica Mutual Insurance
- Website: Amica Mutual Insurance
- Phone: (800) 242-6422
- Address: 100 Amica Way, Lincoln, RI 02865
- Rates: Average annual premium is $1,500
- Customer Reviews: Amica Mutual Insurance is known for its excellent customer service and comprehensive policies. Customers highlight the competitive rates and the straightforward claims process.
Detailed Coverage: Amica offers homeowners insurance policies with coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. They also offer optional coverages such as home business coverage, identity fraud expense coverage, and valuable items coverage.
14. Safeco Insurance
- Website: Safeco Insurance
- Phone: (800) 332-3226
- Address: 1001 4th Ave, Seattle, WA 98154
- Rates: Average annual premium is $1,600
- Customer Reviews: Safeco Insurance receives positive reviews for its flexible coverage options and superior customer service. Customers appreciate the knowledgeable agents and the efficient claims process.
Detailed Coverage: Safeco provides homeowners insurance with standard coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Optional coverages include equipment breakdown coverage, identity recovery, and valuable articles coverage.
15. Progressive
- Website: Progressive
- Phone: (888) 806-9598
- Address: 6300 Wilson Mills Rd, Mayfield Village, OH 44143
- Rates: Average annual premium is $1,550
- Customer Reviews: Progressive is known for its competitive rates and wide range of coverage options. Customers highlight the easy online management and excellent customer support.
Detailed Coverage: Progressive offers homeowners insurance policies that include standard coverage such as dwelling protection, personal property coverage, liability insurance, and additional living expenses. Optional coverages include water backup, personal injury, and equipment breakdown.
16. The Hartford
- Website: The Hartford
- Phone: (860) 547-5000
- Address: 690 Asylum Ave, Hartford, CT 06155
- Rates: Average annual premium is $1,700
- Customer Reviews: The Hartford is well-regarded for its homeowners insurance offerings and excellent customer service. Customers value the tailored coverage options and prompt claim handling.
Detailed Coverage: The Hartford offers homeowners insurance with standard coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. They also provide optional coverages such as green rebuild, equipment breakdown, and identity theft protection.
17. Hippo Insurance
- Website: Hippo Insurance
- Phone: (800) 585-0705
- Address: 150 Forest Ave, Palo Alto, CA 94301
- Rates: Average annual premium is $1,400
- Customer Reviews: Hippo Insurance is appreciated for its modern approach to homeowners insurance, offering comprehensive coverage with a focus on technology. Customers value the competitive rates and easy online process.
Detailed Coverage: Hippo provides homeowners insurance policies with extensive coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Additional features include smart home discounts, equipment breakdown coverage, and enhanced rebuilding costs.
18. GEICO
- Website: GEICO
- Phone: (800) 841-3000
- Address: 5260 Western Ave, Chevy Chase, MD 20815
- Rates: Average annual premium is $1,500
- Customer Reviews: GEICO is known for its affordable homeowners insurance rates and easy-to-use online platform. Customers appreciate the efficient claims process and responsive customer service.
Detailed Coverage: GEICO offers homeowners insurance with standard coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Optional coverages include identity theft protection and increased dwelling protection.
19. American International Group (AIG)
- Website: AIG
- Phone: (877) 638-4244
- Address: 175 Water St, New York, NY 10038
- Rates: Average annual premium is $1,850
- Customer Reviews: AIG is known for its high-quality coverage and superior customer service. Customers appreciate the comprehensive policies and the company’s expertise in risk management.
Detailed Coverage: AIG offers premium homeowners insurance policies with extensive coverage options including extended replacement cost, high limits on valuables, and coverage for multiple residences. Additional features include personal security services and private collections coverage.
20. Auto-Owners Insurance
- Website: Auto-Owners Insurance
- Phone: (517) 323-1200
- Address: 6101 Anacapri Blvd, Lansing, MI 48917
- Rates: Average annual premium is $1,500
- Customer Reviews: Auto-Owners Insurance is praised for its excellent customer service and comprehensive coverage options. Customers highlight the competitive rates and the straightforward claims process.
Detailed Coverage: Auto-Owners provides homeowners insurance policies with standard coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Optional coverages include guaranteed home replacement cost, equipment breakdown, and identity theft protection.
21. Plymouth Rock Assurance
- Website: Plymouth Rock Assurance
- Phone: (800) 437-5556
- Address: 695 Atlantic Ave, Boston, MA 02111
- Rates: Average annual premium is $1,600
- Customer Reviews: Plymouth Rock Assurance is known for its competitive rates and high-quality customer service. Customers highlight the straightforward claims process and comprehensive coverage options.
Detailed Coverage: Plymouth Rock offers homeowners insurance with coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. They also provide optional coverages such as equipment breakdown, water backup, and identity theft protection.
22. Cincinnati Insurance
- Website: Cincinnati Insurance
- Phone: (888) 242-8811
- Address: 6200 S Gilmore Rd, Fairfield, OH 45014
- Rates: Average annual premium is $1,450
- Customer Reviews: Cincinnati Insurance is appreciated for its personalized service and comprehensive coverage options. Customers value the competitive rates and efficient claims handling.
Detailed Coverage: Cincinnati Insurance provides homeowners policies with standard coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Optional coverages include equipment breakdown, water backup, and identity theft protection.
23. Hanover Insurance Group
- Website: Hanover Insurance Group
- Phone: (800) 853-0456
- Address: 440 Lincoln St, Worcester, MA 01653
- Rates: Average annual premium is $1,650
- Customer Reviews: Hanover Insurance Group is well-regarded for its comprehensive coverage options and superior customer service. Customers value the detailed policies and efficient claims process.
Detailed Coverage: Hanover provides homeowners insurance with coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Optional coverages include water backup, equipment breakdown, and home business protection.
24. Nationwide Mutual Insurance
- Website: Nationwide Mutual Insurance
- Phone: (877) 669-6877
- Address: One Nationwide Plaza, Columbus, OH 43215
- Rates: Average annual premium is $1,650
- Customer Reviews: Nationwide is praised for its extensive coverage options and exceptional customer support. Customers highlight the ease of filing claims and the responsive service.
Detailed Coverage: Nationwide offers homeowners insurance with standard coverage options including dwelling protection, personal property coverage, liability insurance, and additional living expenses. Additional coverages include identity theft protection, water backup, and better roof replacement.
25. PURE Insurance
- Website: PURE Insurance
- Phone: (888) 813-7873
- Address: 44 South Broadway, White Plains, NY 10601
- Rates: Average annual premium is $1,900
- Customer Reviews: PURE Insurance is known for its high-quality coverage and superior customer service. Customers appreciate the comprehensive policies and the company’s expertise in risk management.
Detailed Coverage: PURE offers high-value homeowners insurance policies with extensive coverage options including extended replacement cost, high limits on valuables, and coverage for multiple residences. Additional features include personal security services and private collections coverage.
